Compare Caravan Finance from 50+ Australian Lenders
Finance your dream caravan, camper or motorhome with sharp rates and flexible repayments—explore Australia your way.
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Caravan Finance Made Simple
Get behind the wheel of your new caravan, camper or motorhome without draining your savings. Spread the cost into affordable repayments and find a lender that matches your lifestyle and budget.
Borrow With Confidence
Typical amounts from $5,000 to $100,000+
Flexible Terms
1 to 7-year terms available
Fast Approvals
Quick decisions for eligible applications
New or Used
Finance dealer or private sale caravans
Bundle Extras
Include insurance, solar panels or tow gear
Fixed Repayments
Lock in predictable monthly costs
How it works
From application to adventure—getting caravan finance is straightforward.
Apply online in minutes
Tell us about you, the caravan and your budget.
See matched options
Our Lender Match shows secured and unsecured offers side by side.
Upload documents
Provide ID, proof of income and bank statements.
Settle & collect
We coordinate settlement with the seller so you can hitch up and hit the road.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to caravan finance
A caravan loan helps you purchase a caravan, camper or motorhome now and pay it off over 1–7 years. Secured loans usually offer sharper rates, with the caravan itself as collateral. Unsecured options are available too, giving flexibility when needed.
The amount you can borrow depends on your income, credit profile and the age/value of the caravan. Newer caravans typically qualify for higher limits and longer terms. With the right loan, you can travel Australia without compromising your savings.
Want to skip ahead?
Jump to the section you need.
Types of caravan loans
Choose a structure that fits your trip and your budget:
Secured Caravan Loan
A caravan loan secured against your travel trailer offering competitive rates and flexible terms. Finance your nomadic lifestyle with confidence.
Pros
- Competitive rates due to caravan security
- Choice of fixed or variable rate options
- Flexible terms for different caravan values
- Finance luxury or budget caravans
Cons
- Caravan serves as collateral - risk of loss
- Insurance requirements for comprehensive cover
- Depreciation affects equity over time
- Storage and maintenance costs additional
Best For
Travel lovers seeking competitive financing for caravans with the flexibility to choose their preferred rate structure and repayment terms.
Unsecured Personal Loan
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
Pros
- No collateral required - no risk to personal assets
- Quick approval and funding process
- Flexible use of funds for any purpose
Cons
- Higher interest rates than secured loans
- Stricter credit requirements
- Lower maximum loan amounts available
Best For
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
Fixed Rate Caravan Loan
A secured loan with fixed interest rate for purchasing caravans and travel trailers. Enjoy predictable payments while financing your mobile home away from home.
Pros
- Fixed interest rate provides payment certainty
- Competitive rates secured against the caravan
- Perfect for extended travel and holidays
- Finance both new and used caravans
Cons
- Caravan serves as security - risk of repossession
- Cannot benefit from interest rate decreases
- Comprehensive insurance required
- Depreciation affects loan-to-value ratios
Best For
Travel enthusiasts who want predictable monthly payments and rate protection when financing their caravan for holidays and extended trips.
Variable Rate Caravan Loan
A secured loan with variable interest rates for caravan purchases. Potentially benefit from rate decreases while financing your travel lifestyle.
Pros
- Can benefit from interest rate decreases
- Often lower initial rates than fixed loans
- Flexible loan features and repayment options
- Suitable for various caravan sizes and types
Cons
- Monthly payments can increase with rising rates
- Uncertainty in budgeting due to rate fluctuations
- Caravan serves as security - risk of repossession
- Insurance and registration requirements
Best For
Travellers comfortable with payment variability who want to benefit from potential rate decreases when financing their caravan purchase.
What can you use a caravan loan for?
Caravan loans can fund more than just the van—think upgrades, gear and extras for the journey.
New Caravan Purchase
Finance the latest model with modern layouts and features.
Used Caravan Purchase
Buy a pre-owned caravan with terms suited to age and value.
Off-Road Caravan
Get a rugged van built for Australia’s backroads and national parks.
Luxury Caravan
Fund a high-end caravan with premium finishes and appliances.
Upgrades & Refurbishments
Upgrade kitchens, bathrooms, solar or air-con systems.
Accessories & Gear
Add awnings, bike racks, solar panels and towing equipment.
Emergency Repairs
Cover unexpected repair bills without dipping into savings.
Insurance & Registration
Some lenders let you bundle these costs into the loan.
Tow Vehicle Upgrade
Finance a stronger 4WD or ute to safely tow your new caravan.
Case Study
Graham & Julie
Graham & Julie kit out an off-road caravan without raiding savings
Challenge: Graham and Julie wanted a tough off-road caravan for a WA adventure but were keen to keep their cash buffer intact.
Solution: A secured, fixed-rate 5-year loan funded 90% of the van, with solar, towing gear and essentials added at settlement.
Emu Money compared offers and lined up a sharp fixed rate with simple terms. By packaging the upgrades into the same facility, they had one clear monthly repayment and the confidence to leave on schedule—budget steady, trip plans full steam ahead.
How much can you borrow?
Caravan loans in Australia typically range from $5,000 up to $100,000+. Limits depend on your income, credit profile and the caravan’s age/value. Newer caravans and motorhomes often qualify for higher limits and longer terms, while older models may have shorter terms and lower LVRs.
Terms usually run from 1–7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms reduce monthly cost but increase the total interest paid.
Caravan Loan Repayment Calculator
Estimate repayments before you commit. Adjust the amount, term, rate and balloon to see how it impacts your budget.
Balance over time
Are you eligible for caravan finance?
Lenders want to see that your repayments fit comfortably into your budget. They’ll check your income, employment stability, existing commitments and credit history. The caravan itself also matters—newer models usually attract better rates and terms. Even if your credit isn’t perfect, specialist lenders may still have options.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide payslips or bank statements
Buying a new or used caravan, camper or motorhome from a dealer or private seller
How to apply for a caravan loan
Complete a quick online application, upload your documents, and we’ll match you with lenders. Choose the option that works best and we’ll handle settlement with the dealer or seller.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment/ABN details if self-employed
Caravan details (VIN, invoice/quote)
How to save money on a caravan loan
Compare rates and loan structures—not all caravan finance is the same. Secured loans usually price better than unsecured. Consider a modest balloon to reduce monthly cost, but make sure it aligns with resale value. Newer caravans often qualify for sharper rates. Bundling extras like solar, air-con or tow gear at settlement means they’re financed at the same competitive rate. Also, check fees and early repayment terms to avoid surprises.
Example: Balloon impact — $45,000 over 60 months at 8.79% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $930 | Highest monthly cost |
10% ($4,500) | $837 | Lower monthly cost |
20% ($9,000) | $744 | Balance of cost vs flexibility |
30% ($13,500) | $651 | Lowest monthly cost; plan to clear balloon |
Caravan loan options explained
Understand the features that shape your repayments and flexibility:
Secured vs Unsecured
Secured uses the caravan as collateral for lower rates. Unsecured is flexible but usually costs more.
Fixed vs Variable
Fixed locks in repayment certainty. Variable may move with market rates—up or down.
Balloon Payments
Choose to reduce monthly costs with a lump sum at the end—be sure you can clear it.
Early Repayment Flexibility
Some lenders allow extra repayments or early payout with minimal fees.
Fees & Charges
Check establishment, monthly and exit fees to understand the true cost.
Testimonials
Verified Review
Matt and the team were excellent in helping me understand all my finance options and were able to save me a great deal in interest. Thanks team!
Ryan K.
Verified Review
It's nice, quick and easy to get a new equipments through Emu Money. Big thanks to Brad for his great assistance.
Marvin Y.
Verified Review
Brad was great, honest, responsive and on the ball, thanks for your help :)
Chantelle F.
Verified Review
Fantastic experience. Very seamless process, all done online and settlement was exactly when required. Highly recommend Adam. He was a pleasure to do business with on our first loan with Emu Money.
Vicki
Verified Review
Brad has been absolutely amazing to work with to help with financing for our business! The process was very simple, well explained and Brad went out of his way to provide updates - highly recommended!
Karn P.
Verified Review
I had an excellent experience with Emu Money. Robyn was fantastic – professional, approachable, and genuinely easy to deal with from start to finish. She explained everything clearly, made the whole process stress-free, and went above and beyond to ensure I was comfortable with each step. It's rare to find someone so reliable and efficient. I'd highly recommend Emu Money, and especially Robyn, to anyone looking for great service and peace of mind
Cruize W.
Frequently Asked Questions
Caravan Loan FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
