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.
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Types of caravan loans
Choose a structure that fits your trip and your budget:
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
Stevie was amazing she made the entire process smooth, not stressful and easy everything she requested wasn’t hard to complete, she worked around me she gave me advice or what to look for in a car she shared some good places to find a car she shared her experience with insurance she was amazing and went above and beyond. It isn’t always easy sharing things with someone when it comes to your personal affairs but she made me feel welcome to share you have a start worker and I really do believe she deserves a pay bonus
Tania W.
Verified Review
Straight to the point and super friendly, got off the phone with Peter late one afternoon and midday the next day the money has hit my account. Incredible service and super helpful
Tyler R.
Verified Review
Brad was great from start to finish made the process very easy. Would have no hesitation in using emu money again. Thanks again Brad.
Toni B.
Verified Review
S. B.
Verified Review
I would highly recommend Emu Money for loan purposes. Special thanks to Eujin who helped me to get the car loan within 24 hrs with no hassles at all. There services are so good.
Jiten D.
Verified Review
We recently purchased a vehicle. Peter was very helpful, with clear instructions and real outcomes. Within 48 hrs the deal was done, only 3-5 emails, a couple of phone calls. That was a super efficient experience. We would go back!
Kishan K.
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.
