Compare Trailer Finance from 50+ Australian Lenders
From box trailers to camper trailers and horse floats, spread the cost with repayments that suit your budget.
5.0 rating
Trailer Finance Made Simple
Get the trailer you need now and pay it off over time with competitive rates and flexible terms.
Borrow With Confidence
Loan sizes typically range from $5,000 to $80,000+
Set Your Term
Choose from 1 to 7 years to match your budget
Fast Approvals
Quick decisions mean you can tow sooner
New or Used
Finance trailers from dealers or private sellers
Fixed Repayments
Lock in predictable instalments you can budget for
Any Purpose
From camping trips to moving furniture or hauling horses
How it works
We match your application with lenders who finance trailers so you can compare offers in minutes.
Apply online in 3 minutes
Tell us about yourself, the trailer and your budget.
See your options
Weâll show you lenders side-by-side so you know whatâs available.
Upload your documents
ID, proof of income and recent bank statements are usually all thatâs needed.
Settle & tow away
We arrange payment to the seller so you can collect your trailer sooner.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to trailer finance
A trailer can open up new possibilities â whether thatâs making weekend adventures easier, moving goods, or transporting animals safely. With trailer finance, you donât have to wait until youâve saved the full amount. Instead, you can borrow the funds now and spread repayments over 1 to 7 years.
Lenders consider your income, credit history and the type of trailer youâre buying. Newer trailers and well-maintained assets may qualify for sharper rates, while older models can still be financed with slightly different terms. By choosing the right structure, you get the trailer you need today without draining your savings.
Want to skip ahead?
This guide is broken down into the following sections. Click a link if you want to skip ahead.
Types of trailer finance
The way your loan is structured changes how you repay and what it costs:
Secured Trailer Loan
A trailer loan secured against your trailer offering competitive rates and flexible terms. Finance utility, cargo, or recreational trailers with confidence.
Pros
- Competitive rates due to trailer security
- Choice of fixed or variable rate options
- Flexible terms for different trailer values
- Suitable for utility, boat, or cargo trailers
Cons
- Trailer serves as collateral - risk of loss
- Insurance requirements may apply
- Depreciation affects equity over time
- Storage considerations when not in use
Best For
Buyers seeking competitive financing for trailers 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 Trailer Loan
A secured loan with fixed interest rate for purchasing trailers of all types. Enjoy predictable payments while financing your utility or recreational trailer.
Pros
- Fixed interest rate provides payment certainty
- Competitive rates secured against the trailer
- Suitable for utility, boat, or cargo trailers
- Finance both new and used trailers
Cons
- Trailer serves as security - risk of repossession
- Cannot benefit from interest rate decreases
- Insurance requirements may apply
- Depreciation affects loan-to-value ratios
Best For
Buyers who want predictable monthly payments and rate protection when financing utility trailers, boat trailers, or cargo trailers.
Variable Rate Trailer Loan
A secured loan with variable interest rates for trailer purchases. Potentially benefit from rate decreases while financing your utility or recreational trailer.
Pros
- Can benefit from interest rate decreases
- Often lower initial rates than fixed loans
- Flexible loan features and terms
- Suitable for various trailer types and sizes
Cons
- Monthly payments can increase with rising rates
- Uncertainty in budgeting due to rate fluctuations
- Trailer serves as security - risk of repossession
- Insurance and registration requirements
Best For
Trailer buyers comfortable with payment variability who want to benefit from potential rate decreases when financing their purchase.
What can you use trailer finance for?
Trailer finance can cover a wide range of uses â from work to play, practical needs to outdoor adventures.
Transport Goods
Finance a box or enclosed trailer for everyday hauling, moving equipment, or transporting items securely.
Camping & Outdoor
Get a camper trailer and enjoy road trips or camping holidays without needing to pay upfront.
Boat Trailers
Make trips to and from the water easier by financing a boat trailer thatâs safe and reliable.
Motorcycle & ATV Trailers
Secure trailers designed for bikes, quads or ATVs so you can tow them safely to tracks and trails.
Horse Floats
Spread the cost of a horse float to ensure your animals are transported safely and comfortably.
Furniture & Household Moves
Finance a trailer that helps with relocations, downsizing or regular DIY projects.
Landscaping & Gardening Equipment
Choose a trailer thatâs fit for carrying landscaping tools, garden machinery or building materials.
Car Carriers
Tow your car securely for motorsport, restoration projects or relocations with a financed trailer.
Case Study
James & Kelly
James & Kelly tow a camper trailer without touching the rainy-day fund
Challenge: James and Kelly wanted a family camper trailer for school-holiday trips but didnât want to raid their savings to get moving.
Solution: A secured, fixed-rate 5-year loan covered 90% of the trailer, with the awning and brake controller bundled at settlement for one simple repayment.
Emu Money lined up several lenders and they chose a low, predictable monthly cost that fit their budget. With the trailer, extras and on-roads wrapped into the same facility, the first getaway was booked for the next long weekendâsavings intact and no bill shock.
How much can you borrow with trailer finance?
Most trailer loans range from $5,000 to $80,000+, depending on the trailer type and your financial profile. New trailers and camper models may be eligible for higher limits, while older or specialist trailers can still be financed with slightly different conditions.
Loan terms typically run 1 to 7 years, giving you the choice between higher repayments with less interest overall, or lower monthly costs stretched out longer.
Trailer Finance Repayment Calculator
Work out what your trailer loan repayments might look like. Adjust the loan amount, rate, term and balloon to plan ahead.
Balance over time
Are you eligible for trailer finance?
Lenders want to be confident you can manage repayments comfortably. Theyâll check your income, employment stability, credit history and bank statements. The type of trailer matters too â newer trailers often unlock sharper pricing, while older ones may come with shorter terms or lower maximum borrowing.
If your credit isnât perfect, donât stress. Specialist lenders may still approve your loan with slightly different terms, helping you get the trailer you need.
You may be eligible if you are:
An Australian resident over 18
Earning a regular income
Able to show recent bank statements or payslips
Looking to finance a new or used trailer from a dealer or private seller
How to apply for trailer finance
The process is quick and straightforward. Fill out a short online form, upload your documents, and weâll match you with lenders. Once youâve chosen the right offer, we take care of settlement so you can collect your trailer without delays.
Documents you may need:
Driverâs licence or passport
Recent payslips or bank statements
Employment details
Trailer details (invoice, rego, VIN or quote)
How to save money on trailer finance
A few smart choices can make your trailer loan more affordable. Secured loans usually come with lower rates, while unsecured loans provide flexibility if you donât want the trailer tied to the loan. Balloon payments can reduce monthly instalments but leave a lump sum at the end â plan ahead so it doesnât catch you out.
Always compare more than just the rate. Look at fees, early repayment options and whether extras like registration or accessories can be bundled into the loan so you only pay one competitive rate.
Example: Balloon impact â $25,000 over 60 months at 8.49% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $513 | Highest monthly cost |
10% ($2,500) | $462 | Lower monthly cost |
20% ($5,000) | $410 | Balance of cost vs cash flow |
30% ($7,500) | $359 | Lowest monthly cost; plan for resale or refinance |
Trailer finance options explained
The right loan features can change how affordable your repayments feel:
Secured vs Unsecured Loans
A secured loan uses the trailer as collateral, usually lowering your rate. An unsecured loan may be quicker but often comes with higher interest.
Fixed vs Variable Rates
Fixed rates keep repayments steady, making budgeting simple. Variable rates can move up or down with the market.
Balloon Payments
You can reduce your monthly instalments by choosing a balloon payment at the end, but youâll need a plan to cover it.
Early Repayment Flexibility
Some lenders let you pay your loan off sooner or make extra repayments without penalty, saving on interest.
Fees & Charges
Check for establishment fees, monthly service fees or exit costs â they affect the true cost of your loan.
Testimonials
Verified Review
Eujin was extremely easy to work with. He was respectful, clear in communication and persuasive. He works to get the best deal for his clients.
Chetan P.
Verified Review
Received a wonderful, organised & professional experience with Evette. Recommend highly her service and knowledge.
Colin B.
Verified Review
I applied for a car loan with the help of Emu Money a week ago, and the process was very fast and easy. There was no stress at all, as everything was taken care of by Krish, who managed my application from start to finish. He was very easy to communicate with and clearly explained the entire process and what was required from me. He was also quick to provide updates throughout. I would definitely recommend Emu Money to anyone looking for a smooth and hassle-free loan experience.. Thank you Krish.
Saritha A.
Verified Review
Sham S.
Verified Review
It was an absolute pleasure dealing with Ryan from Emu Money in sorting out my car loan. I was talking with another broker and I was almost ready to settle the loan through him without realising I was getting charged a large amount as the lender fee, almost 3K. Once I started talking with Ryan I realised the naked truth of how I was about to get ripped off by the other lender. Ryan helped me to get the loan with a lesser fee, lesser repayment amount and the same lender with which I was gone with the first broker. I can't thank enough Ryan for his exceptional service which helped to get a better deal. I would highly recommend him for any loan needs.
Praveen P.
Verified Review
evette was very helpful, quick, punctual and got the job done fast as well as it being a good deal. absolute gem
Kristian J.
Frequently Asked Questions
Trailer Finance 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.
