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Loan sizes typically range from $5,000 to $80,000+
Choose from 1 to 7 years to match your budget
Quick decisions mean you can tow sooner
Finance trailers from dealers or private sellers
Lock in predictable instalments you can budget for
From camping trips to moving furniture or hauling horses
Tell us about yourself, the trailer and your budget.
Weâll show you lenders side-by-side so you know whatâs available.
ID, proof of income and recent bank statements are usually all thatâs needed.
We arrange payment to the seller so you can collect your trailer sooner.

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.
This guide is broken down into the following sections. Click a link if you want to skip ahead.
The way your loan is structured changes how you repay and what it costs:
A trailer loan secured against your trailer offering competitive rates and flexible terms. Finance utility, cargo, or recreational trailers with confidence.
Buyers seeking competitive financing for trailers with the flexibility to choose their preferred rate structure and repayment terms.
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
A secured loan with fixed interest rate for purchasing trailers of all types. Enjoy predictable payments while financing your utility or recreational trailer.
Buyers who want predictable monthly payments and rate protection when financing utility trailers, boat trailers, or cargo trailers.
A secured loan with variable interest rates for trailer purchases. Potentially benefit from rate decreases while financing your utility or recreational trailer.
Trailer buyers comfortable with payment variability who want to benefit from potential rate decreases when financing their purchase.
Trailer finance can cover a wide range of uses â from work to play, practical needs to outdoor adventures.
Finance a box or enclosed trailer for everyday hauling, moving equipment, or transporting items securely.
Get a camper trailer and enjoy road trips or camping holidays without needing to pay upfront.
Make trips to and from the water easier by financing a boat trailer thatâs safe and reliable.
Secure trailers designed for bikes, quads or ATVs so you can tow them safely to tracks and trails.
Spread the cost of a horse float to ensure your animals are transported safely and comfortably.
Finance a trailer that helps with relocations, downsizing or regular DIY projects.
Choose a trailer thatâs fit for carrying landscaping tools, garden machinery or building materials.
Tow your car securely for motorsport, restoration projects or relocations with a financed trailer.

James & Kelly
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.
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.
Balance over time
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
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)
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 |
The right loan features can change how affordable your repayments feel:
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 rates keep repayments steady, making budgeting simple. Variable rates can move up or down with the market.
You can reduce your monthly instalments by choosing a balloon payment at the end, but youâll need a plan to cover it.
Some lenders let you pay your loan off sooner or make extra repayments without penalty, saving on interest.
Check for establishment fees, monthly service fees or exit costs â they affect the true cost of your loan.
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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.
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Received a wonderful, organised & professional experience with Evette. Recommend highly her service and knowledge.
Colin B.
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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.
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Sham S.
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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.
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evette was very helpful, quick, punctual and got the job done fast as well as it being a good deal. absolute gem
Kristian J.
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