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Loan amounts typically range from $5,000 to $100,000+
Choose 1 to 7 years depending on your budget
Get a decision fast and hit the road sooner
Finance available for dealer, auction or private sales
Know exactly what’s due each month with fixed terms
Family vans, camper vans, trade vehicles or mobile businesses
Share your details, the van you’re looking at, and your budget.
See side-by-side loan options, including secured, unsecured, fixed and variable.
Proof of income, ID and bank statements are usually enough.
We arrange settlement so you can collect your van without hassle.
A van can be one of the most versatile vehicles you’ll own — perfect for growing families, road trips, or even starting a mobile business. With van finance, you don’t have to save up the full amount. Instead, you borrow what you need and repay it in instalments that fit your budget.
Lenders look at your income, credit profile and the type of van you’re buying. Newer models often unlock better rates and longer terms, while used vans are still financeable with slightly different conditions. Either way, the right loan helps you get the van you want now without draining your savings.
This guide is broken down into the following sections. Click a link if you want to skip ahead.
There are different ways your van loan can be structured — here are the most common:
A car loan secured against the vehicle you're purchasing, offering competitive rates and terms for both new and used cars.
Car buyers seeking the lowest possible rates who are comfortable securing the loan against their vehicle. Perfect for new and used car purchases with competitive 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 car loan with a fixed interest rate that remains constant throughout the loan term, providing predictable monthly payments.
Budget-conscious borrowers who want predictable monthly payments and protection against interest rate increases. Ideal for first-time car buyers or those on fixed incomes.
A secured car loan with an interest rate that can fluctuate with market conditions, potentially offering savings when rates decrease.
Financially savvy borrowers who can handle payment fluctuations and want to capitalise on falling interest rates. Great for those with stable income who expect rates to drop.
Van finance can be tailored to almost any lifestyle or need — from family to business and everything in between.
Finance a safe, comfortable van with enough space for kids, relatives and all the gear that comes with them.
Get a camper van or converted van for weekend escapes, cross-country adventures and long holidays.
Tow surfboards, mountain bikes, or bulky hobby gear with a van designed for adventure.
Haul tools, timber or furniture for renovations, side projects or weekend jobs.
Choose a van that lets you transport pets comfortably and securely.
Finance a van that fits group outings, wedding parties or local events.
Buy or convert a wheelchair-friendly van to give yourself or a loved one more freedom and independence.
Purchase a spacious van for exploring Australia with family or friends, with comfort and freedom on the road.
Fit out a van as a food truck, mobile salon or pop-up retail store and hit the road.
Luke & Sarah
Challenge: Luke and Sarah wanted a camper van for family trips but preferred to keep their savings for fuel, park fees and the unexpected.
Solution: A secured, fixed-rate 5-year van loan funded 90% of the purchase price, with a simple fit-out (bed platform and fridge) bundled at settlement.
Emu Money compared lenders and they picked a flat monthly repayment that fit neatly into the family budget. No big deposit, pickup the same week, child seats clipped in and the first campsite booked—savings intact and no bill shock.
Van loans typically range from $5,000 to $100,000+. The amount you can borrow depends on your income, credit history and the type of van you’re buying. Newer vans and camper conversions may be eligible for larger limits, while older vans might come with slightly shorter terms.
Loan terms generally run from 1 to 7 years, giving you flexibility to choose between higher monthly repayments with less interest overall, or lower monthly repayments spread over more time.
Balance over time
Lenders will want to see that you can manage the loan without financial stress. They’ll look at your income, employment stability, credit history and recent bank statements. The van itself also matters — newer models often unlock lower rates and longer terms, while older vans are still financeable but may come with tighter conditions.
If you’re self-employed or have a less-than-perfect credit score, don’t worry — there are lenders who can work with your situation and still help you secure finance.
You may be eligible if you are:
An Australian resident over 18
Earning a regular income
Able to show bank statements or payslips
Looking to buy a new or used van from a dealer or private seller
Applying is straightforward. Complete a short online form, upload your documents, and we’ll match you with lenders. Once you choose the right option, we’ll coordinate settlement so you can pick up your van without hassle.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment details
Van details (invoice, rego, VIN or quote)
The right loan structure makes all the difference. Secured loans usually offer lower rates, while unsecured loans give you more flexibility if you don’t want the van tied to the loan. Balloons can lower your monthly repayments but leave a lump sum at the end — plan ahead for this. Choosing a newer van can help secure sharper pricing. Always check fees and see if extras like rego or accessories can be rolled into the loan to save on out-of-pocket costs.
Example: Balloon impact — $40,000 over 60 months at 8.29% p.a.:
Balloon | Approx. Monthly Repayment | Notes |
---|---|---|
$0 | $815 | Highest monthly cost |
10% ($4,000) | $733 | Lower monthly cost |
20% ($8,000) | $652 | Balance of cost vs cash flow |
30% ($12,000) | $570 | Lowest monthly cost; plan ahead to clear balloon |
Here are the key features that can shape your repayments and flexibility:
A secured loan uses the van as collateral, usually giving you a lower rate. An unsecured loan can be faster but often costs more.
Fixed rates lock in steady repayments, while variable rates move with the market — which can save you money or increase costs.
Reduce monthly costs by deferring a lump sum to the end of the loan. Just make sure you’ll be able to pay it off, refinance or sell.
Some lenders let you pay extra or settle early without penalty, helping you save interest.
Always look beyond the rate — account-keeping fees, establishment fees and exit costs all add to the total cost.
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Emu Money is an excellent choice for anyone seeking a personal loan. The website is user-friendly and makes the loan process straightforward and hassle-free. I've also heard similar positive feedback from friends who have used the site. Thank you Emu!
Taz A.
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Eujine made the process of getting a loan swift and easy, he's very trustable, I would highly recommend
Amila L.
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Kylie L.
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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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Emu Money does a really good job when it comes to their services. It was pretty easy and smooth, less stressful, quick, Cristal clear, very friendly, to the point...etc I would highly recommend them for anyone My agent was Eujin who made my dream come true with what I wanted achieved. Thanks heaps and all the very best. Regards Lankesh
Lankesh S.
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Dealing with Ryan has been excellent from start to finish ! Quick response no questions in answered great experience all round
Daniel W.
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