Compare Van Finance from 50+ Australian Lenders

Get the van you need sooner — from family movers to camper conversions — with flexible repayments that fit your budget.

Emu Money 5 star verified Google Reviews

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Van Finance Australia
Emu Money Van Loan

Van Finance Made Simple

From road trips to work runs, van finance helps you spread the cost and keep your cash flow steady.

Borrow With Confidence

Loan amounts typically range from $5,000 to $100,000+

Flexible Terms

Choose 1 to 7 years depending on your budget

Quick Approvals

Get a decision fast and hit the road sooner

New or Used Vans

Finance available for dealer, auction or private sales

Fixed Repayments

Know exactly what’s due each month with fixed terms

Fit For Any Purpose

Family vans, camper vans, trade vehicles or mobile businesses

How it works

Applying for van finance is quick and straightforward — compare lenders and pick the option that works best for you.

1.

Apply online in 3 minutes

Share your details, the van you’re looking at, and your budget.

2.

Get matched offers

See side-by-side loan options, including secured, unsecured, fixed and variable.

3.

Upload documents

Proof of income, ID and bank statements are usually enough.

4.

Settle & drive away

We arrange settlement so you can collect your van without hassle.

How Van Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

Affordable Car Loans
Alex Bank
Angle Finance
ANZ
Australian Motorcycle & Marine Finance
Australian Premier Finance
Automotive Financial Services
Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to get started?

Compare van finance from 50+ lenders with one simple application.

A quick guide to van finance

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.

Want to skip ahead?

This guide is broken down into the following sections. Click a link if you want to skip ahead.

Types of van loans

There are different ways your van loan can be structured — here are the most common:

Secured Car Loan

A car loan secured against the vehicle you're purchasing, offering competitive rates and terms for both new and used cars.

Loan Amount$5,000 - $200,000
Term12 - 84 months
Interest RateFrom 6.09%
Comparison Rate^From 7.76%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
Pros
  • Lower interest rates due to vehicle security
  • Higher loan amounts available
  • Longer repayment terms possible
Cons
  • Vehicle serves as collateral - risk of repossession
  • Restrictions on selling the vehicle during loan term
  • Comprehensive insurance typically required
Best For

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.

Unsecured Personal Loan

A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
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 Car Loan

A secured car loan with a fixed interest rate that remains constant throughout the loan term, providing predictable monthly payments.

Loan Amount$5,000 - $200,000
Term12 - 84 months
Interest RateFrom 6.59%
Comparison Rate^From 8.26%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
Pros
  • Predictable monthly payments with fixed interest rates
  • Protection against interest rate increases
  • Easier budgeting and financial planning
Cons
  • Cannot benefit from interest rate decreases
  • Typically higher initial rates than variable loans
  • Less flexibility in payment structure
Best For

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.

Variable Rate Car Loan

A secured car loan with an interest rate that can fluctuate with market conditions, potentially offering savings when rates decrease.

Loan Amount$5,000 - $200,000
Term24 - 84 months
Interest RateFrom 6.09%
Comparison Rate^From 7.76%
Time to Fund24 - 48 hours
EligibilityMinimum income $30,000, Australian resident, Fair credit score
Pros
  • Can benefit from interest rate decreases
  • Often lower initial rates than fixed loans
  • More flexible loan features available
Cons
  • Monthly payments can increase with rising rates
  • Uncertainty in budgeting due to rate fluctuations
  • Risk of significant payment increases
Best For

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.

What can you use van finance for?

Van finance can be tailored to almost any lifestyle or need — from family to business and everything in between.

Family Transport

Finance a safe, comfortable van with enough space for kids, relatives and all the gear that comes with them.

Camping & Road Trips

Get a camper van or converted van for weekend escapes, cross-country adventures and long holidays.

Sports & Hobbies

Tow surfboards, mountain bikes, or bulky hobby gear with a van designed for adventure.

DIY & Projects

Haul tools, timber or furniture for renovations, side projects or weekend jobs.

Pet Transport

Choose a van that lets you transport pets comfortably and securely.

Event Transport

Finance a van that fits group outings, wedding parties or local events.

Accessible Vehicles

Buy or convert a wheelchair-friendly van to give yourself or a loved one more freedom and independence.

Travel & Tourism

Purchase a spacious van for exploring Australia with family or friends, with comfort and freedom on the road.

Mobile Businesses

Fit out a van as a food truck, mobile salon or pop-up retail store and hit the road.

Case Study

Van Finance Case Study

Luke & Sarah

Luke & Sarah turn a camper van plan into weekend reality


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.

How much can you borrow with van finance?

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.

Van Finance Repayment Calculator

Estimate your repayments before you apply. Adjust the loan amount, interest rate, term and balloon to see what works for your budget.

Loan Amount
$
Establishment Fee
$
Loan Term (months)
Interest Rate
%
Total amount to repay
$0.00
Your repayments
$NaN

Balance over time

Are you eligible for van finance?

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

How to apply for van finance

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)

How to save money on van finance

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.:

BalloonApprox. Monthly RepaymentNotes

$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

Van finance options explained

Here are the key features that can shape your repayments and flexibility:

Secured vs Unsecured Loans

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 vs Variable Rates

Fixed rates lock in steady repayments, while variable rates move with the market — which can save you money or increase costs.

Balloon Payments

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.

Early Repayment Flexibility

Some lenders let you pay extra or settle early without penalty, helping you save interest.

Fees & Charges

Always look beyond the rate — account-keeping fees, establishment fees and exit costs all add to the total cost.

Testimonials

VerifiedVerified Review

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.

Review posted on 2024-01-03

VerifiedVerified Review

Eujine made the process of getting a loan swift and easy, he's very trustable, I would highly recommend

Amila L.

Review posted on 2024-03-12

VerifiedVerified Review

Kylie L.

Review posted on 2023-10-11

VerifiedVerified 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.

Review posted on 2025-07-02

VerifiedVerified Review

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.

Review posted on 2025-08-06

VerifiedVerified Review

Dealing with Ryan has been excellent from start to finish ! Quick response no questions in answered great experience all round

Daniel W.

Review posted on 2023-12-20

Frequently Asked Questions

Van 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.

Can I finance both new and used vans?
Do I need a deposit for van finance?
How long can I finance a van for?
Can I buy from a private seller?
Can I use a van loan for a camper conversion?
Are repayments tax-deductible?
Can I repay early?
The information, tools, and material presented on emumoney.com.au are provided for informational and comparative purposes only and do not constitute financial advice or a recommendation. While we strive to ensure the accuracy and timeliness of the information provided, we make no guarantees or warranties, either expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on this website. The loan rates, terms, and repayments presented are based on user inputs and the data provided by lenders in our network. These are estimates and indicative figures only. Actual loan rates, terms, and repayments may vary based on the specific lender, your creditworthiness, market conditions, and other factors not accounted for in our tools.
^The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not consider suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.
The minimum loan term available is 12 months, and the maximum loan term is 84 months. Maximum Annual Percentage Rate (APR): The maximum APR, which includes the interest rate plus fees and other costs calculated annually, is 28.45% per annum. Representative Example: For a loan amount of $30,000 over a term of 5 years (60 months) at an annual interest rate of 6.09% p.a., the total repayment amount including all fees and charges would be $36,291.11, with a monthly repayment of $604.85.