Compare Van Finance from 50+ Australian Lenders
Get the van you need sooner â from family movers to camper conversions â with flexible repayments that fit your budget.
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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 whatâs 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 â compare lenders and pick the option that works best for you.
Apply online in 3 minutes
Share your details, the van youâre looking at, and your budget.
Get matched offers
See side-by-side loan options, including secured, unsecured, fixed and variable.
Upload documents
Proof of income, ID and bank statements are usually enough.
Settle & drive away
We arrange settlement so you can collect your van without hassle.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to van finance
A van can be one of the most versatile vehicles youâll own â perfect for growing families, road trips, or even starting a mobile business. With van finance, you donât 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 youâre 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 â 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.
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.
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.
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.
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 â 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
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 bookedâsavings 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 youâre 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.
Balance over time
Are you eligible for van finance?
Lenders will want to see that you can manage the loan without financial stress. Theyâll look at your income, employment stability, credit history and recent bank statements. The van itself also matters â newer models often unlock lower rates and longer terms, while older vans are still financeable but may come with tighter conditions.
If youâre self-employed or have a less-than-perfect credit score, donât worry â 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 weâll match you with lenders. Once you choose the right option, weâll coordinate settlement so you can pick up your van without hassle.
Documents you may need:
Driverâs 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 donât want the van tied to the loan. Balloons can lower your monthly repayments but leave a lump sum at the end â 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 â $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 |
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 â 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 youâll 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 â account-keeping fees, establishment fees and exit costs all add to the total cost.
Testimonials
Verified Review
I couldn't be happier with the service I received! Robyn made the whole car finance process so simple and stress free. She explained everything clearly, kept me updated the whole way through, and went above and beyond to find me the best deal. I honestly didn't think it would be this smooth, but she took care of all the hard work and I was in my new car before I knew it. Highly recommend to anyone looking for finance.
harry b.
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
It's nice, quick and easy to get a new equipments through Emu Money. Big thanks to Brad for his great assistance.
Marvin Y.
Verified Review
Dat N.
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
Thanks for all your help and dedication, it was super fast and easy to get my vehicle load approved and they found my vehicle in less then a day. smooth ans swift thanks Peter!
Barend B.
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.
