Caravan Finance

Caravan finance for the trip you're actually planning.

A van you keep for a decade and a van you upgrade in three years should not be financed the same way. We structure the term, the deposit and the balloon around how long you'll really own it.

Terms up to 10 years Retirees and self-funded No broker fees
Get My Options Talk to a Broker
What might it cost per month?
Move the slider for an instant estimate
Loan amount $35,000
$10,000 $200,000
Loan term
Estimated repayment
$620–$710
per month, over 5 years

An estimate only, not a quote or an offer of credit. Assumes a rate between 7.99% and 14.99% p.a. with no fees, deposit or balloon payment. Your actual rate depends on your circumstances, the asset and the lender.

Get My Real Numbers
Get your real numbers
Four details and we’ll come back with lender options. No credit check at this stage.
Caravan Finance · $55,000
1
Your details
So we know who to call back.
We collect your details to assess this enquiry and contact you about finance options, and may share them with lenders and our licensee for that purpose. See our Privacy Policy and Cookies notice.
30+ lenders compared · We’ll call you within 2 business hours · ACL 423002
Want tailored options faster? Answer 4 quick steps
$10k–$250k
Typical loan size
1–10 yrs
Loan terms available
24–48 hrs
Most approvals
$0
Broker fees, always
What We Finance

However you plan to travel

Lender policy shifts a lot between a pop-top, a full off-road van and a motorhome on a truck chassis. We start with the ones that already say yes to yours.

Touring caravans
On-road vans, single or tandem axle
Off-road & hybrid
Built for corrugations and free camps
Pop-tops & campers
Camper trailers and pop-top vans
Motorhomes & RVs
Including converted vans
Fifth wheelers
And the tow vehicle, if you need one
Slide-ons & rooftop
Ute-mounted and rooftop setups
Private sale
Buying from another traveller
Refinance
Or upgrading and rolling the balance
How It Works

Three steps, and we do most of them

No forms to chase, no lender queues to sit in. You answer some questions once and we take it from there.

01
Tell us the basics

Four short steps online — what you’re buying, roughly what it costs and a little about you. About two minutes, and no credit check at this stage.

02
We match the lender

We put your profile against 30+ lenders and pick the ones whose credit policy actually fits it, so the application goes in where it has the best chance.

03
Approval and settlement

Most approvals land within 24–48 hours. We handle the paperwork with the lender and the dealer or private seller, and you hitch up.

Why Through Us

What a broker changes

Anyone can fill in a lender’s online form. The value is in knowing which lender to approach before you do.

Retirement income is not a decline

Super drawdowns, a pension, or income from investments are assessed very differently from lender to lender. Some won't look at it at all, others do it every day. Starting at the right one matters more here than anywhere.

Ten years is available, not always right

A long term makes the monthly figure comfortable and quietly adds thousands over the life of the loan. If you plan to sell after the big lap, we'll show you what a shorter term and a balloon actually cost by comparison.

The van and the tow vehicle together

Plenty of people need both. Financed properly that's one conversation about total borrowing capacity, not two applications lodged a fortnight apart that each look worse for the other existing.

Private sales are the norm here

Good used vans mostly change hands privately. We run the PPSR check, verify the seller and pay them at settlement, so you aren't handing over a bank transfer and hoping.

Before You Apply

What you’ll need on hand

Nothing is needed to start — this is what the lender will ask for once we’ve matched you to one.

If you're employed
  • Driver licence
  • Payslips, or pension and super statements
  • Three months of bank statements
  • The van details or dealer quote
If you have an ABN
  • ABN, active and registered
  • Driver licence
  • Business bank statements
  • BAS or financials for larger amounts
Missing something on this list isn’t a dead end. Low-doc options exist for most of these gaps — it changes which lender we approach, not whether the deal can be done. Send us the scenario and we’ll tell you straight.
Questions

Caravan Finance, answered

I'm retired. Can I still get finance?
Often, yes. It depends on demonstrable income — a pension, super drawdown, rent or investment income — and on the term, since lenders look closely at loans running well past working age. Some lenders decline it outright and others assess it properly, which is exactly the kind of thing we sort out before lodging.
Can I finance the caravan and the tow car together?
They're usually two separate loans, but they should be planned as one. We look at your total capacity first so the second application isn't knocked back by the first, and in some cases a single larger facility works out better.
Does an off-road van cost more to finance?
Not inherently. What changes is the lender list — some are cautious about heavily modified or small-builder vans because resale is harder to predict. Well-known off-road brands are generally straightforward.
What about a caravan I'm buying privately?
Very common in this category. We do a PPSR search to confirm no money is owing on it, confirm the seller's identity and pay them directly at settlement. Tell us it's private up front and we'll start with lenders who handle it well.
Should I take a balloon payment?
Only if you intend to sell or upgrade before the end of the term. A balloon lowers the monthly repayment and raises the total interest, so it suits someone doing a few years of touring and moving on, and it suits almost nobody planning to keep the van.
Do you charge a fee?
No broker fee to you. We're paid a commission by the lender that writes the loan, and that's disclosed to you in writing before you sign anything.
More Finance Options

We finance a lot more than caravans

One panel of lenders covers everything from a first car to a fleet of prime movers.

Car Finance
Bike Finance
Boat Finance
You are here Caravan Finance
Equipment Finance
Truck Finance
Business Loans
Solar Finance

Find out what you can actually borrow

Four short steps, about two minutes, and no credit check at this stage. You'll hear back from a real broker — not an auto-responder.

Get My Options Call 1300 265 743

Asset Now Pty Ltd (ABN 79 701 680 499) is a credit representative of National Finance Choice Pty Ltd (ABN 95 156 544 464), Australian Credit Licence 423002. Information on this page is general only and does not take your objectives, financial situation or needs into account. It is not an offer of credit or a credit quote. All applications are subject to lender assessment, verification of supporting documents and the lender’s credit criteria.