Caravan & Motorhome Finance

Caravan Loans Australia

Hit the open road with competitive caravan and motorhome finance. From compact camper trailers to luxury touring caravans and Class A motorhomes, your broker compares rates from lenders who understand the RV market.

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Caravan Loan Calculator

Caravans, motorhomes, and campers

Loan amount$80,000

$10,000$500,000

Interest rate7.49% p.a.

6.00% p.a.12.00% p.a.

Loan term7 years

2 years7 years

Monthly repayment

$1,226.67

Total interest

$23,040

Total repayment

$103,040

Principal 77.6%Interest 22.4%

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Estimates only. Actual rate and repayment depend on your lender, loan structure and credit assessment.

Caravan Finance at a Glance
Finance all RV types: touring caravans, pop-tops, off-road, motorhomes, camper trailers, fifth-wheelers
Loan amounts from $10,000 to $500,000+ for luxury motorhomes
Used caravan finance for vehicles up to 15 years old with specialist lenders
Terms up to 7 years (some lenders up to 10 years for higher-value RVs)
Dealer and private sale purchases both eligible, PPSR checks included

Caravan Finance by RV Type

Australia's caravan and motorhome market has exploded in recent years, with more Australians than ever embracing the freedom of the open road. The finance options and rates vary by RV type and value:

RV Type	Typical Price Range	Max Age (Used)	Rate From
Camper Trailer	$10,000 - $60,000	10 years	7.49%
Pop-Top Caravan	$30,000 - $80,000	12 years	6.99%
Touring Caravan	$40,000 - $150,000	15 years	6.49%
Off-Road Caravan	$60,000 - $200,000	12 years	6.49%
Fifth-Wheeler	$80,000 - $250,000	15 years	6.49%
Motorhome (Class B/C)	$80,000 - $300,000	15 years	6.49%
Motorhome (Class A / Luxury)	$200,000 - $500,000+	15 years	6.49%

Vehicle Age Limits for Caravan Finance

Caravans and motorhomes generally enjoy more generous age limits than cars because they typically have lower mileage and longer useful lives. However, age limits vary significantly by lender and RV type:

New caravans, all lenders, best rates, full term options
Used caravans under 5 years, most lenders, near-new rates, full term options
Used caravans 5-10 years, many lenders, small rate premium, may have shorter max term
Used caravans 10-15 years, specialist lenders, moderate rate premium, shorter terms typical
Used caravans over 15 years, very limited secured options, unsecured personal loan recommended

Tow Vehicle Considerations

Before purchasing a caravan, ensure your tow vehicle has sufficient towing capacity. Lenders may ask about your tow vehicle as part of the application. If you need to upgrade your tow vehicle, we can finance both the caravan and the tow vehicle, potentially bundling them for a better overall deal.

Buying Tips for Caravans

Check the build quality, Australian-built caravans from reputable manufacturers (e.g., Jayco, Coromal, New Age, Avida) generally hold value better and have local warranty support
Inspect for water damage, the biggest issue in used caravans. Look for soft floors, stained walls, and musty smells
Weigh the caravan, laden weight should not exceed your tow vehicle's rated towing capacity. Allow 300-400 kg for personal items
Run a PPSR check, particularly important for private sales to confirm no existing finance
Consider insurance costs, caravan insurance is essential and should be factored into your budget

Application Process

Find a Broker

Know your budget before shopping. Pre-approval gives you negotiating power.

Find Your RV

Dealers, private sales, caravan shows, shop with confidence.

We Handle the Details

Valuation, PPSR check, and lender paperwork all managed by our team.

Hit the Road

Settlement and you are off on your next adventure.

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WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.

Caravan Loan FAQs

What types of caravans can be financed?

Brokers in the partner network finance all types of recreational vehicles including conventional touring caravans, pop-top caravans, camper trailers, off-road caravans, fifth-wheelers, motorhomes (Class A, B, and C), campervans, and slide-on campers. Both new and used RVs are eligible, with used finance available for vehicles up to 15 years old with select lenders.

How much can I borrow for a caravan?

Caravan loan amounts range from $10,000 for a basic camper trailer up to $500,000+ for luxury motorhomes. The amount depends on the vehicle value, your income, credit history, and the loan-to-value ratio. Most lenders finance up to 100% of the purchase price for new caravans with good credit.

What loan terms are available for caravan finance?

Caravan loans typically range from 2 to 7 years (24-84 months). Some lenders offer extended terms up to 10 years for higher-value motorhomes and luxury caravans. Longer terms reduce monthly repayments but increase total interest paid. A 5-year term is the most common balance between affordability and total cost.

Are caravan loan rates the same as car loan rates?

Caravan rates sit slightly higher than new-car rates because caravans are considered specialty vehicles. As at May 2026, secured caravan rates on the broker panel typically start around 7.49% p.a. for new vans, with unsecured rates from around 8.99% p.a. The exact rate depends on the caravan age and value, the lender (the major banks plus specialist RV financiers like Pepper Money each price these differently) and your credit profile.

Can I finance a caravan from a private sale?

Yes, private sale caravan purchases can be financed. You will need a PPSR check to confirm no existing finance, a valuation or RedBook check, and the seller details. Some lenders also require an independent inspection for private caravan purchases, particularly for older or higher-value RVs.

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Touring caravans, motorhomes, and camper trailers

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