Caravan & Motorhome Finance

Caravan Loans Australia from 6.49% p.a.

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

Comparison rate 7.25% p.a.* on a $80,000 secured caravan loan over 7 years.

Get Caravan Finance

Caravan Loan Calculator

Caravans, motorhomes, and campers

Loan Amount

$80,000

$10,000$500,000

Interest Rate (p.a.)

7.49%

6.00%12.00%

Loan Term

7 years

2 years 7 years

Monthly Payment

$1,226.67

Total Interest

$23,040

Total Repayment

$103,040

Principal (77.6%)Interest (22.4%)

Principal: $80,000

Interest: $23,040

This calculator provides estimates only. Actual rates and repayments may vary based on your circumstances and lender requirements.

Get Your Personalized Quote

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

Get Pre-Approved

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.

More Vehicle Finance

Boat Loans

Marine finance options

Secured Car Loans

Lowest rates with security

Used Car Loans

Pre-owned vehicle finance

No Deposit Car Loans

100% financing

Private Sale Car Loans

Buy from private sellers

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?

We 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 are generally similar to used car rates — slightly higher than new car rates because caravans are considered specialty vehicles. Secured caravan rates start from 6.49% p.a., while unsecured rates start from around 8.99% p.a. The rate depends on the caravan age, value, 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.

Finance Your Dream Caravan

Touring caravans, motorhomes, and camper trailers from 6.49% p.a.

Get Caravan Finance Call Us