1300 361 360

Let us find you a low rate, flexible Caravan finance solution today.

Since 2007, we have been helping our customers live their life upgraded with low rate Caravan and Motorhome/RV Finance. So whether you looking to swap a tent for a camper trailer, buy your first family caravan or upgrade to a luxury home for that once in a lifetime trip, we can help find the best caravan finance rates for you from our panel of over 60 leading Australian bank and non-bank lenders.

  • Low total cost of loan and low repayments
  • No deposit caravan loans available
  • Private, dealer, new and used caravan finance
  • Balloon repayments available to lower repayments
  • Includes Off-roaders, Motorhomes, Camper Trailers, Toy Hauler Caravans and 5th Wheelers.

Caravan finance options:

Lower rates • Higher borrowing limits • 1-7 year terms

A Secured Caravan Loan is finance provided for the specific purpose of purchasing a new, near new or used Caravan (or other types of recreational vehicles such as Camper Trailers, Toy Haulers or Motorhomes). Secured Loans offer the most competitive rates and repayments compared to other loan types by using the asset as security for the loan. With the Caravan as security, our panel of lenders can offer you lower interest rates as their risk is lowered in the unlikely event of default of the loan. A Secured Loan is a great option if you are wanting to buy a Caravan within a set monthly repayment budget.

Speak to a Finance Specialists to determine the most suitable loan option for you.

Greater Flexibility • Ideal for older caravans • 1-7 year terms

An Unsecured Caravan Loan is finance provided to purchase a new, near new or used Caravan (or other types of recreational vehicles such as Camper Trailers, Toy Haulers or Motorhomes) without the Caravan being held as security in the unlikely event of payment default. Also known as a Personal Loan, Unsecured Loans offer a greater level of flexibility than other loan types, however as the lenders risk is slightly higher by not having any security over the loan, interest rates offered can be a little higher. An Unsecured Loan is ideal for purchasing older or niche Caravans or if you simply want the freedom to sell your Caravan down the track without impacting on your finance arrangements.

Speak to a Finance Specialists to determine the most suitable loan option for you.

Lowest rates • Tax effective • Low Doc • 1-7 year terms

A Business or Commercial Loan is finance provided for the specific purpose of purchasing an asset including a Caravan for business purposes (ie food trailer or van, mobile accommodation for workers or a business promotional van just to name a few). Commercial loans offer some of the most competitive rates and repayments compared to other loan types and can provide a tax advantage and allow you to claim GST and depreciation. A Commercial Loan is a great option for any sized business with flexible repayment terms to suit business cashflow or accounting structures.

Speak to one of our Commercial Finance Specialists to determine the most suitable loan option for you.

Competitive
We have access to some of the lowest industry rates allowing us to be highly competitive and find your best rate finance.
Easy
We do the running around for you in comparing finance options and rates from over 60 lenders.
Fast approvals
We work hard to get your loan approved fast. Same day approvals are available - ask us how!
Flexible terms
We find and compare loan options that best suits your needs and budget with flexible 1-7 year terms available.

What Our Clients Say

mark rollasonmark rollason
05:02 15 Jul 24
Great help and understanding from Kathy Brain hope you have more employees like her . And if any one needs a loan I'll send them to her. Thank you 😊
WhiptronWhiptron
02:51 15 Jul 24
Had a really great experience with Brock.Was very quick to get loan sorted and he made the process very easy
Gordon BrownGordon Brown
05:50 12 Jul 24
Kathy was absolutely fantastic and so helpful. I would highly recommend with no hesitation .
James DuttonJames Dutton
02:54 12 Jul 24
Wow!!! What a team. Special Praise to Scott though. He made the whole transaction seamless and his empathy towards getting me the best rate was nothing short of exceptional.Give them a go!!! You will not be disappointed.
anne whealinganne whealing
05:01 11 Jul 24
Will was wonderful. Made the process of getting loan easy. Kept myself and seller in the loop. This is my second finance with 360.It took the stress away and made the process simple. It nice to share a laugh with my bean counter also. Thanks again Will!
Eleanora MesinzovaEleanora Mesinzova
00:32 10 Jul 24
From start to finish Kathy has been an absolute super start. Her friendly demeanour, hard working ethic and her above and beyond approach made a first time experience such a positive one. I cannot sing praises for her enough. Kathy made the whole process smooth and easy for me as a first time loan applicant and car buyer. She has a great knowledge of the industry and did not hesitate to answer my questions or reassure me when there was unease. I wish I could give more stars. Thank you so much for all your hard work and efforts, truly,from one appreciative customer.
Fiona ShannonFiona Shannon
02:43 06 Jul 24
This was our second time using 360 finance for a new car purchase. Kathy made it an easy process and kept us updated along the way. She took the time to understand our needs and met our budget requirements. We would definitely recommend 360 Finance!
Margaret WattsMargaret Watts
02:19 05 Jul 24
I was fortunate to have Alex help me, he was fantastic, he was very helpful, and patient, he explained and guided me step by step through the whole process of applying for loan. Alex was approachable,, friendly, and respectful, he was always in contact. I am so very grateful for all that Alex did for me. I would highly recommend him to anyone for his financial advice and experience.
Neville MansonNeville Manson
05:08 03 Apr 24
This is the 4th car loan where l have contacted Brock @360 finance.Brock is Awsome great communicator, friendly, professional & very helpful.I would highly recommend Brock if you are in need of a loan.NevillePortland Vic
mark armitagemark armitage
22:34 02 Apr 24
Swift communication, easy online process and very responses service provided by Killian would highly recommended them forAll financial requirements
Elisabeth Fekonia - Permaculture RealfoodElisabeth Fekonia - Permaculture Realfood
05:07 02 Apr 24
Easy to contact and get great service from Brock
M RM R
06:36 31 Mar 24
I gave up on Banks when they wanted your life story 360 Finance made it possible to buy my 4x4 plus dream caravan all under budget just be honest William the man found great deals for me he knew what I wanted and back me 150% he's your PA man! Onto it man! True story while I was out bush no signal he just cover all basic like finding the lowest interests insurance unbelievable price his services & patience is on point absolutely brilliant Thank you William
Connor WelshConnor Welsh
21:01 28 Mar 24
William was extremely helpful throughout the whole process
Precision PrecastPrecision Precast
00:11 28 Mar 24
Kathy from 360 Finance has made the experience of getting finance for my truck for my bussiness the most simple and carefree experience i have ever had. she was extremely professional and handled every situation from our first conversation till the very end. I highly recommend her if finance is what u are after.Thank you for all your hard work Kathy
Tracey WatsonTracey Watson
06:08 25 Mar 24
Dealing with William has been an absolute pleasure. He talked me through every single step, making sure I understood completely. As a result, he was able to get me a loan and insurance in just a few short days. I would 100% go back to him in the future. Can’t wait to pick up my new Nissan X-Trail.
Leah HarrisLeah Harris
21:14 22 Mar 24
Ben was so fantastic through the whole process. Just when I thought about giving up on getting a car he made my new car dreams come true!His communication was clear and was available for any questions I had at times that suited me. The process of buying the car was so quick. He settled my car purchase In only a couple of hours.I cannot recommend him enough.
Claudia KargboClaudia Kargbo
07:32 21 Mar 24
Kathy you are amazing 🤩!This was the most smoothest process I have ever gone through. Kathy was attentive and kept updating me through out The whole procedure. I had so much confidence knowing she was looking for the best deal possible for me.360 finance were easy to get in touch with, I didn’t have to wait days for an outcome or stay on hold for hours to talk to finance broker. I would highly recommend 360 Finance if you’re looking for a reliable, fast and genuine finance broker.Thank you so much Kathy and 360 finance.Best service ever 😊
Zoe YearkZoe Yeark
04:42 12 Mar 24
Killian has helped me get out of my old beat up car into my brand new car, he was easy to talk to, communicated with us every step of the way, he made the process easy for us from start to finish. Thank you Killian, I will be definitely recommending you to anyone I know looking for their dream car.
js_loader

Calculators

Calculators and rates

At today's lowest caravan finance rate of 6.24%
(Comparison rate 7.7%) you'll pay approximately...

$ per *

At today's lowest caravan finance rate of 6.24%
(Comparison rate 7.7%) you can borrow approximately...

$*

Protect against the unexpected

SAVE UP TO 20% OFFInsurances and Warranty

Caravan Loan FAQ's

What are the benefits of a caravan loan?

One of the major benefits of a caravan loan is the ability to purchase a caravan (or other recreational vehicles such as a motorhome, camper trailer or toy hauler) immediately and pay it off over time.

With a caravan loan you could head away in a caravan that you may otherwise not be able to afford with just your savings alone.

Like any lending product, if you correctly manage your caravan loan and repay it on time – consistently, it can have a positive impact on your future loan requirements by demonstrating to leaders that you are a reliable and lower risk customer.

A caravan loan may also assist in building up a positive Credit Profile and Credit Score. Maintaining a good Credit Profile, can be of great benefit when it comes to purchasing other assets such as a car, home, boat or even equipment.

How do caravan loans work?

A caravan loan is a type of loan used for the specific purpose of buying a new or used caravan including camper trailers and toy haulers (often referred to as a “secured caravan loan”).

When you take out a caravan loan, you borrow an agreed amount of money (loan amount) from a financier (lender) for a set period of time (loan term) that you agree to repay in weekly, fortnightly or monthly repayments.

Loan repayments are calculated based on paying back the amount borrowed, interest payable on the loan and any fees charged for setting up the loan. The interest rate you pay is largely determined by the lender based and on a number of factors such as the age and value of the caravan you are buying, the lenders specific criteria; and your credit profile/credit score.

Caravan Finance is generally available as either a secured loan or unsecured loan. Which one will depend on if you agree to use the caravan as security on the loan or not (which is a very common arrangement).

If you do put your caravan up as security on the loan, it reduces the risk to the lender in the event you are unable to meet your repayments or financial commitments of the loan. This reduced risk to the lender often means they can offer a lower interest rate or more favourable terms. A 'Secured Caravan Loan' generally is only available up to the value of the caravan.

An Unsecured Caravan Loan however, does not use the caravan as security, and therefore the risk to the lender is greater and the interest rate often is higher.

What is the maximum or minimum I can borrow?

There is no ‘absolute' limit for how much you can borrow with a caravan loan. Each financier (or lender) has different minimum and maximum loan amounts, but mostly the loan limit is determined on a case-by-case basis depending on your choice of caravan, the type of loan and your personal financial circumstances.

As a general guide, many Australian lenders have a minimum borrowing amount of $5,000 or $10,000.

In some cases, you may not be able to borrow the full amount of the caravans purchase price, but will be required to provide a portion of the caravans purchase price via a deposit (or down payment). For Secured Caravan Loans, you generally cannot borrow more than the total value of the asset used as security on the loan.

How do I take out Caravan Finance?

The first stage of the caravan loan process is to find out how much you can borrow, what you can afford and if this amount is enough to purchase your dream caravan. An online Caravan Finance Calculator can give you a quick idea of what your caravan loan repayments might be; or how much you may be able to borrow based on your weekly budget.

The next step is to contact a Finance Specialist who will quickly assess your basic information and financial circumstances before guiding you through the loan process to receive caravan finance pre-approval.

Once you are happy with the proposed loan structure (term, amount, interest rate etc) your application will be submitted to the selected leader for Settlement of the Loan. When the loan ‘Settles’ the money will be transferred to the caravan seller (private or dealership) and the caravan, camper trailer or toy hauler is yours - and away you go!

Useful articles

How to save on your car loan

If you’ve applied for a 360 Finance car loan, you may want to find ways you can save on the total costs in the long term, or... Read More.
How much should you save for a car loan deposit?

With numerous costs and fees involved with a car loan, you may be wondering whether you need a deposit, and how much that deposit should be ... Read More.
6 ways to lower your debt

If you’re planning on buying a new car, something you should first consider is your existing debt  When getting a car... Read More.
10 commandments of building an emergency fund

When it comes to financing, you want to feel secure enough that if something unexpected crops up, you have the money to deal with it, without taking... Read More.
How does car loan interest work?

When taking out a car loan, as well as making regular repayments to pay off the loan amount, you also need to pay interest on the... Read More.
Everything you need to know about business car loans

If you’re looking to invest in vehicles for your business, there are numerous options for business car loans These include a chattel mortgage, hire purchase, lease,... Read More.
An easy-to-understand guide to novated leasing

When buying a vehicle, there are several financing options to help you afford the vehicle you need Car loans can be a good... Read More.
5 things to know about car loans before applying

Car loans can be a great option for people who need help buying the car they need It offers a more affordable way of purchasing a vehicle... Read More.
Top 10 caravan gadgets and upgrades

With international trips on hold for a while, there has never been a better time to explore our backyard  Australia is well known for... Read More.
What is a car loan comparison rate?

There can be numerous rates involved with a car loan, and it’s important to know what each of them cover, to ensure you can get the... Read More.
Calculating your car loan repayments

360 Finance Calculating your car loan repayments For those who don’t have the necessary finances to buy a car outright, car... Read More.
How to get the best interest rate for car finance

With any type of financing, you want to ensure you get the best possible deal Finding a car loan with a lower interest rate is no... Read More.
How to get a personal loan if I have a bad credit score

If you’ve missed payments on your credit card, bills, mortgage or any other type of debt, you may have a bad credit score  A... Read More.
Understanding your car loan repayments

Car loans are a great option for those wanting to buy a vehicle but unable to afford one without financial assistance  Applying for a... Read More.
Instant asset write-off

The recently released Federal Budget has provided much-needed relief to Australian businesses with an extension to the Instant Asset Write Off Scheme As revealed... Read More.
Financial ABC’s of Coping with COVID-19

360 Finance is committed to being the finance & insurance specialists you know and trust  We’ve been there for our customers through some of... Read More.
Our Women

What does International Women’s Day mean to you? For some, it means celebrating the achievements of women and the progress that has been made to reduce... Read More.
Your Roadmap to Financial Freedom

Imagine living how you want to without worrying about the financial expense Imagine having enough money to fund the lifestyle you desire Imagine being able to live... Read More.
How to Achieve Your Financial Goals This New Year

The start of the new year is relished by most of us because it’s the perfect opportunity to set some New Year’s Resolutions It’s the time to... Read More.
5 Steps To Take Before Applying For Finance

Taking out a loan for a car can seem like a daunting task You’re probably wondering what steps to take before applying for finance, so that you can purchase ... Read More.

Some of our lenders: