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 20 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 20 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.

Calculators

Calculators and rates

At today's lowest caravan finance rate of 5.19%
(Comparison rate 6.35%) you'll pay approximately...

$ per *

At today's lowest caravan finance rate of 5.19%
(Comparison rate 6.35%) 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!

Our customers & people

"Excellent service. Ian from 360 Finance was great to deal with and we were kept in the loop at all times. No problem recommending 360 to anyone."
Gary M, Brogo, NSW
"One word - Excellence! Big thanks to Leanne for her outstanding effort in helping me get my new car. She went out of her way to answer all my silly questions in easy Laymens terms!"
Warren H, Queensland
"Living life upgraded. Second purchase with 360 Finance!"
Sue G, Queensland
"So in love with my new car thanks to John at 360 Finance. I'm so happy with my Honda Civic RS Turbo. 360 Finance were great and totally recommend them. So a big thank you again."
April G, Queensland
"Thank you 360 Finance for all your help. Finance has allowed my family to buy a brand new family caravan to travel this amazing country. #lifeupgraded "
Craig P, Queensland
"Thank you 360 Finance for another successful purchase with low interest and fantastic service!!!!"
Michelle W, Queensland
"New Car! Toyota Prado. Life Upgraded!"
Emilie D., New South Wales
"Here’s a pic of my new ride all washed up - I had a blast on my new stead. Thanks Leanne and 360."
Nathan S, Victoria
"Thanks 360! I was blown away by the low rate finance and insurance I got compared to what I could find myself."
Karyn E, Northern Territory
"The kids are loving their new Taxi! Cheers Kyle and 360 Finance."
Lauren M, New South Wales
"We can’t wait for adventures in our new camper van, making memories with our two beautiful girls. Thanks 360!"
Skye C, South Australia
"Kim at 360 got me my Ute, Jetski and now a Mustang! She is a champ at her job and was very helpful. "
Chris R, Queensland
"Thank you Kevin at 360 for assisting us with our new car finance. Fast and easily approved."
Rhea P, South Australia

Useful articles

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.
The Not So Grey Nomads

ARE CARAVAN AND CAMPING HOLIDAYS STILL A PASTIME RESERVED FOR THE GREY NOMADS? New research has brought light to the misconception that camping and caravan holidays ... Read More.
6 Must Do Motorbike Road Trips in Australia

From coastal adventures to mountain road journeys that cut through the heart of Australia A road trip is one of the best ways to experience this country’s extraordinary array ... Read More.
Australia’s Top 10 Selling Cars in 2019

The vehicle landscape in Australia has seen a significant shift in buying habits over the last 12 months, most notably with SUV sales continuing to overtake passenger ... Read More.
Top Tips for Buying a Boat

Looking to buy your first boat?  Are you a boat enthusiast, water sport nut or something in between?  Then check out our top tips for buying a boat and ... Read More.
$30,000 Instant Asset Write-off

According to Small Business research by American Express in 2018, 47% of Australian businesses were under-utlising the governments extended Instant Asset Write-off scheme The most likely reason was cited ... Read More.
Tips for getting an EOFY bargain

If you want to take advantage of the End of Financial Year bargains, then June is the ideal time as dealerships need to move as much stock as they ... Read More.
2019/2020 Outdoor & Leisure Calendar

If you are looking to make the most of the great Australian Outdoors, then we have THE list of outdoor events and expos near you to provide plenty of ... Read More.
Easter & ANZAC Day Hours

Easter weekend is nearly upon us and this year it is closely followed by ANZAC day!  Oh and it is School Holidays also! If you are planning to getaway for ... Read More.
Gumtree Cars

Gumtree Cars appoints Grant Denyer as ambassador, as it seeks to become the # 1 motors marketplace Former V8 supercar driver, and TV & radio personality, Grant ... Read More.
Top 5 ways to dispose of your unwanted car

Your car has become part of the family but you are starting to feel that she is also compromising the safety of your herd Get those insurance fraud thoughts ... Read More.
Australia Day Essentials 2019

Fantastic! Australia Day lands on a weekend meaning that we all get another long weekend this year to really embrace what our great country and its people have to ... Read More.
Cash Flow Funding for Business

The beginning of any new year often brings with it great motivation and enthusiasm for what can be achieved in the year ahead and to reach those end of ... Read More.
2018 Christmas/New Year Hours

It is getting close to that time of the year again when we all start looking forward to the Christmas & New Year Holidays This time of the year is ... Read More.
Recent fraudulent emails

IMPORTANT NOTICE: 360 Finance Pty Ltd is an Australian company that offers finance and insurance services in Australia only We’ve been made aware of some recent fraudulent emails posing as 360 ... Read More.
Welcome to our new website!

If you have visited us before, you may have noticed a few changes our new website, new logo and brand! On 16th October 2018, we launched this new website and ... Read More.
360 gets behind the ‘Fiver for a Farmer’ campaign

The entire team at 360 Finances’ Brisbane Head office had fun today getting behind the ‘Fiver for a Farmer’ drought relief campaign with a good old Aussie Morning ... Read More.
Our new extended opening hours

Extended hours to better serve our customers 360 Finance is pleased to announce that as of Monday 20th August, we will be extending our opening hours during ... Read More.
What is a Toy Hauler Caravan?

Every weekend in Australia from summer to winter, all manner of outdoor, sports and adventure loving enthusiasts head off to enjoy the great outdoors  From dirt bike, Quad and ... Read More.
Is Caravanning part of your 2018 plan

If caravanning is in your plans for 2018, then we have the guide to help you research the best options available to suit your budget and travel style.  We... Read More.

Some of our lenders: