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 4.20%
(Comparison rate 5.28%) you'll pay approximately...

$ per *

At today's lowest caravan finance rate of 4.20%
(Comparison rate 5.28%) 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

Hello
"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
Hello
"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
Hello
"Living life upgraded. Second purchase with 360 Finance!"
Sue G, Queensland
Hello
"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
Hello
"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
Hello
"Thank you 360 Finance for another successful purchase with low interest and fantastic service!!!!"
Michelle W, Queensland
Hello
"New Car! Toyota Prado. Life Upgraded!"
Emilie D., New South Wales
Hello
"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
Hello
"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
Hello
"The kids are loving their new Taxi! Cheers Kyle and 360 Finance."
Lauren M, New South Wales
Hello
"We can’t wait for adventures in our new camper van, making memories with our two beautiful girls. Thanks 360!"
Skye C, South Australia
Hello
"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
Hello
"Thank you Kevin at 360 for assisting us with our new car finance. Fast and easily approved."
Rhea P, South Australia

Useful articles

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.
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

Please note that the information in this article is not current  To view the most up to date information on the Instant Asset Write-off, please visit this link  ... 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.
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.

Some of our lenders: