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Motorhome Finance
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RV & Motorhome finance
What better way to explore the stunning sights of Australia than with your own motorhome. With a home on wheels, you’ll have the freedom to go wherever you want.
Purchasing a motorhome is a big investment, and it can take years to save up to buy one outright, but thanks to the motorhome finance options available, you no longer need to wait to get the motorhome you want.
Motorhomes and recreational vehicles (RVs) have become increasingly popular as more and more people are turning towards road trips as the holiday of choice. And now you can purchase your dream motorhome through finance.
Before looking at motorhomes, it’s a good idea to first determine your budget and consider what type of motorhome you’re after. The type of motorhome you choose will impact your loan amount, and you can get finance for a range of motorhomes and RVs, whether new or used.
A finance calculator is a useful tool to work out what fits within your budget, giving you an idea of what your loan costs, interest rates and repayments may look like.
With the right finance you can buy the motorhome you want, and then pay it off over a set loan term. Your repayment frequency can be set as weekly, fortnightly or monthly, depending on what best suits your needs.
At 360 Finance, we offer:
For life and leisure, business or personal, we've got you covered in every situation
Low total cost of loan and low repayments
No deposit loans
Private, dealer, new, and used motorhomes & RVs
Balloon repayments to lower repayments
Motorhome Loan Frequently Asked Questions
What are the benefits a motorhome loan?
One of the major benefits of a motorhome loan is the ability to purchase a motorhome or recreational vehicle immediately and pay it off over time.
With a motorhome loan you could get into your dream motorhome that you may otherwise not be able to afford with just your savings alone.
Like any lending product, if you correctly manage your loan and repay it on time – consistently, it can have a positive impact on your future loan requirements by showing the leaders that you are a lower risk and reliable customer.
A motorhome 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 motorhome loans work?
A motorhome loan is a type of loan used for the specific purpose of buying a new or used motorhome. (often referred to as a “secured motorhome loan”).
When you take out a motorhome 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 motorhome you are buying, the lenders specific criteria; and your credit profile/credit score.
Motorhome Finance is generally available as either a secured loan or an unsecured loan. This will depend on if you agree to use the motorhome as security on the loan (which is a very common arrangement).
If you do put your motorhome 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. Generally, a secured loan is only available up to the value of the motorhome.
An Unsecured Motorhome Loan however, does not use the motorhome as security, and therefore the risk to the lender is greater and the interest rate often is higher
What are the minimum or maximum I can borrow with a motorhome loan?
There is no ‘set-in-stone’ limit for how much you can borrow with a motorhome loan. Each financier (or lender) has different minimum and maximum loan amounts, but mostly the limit is determined on a case-by-case basis depending on your choice of motorhome, 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 motorhomes purchase price, but will be required to provide a portion of the motorhome price via a deposit (or down payment). For Secured Motorhome Loans, you generally cannot borrow more than the total value of the asset used as security on the loan.
How do I take out a motorhome loan?
The first stage of the motorhome 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 motorhome. An online Motorhome Finance Calculator can give you a quick idea of what your motorhome 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 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 motorhome seller (private or dealership) and the motorhome is yours and away you go!
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Bring On the Road Trips!

"We still don't believe we have the Ranger! Neil from 360 was amazing from the beginning of the process to the end! Bring on family camping/road trips and memories with the kids!"
Family adventures start with the right vehicle. We help families secure the perfect vehicle for their lifestyle, whether it's a 4WD for camping trips, a van for family outings, or any vehicle that fits your family's needs and dreams.
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"Cheers to 360 Finance - we now have both our cruiser and our camper. Let the camping adventures begin!"
Adventure vehicles open up a world of possibilities. Whether it's a 4WD for off-road exploration or a camper for family adventures, we help you secure the vehicles that make your outdoor dreams a reality.
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