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About Our Low Rate RV & Caravan Loans

Caravan, RV, Motor Homes, Camper Vans, & Trailer loans are similar to personal loans but are often a lower interest rate because the loan is secured by a financial interest in the motor vehicle you purchase. These secured loans are also available for boats, trucks, motorcycles etc. Scroll down to view the various finance options to buy your next caravan.

Our staff helps Aussie customers find the most suitable loan, for cars, boats, motorbikes, or any other worthwhile purchase. With access to a wide variety of banks and finance lenders we compare the best finance options available to you through our large panel of Australian lenders. Let our staff help you!

If you are self employed, we speak your language. If you’re caravan will be used for business use we help business customers secure a chattel mortgage, hire purchase, or novated caravan lease. Our Finance Centre staff our experienced with helping small business.

Not only do we compare caravan loans, but we also offer flexible finance products for business, caravan leasing, and bad credit customers

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Which is the best caravan loan for you?

Is your caravan going to be all work? or all play? Or a bit of both? We have a variety of flexible options and products to suit your caravan finance requirements.

Caravan Loan - Secured Finance

This is a secured loan available for a new or used caravan. The loan is secured by financial interest over the motor vehicle and is usually a lower interest rate than an unsecured loan.

Chattel Mortgage

This is the most popular caravan loan for business.  If the vehicle is used predominantly for business use a Chattel Mortgage will preserve cash flow and provide tax savings.

Personal Loan

A personal loan is unsecured, meaning the money borrowed can be used for any purpose. You may want to consolidate all your credit card debt, or need money for a holiday, renovations, or even cosmetic surgery. The loan is yours and the money can be used for leisure. A personal loan can even be used for a car, boat or bike, however being unsecured the interest rates are not as low as a secured loan.

Caravan Lease / Novated Leasing

A Caravan Lease or salary sacrificing Novated Lease can help you and your employer save on tax and gain all the benefits of a business caravan. Our staff are finance experts and can put together a lease package to suit your requirements.

Get finance for whatever you need now

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Features of Caravan Loan

A Caravan Loan is a secured finance option and often allows lower interest rates and other great features. But all loans are not created equal, and a caravan loan may not always be the best option. Personal loans have become a great option for some people to choose. The Finance Centre will help you choose the right loan option for your needs. Customers can trust our knowledge and experienced advice.

Dealer or Private Sale

Customers can buy privately or a dealer. Private sale vehicles will need to be formally inspected by an approved agent.


Apply now and get pre-approved finance allowing you to shop with confidence. Pre-approval means you will know how much you can afford to spend without worrying about the uncertainty of the credit assesment process.

How much can I you borrow?

Minimum loan is from $5000. With a maximum loan term of 7 years.

100% Funding on Loan

You can borrow up to the full purchase price of the vehicle plus any insurance premiums.

Caravan Loan - Eligibility

Finance Centre staff will help you through the steps to get your loan approved. Here are some of the important factors below. Contact us now to determine your eligibility.


Minimum age for all applicants is 18 years old, an Australia resident, and hold a current Australian drivers licence. When finalising the boat loan, applicants will need to provide various identification and income documents.


You must have a regular income and affordability. The lender assessment team will evaluate your income and expenses together with the loan commitments to determine and approve your loan.

Credit Rating

Even with a bad credit rating we have products that may help you get a 2nd chance. Interest rates are usually higher due to the added risk, however we will help you find finance options you can afford.

Frequently Asked Questions

The answers to the most frequently asked questions about our low interest rate caravan loans.

Minimum loan is $5000. Subject to credit assessment and affordabilty, you can borrow up to the full purchase price of the vehicle plus insurances.

Yes! If you are arranging to buy a caravan from a private sale for used cars, boats, trucks etc Finance Centre can still arrange a competitive caravan loan. Additional doumentation and vehicle inspection will be required by one of our approved inspectors.

We will find the most competitive options from our large panel of lenders available to suit you.

Low risk usually means low interest rate. Higher risk, higher interest rate. Most lenders consider some of the following to determine the lowest interest rate you can qualify for:

  • Your credit rating;
  • Your assets & liabilities;
  • Your credit history and previous loans of similar size;
  • Employment history & stability and affordability.

Contact our staff – we can help you with your application online or over the phone.

It costs nothing to apply, there is no application fee. If your loan application is approved Finance centre will then send you a formal letter with a detailed offer including complete breakdown of interest, charges, rates, and fees for you to consider. If you choose to proceed we can then process your loan and get you into your new caravan!

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Get a quote now. Our finance staff are ready to help you!