Caravan finance from 48+ Australian lenders.

Up to seven years is standard, matching a caravan’s long life and keeping repayments manageable on higher-value vans. Shorter terms cost less in total interest. Off-road vans, motorhomes and campers are all financed the same way, secured against the van.

Yes. Private-sale caravans need a PPSR check to confirm no money is owing, proof of the seller’s ownership, registration and usually an inspection, and the lender pays the seller directly. Most lenders finance vans up to about 15 to 20 years old at the end of the term.

Yes. Lenders assess retirees on superannuation, pension and investment income, and self-employed buyers on tax returns, notices of assessment or bank statements with some lenders. A clean credit file, a deposit and a sensible loan-to-income ratio help. A broker matches you to lenders that suit your income type.

Not usually. Dealer finance is convenient but is generally one lender’s product with a commission built in, and comparison rates can be well above what specialist leisure lenders and banks offer. Getting pre-approval through a broker before you visit the dealer lets you negotiate on the van rather than the finance.

Yes. Leisure asset lending is available for caravans, camper trailers, boats, jet skis, motorbikes and horse floats, secured against the asset itself. Because these are bought for private use, the loan is regulated consumer credit with responsible lending obligations and a comparison rate. Terms are commonly up to seven years, sometimes longer for larger caravans and boats. Lenders consider the asset's age and type as well as your income and existing commitments.

A leisure asset loan is a secured consumer loan where the boat, caravan, motorbike, jet ski or camper trailer is the security, which keeps the rate lower than an unsecured personal loan. Terms run from one to seven years, repayments are fixed, and a balloon can be set to lower the monthly cost. Lenders quote a comparison rate and assess affordability under responsible lending rules, and the asset must be insured for the term.

Leisure asset loans commonly range from $5,000 to $150,000 or more for large caravans and boats, with lenders financing up to the full purchase price for well-qualified borrowers and often including registration, insurance and accessories. The amount depends on your income and commitments under responsible lending rules and on the asset’s value. A deposit lowers the repayment and can improve the rate.

Yes. Private-sale boats, caravans and bikes are financed with a PPSR check to confirm no finance is owing, verification of the seller, and usually an inspection or valuation. Most lenders set an age limit at the end of the loan, which varies by asset type and is often longer for caravans than for jet skis. Allow a few extra days compared with a dealer purchase for the checks.

Yes. Lenders require comprehensive insurance on a secured leisure asset for the life of the loan, with the lender’s interest noted on the policy, and evidence is needed before settlement. Premiums can often be included in the amount financed. Your broker can point you to insurers who cover the asset type.

Conditional approval is often given within 24 to 48 hours of a complete application, with settlement to the dealer within a day or two of signing. Private sales take a few days longer for the PPSR check and inspection. If you are buying at a boat show or from a dealer with a deadline, tell your broker and approval can be arranged in advance.