Adventure ready caravan loans

We can finance a wide range of caravans - touring caravans, pop-tops, and more, whether new or used. Whether you're buying from a dealer or a private seller, there's likely a loan option to suit. If it's within the lender's guidelines, there's a good chance we can help.

It depends on the caravan you're buying, your income, your existing debts, and what you can comfortably afford to repay. Lenders will look at your full situation to work out a suitable loan amount. A deposit or a trade-in may increase how much you can borrow, or help you get a better rate. Subject to lender criteria and approval.

Your rate is personalised. It's based on things like your credit history, the loan details, and the security on the loan - if the caravan is used as security, that can mean a lower rate. You can see the current rate range in the Loan Information section below, and use the calculator to get a feel for repayments (a guide only until we assess your application).

Caravan loans usually have an establishment fee and an introducer fee. Some lenders also charge a PPSR fee or ongoing account fees. We'll spell out every fee before you go ahead, so there are no surprises. Full fee details, including a worked example, are in the Loan Information section below and in your loan contract.

Caravan loan terms typically range from one to ten years, depending on the lender and what suits your budget. A shorter term means less interest overall. A longer term lowers the repayments but usually costs more in total interest. The best option depends on your budget and how long you plan to keep the caravan.

It varies, but with all your information in, approval can be same-day. Once you're approved and everything's signed, funds are often available the same or next day, depending on the lender. Approval is subject to meeting lending criteria, and an affordability test applies.

Not always. Some lenders will finance up to 100% of the caravan's value, so no-deposit lending can be an option. A deposit isn't required, but putting one down can reduce how much you borrow and may help you get a better rate. Subject to lender criteria and approval.

Possibly. A less-than-perfect credit history doesn't automatically rule you out - we work with lenders who understand that past financial issues don't define your future. They look at your income and whether you can comfortably afford the repayments. Rates may be higher and the amount you can borrow may be lower. Keeping up with repayments can also help rebuild your credit over time. Subject to lender criteria and approval.

Yes. There's a strong market for second-hand caravans, and we can help finance used vans too. Eligibility depends on the lender's criteria for the caravan's age, condition and value. We'll let you know what's possible for the one you're looking at.

When you start an application, we run a soft credit check to size up your options - and a soft check doesn't affect your credit score. It's only if you go ahead with a lender, and they run a full credit check, that it's recorded on your credit file and may affect your score. Applying with several providers can mean several checks.

Yes, in most cases you can make early or lump-sum repayments, which can reduce the total interest you pay. Some lenders charge an early repayment fee, so it's worth checking your loan contract before you go ahead.

Get in touch with your lender as soon as you can - the earlier the better. Missing a repayment may mean fees and could affect your credit score, so keeping the lines open is the most important thing. Lenders can often work something out if they know early.

It can be either. With a secured loan, the lender registers a security interest over your caravan (recorded on the PPSR), which can mean a lower rate. An unsecured loan doesn't use the caravan as security, so the rate is usually higher. Which one suits you comes down to your situation - we'll talk you through it.

Yes. If your circumstances have changed, refinancing could help - for example, adjusting your repayments or reviewing your rate. It's worth being clear on what you want to achieve first, as refinancing can extend your loan term and savings aren't guaranteed. We can talk through whether it makes sense for you. Subject to approval and responsible lending checks.

Yes - being self-employed doesn't rule you out. Lenders will usually want to see proof of income, like bank statements or financial records, to understand what you can comfortably repay. We'll let you know what's needed.