MFAA Member · ACL 389328 · Marine + RV Specialists

Caravan Loan — Caravan loans, Australia-wide.

New, used, motorhomes, camper-trailers. Off-road, family, luxury. Marine + RV finance specialists on panel. 5-10 year terms typical. Same-day decisions on most files.

Caravan types

5-10yr

Term typical

10+

RV specialists

$15k-$200k

Typical loan size

Broker fee

Caravan + RV types

What we finance.

New caravans

Off-road, family, luxury

Brand-new caravans from major dealers. Lower rate, longer term available, manufacturer-warranty coverage.

Lower rate vs used
Up to 10yr terms
Dealer settlement

Suited to: New caravan purchase

Used caravans

Up to 15yr old typical

Used caravans up to 15 years old at settlement. Some specialist lenders accept older. PPSR check on every private-sale unit.

Up to 15yr old
Private sale supported
PPSR check included

Suited to: Used purchase from dealer or private

Motorhomes

Self-propelled RVs

Class A, B, C motorhomes. Higher value typically. Specialist lender appetite — not every caravan lender does motorhomes.

Class A-C
Higher loan size
Specialist lenders

Suited to: Touring + lifestyle motorhomers

Camper trailers

Off-road + soft-top

Camper trailers, soft-top campers, slide-on campers. Lower loan size + simpler approval typically.

Off-road + soft-top
Lower loan size
Faster approval

Suited to: Weekend campers + off-roaders

Marine + RV specialists.

Not every car-loan lender does caravan finance. We work with the panel that specialises in RV + marine — longer terms, larger loan sizes, motorhome appetite.

Private sale supported.

Many caravans sell privately on platforms like RV Trader + Gumtree. We coordinate PPSR check + private-sale settlement so you can buy from any seller.

Personal or business.

Personal-use caravan (standard loan). Business-use (e.g. tourism rental fleet) — chattel mortgage with tax benefits.

From first call to settlement

Easier than you'd think.

Send caravan details

Make, model, year, price, dealer or private, personal or ABN.

We compare RV specialists

Rate, term, balloon options, age caps, motorhome appetite.

Submit + approve

Most approvals 24-48h. Motorhomes can take longer due to valuation.

Settle + tour

Funds to dealer or private seller via PPSR-cleared settlement.

Frequently asked questions.

What's the maximum loan term on a caravan?

Most lenders offer 5-10 year terms on caravans. Some specialist RV lenders extend to 15 years on new motorhomes. Used caravans typically capped at 5-7 years to match the asset's useful life.

Can I finance a private-sale caravan?

Yes — most caravan lenders accept private sales. The lender will require a PPSR check to verify no existing security on the unit, and may require an independent valuation for higher-value purchases.

What's the difference between a caravan loan and a motorhome loan?

Same lender structures, but motorhomes are usually higher value and the lender panel narrows (fewer lenders want $200k+ exposures on self-propelled RVs). Some lenders also classify motorhomes as motor vehicles (subject to vehicle rules) while caravans are non-motorised assets.

Can I get a chattel mortgage on a caravan?

Yes — if you have an ABN with genuine business use (e.g. running a tourism rental, mobile-business setup). Interest + depreciation tax-deductible.

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Mon–Fri 9am–5pm. Real broker, real conversation, no call-centre.

08 8121 3076

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