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Caravan Loans - We'll Give You a Fair Go!
If you're seeking affordable caravan finance, Money3 will give you a fair go1.
Our fair lending criteria means that we could help you whether you have a bad credit history, are receiving Centrelink benefits, or have had trouble getting caravan loans in the past1. We'll look at your current finances, what your income and expenses are, and what weekly or monthly repayments you can afford when assessing your caravan loan application with us. Check out our Caravan Loan Calculator to get an idea of what your repayments might look like.
To begin your application for caravan finance, complete the form above to let us know what loan amount you want pre-approval for. As you go through the application process, you'll be prompted to provide information about your income and expenses, so we can determine what level of caravan finance you can comfortably afford to repay.
Based on the information you provide us with, we could provide you with a competitive caravan loan pre-approval offer1. With pre-approval in hand, you'll be able to shop for a new or used caravan with confidence that you can afford to secure it with a loan.
You may also want to check out some other leisure vehicle loans such as campervans, boats or jet skis.
Get Pre-Approved for Caravan Finance with Money3
Whether you have a specific caravan purchase already in mind or want to find out what new caravans you can afford, it's good to get your application in with us. With Money3, you could get pre-approval for up to $75,0001 to secure your dream caravan.
At Money3, we can offer finance for multiple types of travel/holiday vehicles, including RV finance, motorhome finance, and more. You can use Money3 secured vehicle loans to access:
- Caravans
- Motorhomes
- Campervans
- 4WD Campers
- Camper Trailers
- RV - Recreational Vehicles
1. Subject to verification, suitability and affordability
Money3 Caravan Loan Features
Applying for a caravan loan with Money3 is a transparent and stress-free process from start to finish.
We don't hit our customers with any hidden fees or charges - every aspect of the loan contract is available for you to review upfront. Our consumer loan products offer a flexible payment structure with minimal monthly account keeping fees.
- Caravan Loans up to $75,000
- Transparent Fees and Charges
- Flexible Loan Options to Suit Your Needs
- Easy Repayments by Direct Debit
- Affordable and Flexible Repayments
- No Early Termination Fees
- Loan Redraws may be Available1
Our secured loans range between $2,000 and $75,000. With clear upfront ongoing fees and flexible loan terms, Money3 gives you an affordable way to finance your caravan purchase. Go on your dream caravan holiday with a loan from Money3 today.
1. Subject to verification, suitability and affordability
Why Choose Money3?
Get a Fair Go
At Money3, we believe that everyone deserves a fair go at obtaining finance. Whether you have a poor credit history or are on Centrelink payments, you could get a caravan loan with Money3. We consider your financial needs and circumstances thoroughly when determining your loan eligibility.
Flexible Loans and Lending Terms
If you’ve been rejected by major lenders before, you may get a second chance with Money3. Our flexible finance approach means we can tailor a loan to your personal lending profile.
5-Star Customer Service
We pride ourselves on providing you with 5-star customer service. Our team is friendly, knowledgeable and attentive. You’re always welcome to speak to a finance specialist at Money3 to clarify any questions you may have about our loan.
Fast and Friendly Application
At Money3, we make loan applications quick and easy with our online process. Same day approvals are also possible1. While applying online, your finance package including loan terms range, repayment amount, and repayment frequency will be adjusted to suit your circumstances1.
Many Loans to Choose From
We provide a wide selection of automotive financial services, including car, caravan RV, and camper trailer finance. As one of Australia’s most trusted lenders, you can rely on us to provide you with a helpful loan, no matter which you choose.
Reliable Lenders You Can Trust
Money3 is a major lender in Australia and has a proven track record of positive reviews and high ratings. You can trust us to provide you with transparent, tailored and reliable loans for new and used vehicles.
1. Subject to verification, suitability and affordability
Example Caravan Loans Costs Chart
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $1,909 | $6,909 |
| 24 months at 13.95% APR & 34.16% Comparison Rate | ||
| $10,000 | $6,925 | $16,925 |
| 48 months at 13.95% APR & 29.11% Comparison Rate | ||
| $25,000 | $14,850 | $39,850 |
| 60 months at 13.95% APR & 20.38% Comparison Rate | ||
| $50,000 | $30,285 | $80,285 |
| 72 months at 13.95% APR & 17.23% Comparison Rate | ||
| $75,000 | $42,219 | $117,219 |
| 72 months at 13.95% APR & 16.15% Comparison Rate | ||
EXAMPLE: A platinum secured personal loan of $5,000 for 24 months has fees and charges totalling $1,935.15 and a total repayment of $6,935.15. The Minimum loan term is 24 months and the Maximum term 24 months. The loan term will be 24 months, 52 fortnights or 104 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 34.58%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $14,850.43 and a total repayment of $39,850.43. The Minimum loan term is 24 months and the Maximum term 60 months. The term will be 60 months if you repay monthly, 130 fortnights or 260 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 20.38%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Please Note: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 389067.
Caravan Finance FAQs
You could finance a caravan by applying for a secured loan with Money3. Money3 offers caravan finance of up to $75,000, even if you have poor credit history or are on Centrelink income*, your application will be considered1.
Yes, we do. Whether you're seeking a new or used caravan, Money3 can provide you with a competitive caravan loan of up to $75,0001.
Yes we do. We'll look at your financial situation holistically and give you a fair go, even if you have had a bad credit score in the past or a portion of your income comes from Centrelink*. We will endeavour to make sure your weekly, fortnightly, or monthly loan repayments are affordable based on your current financial circumstances.
No you don't. Deposits are not necessary, however, if you have a deposit, it could be used towards the cost of your next caravan. It can also mean reduced caravan loan repayments since you won’t be borrowing as much to purchase the same vehicle.
Caravan finance works by a lender determining what you can afford to borrow based on your income, expenses, and other factors (such as your credit history). You can then get pre-approval for a pre-approved loan amount and begin searching for a caravan up to that value.
If the vehicle you select is approved by the lender, they will pay the dealership (or private seller) on your behalf, so you can secure the caravan. You will then need to make a regular weekly, fortnightly, or monthly repayment until you pay back the principal + interest.
The total amount you end up paying will be determined by the loan's interest rate and its monthly fees or other loan charges. The fees and charges different lenders have can make it difficult to know which type of finance is most affordable for you, and this is why you should pay attention to the comparison rate when you're shopping around for a caravan loan.
You can apply for a secured loan the same as you would with any other type of finance. The only difference is how the lender guarantees the loan. With a secured loan, you are required to put up collateral against the amount you are borrowing, agreeing that the lender technically has ownership of the vehicle until the loan has been fully repaid.
In this case of a secured caravan loan, the vehicle you are buying acts as collateral.
Our secured loans are available from $2,000 all the way up to $75,000. However, the amount you could borrow would depend on how much you could afford to repay. Because Money3 is a responsible lender, we won't be able to provide you with a caravan loan if you can't afford to make the minimum repayment. We endeavour to offer flexible repayments that allow you to manage your caravan loan without experiencing financial difficulty.
Money3 is a responsible lender regulated by ASIC. Our Australian Credit Licence is 389067.
The cost of financing a caravan depends on your loan amount, the lender or finance brokers you work with, and the type of loan you apply for (secured loan versus unsecured loan).
You can use Money3’s caravan finance calculator to determine how much your caravan finance may be and the potential caravan loan repayments you will need to make.
Our caravan loans are secured loans, and so they are secured against the vehicle you are purchasing. We will pay the dealer or seller directly as part of the terms of the loan.
When you apply online, providing we have all the details we need, we should be able to give you your pre-approval within 24 hours. Once you have your pre-approval, you'll be able to start searching for your next caravan. When you have found your next caravan, and it is affordable for you, we'll work with you (and the seller) to get your loan funded ASAP, which generally takes around 24 hours in most cases.
At Money3, we offer secured caravan loans, meaning that the amount you borrow is secured against the vehicle. We do not offer unsecured loans for caravan finance.
Secured loans generally have a lower interest rate than unsecured or personal loans as there is less risk for the lender. As the loan is secured, it often means the lender is willing to overlook credit problems in the past and even to offer larger loan amounts in some cases, depending on affordability. Adding a deposit, while not required for a secured loan can also assist with getting your loan pre-approved.
At Money3, we don't charge any early termination fees, so there's no disadvantage to paying back your loan early if you wish. If you would like, you can organise to make additional repayments on top of your regular monthly repayments so that you can pay back your loan sooner.
Money3 could provide you with a secured loan for a caravan or motorhome from $2,000 up to $75,0001. Provide us with basic information about your income and expenses, and submit your loan application. Before you know it, Money3 could help you secure your own caravan or motorhome to use on your next holiday or weekend getaway.
You Must:
- Be Over 18 Years Old
- Have Take Home Income or Benefits over $480 a Week1
- Be an Australian Resident
- Get Your Income Paid into Your Bank Account
- Be Employed or Receiving Centrelink payments1
Because most major banks and non-bank lenders have strict lending criteria, it can be difficult to secure caravan finance from them if you have a history of financial difficulty, have a low income, or receive Centrelink benefits. At Money3, we'll give you a fair go and will take your financial situation into account when assessing your loan application.
To qualify, you must:
- Be Over 18 Years Old
- Have Take Home Income or Benefits over {{min_weekly_income}} a Week1
- Be an Australian Resident
- Get Your Income Paid into Your Bank Account
- Be Employed or Receiving Centrelink payments1
1. Subject to verification, suitability and affordability
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments
More Loan Options
Vehicle Finance
Money3 offers finance for all type of vehicles, from cars and motorbikes to caravans and boats. We believe in giving everyone a fair go, when reviewing your application for finance with us.
Trailer Finance
Get finance up to $75,000 towards your ideal trailer, such as camper trailers, car trailers and horse floats. You could qualify even with a poor credit score or are on Centrelink payments*.
Pensioner Car Finance
If you are on a pension such as disability or Centrelink*, you may be eligible for a pensioner car loan with Money3.
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments
