Caravan Loans up to $50,000

  • We'll Give You a Fair Go!
  • All Recreational Vehicle Types OK
  • Centrelink Considered1
  • Bad Credit Considered1
  • No Deposit OK
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Current Loan Reviews

Caravan Finance with Money3 - Get a Fair Go

If you're seeking affordable caravan finance, Money3 will give you a fair go.

Our fair lending criteria means that we can help you whether you have bad credit history, are receiving Centrelink benefits, or have had trouble getting caravan loans in the past. 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.

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 $50,0001 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
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Caravan Loans up to $50,000

Example Caravan Loans Costs Chart

19.95% APR
25.00% APR
28.00% APR
Borrow Costs Repay
$5,000 $2,211 $7,211
24 Months at 19.95% APR & 35.97% Comparison Rate
$7,500 $3,316 $10,816
24 Months at 19.95% APR & 39.00% Comparison Rate
$10,000 $6,803 $16,803
36 Months at 19.95% APR & 38.18% Comparison Rate
$12,500 $8,252 $20,752
36 Months at 19.95% APR & 37.19% Comparison Rate
$15,000 $9,701 $24,701
36 Months at 19.95% APR & 36.53% Comparison Rate
Borrow Costs Repay
$5,000 $2,557 $7,557
24 Months at 25.00% APR & 44.43% Comparison Rate
$7,500 $3,835 $11,335
24 Months at 25.00% APR & 44.43% Comparison Rate
$10,000 $7,903 $17,903
36 Months at 25.00% APR & 43.47% Comparison Rate
$12,500 $9,627 $22,127
36 Months at 25.00% APR && 42.51% Comparison Rate
$15,000 $11,351 $26,351
36 Months at 25.00% APR & 41.87% Comparison Rate
Borrow Costs Repay
$5,000 $2,767 $7,767
24 Months at 28.00% APR & 47.66% Comparison Rate
$7,500 $4,150 $11,650
24 Months at 28.00% APR & 47.66% Comparison Rate
$10,000 $8,577 $18,577
36 Months at 28.00% APR & 46.62% Comparison Rate
$12,500 $10,469 $22,969
36 Months at 28.00% APR & 45.68% Comparison Rate
$15,000 $12,361 $27,361
36 Months at 28.00% APR & 45.05% Comparison Rate

The Money3 Difference

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 $50,000
  • Transparent Fees and Charges
  • Flexible Loan Options to Suit Your Needs1
  • Easy Repayments by Direct Debit
  • Affordable and Flexible Repayments
  • No Early Termination Fees
  • Loan Redraws Available

Our secured loans range between $2000 and $50,000. With clear upfront fees and flexible loan terms, Money3 gives you an affordable way to finance your caravan purchase.

Caravan Finance Common Questions

How to finance a caravan?

You could finance a caravan by applying for a secured loan with Money3. Money3 offers caravan finance of up to $50,000, even if you have poor credit history or are on Centrelink income1, your application will be considered.

Do you lend against used caravans?

Yes, we do. Whether you're seeking a new or used caravan, Money3 can provide you with a competitive caravan loan of up to $50,0001

Do you lend to people with poor credit history?

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.

Do I need a deposit before I apply for a caravan loan with Money3?

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.

How does caravan finance work?

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.

How do you get a secured 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.

What's the maximum loan amount I can borrow?

Our secured loans are available from 2,000 all the way up to $50,000. 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 389 782.

How much is caravan finance?

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 loan calculator to determine how much your caravan finance may be and the potential caravan loan repayments you will need to make.

Can my loan be paid in cash?

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.

How long will it take to get my next caravan?

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.

What kind of loan can I get for a caravan?

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.

Can I pay back my caravan loan early?

At Money3, we don't charge any early termination fee, so there's no disadvantage to paying back your loan early if you wish. If you would like, you can organise to make extra repayments on top of your regular monthly repayments so that you can pay back your loan sooner.

Can I get a loan for a caravan?

Money3 could provide you with a secured loan for a caravan from 2,000 up to $50,0001. 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 hotorhome to use on your next holiday or weekend getaway.

You Must:

  • Be Over 18 Years Old
  • Have Take Home Income or Benefits over $425 a Week1
  • Be an Australian Resident
  • Get Your Income Paid into Your Account
  • Be Employed or Receiving Centrelink payments1

Is it hard to get caravan finance?

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 $425 a Week1
  • Be an Australian Resident
  • Get Your Income Paid into Your Account
  • Be Employed or Receiving Centrelink payments1

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