Australia's Money Matchmaker™

Compare caravan loan rates in 60 seconds

  • Comparison rates from 4.99% p.a*
  • No credit score impact
  • Offers across 60 Australian lenders
Australia's Money Matchmaker matching you with your best loans across multiple lenders
My matching process checks multiple lender rates at once, making it super fast to shop around.

Why Money Matchmaker™

Money Matchmaker puts you in control of your loan choices
You're in Control

No obligations, just the facts, make an informed choice

Money Matchmaker saves you time looking for your loan
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Get matched with real loan offers from up 60 lenders

Money Matchmaker shows you personal loan rates unique to you
It's Personal

The rates are based on who you are and where you are at in life

“Super quick, I got lots of offers. All I had to do was choose which one! I went with Wisr because they were the cheapest. Thanks” - Angela

Getting a caravan loan

Written by

Shaun McGowan

A caravan loan is similar to getting a car loan, which can mean;

  • Lower, fixed rates
  • Flexible terms and repayment options
  • No deposit required
  • Simple and quick approvals

What should I look for when comparing options?

Always shop around and compare multiple options before committing to a loan.

There are a few things you’ll want to look at:

  • Borrowing amount- the amount of money you can get approved for
  • Interest rates - the standard, ongoing charge for borrowing money
  • Loan terms - how long you can borrow the money for. A longer term means cheaper repayments but more overall interest.
  • Fees - the most common cost that can be avoided!

While we’re talking about fees, there are four types you should be aware of. Some of these are one-off fees, while others may cause ongoing costs or complications down the line!

Caravan loan fees include:

  • Upfront costs - establishment fees and application fees
  • Ongoing fees - annual fees and monthly fees
  • Late payment fees - charged if you miss a payment
  • Extra repayment fees - charged if you make early repayments to reduce the amount of interest payable on the principal amount.

What lenders are looking for

Lenders love boring, or should we say, consistency!

They love it if you've had the same job forever and have been at the same house since you first left home.

Here's an example of how your employment history can influence your approval.

employment history applicant

How lenders view credit history

Here is how your credit history can influence your ability to be approved.

credit history applicant

Find the best deal on caravan loans


Am I eligible?

You can apply for a caravan loan in Australia if you are:

  • Over the age of 18; and
  • An Australian citizen or permanent resident; and
  • Employed or have a regular source of income over $25,000 per year

If you meet the basic eligibility for a caravan loan, you will then need to compare lenders and assess their individual approval criteria.

Lenders like stability, find out what that means with Money Matchmaker

Am I eligible?

You can apply for a caravan loan in Australia if you are:

  • Over the age of 18; and
  • An Australian citizen or permanent resident; and
  • Employed or have a regular source of income over $25,000 per year

If you meet the basic eligibility for a caravan loan, you will then need to compare lenders and assess their individual approval criteria.

Find a Caravan Loan with Money Matchmaker

Shop around before you buy

Just like you shop around for your caravan, be sure to do the same with the finance, you’ll have a better chance of negotiating if you know:

  • Exactly how much you can spend
  • The best interest rate you can get
  • How much your repayments will be

Here are the most popular questions people are asking about caravan, motorhome, camper trailer, RV loans

Can I get my caravan, motorhome, or RV loan pre-approved?

Yes, most lenders offer pre-approval for vehicle loans. Pre-approval is usually valid for one to three months so you’ll have plenty of time to find a caravan, motorhome or RV.

What if I have bad credit?

You may be able to get a caravan, motorhome, RV loan if you have bad credit but you may be charged higher interest rates.

Can I buy a caravan from a private seller using a loan?

Yes you certainly can. We all know you’ll get a better deal on the price, just make sure you get the caravan fully checked out by an independent party.

How much can I borrow?

Typically you can borrow up to $75,000. The average is around $35,000.

What is the loan term?

Loan terms range from 1-7 years. Longer terms will reduce your committed repayments. Find a lender who allows you to make extra repayments and pay your loan out early with no fees.

Meet Money Matchmaker™

"Hey I’m Money Matchmaker™, I have a team of wizards making me super smart. When you take my quiz, I use your answers to check against all our lenders at once. I’m harmless, I don’t impact your credit score and I'll use the information to help my team of loan experts find you all the loans you're eligible for."

Money Matchmaker

The right caravan loan can save you $1,000s


About the Author

Shaun McGowan from



Shaun McGowan

Shaun is the founder of and is determined to help people pay as little as possible for financial products. Through education and building world class technology. Previously Shaun co-founded and Lend.

*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $10,000 over 3 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.


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Money Pty Ltd (trading as provides information about credit products and is authorised to do so as the holder of Australian Credit Licence 528698. does not compare every Lender in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via the website, you are not applying with us, you are applying directly with a Lender Partner. Before entering into any credit product from one of our Lender Partners, you should confirm the rates and product information with the Lender. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice.