Camper Financing Guidelines

Extended travel periods, regular family getaways or kinship with nomadic life – whatever your reasons, your camper financing solutions should fit in with your lifestyle. At iCREDIT, we offer leisure asset loans that accommodate not only your lifestyle and goals but meet your capacity in terms of affordability and structure (such as repayment term) needs.

Our Comparison Guidelines

When it comes to discussing your options, we want you to feel comfortable and confident – and most importantly – fully informed. Here are all the things you need to consider when preparing your financing solution and we would be happy to discuss these in detail with you when the time comes:

  • Overall loan repayment amount – it is important to know how much the total repayment will be including all considerations, fees, and interest
  • Interest rate – there are a number of factors that influence interest rates and we can discuss this during a consultation with you
  • Loan fees – we offer fiscally sound solutions at competitive rates, understanding any potential incurrences of costs is important
  • Loan term, i.e. the period of repayment – shorter repayment terms generally equal larger monthly payments and longer terms offer smaller instalments, although the end total may be higher due to interest and loan type
  • Repayment/instalment amounts as per the schedule – understanding your commitment and responsibility towards your loan repayment is key. From regular instalments to balloon payments, we will guide you through it all to determine the right balance for your circumstances
  • Affordability and budget – this must be considered when considering your financial obligations to repay the loan: is money available in your monthly budget to accommodate this? i.e. Are the repayments feasible and affordable for you?
  • Loan types – here we discuss the various options available to you in terms of loan structure, taxation, security and so on, i.e. all factors that will determine the exact makeup of your financing solution

Apply Today And Get Your Dream Camper

The iCREDIT team is experienced in creating camper financing solutions that cater to various situations or requirements. Find out more by calling 1300 350 188 or use our online contact form.

What Is a Soft Quote?

A soft quote is a simple, no-obligation way to explore your loan options without affecting your credit score.
When you request a soft quote, we assess your financial profile and give you an estimated rate, repayment amount, and loan term based on current lender options.

✔️ No credit file impact
✔️ No commitment required
✔️ Instant comparisons across multiple lenders

It’s ideal if you’re still shopping around or just want to understand what your repayments might look like.

 

What Is a Full Application?

A full application is the next step once you’re ready to proceed.
This involves submitting your information to the lender for a formal assessment. The lender then completes a credit check, verifies your documents, and provides a confirmed interest rate and loan offer.

✔️ Required for formal approval
✔️ Involves a credit check
✔️ Can lead to same-day approvals (depending on the lender)

What Affects Your Loan Rate?

Lenders consider several key factors when determining your personalised rate and terms. These include:

1. Your Profile

Credit history, employment stability, and income all play a major role in the rate offered. A clean credit file and steady employment can often lead to lower rates.

2. The Asset

The type, age, and condition of the asset (car, caravan, horse float, etc.) can influence risk and therefore the rate. Newer or higher-value assets often attract better rates.

3. Loan Term

Shorter terms generally mean less total interest paid, while longer terms may offer lower weekly repayments but higher total cost.

4. Fees

Every lender has their own structure for establishment, monthly, and exit fees. iCREDIT helps you compare these upfront so there are no surprises.

Why Compare with iCREDIT

At iCREDIT, we make finance simple and transparent. Our team compares a wide range of lenders, explaining your options clearly and helping you choose the best fit — without pressure or hidden costs.

  • Compare rates and lenders side-by-side

  • Understand your total loan cost upfront

  • Avoid unnecessary credit checks until you’re ready

Get Your Soft Quote Today

Take the first step with a soft quote and see what’s possible — all without impacting your credit score.

👉 Start your soft quote today