NEW CARAVAN FINANCE AUSTRALIA
Compare New Caravan Loan Options
Compare suitable rates, fees, repayments and loan structures for new, used, dealer and private-sale vehicles through one initial enquiry.
New Dealer & Manufacturer Purchases
Personal & Business Use Finance Options
Australia-wide Service
No Obligation Loan & Lender Comparison
Compare New Caravan Loan Options
Buying a brand-new caravan is a significant investment, and the finance offered at the dealership may not be the only option available.
iCREDIT helps Australians compare suitable new caravan loan options from a panel of more than 50 lenders. Your comparison can consider interest rates, comparison rates, lender fees, loan terms and estimated repayments before you decide whether to proceed with a formal application.
Finance for new caravans purchased from approved dealers and manufacturers
Personal and eligible business-use finance options
Loan terms of up to seven years with participating lenders
Fixed-rate and other eligible finance structures
Australia-wide service
An initial comparison enquiry without affecting your credit file
Start Your Loan Comparison
Tell us what you’re looking for. We’ll review suitable options from our lender panel and contact you with an indicative comparison.
This is an initial enquiry—not a lender application.
We will not submit your information to a lender without your approval.
Finance Designed Around Your New Caravan Purchase
New caravan finance allows you to spread the cost of a caravan over an agreed loan term rather than paying the full purchase price upfront.
Depending on the lender, your circumstances and the caravan being purchased, the finance may be secured against the caravan. Providing the caravan as security can reduce the lender’s risk and may provide access to more competitive rates or longer loan terms than some unsecured alternatives.
A secured loan also means the lender registers an interest in the caravan. If the borrower does not meet the loan obligations, the lender may be entitled to repossess and sell the caravan.
iCREDIT can help compare finance for eligible new:
Family & Touring Caravans
Off Road & Semi Off Road Caravans
Expanda Caravans
Hybrid Caravans
Pop-top Caravans
Fifth Wheeler Caravans
Why Compare New Caravan Loans?
The lowest advertised interest rate is not necessarily the lowest-cost loan.
An advertised rate may only be available to applicants who meet particular credit, income, property ownership and asset criteria. Fees and loan conditions can also change the overall cost.
Interest Rate
The interest rate determines how much interest is charged on the outstanding loan balance. The rate available to you may depend on your credit profile, income, expenses, loan amount, deposit and the caravan being financed.
Comparison Rate
A comparison rate combines the interest rate with most applicable fees and charges into a single percentage. It can help compare the indicative cost of different loans, provided the rates use the same loan amount and term assumptions.
Lender Fees
Check establishment, documentation, monthly account, late payment, early termination and discharge fees. A low advertised interest rate can become less competitive after fees are included.
Repayments
Some loans allow additional repayments or early payout without substantial penalties. Others may impose early termination costs, particularly during a fixed-rate period.
Total amount repayable
The total amount repayable is the full amount you are expected to pay over the loan term, including the amount borrowed, interest and applicable fees. Comparing this figure can reveal the longer-term cost of loans with similar repayments or advertised rates.
Loan flexibility
Consider whether the loan can adapt if your circumstances change. Features may include additional repayments, flexible repayment frequencies or early payout options. Check the applicable conditions, restrictions and fees, as the most flexible loan may not have the lowest advertised rate.
New Caravan Finance Through iCREDIT
iCREDIT is an Australian finance comparison brokerage helping customers compare loan and lender options for caravans and other recreational assets.
Instead of approaching several lenders separately, you can provide your initial information once. The iCREDIT team can assess your requirements against relevant lender policies and identify options that may suit the purchase.
1.
Tell us about your purchase.
Provide the estimated caravan price, deposit, preferred term, purchase timeframe and whether the caravan will be used personally or for an eligible business purpose.
2.
Complete an initial lender comparison
iCREDIT reviews your information against suitable lender policies. Completing this initial comparison stage does not require multiple lender applications.
3.
Review your available options
Where suitable options are available, the comparison may include the indicative interest rate, comparison rate, lender fees, estimated repayment, loan term and total repayment information.
4.
Proceed to application & approval
If you choose an option, iCREDIT will explain the documents, lender assessment and consent required to proceed with a formal application and approval.
Dealer Finance vs Comparing Loan Options
Finance arranged at the caravan dealership may be convenient, but convenience should not be the only consideration.
A dealership may introduce one lender or a limited selection of finance providers. That option may be suitable, but it should still be compared against other available loans.
Before accepting dealer caravan finance, compare:
The interest rate and comparison rate
Establishment and ongoing fees
The total repayment over the full term
Any additional products being financed
Whether the quoted rate is conditional on your profile
iCREDIT can help you complete this comparison before you commit to a particular lender.
New Caravan Loans Across Australia
iCREDIT provides new caravan finance comparisons to eligible customers throughout Australia.
Our online and telephone service can assist buyers in Brisbane, the Gold Coast, Sunshine Coast and regional Queensland; Sydney, Newcastle, Wollongong and regional New South Wales; Melbourne, Geelong and regional Victoria; Adelaide and South Australia; Perth and Western Australia; Hobart and Tasmania; Darwin and the Northern Territory; and Canberra and the ACT.
Whether the caravan is being purchased from a local dealership, an interstate dealer or an approved Australian manufacturer, iCREDIT can help you choose a loan suitable to your budget and needs,
Can I Get Pre-Approval Before Choosing a Caravan
Yes, customers may be able to obtain conditional pre-approval before signing a caravan purchase contract.
A pre-approval can provide an indicative borrowing limit and help establish a realistic purchasing budget. It may also place you in a stronger position when discussing the purchase with a dealer or caravan manufacturer.
Pre-approval is not final approval. The lender may still need to assess the selected caravan, supplier, invoice, insurance and updated financial information before settlement.
Estimate Your Caravan Loan Repayments
Loan Calculator
Estimate repayments instantly with adjustable interest rates.
Compare Your Loan Options
See how repayments may vary across different credit profiles. These examples are indicative only.
Excellent Credit
OK Credit
Below Average Credit
Loan Snapshot
Personal and Business-Use Caravan Finance
Most recreational caravan purchases are financed using consumer credit.
Different finance structures may be available where the caravan will be used predominantly for business or income-producing purpose.
Business-use finance is subject to the applicant, asset and intended use meeting lender requirements.
Taxation and GST outcomes depend on individual circumstances, so obtain advice from a registered accountant or tax adviser before selecting a commercial finance structure.
Can Accessories Be Included in the Finance?
Yes, lenders can allow eligible caravan accessories and related equipment to be included in the loan when they form part of the dealer or manufacturer invoice.
This could include:
- Awning and annex packages
- Solar and battery upgrades
- Air conditioning
- Reversing cameras
- Additional water tanks
- Suspension upgrades
- Off-road packages
- Caravan security equipment
- Extended Warranty
CUSTOMER REVIEWS
Trusted by Australians nationwide for loan comparisons, helping borrowers find competitive rates and suitable finance options
Customer Reviews
What Information Will I Need?
For a new caravan finance comparison, you may need:
- Estimated Purchase Price
- Loan Amount Required
- Employment & Income Information
- Residential Status
- Existing Loan Commitments
- Credit Rating
A formal application generally requires identification, evidence of income and details of the selected caravan. Self-employed applicants may need to provide additional business or financial information, depending on the lender and requested finance structure.
Newer caravans may qualify for a broader range of secured lending policies because of their age and value. This can sometimes provide access to more competitive rates or longer terms, but the actual rate depends on the applicant, lender, loan amount and caravan.
Completing iCREDIT’s initial comparison enquiry does not involve submitting applications to multiple lenders. A credit enquiry may be recorded if you later select an option, consent to a formal application and the lender conducts its credit assessment.
Loan terms range from one to seven years, and some include balloon payments if required. The term available will depend on the lender, loan amount, caravan and applicant. A longer term can reduce regular repayments but generally increases the total interest paid.
Yes, Finance is available for caravans purchased from an approved Australian manufacturer. iCREDIT will need to verify the supplier, purchase contract, invoice, caravan details and payment arrangements before settlement.
Many new caravan loans are secured against the caravan, although other options may be available. With secured finance, the lender registers an interest in the caravan until the loan has been repaid.
Yes, Self-employed applicants can be eligible for new caravan finance with loan products ranging from no financials through to full tax return loan options.
Yes, pre-approval can be available before you order or select the caravan. Final approval remains subject to the lender’s assessment, verification of your circumstances and acceptance of the caravan and supplier.
Compare the interest rate, comparison rate, establishment and ongoing fees, repayment amount, loan term, total amount repayable, early payout conditions and broker fee.
The lowest offered interest rate may not represent the lowest overall cost due to excessive fees.
