Found a caravan you want to buy from a private seller?
iCREDIT can help you compare caravan loan options from 50+ lenders, whether you’re buying through Facebook Marketplace, Gumtree, a caravan website or directly from the owner.
We can also help with the private sale process, including seller details, PPSR checks and settlement.
Loans available from $5000
Loan terms from 1 to 7 years
Options for Older Caravans
Loan comparison without affecting your credit rating
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.
Found the right caravan through Facebook Marketplace, Gumtree, Caravan Camping Sales, a classified advertisement or directly through a private seller?
You don’t necessarily need to buy from a dealership to access caravan finance.
iCREDIT helps Australians compare private sale caravan loan options for used caravans, camper trailers and eligible recreational vehicles purchased directly from private owners.
Private purchases work differently to dealership transactions. Before settlement, the caravan and seller may need to be verified and the lender may require information about the caravan, ownership and insurance.
Our finance specialists can help coordinate this process while comparing suitable loan options across our lender panel.
Compare private sale caravan finance options before you commit to one lender.
Buying privately can give you access to thousands of caravans that aren’t available through dealerships, but the finance and settlement process is slightly different.
Here’s how a typical private sale caravan loan works.
Find the caravan
Choose a caravan being sold privately through Facebook Marketplace, Gumtree, Caravan Camping Sales, another classified platform, caravan club, family member or an independent seller.
You can also seek finance pre-approval before finding the caravan.
Compare your finance options
Tell us approximately how much you want to borrow and provide some basic information about your circumstances.
Rather than applying blindly to one lender, iCREDIT can assess your requirements against lenders that offer finance for private-sale caravans.
Caravan and ownership checks
Private sales do not come with all the safeguards associated with purchasing through a licensed dealership.
iCREDIT can complete checks to help establish the caravan’s ownership and PPSR status before settlement.
Tip: A PPSR search can identify whether a security interest is registered against the caravan and may also provide information relating to stolen or written-off status.
Finalise the loan and settlement
Once your chosen lender has completed its assessment and all conditions have been satisfied, loan documents can be finalised.
Depending on the lender and transaction, settlement funds may be paid directly to the seller, you or used to discharge existing finance before the remaining purchase funds are released.
Once settlement is confirmed, you can arrange collection of the caravan with the seller.
The lowest advertised interest rate is not always the best deal.
When comparing a private sale caravan loan, consider the full cost of the loan.
A lower interest rate can reduce your repayments and total interest.
The comparison rate gives you a broader guide to the cost of the loan because it includes certain fees and charges.
Some lenders charge upfront or establishment fees.
A longer loan term can reduce your regular repayment, but you may pay more interest overall.
Do not compare loans based on interest rate alone. Look at the repayments, fees and total amount you will repay.
If you plan to pay the loan off early, check whether extra repayments are allowed and whether any early payout fees apply.
Secured Caravan Loan
Caravan used as security
With a secured caravan loan, the caravan is used as security for the loan.
This can sometimes provide access to more competitive rates, depending on the lender and your circumstances.
The caravan will usually need to meet the lender’s rules around:
Age
Value
Condition
Loan amount
Unsecured Caravan Loan
No caravan security
An unsecured loan does not use the caravan as security.
This may be an option where the caravan does not meet a lender’s secured loan requirements.
Rates and lending criteria may be different for unsecured finance.
The best option will depend on your situation and the caravan you want to buy.
Estimate repayments instantly with adjustable interest rates.
See how repayments may vary across different credit profiles. These examples are indicative only.
Yes, in many cases you can.
A caravan does not have to be purchased from a dealership to qualify for finance.
Caravans advertised through Facebook Marketplace, Gumtree, Caravan Camping Sales and other classified websites may be eligible for finance, depending on the lender.
The lender will usually want to know:
Who owns the caravan
The age of the caravan
Its estimated value
VIN or chassis details
Purchase price
Whether finance is already owing
Seller details
Your eligibility for the loan
Finding a caravan privately does not automatically mean you need to pay cash.
iCREDIT can help compare lenders that may consider the purchase.
Yes, depending on the caravan and lender.
Some lenders have strict limits on how old a caravan can be, while others may consider older caravans.
The lender may look at:
Current age of the caravan
Caravan age at the end of the loan
Purchase price
Market value
Condition
Loan amount
Deposit
Your overall financial position
If one lender says the caravan is too old, it does not necessarily mean every lender will.
This is one of the main reasons it can be useful to compare private sale caravan finance options across multiple lenders.
Both private sales and dealership purchases can have advantages.
A private sale may offer:
However, you may need to provide more information about the seller and caravan before settlement.
A dealership purchase may provide:
Neither option is automatically better.
The most important thing is making sure the caravan, purchase price and finance option are right for you before committing.
CUSTOMER REVIEWS
Different lenders have different rules when it comes to financing a caravan purchased from a private seller.
Some lenders may accept older caravans. Others may have limits on the caravan’s age, value or loan amount.
Instead of applying to one lender and hoping they can help, iCREDIT can compare suitable options across our panel.
Yes. A number of lenders may provide finance for caravans purchased directly from a private seller, subject to lender approval and the caravan meeting their criteria.
Yes, The lender will assess you, the caravan, the seller and the purchase details before approving the loan.
Yes. Caravans advertised on Gumtree and other classified websites may be eligible for finance, depending on the lender, caravan and your circumstances.
Depending on the lender and transaction, settlement funds may be paid directly to the seller or used to pay out existing finance before any remaining funds are released.
Depending on the lender, the seller may need to provide:
A PPSR check can help identify whether a registered security interest exists over the caravan.
It is an important check to consider when purchasing a caravan privately.
Each lender has different rules around caravan age.
Some may accept older caravans while others may have maximum age limits.
Yes, Pre-approval may help you understand your approximate borrowing limit before you start negotiating with sellers
Deposit requirements will depend on the lender, caravan value, loan amount and your circumstances.
Yes, Different lenders have different credit policies, so your available options will depend on your individual circumstances.
Caravan loan terms are commonly available from 1 to 7 years, depending on the lender and the age of the caravan.
Some lenders may allow certain accessories or related costs to be included, subject to their lending limits and criteria.
The documents required can vary between lenders.
As the buyer, you may need to provide:
The lender may also request the following vehicle and seller information:
Found the caravan you want to buy?
Before committing to the first finance option you find, compare what may be available.
iCREDIT can help you compare private sale caravan loans from a panel of 40+ lenders, based on your circumstances, loan amount and the caravan you are buying.
Whether you are buying through Facebook Marketplace, Gumtree, a caravan website or directly from the owner, we can help you understand your options and guide you through the private sale finance process.
