Finance the van, keep the adventure fund.
Know your repayments before you fall in love with a floorplan. Run the numbers below, learn what actually moves your rate, then compare real offers across 30+ lenders in minutes.
- Total interest
- $13,860
- Total cost of loan
- $73,860
Estimate only — repayments assume a fixed rate and monthly payments, and exclude fees. Your rate depends on your circumstances and the lender.
This page is general information, not financial or credit advice — it doesn't consider your objectives or situation. Check any loan's terms and get advice where you need it. Credit criteria, fees and charges apply to all loans.
Compare caravan loans across 30+ lenders with Driva
Driva matches your details to lenders and shows personalised rates in minutes — the initial quote is a soft check, so comparing doesn't touch your credit score. New, used and private-sale vans covered, with the paperwork handled through settlement.
- · 30+ lenders compared in one quote
- · Soft check first — no credit-score impact to look
- · Dealer and private sales, new and used
- · Settlement and PPSR paperwork handled
Six things that actually move the cost
Compare the comparison rate
The headline rate ignores fees. The comparison rate folds most of them in — two loans a percent apart on paper can cost the same in practice.
Secured is usually cheaper
Using the van itself as security typically earns a meaningfully lower rate than an unsecured personal loan. Most caravan loans work this way.
Match the term to the trip, not the repayment
Stretching to seven years shrinks the monthly figure but can add thousands in interest. Run both terms in the calculator and look at the total-cost line.
Treat balloons with respect
A residual lowers repayments today but leaves a lump sum owing at the end — and you pay interest on it the whole way through. Fine as a strategy, bad as a surprise.
Get pre-approval before you shop
Walking into a dealer (or a private sale) with finance sorted gives you a cash buyer’s negotiating position and a hard ceiling on impulse upgrades.
Private sales are financeable
Plenty of lenders cover private-sale vans — the paperwork (PPSR check, payout of any existing loan on the van) is exactly what a good broker sorts for you.
Put it somewhere worth towing to
Plan the maiden voyage
Vehicle-aware routing that knows you’re towing, with a campsite suggested for every night.
Plan a trip →Kit it out
5,000+ camping and caravanning products in our Australian-owned store — solar, bedding, awnings, the lot.
Shop gear →Stay connected out there
Starlink for camps with zero bars: which kit, 12V power, and mounts that survive corrugations.
Read the guide →Caravan loans — your questions
What can I finance — does it have to be a new caravan?+
New and used caravans, camper trailers, hybrids, pop-tops and motorhomes can all be financed, from dealers or private sellers. Very old vans can be harder to finance at the best rates — lenders typically care about the van’s age at the END of the loan term.
Secured or unsecured — which is right?+
A secured loan uses the caravan as collateral and usually gets a much lower rate; the lender registers its interest on the PPSR until you’ve paid it off. Unsecured suits small amounts or vans a lender won’t take as security, but you pay for the flexibility with a higher rate.
How do lenders decide my rate?+
Credit history, income and expenses, loan size versus the van’s value, the van’s age, and the term. That spread is why comparing across many lenders matters — the same borrower can be quoted rates several percent apart for the identical van.
Does getting a quote hurt my credit score?+
A soft-check quote (which is how comparison services like Driva start) does not affect your score. A full application creates a hard enquiry — another reason to compare first and apply once, rather than applying to lenders one by one.
Can I include accessories and setup in the loan?+
Often yes — solar, batteries, annexes, weight-distribution hitches and dealer extras can usually be rolled into the amount financed. Just remember everything financed accrues interest; the calculator’s total-cost line keeps that honest.
What deposit do I need?+
Many lenders will finance 100% of the purchase price for qualified borrowers, so a deposit isn’t always required — but putting money down lowers the repayment, can improve the rate, and protects you from owing more than the van is worth early on.
Some links on this page are partner links — if you buy or sign up through them, Camping Australia may earn a commission at no extra cost to you. We only recommend gear and services we would run at our own camps.