Personal Loans For Camper Trailers

A camper trailer personal loan is a loan that is not tied to the asset. Because of this, the amount you can borrow is usually less than if you were to take out a secured loan. As there is no asset as security against the loan, unsecured loans often come with higher interest rates than secured consumer loans making the total cost of the loan higher.

An unsecured camper trailer loan usually comes with higher interest rates than a secured camper loan. So why opt for an unsecured car loan?

Unsecured camper trailer loans are ideal for consumers wishing to purchase a camper trailer who don't meet the lending criteria for camper trailer finance or are looking to purchase an older camper. 

Personal loans for camper trailers fall into the personal loan finance product category.  Interest rates can vary depending on the lender criteria, your credit file, credit score, assets, and liabilities. Personal loan rates start as low as 5.69%*  While rates vary we have access to a large lender panel and are able to find you the best-personal camper trailer loan rate to match your vehicle and credit profile. 

Camper trailer personal loans do not fall under the realm of business finance and therefore offer no direct tax benefits. Unlike a secured loan the finance is not tied to the asset and money to pay for your camper is deposited directly into your bank account. 

However, if you use your personal loan money to buy a camper trailer for business purposes, you may claim input tax credits on the GST. We recommend speaking to your accountant or a professional financial advisor for full advice. 

To qualify for finance you need to:

• Be over 18 years old.
• Be an Australian citizen or permanent resident*
• Be currently employed**
• Earn at least $400 per week (after tax)
• Not be in an undischarged bankruptcy or part 9 debt agreement. 
  
  

  *We may be able to help if you have a visa with more than 2 years remaining.
  **Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) - Or 6 months casual employment.
  *** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.

Making an application is quick and easy. You just need to have the following documents ready to give to your broker:

• Current Australian Residency Identification 
• Two recent payslips
• One current bank statement 

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. Click here for an assessment that will not damage your credit score or call on 1800 2777 6899 and talk to one of our experienced brokers to find a solution. 

Yes, you can. If you are self-employed, you can borrow 100% of your camper trailer purchase value and include extras such as insurance and extended warranties.