Get real personalised rate offers from +40 lenders in minutes with no impact on your credit score!
*T&C apply. Student and visitor visas not eligible
With one of the largest lending panels in Australia, it is easy to offer you the best caravan loans.
Online caravan loan application; easily upload and sign documents directly from your phone or computer.
Our massive lending panel allows us to find you the best caravan loan rates.
We care about you, so we make sure we don't impact your credit score.
With our fintech platform, we match you with a lender and pre-approve your caravan loan in minutes.
Our team of more than 150 caravan finance brokers work with you until your caravan loan finance is settled.
Our automated finance software ZINK matches you with a lender and get you the best caravan loan interest rate for your circumstances.
Get approved and drive away!
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We are the largest privately-owned finance brokerage and aggregation business in Australia. Through our multi-award-winning fintech software ZINK, we qualify online car finance applicants and search for loans from a panel of 40+ lenders to find the right product. Our team of more than 150 asset finance brokers around Australia work on the applications until settlement, guiding our customers and answering their questions through the whole process.
We are a multi-award-winning independent finance group that believes in helping people achieve their dream or goal with a holistic finance solution. Whereas a bank offers you a fixed solution with a single lender, we compare within a panel of 40+ lenders to find the best car finance rates for your specific circumstances. Once you're matched with a lender, you're assigned to a professional car finance broker from a team of more than 150 asset finance brokers around the country. Additionally, we can find Australiawide the right vehicle for you through our vehicle solutions partner Drive.
Our caravan finance interest rates can vary depending on the age of the asset you are buying, your credit file, credit score, assets and liabilities. Our rates for caravan finance start as low as 6.29% p.a* (Comparison Rate 8.19%) for new caravans for business and consumers.
* based on a commercial contract for a new vehicle with specific criteria.
Not necessarily. If you prefer, you can source your own caravan. But if you wish, we offer a holistic solution; from sourcing a caravan through our vehicle solutions partner Drive to new and used caravan finance at the most competitive rates and specs.
To qualify for finance you need to:
*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:
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 caravan's purchase value and include extras such as insurance and extended warranties.
The entire process, from completing our application form to approval, and your chosen seller receiving funds in their bank account, can be done as quickly as only a few hours. However, consider actual turnaround times will vary significantly depending on many factors; lender turnaround times, contactability of the applicant, strength of the applicant's profile, gathering the required documents, additional information required by the lender, etc.
Our online application takes 2 minutes to fill out, once completed our call centre calls you within the next 24 hours to pre-approve you and transfer you to an assigned broker. Once the documents are gathered and the broker submits the application to the lender, approval can take from 2 hours.
Yes, you can get approved for a bad credit caravan finance. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you. To help bad credit caravan finance applicants or Centrelink caravan loan applicants, we created 1800Approved; an established asset finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants. We do this with the help of our 40+ lender portfolio, so give us a call or click here for an assessment that will not damage your credit score.
At Ausloans, unlike a bank, we do not leave an impression on your file as part of our assessment, so it will not show on your credit file as a “declined” if your application is unsuccessful. But be aware that more than 6 enquiries in a 12-month period may affect your application for finance.
The short answer is yes, if your repayments are 14 days overdue or more then this will most likely be recorded on your credit score.
Yes! Many of our loans give you the option to pay your loan off before the term is up. Speak to one of our financial professionals to tailor a solution for you.
A balloon payment allows you to reduce your repayments during the caravan loan term by making a one-off lump sum payment at the end of your loan. For example, if you were to take a $30,000 loan over five years with a 30% balloon, your regular repayments at a comparison rate of 8.10% would drop from $609.73 per month to $467.24 per month with the addition of a $9,000 lump sum payment due with your final payment. We will contact you within the last six months of your loan term to discuss your payment options.
Your caravan finance questions answered
Yes, with Ausloans, you can easily get approved for a second-hand caravan o camper trailer loan. Used caravan finance can be an excellent option if you are looking to hit the road without having to pay a premium price. With our 40+ lender panel, we have plenty of options to find a used caravan loan that suits your needs.
Don't worry, at Ausloans we offer no deposit caravan finance, which means 100% of the purchase price is included in the caravan loan package. So, if you don't have the funds upfront to buy the caravan or camper trailer of your dreams, you still have the chance of getting your caravan loan approved depending on your specific circumstances.
Yes, most of the time we require comprehensive insurance on your caravan or camper trailer. Our team of asset finance brokers can help you arrange comprehensive insurance if you wish.
Can I get approved for caravan finance if I have poor credit?
Yes, you can get approved for a poor credit caravan loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you. To assist bad credit caravan finance applicants or Centrelink caravan loan applicants, we created 1800Approved, an established car finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants.
Different options allow you to manage your finances well. Depending on your plans, you can pay off your caravan loan early, or choose to pay a lower monthly repayment with a lump sum at the end of the loan term.
Fixed Interest Rate – With this type of loan, your monthly payment is fixed for the entire term of the loan. This is perfect for those who are budget conscious and wants to know exactly what they need to pay month after month.
Balloon Payment – This means you pay a lump sum at the end of the loan term and you also have the option to refinance the lump sum in case you do not have ready money for it. One of the main advantages of having a balloon payment is that your monthly repayments are low.
Early Loan Termination – If you have extra money, you may want to pay off your loan early to save on interest payment and to free yourself from the burden of paying month after month. Lenders may charge an early termination fee though so make sure to ask about this option if early loan termination is a possibility for you.
Additional Payments – This is one of the best features many of our lender partners provide. When you pay more every month you can actually save on your interest payments and pay off the caravan loan early.
Buying a new or used caravan or camper trailer have their own advantages and disadvantages
Money is not the only factor when deciding whether to buy new or used. First-time buyers may find it better to buy a used one in order to decide whether a caravan is really fit for their lifestyle. The built-in features are also something to consider.
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Secured Caravan Loan – In a secured caravan loan, the caravan serves as a security for the loan and the lender can repossess and sell it in case you default on the loan. Interest rates are usually lower if the loan is secured.
Unsecured Caravan Loan – This is the opposite of a secured loan. The caravan is not tied to the loan and therefore cannot be taken if you fail to make repayments. Lenders will go after you and recover their losses through other legal means. Interest rates are higher if a loan is unsecured.
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Representative example: Based on a $30,000 loan with an 84-month term for a borrower with excellent credit history at a comparison rate of 8.19% p.a. the estimated total amount payable per month is $611. Interest rates range from 6.29% p.a. (comparison rate 8.19% p.a.). Rates are subject to change depending on the rates offered by lenders in our Lending Markets. Ausloans Finance Group credit criteria and terms and conditions apply.
Ausloans Finance Head Office: 1/33 Ereton Drive Arundel QLD
Ausloans Finance Group is a member of the Finance Brokers Association of Australia (FBAA), Australian Financial Complaints Authority (AFCA) and the Franchise Council of Australia (FCA). Ausloans Finance Group entered the market in 2009 and has grown to 3 brands within the group to offer consumers, brokers, dealerships and other businesses a holistic approach to financing.
