Camper trailer loans in Australia work similarly to other asset finance products.
You borrow a fixed amount to fund the purchase of a new or used camper trailer, with repayments made over a set term — typically between 2 and 7 years. Most loans are secured, meaning the lender uses the trailer as collateral. If repayments aren't met, the lender may have the right to repossess the camper trailer.

Yes, many lenders allow you to bundle extras into your camper trailer loan. This can include things like solar panels, off-road suspension, 4x4 gear, awnings, storage boxes, tow hitches, or even full fit-outs. If you're planning to customise your setup for off-grid travel or long-term touring, Ausloans can help you find lenders who support financing both the camper trailer and your chosen upgrades in one easy package.

In Australia, most caravan loan terms range from 1 to 7 years, depending on the lender, your credit profile, and the age and value of the camper trailer. Choosing the right loan term affects both your monthly repayment and total interest paid: shorter terms mean higher repayments but lower overall interest, while longer terms reduce monthly costs but increase the total cost of the loan.

Most lenders prefer to finance camper trailers that are less than 10–15 years old at the end of the loan term, but this can vary depending on the lender and your credit profile. Some lenders are more flexible and may approve finance for older models — especially if they're in good condition and have a reasonable resale value.

You can also opt for unsecured camper trailer finance, where there is no collateral placed against the loan. This option works well for older models.

At Ausloans, we work with a wide panel of lenders, including those that consider finance for used or older trailers, whether you're buying from a dealer or private seller.

Interest rates for camper trailer loans in Australia depend on factors like your credit score, income, employment status, loan amount, and the age and type of camper trailer. Newer models typically attract lower rates, while older or used trailers via private sales may come with slightly higher interest. That’s why Ausloans compares offers from over 70 lenders — using our AI-powered Zink platform to match you with real loan options based on your unique profile. 

The documents you’ll need for a camper trailer loan include: 100 points of ID, recent payslips or proof of income (e.g. BAS if self-employed), bank statements (typically 90 days), and the details of the trailer you're buying. If it's a private sale, we’ll also help with seller info and asset checks. Don’t stress — your dedicated finance specialist will walk you through every step.

Yes — refinancing your camper trailer loan can help you secure a lower interest rate, reduce your repayments, access better loan features or open equity for upgrades and accessories. Whether your credit score has improved or you simply want to switch to a more competitive lender, Ausloans can help you compare refinancing options from our panel of 70+ lenders. Just one application lets you see what’s possible — with no impact on your credit score.

Yes — you can buy a camper trailer with finance owing, but the existing loan must be paid out in full before ownership is transferred. This is usually handled during settlement, with the lender paying the remaining balance directly to the current financier. Before buying, it’s essential to run a PPSR check to confirm there’s no active finance or encumbrance on the trailer.

Absolutely. Getting pre-approved for camper trailer finance gives you a clear budget and makes the buying process smoother and faster. It’s especially helpful if you’re purchasing through a private seller, dealership, or at auction, where having finance ready can give you a competitive edge. At Ausloans, you can complete a simple 3-minute application and get pre-approved by one of our 70+ lenders — all without impacting your credit score. Pre-approval typically lasts 30–60 days and gives you strong negotiating power on the purchase price.

Most popular SUVs in Australia — including the Toyota RAV4, Subaru Forester, and Hyundai Kona — can safely tow a camper trailer, but the exact capacity depends on your vehicle’s model and engine type. For example, a RAV4 can typically tow between 1,500kg and 2,000kg, making it suitable for most lightweight or off-road campers. Always check your vehicle manual or speak with your dealer before towing to ensure you’re within safe limits.

While not a requirement on roads like car CTP insutance, you can insure your camper trailer through your preferred private insurer. While Ausloans doesn’t offer insurance directly, most major insurers in Australia provide comprehensive camper trailer policies that protect against theft, damage, and accidents. It’s a great way to protect your investment and travel with confidence knowing your camper is covered.

Yes, registration is mandatory for all camper trailers in Australia. Requirements vary by state and territory, but you’ll typically need a VIN, proof of ownership, and a roadworthy inspection for new or imported trailers. Once approved, your trailer will receive its own registration plate. Check your local authority such as Transport NSW, VicRoads, or TMR QLD for specific registration steps.