Motorhome finance is not the same as a home loan or mortgage. While a mortgage is secured against real property, motorhome loans are typically secured against the vehicle itself, similar to a car or caravan loan. This means the lender uses the motorhome as security rather than your home. Motorhome finance also has shorter terms and faster approval times than home loans, making it a flexible option for those wanting to hit the road without the complexity of a mortgage.

Your interest rate depends on your credit score, income, employment status, RV type, age, and whether it comes from a dealer or private seller. Our AI-powered Zink platform compares your details against 70+ lenders to deliver real, personalised motorhome loan offers in minutes—without impacting your credit score or obligation to proceed.

Absolutely. Whether you're looking to add and finance solar panels, awnings, or interior upgrades, many lenders allow you to bundle them into your motorhome loan. Ausloans finds lenders that support financing both the RV and your add-ons in one package.

Yes, you can get finance for pre-owned motorhomes whether they’re from a dealer or private seller. Interest rates depend on age, condition, and motorhome value, along with your credit profile. Ausloans compares options from 70+ lenders to find a competitive deal for your second-hand motorhome.

Models over 15 years old may need to be financed with an unsecured motorhome loan or personal loan. Our finance specialists can help guide you through the options available to you. 

You can refinance to access better interest rates, lower repayments, or improved features. Factors like your equity position may help you access lower interest rates and more flexible loan features. Ausloans compares refinancing options across our 70+ lender panel and shows you real offers with no impact on your credit score.

Yes you can buy a motorhome that still has finance owing, but the existing loan must be fully paid out before ownership can be transferred. This is usually handled during settlement, with the lender paying the remaining balance directly to the current financier. Before you commit to the purchase, it’s essential to run a PPSR check to confirm there’s no active finance or encumbrance on the motorhome. Our finance experts can guide you through this process.

Getting pre-approved for a motorhome loan is a smart way to set your budget and fast-track the buying process. With Ausloans, you can complete a quick 3-minute application and receive pre-approval from one of our 70+ lenders — all without impacting your credit score. Pre-approval is typically valid for 30–60 days. Sellers prefer quick transactions, so being pre-approved gives you strong negotiating power with dealerships, private sellers, and even at auctions, so you’re ready to secure your motorhome the moment you find it. 

Many lenders offer 100% finance for motorhomes, meaning you can cover the full purchase price without a deposit. This can be a great option if you’d prefer to keep your savings for travel or running costs. However, providing a deposit — even 10% to 20% — can improve your approval chances, help secure a lower interest rate, and reduce your monthly repayments. No-deposit finance may also depend on your borrowing capacity. Ausloans compares options from over 70 lenders to find the best fit for your needs.