Pre-approval gives you buying power and peace of mind. You’ll know exactly how much you can borrow, which makes it easier to shop confidently and avoid blowing your budget. It also puts you in a stronger position to negotiate — especially with private sellers or dealerships. With Ausloans, the pre-approval process is simple, fast, and doesn’t lock you into anything.

Typically, you'll need:

• Proof of identity (e.g., driver's license)

• Proof of income (e.g., recent payslips or tax returns)

• Bank statements

• Details of the caravan, motorhome or camper trailer you're purchasing

Not when you apply with Ausloans. We begin with a soft check — this gives you access to real loan options and interest rate ranges without affecting your credit score. A hard credit check only happens later in the process if you decide to go ahead with a specific lender. This way, you can explore your finance options with zero risk up front.

While putting down a deposit can reduce your loan size and monthly repayments, it’s not mandatory. We work with lenders who offer both no-deposit loans and low-deposit finance options, depending on your credit profile and the value of the asset. If you’re unsure what works best, we’ll help you compare both approaches so you can make an informed decision.

Approval times can vary depending on your individual financial situation and how quickly you provide your documents. In most cases, Ausloans customers receive lender matches and conditional approval within 24 hours. If your profile needs more verification, it might take a little longer. The fastest way to speed things up? Submit your application online with your documents ready to go.

Yes, it’s still possible. At Ausloans, we work with a diverse panel of 70+ lenders — including those who consider applicants with previous credit issues like defaults, late payments, or even past bankruptcies. Our AI-powered application system, Zink, looks at your actual credit situation and connects you with lenders more likely to say yes to that, giving you a real shot at financing your next lifestyle vehicle — even with a rough credit history.

Balloon payments can lower your monthly repayments by postponing a portion of the loan until the end of the term.
This means smaller instalments throughout the loan, but a larger lump sum due at the end. It’s a popular option for those who want to free up cashflow now and plan to sell or upgrade their campervan later. Ausloans can help you compare lifestyle finance options with or without a balloon payment to find what best fits your travel plans and budget.

Beyond the interest rate, most secured caravan, campervan and motorhome loans can include setup fees, account-keeping charges, and sometimes early repayment costs. Ausloans helps you understand the true cost by showing comparison rates, which factor in most fees and charges. We’ll help you avoid hidden costs by comparing real offers from Australia’s top lenders — all in one place.

There’s no exact credit score required to get approved for a caravan or campervan/motorhome loan — but generally, the higher your score, the better your finance options.
A credit score above 650 may give you access to lower interest rates and more flexible loan features. That said, Ausloans partners with lenders who assess applications across the full credit spectrum, including those with low or recovering scores. When you apply, our AI-powered Zink system compares your profile against multiple lenders to find the best match — all without leaving a mark on your credit report.