One application, 80+ lenders
We compare the panel in one go so your van is matched to the lender most comfortable funding it, at the sharpest rate available to you.
108 reviews 5.0
Caravan loans. Adventure awaits.
Your next adventure starts here. We’ll search our 80+ lender panel for suitable caravan finance, with a broker to guide you from quote to purchase.
- New and used caravans
- Dealer and private-sale options
- Repayments matched to your budget
What have you got planned?
Let’s help you fund it.
From a first camper to a forever touring rig, we arrange finance for:
Touring and family caravans
Pop tops and hybrid campers
Motorhomes and campervans
Camper trailers and off road setups
New and used vans
Dealer and private sale purchases
Fifth wheelers and slide ons
Refinancing an existing caravan loan
Example makes and models
These caravan examples are not a restricted list. Age, condition, value and suitability as loan security generally matter more than the badge.
- Jayco
- New Age
- Zone RV
- Lotus
- Kedron
- Sunland
- Avida
- Windsor
- Coromal
Ways you can buy or refinance
The caravan finance process and paperwork change depending on whether the caravan comes from a dealer, private seller or an existing loan being refinanced.
- touring caravans
- off-road caravans
- camper trailers
- motorhomes
- new builds
- used caravans
- dealer purchases
- private sales
Documents a lender may ask for
These records help confirm income, identify the caravan and reconcile the amount that must be paid at settlement.
- build sheet
- invoice
- VIN or chassis details
- registration
- PPSR result
- deposit receipt
- payslips
- bank statements
Have something in mind? Let’s talk finance.
Get my free quoteCaravan finance.
More options. Less legwork.
A caravan is the difference between a cramped weekend and the open road on your terms. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders so you can fund the setup without emptying the rainy day fund.
New, used and private sales
Dealer floor or a private buy interstate, we arrange the finance and handle the checks so the deal settles cleanly.
Secured rates that protect cashflow
Most caravan loans are secured against the van, which keeps rates lower and your savings intact for the trip itself.
Why choose X Lend for caravan finance?
New or used, dealer or private sale, we arrange finance around the van you actually want, from a compact pop top to a full off grid touring rig. Get preapproved first and you can negotiate at the dealership or with a private seller knowing exactly what you can spend.
We explain the numbers in plain English, flag anything that affects your rate upfront, and only submit once you give the go ahead. Smarter buyers are swapping away from the one bank approach and letting us shop the whole panel for the deal that fits.
Pre approval before you shop
Walk in knowing your budget and negotiate like a cash buyer, with finance ready to settle.
Terms that suit the season
Choose a repayment term and structure that fits how you'll actually use the van, with no early exit traps.
Plain English guidance
We explain how build timing, chassis details, deposit stages and the caravan's age affect the available lender pathways.
Need the tow vehicle sorted too? We can often arrange finance for the caravan and the car that pulls it, structured separately or together to suit your budget, all compared across the same 80+ lender panel.
Work out your repayments.
Then find your finance.
Try an amount and term for your caravan finance. When you’re ready, we’ll compare the options available to you.
Caravan finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The customer had been unable to find a lender offering a single-digit rate for a private-sale caravan transaction.
Caravan finance · Wollongong, NSWA private-sale caravan financed at a single-digit rate
Approved on the first lender enquiry and settled at a historical rate of 8%, allowing the customer to proceed with the planned caravan purchase.
- 2 weeks, including time waiting for the seller turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for caravan finance. Your broker helps you prepare the application.
What do lenders look at for caravan finance?
For caravan finance, a lender assesses the specific caravan, the purchase or refinance transaction and whether the proposed repayments fit the applicant's verified budget. The sections below show how those checks connect.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for caravan finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include touring and family caravans.
- 02
We do the lender research
We help organise build sheet and invoice and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange caravan finance, with a broker to explain your options.
Balloon or no balloon: compare the whole repayment plan
Swipe across the table to compare all columns.
| Option | During the loan | At the end |
|---|---|---|
| No balloon | Higher regular repayments than the same loan with a balloon; the balance reduces faster | The scheduled loan balance is repaid when all payments have been made. |
| A balloon payment | Lower regular repayments, but interest is charged on a larger outstanding balance | A lump sum remains due. Budget for it rather than assuming resale or refinancing will cover it. |
| A shorter term | Higher regular repayments may reduce total interest on otherwise equal terms | Check affordability alongside the total amount repaid, fees and any payout costs. |
Use the calculator to compare the same amount, rate and term with and without a balloon. Refinancing requires a new assessment and is not guaranteed.
Compare the purchase and finance separately. A low advertised repayment may rely on a longer term or balloon, while an older or privately sold caravan may require extra checks.
Age and condition shape the term
Lenders may consider the caravan's age at the end of the loan, its condition, build type and likely resale demand.
Motorhomes need vehicle checks
A motorhome has both accommodation and vehicle components. VIN, kilometres, registration, mechanical condition and PPSR information should be checked.
Private sales require verification
Confirm seller identity, ownership, serial or VIN details, payout instructions and the absence or release of registered security interests.
Budget beyond the repayment
Insurance, registration, storage, servicing, towing equipment and park fees can materially change affordability.
Why the vehicle affects the loan term and repayments
Build specifications, delivery dates, deposit schedules, age, condition and resale demand guide valuation and term selection for caravans and motorhomes. In practice, those details can change the available lenders, the deposit required and the longest loan term offered.
For caravan finance, a balloon leaves part of the amount as a lump sum due at the end. It can reduce regular repayments, but the final amount must still be paid or refinanced, so we compare both the repayment effect and total cost.
What changes between a dealer, private sale and refinance
A dealer invoice usually puts the caravan and seller details in one place. A private sale adds seller, ownership and Personal Property Securities Register checks; a refinance instead needs a current payout letter showing the existing balance.
The caravan finance assessment then reconciles price, deposit, trade-in and any current payout with verified income, living costs and other debts to test whether the proposed repayment fits.
What should I have ready before applying?
- Confirm the exact make, model, year, VIN or chassis number.
- Compare the same amount, term and balloon across offers.
- Allow for insurance, storage and towing costs.
- Arrange an independent inspection where appropriate.
How we can help.
Illustrative examples of how we approach caravan finance.
Private-sale caravan finance
The buyer has found a suitable vehicle through a private seller and needs a secure settlement process.
How your broker helps
We confirm the seller, vehicle, PPSR status and payout position, then coordinate lender payment instructions with both parties.
What to have ready
Seller identification, registration details, VIN, purchase agreement, payout letter where relevant and the buyer's income documents.
Recent employment change
The applicant has moved into a new role with stable current income and a limited history in that position.
How your broker helps
We review the employment type, probation terms and continuity of occupation, then compare lenders whose employment policy fits the verified position.
What to have ready
Employment contract, recent payslips, bank credits and evidence of prior work in the same field.
Previous credit issues with current affordability
Older credit events appear on the file while recent banking conduct and income show a stronger current position.
How your broker helps
We explain the event, confirm its status and present the current income and expense evidence to lenders that assess the complete credit story.
What to have ready
Credit report, proof of payment or release, recent bank statements, payslips and a written explanation of the circumstances.
A word from your broker.
At X Lend, we first make the purchase amount, purpose and comfortable repayment clear. We then compare suitable panel options on the same term and fee basis, explain the total cost and ask the customer to approve the selected lender submission.
Let’s compare your options.
Get my free quotePut your plans in motion.
Keep more cash in reserve.
See how arranging finance compares with waiting or paying the full cost upfront.
With caravan finance
Access a suitable caravan without waiting to save the full purchase price.
Keep more savings available for emergencies after arranging the caravan.
Replace an unreliable or unsuitable caravan before downtime and repair costs increase.
The cost of waiting.
Work, family commitments or travel can remain disrupted without a reliable caravan.
An older caravan can keep creating downtime or repair costs while its replacement is delayed.
Paying the full caravan purchase price from savings can leave less buffer for unexpected expenses.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
caravan finance.
Your caravan finance questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and place your caravan loan with the one offering the best fit and rate.
Can I finance a used caravan or a private sale?
Yes. Many of our lenders fund used vans and private sales. We verify the van and that it's clear of existing finance, then settle directly with the seller.
How much can I borrow for a caravan?
It depends on the van and your situation, but our panel covers everything from modest camper trailers to high end touring rigs. We'll tell you your realistic borrowing power upfront.
Will a quote affect my credit score?
No. An indicative quote doesn't touch your credit file. We only run a formal credit check once you're happy to proceed with a lender.
Can I finance a caravan and a tow vehicle together?
Often, yes. We can arrange separate facilities for the van and the tow vehicle, or structure them to suit your budget, comparing the panel to find lenders comfortable with both.
What brands, models or purposes can caravan finance cover?
Common examples include Jayco, New Age, Zone RV, Lotus, Kedron, Sunland. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support caravan finance?
A lender may ask for build sheet, invoice, VIN or chassis details, registration, PPSR result, deposit receipt. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex caravan finance application?
For caravan finance, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026