Handy Finance Caravan Loan Calculator

Our caravan loan calculators provide you with an estimate of what your repayments will look like, depending on the information you input. It should only be considered a guide rather than hard loan terms you’ll secure when you officially apply for your loan. For a personalised quote, consider filling out an application form.

The final interest rate for any caravan loan you take out will be influenced by information that our credit experts can use to create a complete picture of your financial situation. This includes factors such as your credit score, employment status and living situation. We offer competitive, fixed interest rates on all our loans.

Several different factors will affect how quickly your caravan depreciates. It will depend on the model you choose to buy and its reputation in the market. It will also depend on how well you maintain the caravan once you own it – caravans that are regularly checked and well-maintained will depreciate slower. For more information about this, you may need to speak to an authorised caravan seller.

Caravan loans are loans specifically designed for purchasing a caravan. With a caravan loan, you can avoid the financial stress of a large upfront payment. Your loan takes care of this, and all you have to focus on is making your weekly, monthly or fortnightly repayments – and enjoying your caravan. 

We offer secured caravan loans from $2,001 to $75,000 with a fixed interest rate. A secured caravan loan means that the caravan you purchase will act as collateral, and the interest rate applied will stay the same throughout the loan term. This means your weekly, fortnightly or monthly repayments will stay the same throughout the lifetime of the loan, so you can budget accordingly. Interest rates and loan terms (between one and seven years) will always be tailored to your financial situation.

There are a few key factors to consider before taking out a caravan loan:

• What will the interest rate be? When searching for a loan, you want to find one with the most competitive interest rates – it makes all the difference to your final repayments. We tailor the interest rate to your financial circumstances, offering competitive, fixed interest rates on our caravan loans.

• Are there any extra fees? Some lenders have fees that are applied to the loan repayment after terms and interest rates have been locked in. This could be things like early repayment fees or account-keeping costs. With Handy Finance loans, you will only need to pay an establishment fee – as long as your repayments are made on time, you won’t be hit with unexpected fees during your loan.
• Are there any extra fees? What are the loan terms? Our loans come with terms ranging from one to seven years – our credit team tailor this loan term to your financial needs, so you have a term that fits your goals. You can also choose your repayment options – pay in weekly, fortnightly or monthly instalments.

You need to supply documents that prove you meet the eligibility criteria for a caravan loan. This includes some form of identification (passport or driver’s licence) and proof of income (bank statements). Any information you have about the caravan you want to purchase is also helpful to our credit experts when assessing your application.

We know timely access to funds can make all the difference in securing the right new or secondhand caravan for you. Once you’ve submitted your application online, our credit team prioritises having an indicative decision out to you within minutes. When the loan is approved, the funds will be released into your bank account within 24 hours.

You can! Our caravan loans can be used to purchase second-hand and brand-new caravans. A quality second-hand caravan can be a great option if you’re new to the world of caravaning or have a smaller potential budget for the purchase. Always buy through a reputable second-hand dealer to ensure you’re getting a used caravan in top shape.