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Handy Finance Caravan Loan Calculator

4 Years
Select repayments type
Your Repayments From
per week
This will not impact your credit score
Indicative Rate From
Comparison Rate From
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Amount + Interest
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.

How much can I afford?

I can afford

4 Years
Select repayments type

Your input indicates possible affordability up to


This is based on weekly payments of $2,000 for 7 years, at 6.3% interest. Click below to begin a finance application.

A quote won’t impact your credit score

4 Quick and Easy Steps to Securing Your Caravan Loan Pre-approval

Take a pre-approval with you for your next purchase

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Apply online

Complete your application online. Submit all of the required documentation.
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Get pre-approval

Our dedicated team will come back to you within hours and provide you with the amount best suited for your needs.

Make a plan

Think about when and how to make the most out of your loan – we’ll hold your funds for up to 3 months.
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Repay when ready

When you are ready to get started, settle your loan within as little as 24 hours.
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Removing barriers for what you need

Get approval in minutes to purchase what you need today.

  • Low rate

    Low Rates

    We’re committed to giving you the best and taking the stress out of borrowing, allowing you to enjoy life to the fullest.

  • Document

    No Hidden Fees

    Handy’s fees are completely transparent, giving you complete control over your finances.

  • Dollar

    Simple and Flexible

    Repay your loan however is best for you – weekly, fortnightly or monthly, for up to 7 years.

  • Circular clock

    Quick Applications

    An application process entirely online, with pre-approval in minutes.

Minimum Eligibility Criteria

Who can apply?

  • Must be over 18 years
  • Australian Permanent Resident or Australian Citizen
  • Must receive employment income
  • Must be for consumer use only

Get started(Opens in a new tab)

A quote won’t impact your credit score

Handy Guide

Understanding caravan loan calculator at Handy Finance

Handy Guide

Benefits of using a caravan loan calculator

The Handy Finance Caravan Loan Calculator is a simple and easy tool anyone can use. It takes key information about your financial situation to calculate an estimated interest rate and loan repayment sum. 

Once you’ve used the caravan finance calculator, you can identify what repayments you’ll need to make weekly, fortnightly or monthly to repay your loan. This sum also considers the fixed interest rate you may be offered, supplying a more complete picture of your borrowing power. You can adjust different prompts on the calculator to see how these repayments will change based on your loan term and final loan amount, too. 

Knowing what your repayments will be can help you decide on your final budget for a caravan. Your budget may grow or shrink depending on the numbers in front of you.

Using the caravan loan finance calculator

To use the loan calculator, you’ll need to have an idea of:

  • The amount of money you’d like to borrow (from $2,001 to $75,000)
  • The loan term (all Handy Finance Caravan Loans have a term of one to seven years)
  • Repayment frequency (weekly, fortnightly or monthly)
  • Your credit rating.

Once you’ve plugged this information in, the calculator will show you an estimated repayment sum and interest rate. You can adjust any of the prompts you’ve entered to see how different repayment frequencies, credit ratings, loan terms and amounts will affect the final repayment sum.

What’s next once I’ve used the caravan finance calculator?

The caravan loan calculator is here to help you decide whether a caravan loan is right for you. Now that you’ve got an idea of your buying power, you can start your search for the perfect caravan. 

The loan calculator provides a rough estimate – if you’re after something that gives you a more precise look at your potential buying power, consider a personalised quote. You can easily apply for a personalised quote online – our credit experts will provide an indicative rate and loan terms based on the information you submit.

Frequently Asked Questions

Understanding caravan finance calculators

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.

Calculating finance terms

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.

Loan application and approval process

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.

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.

Special circumstances and considerations

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.