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Embark on adventures with a caravan loan

Set off into the open roads and explore Australia’s vast landscapes with a caravan, made more accessible through Handy Finance’s Caravan Loan options. Say goodbye to the worry of a big upfront payment and enjoy your travels with manageable and affordable repayments.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-7 yrs Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Caravan loan calculator

Estimate how your repayments could look like so you can start your journey to a greener future with complete transparency.

Calculator
Calculator
$25000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
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.
Fund
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.
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Find the perfect new or used caravan with a loan from Handy Finance

Experience the joys of the open road and the comforts of home wherever you roam. Handy Finance Caravan Loans equip you to embrace the adventure now, without the wait. Whether you’re looking to add a caravan, a car or a boat to your life, our team are here to make financing simple.

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A quote won’t impact your credit score

Frequently Asked Questions

Caravan loan basics

At Handy Finance, we offer secured caravan or camper loans of up to $75,000. Secured loans require collateral, and in this case, the caravan you want to purchase will act as collateral. Rather than releasing the loan funds directly to you, we pay the loan amount directly to the private seller or dealer, releasing your chosen caravan to you. The caravan acts as security as you pay back the loan. The interest rate for the loan is still fixed, and you have the option to choose between one and seven years to pay back the caravan loan.

Choosing a loan from Handy Finance for your camper or caravan spreads the cost over time, making it easier to manage financially.

  • It’s a great way to own a caravan without putting a strain on your savings, leaving you free to use your money for other things. 
  • Our loans offer flexibility in financial planning, so you can enjoy your new caravan or camper without the worry of a big upfront payment.
  • Securing a caravan loan expands your purchasing power, allowing you to explore newer or safer caravan models that might have been unaffordable upfront. 
  • Taking out a caravan loan can also help you to establish a positive credit history. A caravan loan is a great way to demonstrate to future lenders that you are responsible with money and can be trusted to make repayments on time. A good credit history can also help you secure a better interest rate for future loans. 

You can use a Handy Finance Caravan Loan to buy vehicles like caravans, camper trailers, and campervans. Whether looking at brand-new models or considering a used option, our loan gives you the flexibility to choose the one that best meets your needs.

At Handy Finance, we mainly provide secured caravan loans. This means the loan is backed by the caravan or camper itself, which can mean lower interest rates. Our Handy Finance Caravan Loans also come with fixed rates, making your repayments more predictable and easier to manage. You can pay off your caravan loan in weekly, fortnightly or monthly instalments. We don’t charge an early repayment fee either – so if circumstances change, you can pay off your loan early without worrying about any extra costs. Give our loan experts a call today to find out more. 

Applying for a caravan loan

Applying for caravan finance with Handy Finance is easy. You can apply online and request a free quote to give you an idea of the loan amount and terms you’d get. This should be ready within minutes. Complete your application online, remembering to include the required documentation – identification documents, proof of income, and any information about the caravan you want to buy. If your application is approved, the money will be delivered to your account within 24 hours.

When you apply for a Handy Finance caravan loan, you’ll need to provide identification documents (such as a driver’s licence or passport), proof of income, and information about the caravan or camper trailer you plan to buy.

We work quickly at Handy Finance. After you apply, you’ll get an indicative decision in seconds. Once you’re approved, the funds should be in your account within 24 hours, making the whole process efficient and straightforward.

Pre-approval for a Handy Finance caravan loan is about giving you an idea of what you can borrow based on your financial situation and creditworthiness. Just apply online, and we’ll quickly get back to you with a loan amount that suits you. Our pre-approvals last for 1 month, giving you time to plan. Once you decide, we can settle your loan within 24 hours.

Loan amounts and down payment

The amount you can borrow for caravan finance will depend on various factors such as your credit score, income, and the cost of the caravan or camper trailer you intend to purchase, but generally, Handy Finance caravan Loans can range from $2,001 to $75,000.

We offer a no-deposit option, so you might not need any down payment at all for your caravan loan.

Eligibility and requirements

To get a caravan loan, you must meet the following criteria:

  • You need to be 18 years old or older
  • You need to be a citizen or permanent resident of Australia
  • You need to have regular income from active employment (this includes self-employment)
  • You cannot have a history of bankruptcy or be in financial hardship with a different lender.
  • You should also ensure you don’t have any outstanding or unpaid defaults. 

When you apply, you’ll also need to provide documentation proving all of this: ID such as a driver’s licence or passport and recent bank statements.

Yes, for a Handy Finance caravan loan, the caravan or camper trailer itself usually acts as security. This means secured caravan loans typically have lower interest rates compared to unsecured loans. By tying the loan to the asset, you benefit from saving on interest, leading to a lower total cost over the life of the loan.

Handy Finance offers loans for both new and used caravans. There’s no age limit on the caravan you choose, giving you the flexibility to select the perfect one for your needs and budget.

Loan management and fees

Yes, you can use a Handy Finance loan to buy a caravan from a private seller, giving you more purchasing options when shopping around as well as more choices to find the right deal.

At Handy Finance, you won’t face any fees for making extra payments on your caravan loan. This is a good strategy to reduce your loan balance faster, which can cut down on the total amount of interest you pay. Plus, it means you could finish paying off your loan earlier than planned.

Yes, Handy Finance offers caravan loan refinancing options. This can be a smart choice if your financial situation changes and you need a loan that better fits your new circumstances.

Additional information

The rate which caravans lose their value can vary. Brand, model, how well you maintain it, and usage all play a part. New caravans might lose value quickly at first, but this slows down as they get older. Keeping it in good shape can help it keep its value.

There are several places you can buy a caravan. Dealerships are a popular choice because they usually offer warranties and reliable service. Another option is buying from private sellers, who may offer more flexible pricing, though without the same level of assurance you’d get from a dealership. You can also explore a wide range of caravans through online platforms, where you can compare various makes and models. Handy Finance accommodates caravan purchases from most sellers, giving you the freedom to choose the best option that aligns with your requirements and preferences. We aim to make your caravan finance experience as convenient and personalised as possible, supporting your purchase choice, whether it’s from a dealership, a private seller, or online.

A comparison rate is really useful when you’re looking at caravan loans. It takes the interest rate and the loan establishment fee and combines them into one percentage. This gives you a clearer picture of the total cost of the loan. It’s a great way to compare different Handy Finance loans and find the one that’s best for you.

Our caravan finance terms are flexible, ranging from 1 to 7 years. This lets you set a repayment plan that fits your budget and financial plans. You have the option of repaying your loan in monthly, fortnightly or weekly instalments.

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Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

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