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Caravan Finance | Cheap Caravan Loans - JADE

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3 Dec Today's
best rate
Caravan loans from
4.45 %
Fixed
With a low
5.25 %
Comparison*
*The Comparison Rate is calculated on a Secured Loan of $40,000 fixed for a term of 5 years, new goods, effective 03/12/2020 and subject to change. WARNING: The Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

Caravan Camper & Motorhome Finance

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Freedom, flexibility and independence are what differentiates the leisure lifestyle from other holiday, travel and living experiences. We share your free-spirited approach to life and supports everyone to enjoy the same experience with great caravan, RV and motorhome loans. We are Australia’s leading specialist in leisure lending and our years of experience, depth of expertise and huge bargaining power has propelled Jade to this enviable position in the market.

Interest rates drive credit and we are driven to continually achieve the cheapest interest rates for our leisure finance customers. Cheap interest rates and the most competitive loan packages are what defines a good financial package for the purchase of your leisure traveler or travel trailer.

As an Australian finance brokers, we are accredited with many banks and lenders so we have a vast selection when it comes to sourcing you the best loan for your liesure goods. We use our superior negotiating skills and the full strength of our buying power to secure you the cheapest rates.

For individual, personal buyers we offer Secured Finance and Unsecured Personal Loans for the purchase of the full range of RVs, motorhomes, caravans, campers and camper trailers.

Companies purchase vans for use as remote site offices or staff accommodation and other business purchasers, we provide the full range of commercial finance products including Chattel Mortgage, CHP, and Leasing.

Lending is available for new and used vehicles, purchased from dealers, private sellers and auction and for all manufacturers, makes and models. We have a national presence so we can assist with your caravan purchase in all states and territories, from capital cities like Sydney, Perth, Melbourne, Brisbane, Adelaide to the most remote locations in Australia.

For a loan which is tailored to suit your leisure goods, your specifications and your lifestyle, contact us today. You’ll be assigned your own professional consultant to streamline the process, source you the cheapest loan offer and assist with the paperwork and many other aspects of the sale.

Contact us today and you’ll be living the idyllic leisure life in no time.

Compare caravan finance from major lenders in Australia

Want to finance your dream caravan? Our comparison calculator can help you calculate monthly repayments from reputed lenders in Australia and help you save!

Loan Amount
Loan Term
Jade
Secured Caravan Loan
4.45% Secured
5.25% Comparison
$631.25
Monthly repayment
CBA
Variable Rate Personal Loan
13.50% Variable
14.37% Comparison
$859.25
Monthly repayment
ANZ
Variable Personal Loan
12.99% Variable
13.86% Comparison
$846.5
Monthly repayment
NAB
Variable Rate Personal Loan
12.69% Variable
13.56% Comparison
$839
Monthly repayment
St George
Fixed Rate Personal Loan
11.49 % Fixed
12.57% Comparison
$814.25
Monthly repayment
Suncorp
Fixed Rate Personal Loan
10.49% Fixed
11.08% Comparison
$777
Monthly repayment
Westpac
Fixed Rate Personal Loans
11.99% Fixed
13.15% Comparison
$828.75
Monthly repayment
CUA
Variable Rate Personal Loan
11.89% Variable
12.15% Comparison
$803.75
Monthly repayment
Lender Product Name Advertised Rate Comparison Rate Monthly Repayment
Jade Secured Caravan Loan 4.45%Secured 5.25%
$631.25
CBA Variable Rate Personal Loan 13.50%Variable 14.37%
$859.25
ANZ Variable Personal Loan 12.99%Variable 13.86%
$846.5
NAB Variable Rate Personal Loan 12.69%Variable 13.56%
$839
St George Fixed Rate Personal Loan 11.49 %Fixed 12.57%
$814.25
Suncorp Fixed Rate Personal Loan 10.49%Fixed 11.08%
$777
Westpac Fixed Rate Personal Loans 11.99%Fixed 13.15%
$828.75
CUA Variable Rate Personal Loan 11.89%Variable 12.15%
$803.75
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* Personal caravan loan with the loan amount of $30,000 is looking at a 5 year secured fixed rate. WARNING: all fees and charges may not be included on the example above, only the comparison rates, monthly repayment and total cost applies. Therefore, the total cost of the loan might be different. Comparison rate do not include broker fees, redraw fees, early termination fees and fee waivers. Comparison rate may change as a result of the different loan terms, fees and the loan amounts.

Caravan finance Calculator

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General Caravan Loans FAQs

We have worked to providing extensive information across all pages on our website, but we fully understand that you may still have questions you would like answered before you proceed with a loan application. In this section, we answer a number of specific questions and invite you to contact us with any individual issues. There is no obligation to proceed with a loan when you phone us with your questions, so please reach out on 1300 000 003.

Do you provide loans on all types of caravans?   

In general, Jade Caravan Finance provides finance for all types of caravans and recreational vehicles under the broad umbrella caravan category of vehicles.

This includes:-

  • Traditional caravans
  • Off road and semi off road caravans
  • Camper trailers
  • Mobile Homes
  • RVs
  • Pop-tops and slide-outs
  • Slide-ons

Loans can be sourced for both new and used caravans but some lenders will have conditions around offering loans for caravans depending on the age of the vehicle.

The Secured Caravan Loan is the most popular form of finance and suits most applicants and most caravans. For caravans that do not meet the lender requirements for a secured loan, your Jade consultant can proceed to source you a quote on an Unsecured Personal Loan for your purchase.

Is there a difference between new and used leisure camping loans?   

There can be but at Jade we deal with each loan application on a personal and individual basis so we like to avoid blanket statements in this regard. Lenders will consider the age and in some cases the condition of a used caravan when assessing a loan application. For new caravan purchases, the Secured Caravan Loan is the most commonly used loan and suits most applicants.

 

Lenders will have a threshold for the age of used caravans that they will finance. This may be around 15 years but will vary from lender to lender so it is advisable to discuss this with your Jade consultant.

 

As we are accredited with a large number of lenders, we have access to lenders that are more amenable to discussing loans for older caravans. We appreciate the growing trend to purchase older, vintage and retro vans for restoration into contemporary touring spaces. For those purchasing a used van which is outside the age threshold for a secured loan, we offer the Unsecured Personal Loan option.

What is the difference between secured and unsecured loan?    

With a Secured Loan the leisure goods are offered as security against the loan. The borrower repays the loan in monthly instalments and when the financing is finalised, the lender releases the security against the loan. If the borrower defaults on their payments, the lender has the right to repossess the goods.

 

With an Unsecured Personal Loan, there is no security against the loan. This may occur with older liesure goods and where an overall application does not meet the lender conditions. As there is no security, the interest rate on this type of loan is sometimes higher than for a secured loan and additional conditions may be applied by the lender. However, your Jade consultant will be working hard to negotiate our trademark better interest rate, regardless of the type of loan. 

 

The lender may request additional security from the buyer in the form of other property, goods, assets or personal guarantee for unsecured loans.

How do I apply for a caravan loan?   

Applying for caravan finance with Jade Caravan Finance is a straightforward process in accordance with the consumer credit laws and reposonsible lending guidlines set by ASIC. As your first step, you can choose to simply phone us and proceed with application form with one of our consultants or you can apply via our online application form.

 

You may need to provide documents and details in regard to:- proof of your identity, employment or other income sources, income and outgoings, residential details, other loans debts including credit cards, assets and property you own, details of the caravan you intend to buy and other aspects. You will need to sign a consent form which gives us authority to seek finance on your behalf.

 

Where caravan finance is regarded as consumer credit and ASIC have guidelines that licensed credit providers such as Jade must adhere to. We follow the legal processes but still ensure a streamlined loan application process for our customers.

 

When your consultant has the required information, we proceed to source you a loan quote. When you accept that quote we continue with application processing and handle the paperwork for you.

What loan term can I get for my caravan loan?   

The loan term offered to individual loan applicants will depend on a number factors but in general, Jade Caravan Finance loan terms range from 2-7 years.

 

As we treat every application on an individual basis, your consultant will be negotiating with different lenders to achieve the loan term that you prefer. Individual lenders will have conditions around loan terms based on their risk assessment of the applicant, the loan amount being requested and specifics of the caravan.

 

Longer terms can sometime be achieved on new caravans compared with used caravans. In your initial discussion with our consultant, let us know your preference for loan term so we have a target to work towards for you.

What is the interest rate on caravan loans?   

Jade advertises a general best interest rate on our website and that rate varies over time depending on general lending conditions in the finance sector. It should be used as a guide only as each application is assessed individually by our lenders when offering a quote.

 

The interest rate offered for individual loan applicants will vary based on the individual’s credit profile and application details. The rate you are offered may be in line with our currently advertised rate or it may be higher.

 

Interest rates on unsecured loans could sometimes be higher than the rate for secured loans.

 

Jade is committed to achieving the cheapest interest rate for every customer and our accreditation with a large number of lenders enables us to source the cheapest loans.

Can I make extra payments on my loan?   

Yes, both Secured Leisure Loans and Unsecured Personal Loans used to buy, allow borrowers to make extra payments. Additional payments may be made regularly or on a one-off basis.

 

The issue to consider if you choose to make additional payments while maintaining your scheduled repayments is that you will pay off your loan earlier than the fixed loan term. When a loan is paid out early, break fees may apply.

 

For Secured and Unsecured Loans on a fixed interest rate, the break fees are minimal. For Unsecured Loans with a variable interest rate, there are normally no break fees. The break fees that apply to your specific loan can be advised at the time the loan contract is arranged. Alternatively you can contact your lender for details.

 

If you do consider you will want to make additional payments, you may like to consider increasing the repayments at the start of the loan. That way you will pay off the loan earlier, incur less interest overall and not incur break fees.

How can you secure me a cheaper loan?   

When you approach sourcing a loan yourself, you will be limited to those lenders that are available to consumers and offering leisure finance. Some major banks offer personal loans for caravans and a raft of finance companies also. But you will usually be offered the standard interest rate and need to meet their individual lending conditions.

 

In contrast, Jade is a leading lender in lifestyle finance and we are accredited with a large number of banks and non-bank lenders. Many of our lenders only work with brokers and they are more amenable to being flexible and negotiating on interest rates and conditions.

 

As we have significant bargaining power in the lifestyle finance sector, we can achieve better interest rates which are individually negotiated for each of our customers.

 

By engaging Jade to source your caravan loan, you have the expertise and experience of finance professionals working in your best interests.

Why Use Jade Caravan Loans

How Do We Get Interest Rates So Cheap?

Cheap interest rates are what defines and differentiates us from others. We utilise our superior skills in negotiating with our vast selection of lenders and banks and push our bargaining muscle to get our customers the cheapest rates. Your Jade consultant is solely focused on your interests and sourcing you the best deal.

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Why Use Jade Caravan Specialists?

Engaging a specialist leisure market finance broker gives you the competitive advantage when seeking a loan. We are specialists in this sector of the finance market and have acquired a wealth of experience and knowledge which we use to achieve the best loan offer for you.Not all banks and lenders will have a caravan or motorhome loan product and may offer you a more generic loan product, priced at a higher rate than a specialist loan. Jade’s specialisation allows you to tap into the lenders that do offer finance at the better rates.

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A Company You Can Trust!

We are here to help and work for you. Not the banks! We do not just want to arrange your new loan for, we want you as a customer enjoying the best in caravan loans interest rates and suitable tailored financial packages. Better Rates, Better Loans.

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