Caravan Finance | Cheap Caravan Loans - JADE

We will not be beaten on Interest Rates
  • No impact on credit score
  • Low rate finance
Your Destination for Affordable Caravan Finance

Just some of the lenders we work with

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Caravan Camper & Motorhome Finance

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.

Unlocking Freedom with Australia's Premier Leisure Finance Specialists

Flexible RV and Caravan Financing Solutions for Every Buyer and Business Need

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.

Comprehensive RV and Caravan Financing Solutions for Every Buyer

Elevate your journey with our expert Caravan Financing

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.

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Cheap caravan loan interest rates

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.

Low Caravan Loan Interest Rates
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Using Jade is the right decision

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.

Choosing Jade is the Smart Decision
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A company that delivers

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.

Enjoy Better Rates and Tailored Loans

Streamline the process to turn your caravan ownership dreams into reality

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

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Diverse financing options for caravans

Discover our diverse range of caravan financing options, including motorhomes, travel trailers, camper vans, and fifth-wheel caravans. We're dedicated to ensuring you have access to top-tier loan solutions, all designed to fit your specific requirements.

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Nationwide coverage purchases

Our nationwide coverage offers customers the added advantage of a company that can facilitate their caravan purchase, regardless of their location in Australia or the whereabouts of the desired vehicle.

In today's market, where online platforms play a dominant role in sales, your Jade consultant can assist not only with your loan but also with other aspects of the transaction.

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Expertise and in-depth knowledge

Our extensive customer base celebrates our expertise and profound understanding of the financing and caravan industries. What distinguishes us is our capacity to source and compare top-notch loans at competitive rates, complemented by our unmatched negotiation skills and unwavering commitment to delivering the finest outcomes for our customers.

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Years of experience with credits and lendings

With extensive experience in delivering enhanced credit and lending solutions to our clients within the caravan industry, Jade has nurtured a robust network, granting us access to a multitude of loan providers and financial institutions. This enables us to comprehensively assess hundreds of available loan products. Our profound expertise in caravan financing allows us to skillfully identify and secure the ideal product tailored to your specific requirements.

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.

  • In general finance is available 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 and slide-ons. Loans can be sourced for both new and used leisure goods 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, you can request a quote for an Unsecured Personal Loan for your purchase.

  • 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 Loan is the most commonly used loan and suits most applicants. Lenders will have a threshold for the age of used goods that they will finance. This may be around 12 – 15 years but will vary from lender to lender. For those purchasing a used van which is outside the age threshold for a secured loan, an Unsecured Personal Loan may be an option.

  • With a Secured Loan the leisure goods is offered as security against the loan. The borrower repays the loan in monthly instalments and when the loan 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. As there is no security, the interest rate on this type of loan is higher than for a secured loan and additional conditions may be applied by the lender. The lender may request additional security from the buyer in the form of other property, goods, assets or personal guarantee for unsecured loans.

  • Applying for caravan finance is a straight forward process in accordance with the consumer credit laws. You can apply over the phone or you can apply via an online application form. You will 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. Personal caravan financing is regarded as consumer credit and ASIC have guidelines that licensed credit provider must adhere to.

  • The loan term offered to individual loan applicants will depend on a number factors but in general, loan terms range from 2- 7 years. 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 be achieved on new caravans compared with used caravans. In discussion with a broker or lender, you can advise of your preference for loan term.

  • Banks and lenders will advertise a general interest rate on their 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 lenders when offering a quote. The interest rate offered for individual caravan loan applicants will vary based on the individuals credit profile and application details. The rate you are offered may be in line with the rates currently advertised or it may be higher. Interest rates on unsecured loans will generally be higher than the rate for secured loans.

  • Yes, both Secured Loans and Unsecured Personal Loans used to buy a caravan, 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 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 no break fees normally. 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.

  • When you approach sourcing a caravan loan yourself, you will be limited to those lenders that are available to consumers and offering caravan 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 strict conditions. In contrast, finance brokers 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. Brokers may have significant bargaining power in which enables them to achieve better interest rates which are individually negotiated for each of our customers.

How we have helped Australians like you

Walkabout Caravan Services
Walkabout Caravan Services
19 October 2023
Great to deal with quick & easy, great rates!
Karlene Cunneen
Karlene Cunneen
9 October 2023
Excellent customer service from start to finish. Thank you Ezra for making it so easy.
3 October 2023
Josh and Jade Finance collectively were absolutely amazing. Such an efficient and easy process which could otherwise be quite daunting. Very happy with the service provided and will be back in the future!
30 September 2023
Fast, professional and friendly. Good service when looking for a caravan loan.
Steven Watkins
Steven Watkins
17 August 2023
This is our second caravan financed with Dave and his team at Jade and as per the last it was a hassle-free procedure from start to finish. Thanks Guys
Rachel Rogers
Rachel Rogers
16 August 2023
Would definitely recommend Jade Finance! Jess so super helpful and easy to deal with! We received a pre approval, checked out our van, and drove it home all within 3 days! Will definitely contact her in the future for our finance needs!!
Lisa Howell
Lisa Howell
26 June 2023
We have just purchased our first caravan with the help of Lucas, we highly recommend Jade Finance, competitive and great customer service. Thank you Lucas.
Lee Milligan
Lee Milligan
23 May 2023
Scott from jade finance was very easy to talk to about my needs and was prompt to organise everything.. Couldn’t be happier with them for getting it sorted so quick for me would recommend them.
Shane Lodding
Shane Lodding
8 May 2023
Lucas was so helpful he found me a great deal to buy our first caravan highly recommend Jade.
Nino DAmico
Nino DAmico
8 May 2023
Amazing Service from Brenton and Matt and Jay, I thank you both for your service in assisting me to purchase my new caravan. Jade Finance have been amazing, your communication is above and beyond. Response times are crazy fast and we have been kept up to date every step of the way. I will be recommending you to our friends and family. Thanks again.

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