What is a pre-delivery caravan loan?

A pre-delivery caravan loan is an RV finance application which has conditional approval by a lender in advance of the buyer taking delivery of their vehicle. With many caravans and other RV models built to order with long delivery times, conditional finance approval provides buyers with confidence to place their order.

With their finance conditionally approved, buyers know what they can borrow and can proceed to specify their vehicle with the manufacturer to suit their budget. It can also provide buyers with the assurance that when the vehicle is ready for them to take delivery, they will have the funds to finalise the payment.

Pre-delivery Caravan Loan Overview

While a similar concept to pre-approved finance, pre-delivery finance is typically secured further ahead of delivery than pre-approval. Pre-approval may be sought 4-6 weeks prior to purchase. Often by buyers attending RV and outdoor expos. In comparison, pre-delivery approval may be sought months in advance, even before the vehicle build has commenced.

The buyers will need to an indication of costings from the manufacturer in order to provide a finance amount for the application. Most manufacturers will be able to provide price guides for different models, plus the costs of the extras and options. Many models offer buyers optional finishings and fixtures with varying prices. These can be selected for inclusion in the finance. Alternatively, buyers may apply for their finance, allow the lender to determine their borrowing capacity, and then specify their requirements to the manufacturer.

The application is assessed based on the borrower’s current financial documentation and credit score and the amount required. Approval is given conditionally. That means, any offer is conditional on the scenario when the funds are required. Variables may include interest rates, financial situation, and the exact amount required.

Where interest rates or other factors change between application and when the funds are required, any offer may vary. This typically occurs when delivery time is 4-6 weeks out. The buyer contacts their lender or their Jade broker, with the required final details. The loan offer is adjusted accordingly so settlement can proceed.

Where manufacturers require progress payments throughout a long build time, buyers can speak with our Jade brokers about arranging access to funds in line with these requirements.

Credit Types Available for a Pre-Delivery Caravan Loan

Regardless of the time between applying for finance and requiring the funds, the same credit products apply for financing recreational vehicles. Finance prior to delivery is predominantly requested for new models. Most buyers will select a Secured Caravan Loan.

A secured loan allows for the vehicle to be the collateral for the finance with most buyers not required to provide other assets as security against the funding. The interest rates are fixed and fixed terms up to 7 years are available. A fixed monthly repayment schedule is provided.

As the vehicle is used as loan collateral, comprehensive insurance of the vehicle is required.

This credit product attracts the most competitive rates from lenders. To start planning the finance you require for your custom-built RV, refer to our latest rates and use our Finance Calculator.

Are there advantages with a pre-delivery caravan loan?

The advantages of having financing secured before ordering a new RV may vary with individual buyer objectives, circumstances and requirements. For many, it is the confidence they receive by knowing they are approved for finance and for what borrowing limit. For others, it is having that assurance and a borrowing limit to plan their van build.

The options available with many new models can vary significantly in price. Specifying preferences without knowing the budget, may present a risk of not having the funds to pay the vehicle when built. Placing the buyer in an awkward situation.

Who should apply for a pre-delivery caravan loan?   

There can be many buyer profiles for whom conditional pre-approved pre-delivery finance is an ideal solution. Primarily these can be buyers ordering custom-builds or vehicles which are to be imported. Both these scenarios can present advanced delivery timings.

This service can also suit buyers attending RV shows. If attending a show in 4-6 weeks, pre-approval would be ideal. Such as the late November Geelong show. But if planning to order at the Geelong Outdoor Living Caravan Expo in mid-January, getting conditional pre-delivery approval now may suit.  Pre-delivery loans may also suit buyers planning well ahead for ordering at the Supershow in Sydney in April-May 2026.

Our processes and services are the same regardless of the timeframe between applying for finance and when you require the funds. A broker is assigned to handle your individual requirements. The most suitable credit product and the most competitive rates are sourced from our 80+ lender base. Your loan is individually structured to best suit you and your vehicle.

To apply for a pre-delivery caravan loan or to discuss your options, contact Jade Caravan Finance 1300 000 003

DISCLAIMER: THE DETAILS AND INFORMATION IN THIS CONTENT ARE PREPARED AND PRESENTED PURELY FOR INFORMATION AND NOT INTENDED IN ANY WAY AS THE SOLE SOURCE OF FINANCIAL ADVICE FOR CARAVAN PURCHASING. IF ADDITIONAL FINANCIAL ADVICE IS REQUIRED, READERS SHOULD REFER TO A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ANY ERRORS, PRODUCT DESCRIPTION VARIATIONS, OR OTHER MISREPRESENTATIONS OF INFORMATION AS PRESENTED.