Caravan Loans Interest Rates - Compare Finance Rates

We have taken the complexity out of converting and comparing advertised interest rates to what they may mean for you in terms of loan repayments. Simply enter the amount you want for your loan and how long you’d like to repay that loan and our comparison tool calculates possible repayments. Easy, quick and immensely useful in sourcing your loan.

Compare Caravan Loans Interest Rates

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Why Use Jade Caravan Finance?

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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.
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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.
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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.
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Caravan Finance Interest Rates

Interest rates fascinate and frustrate for good reason. They are a key factor in many aspects of our lives. That percentage point or fraction of a basis point difference can add up to a significant difference on what you pay out in your hard-earned money on a loan over the full financial term. So sourcing the lowest rate loan offer can pay dividends in what you don’t have to pay to the lender and can use on your own travel experiences.

  • Cheap personal loan and business finance offers
  • Low-rate loans on new and used models
  • Cheaper loans across all makes and models
  • Lowest loan prices on the off-road, traditional, hybrid, semi-off-road, pop-tops, slide-ons and more!
  • Manufacturer, dealer and private sale purchases
Best Interest Rates for Caravan Financing

Compare Caravan Finance Rates across Major Lenders

We’ve taken the time out of comparing loans available from many lenders by compiling this handy reference chart which also doubles as a caravan loan repayment calculator. Immediately see the offers from these banks and finance companies. By entering your loan amount and preferred term, the system auto-calculates to display repayment estimates for every lender.

Quick, easy, convenient and a great time-saver and potential money-saver. You can immediately see which represents the cheapest offer and come straight to us to source you a confirmed quote.  To see how much you could save, just compare the monthly estimated repayments across the market and you’ll quickly appreciate the large significance of those seemingly small variations.

Caravan Financing Rates from Leading Lenders

Best Caravan Loan Rates Australia

Get a quote from our company! We’re specialists in cheap finance rates and we handle caravan loans Australia-wide. Lenders price their loans differently across different market sectors based on numerous factors including how active they are in that area, their costs of lending, their risk assessments and the key factor – their flexibility to negotiate with lenders like us!

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Used Caravan Financing Rates

Purchasing used goods can often raise questions and loan pricing with lenders. Some lenders will price loans on used goods higher than for new goods. The age and condition of the item are taken into consideration when pricing a loan.

But that doesn’t necessarily have to mean a significantly higher rate for your used vehicle loan. As specialists in this sector of the leisure goods market, we have a vast range and number of finance connections to source the cheapest loan offer regardless of the condition of the goods.

Request a quote to find out how low your repayments maybe with our lender service.

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No Doc Caravan Finance Interest Rates

When setting up a business or relatively new, many operators won’t have the necessary financial records and accounts documents that are requested by many banks and some lenders. In those instances, we offer no doc caravan finance.

A widely-held misconception around this type of loan is that it will be priced at a much higher level than a fully documented business loan. That is not necessarily the case.

Where an applicant has a good credit record and meets the lender criteria in other areas, we can achieve the same low-rated loans as we do for businesses with all the documentation required. We achieve this through our industry-level connections with non-bank lenders that are more flexible and specialise in these types of finance.

To discuss your no doc loan options and the cheap priced lending we can source for you, just give us a call.

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No Deposit Caravan Loan Rates

While some lenders will base their loan pricing on the total amount of the loan, it can be a myth that paying a deposit will result in getting a better rate. Normally this is not the case. Borrowing 100% of the purchase price of the goods is quite popular, accepted and commonplace and does not in itself determine the loan pricing. The same loan offers can apply equally to loans with or without a down payment being made.

With the current financial environment, it can make a lot of sense to borrow the full purchase amount and even add those optional extras and accessories into the loan. With the fixed elements of the loan, it will be all set and remain so over the entire loan term. Click to read more on no deposit caravan loans.

Use our caravan loan calculators to see the difference in repayments with and without a down payment.

You may discover that loan quotes will vary based on:

  • The amount of the loan you request
  • The loan term you request
  • The condition and age of the goods being purchased
  • Your credit rating

We have accreditation with over 60 banks and non-bank lenders so we have the field totally covered for you. But we don’t leave you to do the searching yourself. We’ve compiled a table of lenders that offer loans in this field, with their prices so you can see for yourself how much cheaper our offers can be compared with the market.


Plus, we then go out and organise the loan for you. We source the cheapest deal from across our lender connections and do the negotiating to drive the pricing and conditions down and assist you with the paperwork and settlement.

The estimates you’ve calculated meet your ballpark? Let’s take it to the next level with a confirmed quote on our low-rate loans.

  • Request a quote online
  • Call us to discuss and request a quote
  •  Apply immediately via our online form or over the phone

Speak with a Jade lending expert to discuss a loan. Call 1300 000 003.

The big question that people with credit issues want to know is are the rates higher for bad credit loans and how much higher? Assessing credit scores and history is a key part of the process that lenders undertake in assessing loan applications. The credit rating is considered as an indication of the risk associated with the applicant and rates are very much about risk.


As a general guide, loans to applicants with poor credit or other credit issues do tend to priced higher. However, the pricing can be assessed based on the specifics of the issues. With the sharp negotiating skills of our experts and our access to a diverse selection of lending sources, we have an impressive record of achieving affordable, workable finance deals for our customers with credit issues. Handling the process yourself can actually exacerbate the situation as applications for loans are entered on a credit report and multiple applications can reflect poorly on the individual.


Our services are confidential and there is no obligation attached to requesting a quote and engaging our professional resources and expertise to assist in sourcing you a well-priced loan.

Compare rates, compare loans and, most importantly, compare how much you can save with a better-rated loan. This is a real thing, extremely easy and we make it possible right here.


Two big pain points when buying major goods and sourcing financing for the purchase are converting the selling prices to loan repayments and converting lender interest rates to repayments. Both prices are easy to find but putting them into perspective in regard to your purchase is the challenge.


We’ve cured your pain with our loan calculators.

  • Self-serve rate comparison calculators
  • Free to use
  • Current data and figures
  • Easy to use, no maths expertise required

On our lender comparison chart, we display the offers from a large section of the market.

  • All you need to do is enter the amount you want to borrow and how long you’d like to pay off the loan the system auto-calculates the repayments across the entire table.
  • Instantly see what you’ll save or what it will cost you extra depending on the lender you select.
  • Vary the loan amount to compare different makes and models.
  • Decide between new and old by comparing repayments.
  • Select the lender that will save you the most – the one with the lowest rates.

Our caravan finance repayment calculator allows you to vary the loan term to see how repayments vary. Great tool for planning how you would like us to shape your loan.

Start calculating comparisons now and get your purchase plans underway!

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DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

We work harder to secure the best rates.


In order to provide the best experience, your details are saved on our secure server as you enter them.

Caravan Loan Interest Rates FAQs

Interest rates are often a hot topic of discussion in many social circles. But rather than rely on hearsay and campfire conversations to make decisions around your loan, we recommend you consider our expert information. To clarify and elaborate on the points we have covered in our web pages, these FAQs drill down to more direct and precise topics which we trust will be helpful to you. Be mindful that our lenders offer interest rates on loans based on an individual assessment of each loan application. So the easiest way to find out exactly what the interest rate will be on your loan is to request a quote from us.

  • Secured Loans are arranged at a fixed interest rate. This means the rate that we achieve for you will remain the same, remain fixed, for the full term of the loan. It will not change in response to fluctuations in the official interest rate as set by the RBA. Unsecured Personal Loans, which are available when the caravan is not accepted as security against the loan, can be at a fixed or a variable interest rate. This will be discussed with you at the time you arrange your loan and dependent on issues around your application. With a fixed interest rate loan, you have certainty that your repayments will remain the same at the fixed amount which is arranged when the loan is secured.

  • The interest rates offered by individual banks and lenders for caravan finance will be determined by their exposure to the sector, the cost of securing their own funds and general economic conditions. Lenders that are more active in the leisure lending market may tend to offer more attractive interest rates than lenders that are less interested in lending for this purpose. From the base industry rate, loan applications are assessed for risk and other factors and a specific interest rate is offered based on that assessment. The interest rate you will be offered for your caravan loan may be in line with an advertised rate or higher. The comparison interest rate is the interest rate calculated when all fees and charges are accounted for and the advertised comparison rate is based on a specific example. You will see in the fine print the details of that specific example. When comparing interest rates from different lenders for consumer finance you should check the comparison rate.

  • 0% interest rates are usually offered by sellers as an advertising element to attract buyers. This type of loan offer often only includes the 0% rate for a short period and when that time expires, a much higher rate is applicable. 0% interest rate loans often conceal much higher lender fees and charges which allow the lender to recoup the loss on interest that would normally be charged. When considering a 0% interest rate loan, buyers should ask for the comparison interest rate or request a total loan amount quote. A total amount should show the total cost of the loan which includes all the interest and charges over the full term of the loan.

  • Each caravan loan application is addressed individually and loan offers are sourced and negotiated with lenders on an individual basis. The rate achieved for you will be based on your application. Lenders assign interest rates based on an assessment of the credit profile which includes the ability to repay the loan. To achieve a cheaper rate, applicants can look to improve their credit profile by fixing any issues in their credit report. They may also look to address issues around reducing other debts and other factors which may result in a better interest rate being achieved. The age of the caravan may also be a contributing factor. The older the goods sometimes reflect the higher the interest rate.

  • No. The rate applicable to lending is set when the lender assesses the application. Secured loans typically have a fixed rate and unsecured lending can be fixed or variable. Unlike some types, the fixed rate in this category remains in place and constant over the entire fixed loan term. If a borrower chooses to make extra payments in addition to the required monthly repayments, the term will be reduced and the total amount of interest will be reduced by the rate remains the same. Making extra payments results in owning the goods earlier and reducing the term but attracts break fees with some loan types.

  • In principle, the term of a loan should not impact the rate offered by a lender to an individual applicant. The rate is determined by consideration of a range of factors including the credit profile and financial situation of the applicant, the goods and the lender’s preparedness to extend finance in that market. Terms for this category range from 1 through to 7 years at advertised rates across the lending market. However, the comparison rate will be different for different terms as the fixed fees and charges would be spread over a different time frame and this would impact the comparison rate. The advertised rate would be the same across the terms but the comparison rate may vary.

  • No. Pre-approved loans are arranged in advance of a buyer making a commitment to purchase goods. These lendings are available across all goods in this leisure market category and attract the same rates, terms and conditions that are arranged after the purchase has been committed to. This is consistent across all lending types including secured and unsecured personal loans and the full range of business finance facilities. Pre-approved lending can be particularly useful for buyers attending shows and expos where show deals are available. When using a repayment calculator to generate estimates for pre-approved financing, the same rate can be input as for post-purchase loans.

  • Yes. The credit profile and specifically the credit score of an applicant is a major determinant when a lender assesses an application. A credit score or rating is accrued by credit reporting agencies based on a person’s loan and debt repayment history, credit applications, defaults and other financial dealings. Details on these issues are submitted by credit providers, utility providers and others to the reporting agencies. A bad credit rating would not be expected to attract as low a rate as a good credit profile. In order to achieve the cheapest rate possible, applicants can improve their credit score by taking action to fix any errors or outdated entries.