Generated by All in One SEO Pro v5.0.1.1, this is an llms-full.txt file, used by LLMs to index the site. # Caravan Finance | Cheap Caravan Loans - JADE Use Jade Caravan Finance for low interest rates easy approval Australia wide lending for caravan loans, campers, motorhomes, 5th Wheeler and all RV, online calculator and online best rates available ## Posts ### [Pre-Season Van Check Time. Need a Loan for Caravan Upgrades and Repairs?](https://www.jadecaravanfinance.com.au/blog/caravan-finance/pre-season-van-check-time-need-a-loan-for-caravan-upgrades-and-repairs) **Published:** August 31, 2026 **Author:** Publisher **Excerpt:** A loan for caravan upgrades, repairs, maintenance and servicing may be sourced with unsecured credit products and finance a range of products and services. **Content:** A loan for caravan upgrades, repairs, maintenance and servicing may be sourced with unsecured credit products and finance a range of products and services. The start of spring is a signal that peak holiday and travel season is not far away. For RV owners, that can mean time for a pre-season vehicle check. Whether you’ve been using your van over winter or it’s been locked away in storage, most types and models of recreational vehicles will require annual checks and maintenance. The amount of work required to bring them up to scratch will depend on the individual vehicle and its owners. It may require getting professionals or it may be the time to upgrade with the purchase of accessories and extras. Whatever the choice and whatever is required, covering the costs may be a challenge at the moment, with most household budgets under pressure. Without essential servicing, possibly replacement tyres, etc, the RV may not be usable over the summer. Don’t miss out on caravan holidays this summer. Consider our affordable financing for caravan upgrades, repairs and maintenance. ## What Is a Loan for Caravan Upgrades? A loan for caravan upgrades and maintenance is financing to cover work and goods to repair or enhance a recreational vehicle. The type of expenses involved in these services would not be suitable as loan collateral for a [Secured Caravan Loan](/secured-caravan-finance). Unsecured loans can be a suitable credit facility for this type of expenditure. An [Unsecured Personal Loan](/unsecured-personal-loans) is versatile as it may be used to finance many products and services that cannot be offered as loan collateral. A higher interest rate applies than on secured finance facilities. But [our competitive rates](/interest-rates) may make this a very attractive and workable solution for many RV owners. Unsecured credit facilities are widely available across the consumer credit market and can vary with the type of rate – variable or fixed, the amount of the rate, terms and loan limits. Using a Jade broker to source your financing can cut the time and confusion of finding the most suitable lender and credit product to suit individual requirements. ## What Can Be Financed With Loan for Caravan Upgrades? The products and purposes which may be financed for a caravan with unsecured credit may only be limited by the RV owner’s preferences, needs or wish list. Maybe it’s time to consider an off-road pack if your vehicle is suitable to be adapted to and expand your adventures off the blacktop. Replace worn awnings or create an outdoor space with the addition of an awning. Replace tyres, upgrade solar systems and increase water tank capacity to be more self-sufficient for longer trips. The wish list may include accessories seen at a recent caravan show or that you didn’t include when purchasing the vehicle. If now is the time to upgrade your van with these extras, an unsecured loan allows multiple purchases to be included in the one loan. Get approved for finance for the total outlay required, and buy all the items you want. A loan may cover the cost of purchasing extras and accessories that you install yourself or cover the cost of specialist services and trades to carry out maintenance and servicing on your van. Where professional services are required for repairs and maintenance of systems, electricals, suspension and exteriors, finance can cover the cost of labour, parts and materials. ## Estimate Your Loan, Plan Your Repairs Ensure your van is set up to suit your summer holiday and travel plans. Start planning the upgrades and extras and considering your finance options. While buyers may use [our Caravan Finance Calculator](/loan-calculator) to estimate loans to buy a caravan, this flexible device can also be used to estimate Unsecured Personal Loans. To estimate finance for maintenance and extras, simply use the rate we are currently achieving for Unsecured Personal Loans as a guide. Input an estimate of what you think you may require to cover all your expenses, a term from 1-7 years, and the estimated monthly repayment will be displayed. Change the loan total to add or exclude items and get another estimate. Change as many values as you want until a monthly payment that suits your budget appears. Note the combination that delivered that result and you’re ready to brief your Jade broker on your loan requirements and preferences. ## Be Ready for the Holiday Season – Quick Loan Approval Decisions If you need to book your van in for a service, there could be a wait time and you’ll want to get your booking in ASAP. RV owners can expect quick decisions on their loan application when applying with Jade. We provide answers on applications usually within 24 hours. While unsecured loans are versatile, applicants will still need to meet the eligibility criteria for Consumer Credit and provide financials and ID. When the necessary docs and details have been provided, your Jade broker will source your most suitable and affordable loan for caravan repairs and upgrades. **For a loan for caravan upgrades and repairs, contact Jade Caravan Finance on [1300 000 003](tel:1300000003) or connect online.** *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.* **Categories:** Caravan Finance --- ### [Buying a Caravan for Summer Holiday Travel? Check Latest Caravan Finance Rates and Start Planning Your Loan](https://www.jadecaravanfinance.com.au/blog/buying-tips/buying-a-caravan-for-summer-holiday-travel-check-latest-caravan-finance-rates-and-start-planning-your-loan) **Published:** August 17, 2026 **Author:** Publisher **Excerpt:** Buying a caravan with finance may start with reviewing how Reserve Bank decisions may affect caravan finance rates in the lead-up to the purchase. **Content:** Buying a caravan with finance may start with reviewing how Reserve Bank decisions may affect caravan finance rates in the lead-up to the purchase. Lenders can change the rate on their credit products with changes in the cash rate announced by [the RBA](https://www.rba.gov.au "the RBA"). For buyers planning their purchase in the next few months, that can mean considering several RBA decisions in that time. Buyers will be looking for not only a great price on their RV but a great rate on their financing. If holidaying or travelling this summer in your own new RV is on your ‘to do’ list, then now could be the time to start thinking finance. ## Caravan Finance Rates Update If your plan is to source a loan for a caravan in say October-November to buy in time to set off at Christmas, then any upcoming RBA cash rate decisions may be significant. The Board kept the cash rate on hold at its August meeting, but how long will that last? There has been some talk in the media that a rate increase could be a possibility but is that a real prospect? The RBA Board does not pre-empt their future decisions. Each decision is based on the data available at the time, most specifically, inflation and employment figures and the speed of the economy. The next set of inflation data is due on 26 August from [the ABS](https://www.abs.gov.au "the ABS"). Also relevant to cash rate decisions are any domestic or global issues which could impact the Australian economy. At the moment the most significant global issue is the ongoing crisis in the Middle East. This has affected fuel prices in Australia and the shipping costs of some goods. However, in the August Monetary Policy Decision Statement, the RBA Governor said that the impacts in Australia from the Middle East events had been lower than expectations. The RBA does provide its expectations for inflation and interest rate decisions. At the moment, the RBA does not see the rate of inflation coming down to its 2-3% target until the middle of next year. Without those indications from the RBA, the markets – economists, analysts, banks etc, provide their own outlook for future decisions. Reports currently have just a 50% chance of an interest rate increase in 2026. So what do the RBA cash rate decisions mean for interest rates on caravan and RV loans? Lenders do use the cash rate as a basis for setting the rates they will offer across their loan portfolio. But not all will change their rates following any changes to the cash rate or ‘hold’ decisions by the RBA. Banks and other lenders have their own team of analysts that assess data and make their own forecasts for the economy, which can guide the lending market. This can result in lenders making changes to their rates ,up or down, before a scheduled RBA decision. It also results in variations across the market with the rate that lenders advertised as their best rate for loans for caravans and other goods. Following the recent ‘hold’ decisions, it may be expected that buyers could see rates on caravan loans remain constant at the moment. While there is some possibility of a cash rate increase decision from the RBA this year, it is extremely unlikely that we would see any rate cuts until at least next year. But then, nothing can be ruled out with the unpredictable global events we’ve seen in recent years. With buyers facing a challenging prospect to find which lender is offering the best rates at the time they need financing, relying on our brokers to do that can be a significant benefit. We have a large lender base, are highly competitive with our rates, and have the resources and bargaining power to source the best possible rates from those lenders. To start your planning process, use the rates we are currently achieving as a guide and work up estimates on repayments for different RV makes and models using [our Caravan Finance Calculator](/loan-calculator "our Caravan Finance Calculator"). ## Your Options for Buying a Caravan with Finance To get the best rates, buyers can consider a [Secured Caravan Loan](/secured-caravan-finance "Secured Caravan Loan"). Lenders offer their best rates on this type of loan because the RV is used as collateral. The lender has the assurance that they can recoup money due on the loan should the borrower default and the lender repossess the RV. Buyers should also look closely at the type of rates offered across the market. While our Secured Loans attract a fixed rate of interest, some lenders offer consumer loans for goods such as caravans with a variable interest rate. The key difference is that a variable rate can change if the lender makes changes to their loan rates, which can result in a change to the monthly repayment. A fixed rate does not change. Buyers that secure a fixed rate loan can travel with the confidence that their repayment won’t change with the next RBA decision. Secured loans are the go-to loans for new RVs and for many good quality second-hand models. For professionals to assist you by finding your most suitable lender, loan and best rate, connect with Jade. **When buying a caravan, contact Jade Caravan Finance for the best, latest caravan finance rates. Call [1300 000 003](tel:1300000003) or connect online.** *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.* **Categories:** Buying Tips --- ### [Chill-seeker update – winter RV news: Deals, Shows, Caravan Finance Interest Rates](https://www.jadecaravanfinance.com.au/blog/industry-news/chill-seeker-update-winter-rv-news-deals-shows-caravan-finance-interest-rates) **Published:** June 22, 2026 **Author:** Publisher **Excerpt:** Caravan finance interest rates are set by lenders and based on individual applications, with most lenders holding rates steady after the RBA June cash rate hold. **Content:** Caravan finance interest rates are set by lenders and based on individual applications, with most lenders holding rates steady after the RBA June cash rate hold. Following three consecutive RBA rate increases, the latest decision is welcomed, but uncertainties still remain over the future direction for interest rates across many markets. But for now, if you’re a chill-seeking traveller, then this winter could present great opportunities to buy a new RV with finance and to stay with park discounts. EOFY deals are in full swing, rates are on hold, the Ipswich RV show is coming up, and some park operators are offering discounts. Winter has been one of the warmest on record. While the cold snap will no doubt arrive, conditions could be ideal to get out on the road and enjoy the quieter time for RV travel and holidays. We update on some of the latest news in the RV sector. ## RBA Hold – Caravan Finance Interest Rates Update Those in the market for a new RV and requiring finance, will no doubt be keeping a keen eye on the interest rate situation. Lenders set their own rates and rates in general vary across lending markets in response to cash rate decisions by the [Reserve Bank](https://www.rba.gov.au "Reserve Bank"). At the June RBA Monetary Board meeting, the decision was made to hold the cash rate steady, following three rate increase decisions. In announcing the decision, RBA Governor Michele Bullock said that inflation was still too high, and some businesses were increasing prices due to their own cost pressures. Ms Bullock said that there continues to be uncertainties around the outlook for economic activity and inflation in Australia and the effects of the Middle East conflict. The rate of inflation is likely to stay at a high level for some time, and the Board continues to focus on making sure that the current high levels do not become embedded. Most lenders would be expected to keep their rates steady following this latest decision. The Board next meets to make a rate decision on 10-11 August so buyers may expect current caravan finance interest rates to remain the same at least the next decision. What will happen at the August RBA meeting? Based on the media reports, economists appear to be split on what to expect next. Some saying they do not think the rate rise cycle was over and we could see another 0.25% rise later this year. Others seem to disagree, but amongst those that do, most do not expect rate cuts until possibly 2027. In response to questions on the market’s forecasts in the press conference following the decision, Ms Bullock said that if inflation did not respond as the Board expects it to, then there may be more to do. That typically translates as more increases. Keep an eye on the inflation figures as they are released from the ABS as they could hold the key to what will happen with interest rates. ## Winter Park Deals Winter can be a great time to take advantage of discounts on holiday parks around the country, especially in the southern states. This year, with the downturn in visitors due to the fuel crisis, even more parks may be offering specials to attract visitors. [Barwon Coast Caravan Parks](https://barwoncoastcaravanparks.com.au/ "Barwon Coast Caravan Parks") in Victoria is running an advertising campaign and offering deals to encourage ‘brave souls’ to visit in the colder season. For deals in the areas you plan to visit, check out the big park groups, [NRMA](https://www.nrmaparksandresorts.com.au/ "NRMA") and the [Big 4](https://www.big4.com.au/ "Big 4"). ## New Ipswich Caravan Show The caravan show calendar rolls on through winter with something a little different happening with the [Let’s Go Ipswich Caravan and RV Expo](https://www.caravanqld.com.au/show/2026-lets-go-ipswich-caravan-rv-expo/ "Let’s Go Ipswich Caravan and RV Expo") to be held 28-30 August at Willowbank Raceway. Organisers say there will be a great line-up of RVs to check out and the difference with this show – campers can stay onsite. There will be entertainment and activities as well the exhibitors to check out. Stay across the event website for more details as they are announced, and if you are considering ordering at the event, speak with us first to pre-arrange your finance. ## Securing Best Caravan Finance Interest Rates Ready to take on the chill with a winter caravanning adventure in your new RV? Buying a new or second-hand RV in winter may be a good move. EOFY sales are happening with great pricing on new models. The second-hand market can also present some great buys in the colder months as owners looking to upgrade in spring, choose to sell now rather than store their vehicle. Whether buying new with a [Secured Caravan Loan](/secured-caravan-finance "Secured Caravan Loan") or second-hand with a secured loan or an [Unsecured Personal Loan](/unsecured-personal-loans "Unsecured Personal Loan"), buyers can be confident that our brokers will source their best possible rate. We know the lenders and have the intel to know which have held rates steady after the latest RBA decision and which lenders have the best offers. To help with buying decisions, apply for pre-approved financing first. That way you will know how much you are approved to borrow, your rate and payments, and can choose a van priced to suit your loan. **To secure your best caravan finance interest rates for a new RV to travel this winter, contact Jade Caravan Finance on [1300 000 003](tel:1300000003 "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. **Categories:** Industry News --- ### [New Caravans Showcase: Supreme Caravans Quest Motorhome](https://www.jadecaravanfinance.com.au/blog/caravan-articles/new-caravans-showcase-supreme-caravans-quest-motorhome) **Published:** August 3, 2026 **Author:** Publisher **Excerpt:** Supreme Caravans is launching its first motorhome model, the Quest, a luxury, on-road, Iveco-based RV with a range of layouts available. **Content:** Supreme Caravans is launching its first motorhome model, the Quest, a luxury, on-road, Iveco-based RV with a range of layouts available. This very popular manufacturer has timed this first venture into the motorhome market to coincide with its 40th anniversary. The Quest is so new, it was only displayed at the South Australia Caravan Show event in late July but display models should be in dealerships soon. This highly regarded Melbourne-based caravan manufacturer is known for premium quality caravans, manufactured in Australia, and presents an impressive collection to suit many budgets and travel styles. For supporters of the brand, this latest move into the motorhome market may be a surprise and an opportunity to consider a change in your RV lifestyle. Consider what the Quest has to offer and what financing opportunities we may source to get you out on the road with the freedom and luxury offered in this luxury motorhome. ## Supreme Caravans Quest Motorhome The Quest is so new, details are not appearing on the [Supreme Caravans website](https://www.supremecaravans.com.au/ "Supreme Caravans website") (at time of writing). But just as we do the hard work to find you finance, we’ve done the hard work to find you the facts on this new motorhome. It appears a new Supreme RV website is coming soon and we tracked down the [Quest brochure](https://australiancaravancentre.com.au/wp-content/uploads/2026/07/SupremeRV-Motorhome-Quest.pdf "Quest brochure") from one of the dealers for you to download and peruse. The Quest is based on the highly reliable Iveco Daily chassis and features one-piece composite panel construction for the roof, floor and walls. Inside, as you would expect from Supreme, the finish is stylish and luxurious with interiors from precision-engineered plywood and a very stylish and spacious feel. Features include integrated ambient lighting, queen bed, ensuite, appointed leather upholstery, laminated bench tops, soft closing drawers, down lights on the bulkheads, and a comprehensive range of appliances in the kitchen and entertainment zone. Practical features include 110 litre fresh water tank and 110 litre grey water tank, 20 litre hot water tank, and reverse cycle air conditioning. External amenities include double glazed windows, electric awning, picnic table, external storage and rear vision camera. Buyers will be able to specify their Quest to suit their travel and living style with the choice of 10 layouts. For those that are yet to consider a motorhome compared with a caravan, with the Iveco Daily chassis GVM, this model can be driven with a standard car licence. We advise buyers check this detail when ordering. Motorhomes can offer greater freedom than caravans and may present an easier travel option for many without the need for tow vehicle and potentially easier parking. Before parking-up for a night, travellers should check the regulations in the area as overnighting on a public road or in a public place is not permitted in some areas. Before calling into your local Supreme Caravans dealership to inspect the Quest, first consider the financing we may have for you. ## Financing Supreme Caravans Motorhome Buyers will need to source exact pricing from a dealer, but the estimated ‘starting from’ figure we have seen is around $250,000. Price is one side of the purchase, what about the financing? Using our [Caravan Finance Calculator](/loan-calculator "Caravan Finance Calculator"), buyers can work up estimate payments and start planning their Quest purchase. This calculator is user-friendly and allows RV buyers to quickly get estimates based on different borrowings, rates and terms. Change the loan amount to reflect the deposit you intend to make and note how the different borrowings change the monthly payment. The estimates calculated are extremely helpful as they may be used to decide deposits, to decide what features and options to include on your Quest, and to plan that purchase. If unsure if a motorhome or a Quest in particular is for you, use the calculator to generate estimates on different RVs and different motorhomes. Easily compare financing across a range of models to assist with that all-important buying decision. While interest rates need to be individually sourced and quoted, buyers can use our latest [Secured Caravan Loan](/secured-caravan-finance "Secured Caravan Loan") rate for estimating purposes. The same loan product is used for financing all types of RVs including caravans and motorhomes. Getting closer to ordering? Contact us for your exact quote or to have your application assessed for pre-purchase finance. Applications can be approved prior to purchase to provide buyers with the confidence to proceed with their order. ## Applying for Motorhome Financing Keen to be ready to travel in your new motorhome as the weather warms up? When downloading Quest details online, apply for financing or request a RV loan quote using our online facilities. One of our specialist RV finance brokers will address your request asap and providing you with the information and figures you require to move forward with your Quest motorhome purchase. **To be one of the first travellers in a Supreme Caravans Quest Motorhome, contact Jade Caravan Finance on [1300 000 003 ](tel:1300000003 "1300 000 003 ")to arrange your RV financing.** *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.* **Categories:** Caravan Buying Articles --- ### [Help to buy your dream RV – tools to plan and compare caravan loans](https://www.jadecaravanfinance.com.au/blog/caravan-finance/help-to-buy-your-dream-rv-tools-to-plan-and-compare-caravan-loans) **Published:** July 6, 2026 **Author:** Publisher **Excerpt:** To compare caravan loans, buyers can use the online finance calculators which are provided by lenders and specialist caravan finance brokers **Content:** To compare caravan loans, buyers can use the online finance calculators which are provided by lenders and specialist caravan finance brokers. Whether upgrading or venturing into caravanning for the first time, buying a dream RV involves many considerations. The way you plan to travel, the capacity of your towing vehicle, how many people to accommodate, off-road, off-grid or staying on the black top and at holiday parks and cost! With finance required by most buyers, the loan will be a major focus in the selection process. Specifically, how much the loan will cost on a monthly basis – the repayments. Having those figures before committing to purchase can be a big help with planning and budgeting. We help buyers to plan their dream RV purchase with specialist tools to quickly calculate repayments, to compare loan options, rates and RV prices. With rates varying significantly across the lending market and with cash rate decisions from the [Reserve Bank](https://www.rba.gov.au "Reserve Bank") our easy-use tool can be invaluable to quickly access information critical to your decision making. We then assist to turn the dream into reality with expert services to secure the most affordable RV financing. Get started on the planning and budgeting stages by using our Caravan Finance Calculator. If you’re new to using online loan calculators, have a quick read of these simple steps to get started. ## Online Tool to Compare Caravan Loans Our [Caravan Finance Calculator](/loan-calculator "Caravan Finance Calculator") is an online facility, specifically provided to empower buyers to compare finance options and plan their purchase. Access to the calculator is online from any connected device. It’s completely free to use, obligation-free, and no personal information is requested while using the tool. Anyone can use the tool with no checks of financials and credit scores carried out. For this reason, the results obtained are for general purposes only and may differ from the loan you may be offered. The calculator is a handy tool for generating quick estimates to plan and budget to buy a caravan. It can be used to obtain loan estimates for all types of RVs – traditional caravans, campervans, camper trailers, off-road and off-grid, mobile homes, toy haulers and other variants. ## Using the Tool to Compare Caravan Loans Buyers do not need to be experts in computing, maths or finance in order to use our Finance Calculator. The process is straightforward with fields or boxes where users need to enter figures clearly indicated. All you need to do is to start with a figure you want, or think you may want, to fund your dream RV. Lenders will determine your specific borrowing power but start with what you want for generating quick estimates. Use the figure you want for finance as the total loan amount and type it in. The interest rate offered to borrowers will be based on the lender’s assessment of the application, the buyer’s financials and credit score. For the purposes of obtaining quick loan estimates, calculator users can simply enter our current best interest for [Secured Caravan Finance](/interest-rates "Secured Caravan Finance") or an Unsecured Personal Loan. There is a field for the finance term – the number of years or months you would like to repay the loan. We can secure up to 7 year loans for some borrowers. Enter any term to get started as it can easily be changed to calculate a different option. When those three figures – loan amount, rate and term, are entered, the calculator automatically carries out the complex interest computations to display the result – a monthly payment figure based on the figures entered. The total interest accruable on a loan with those specifications will also be displayed. This can be an important figure to note when comparing rates and terms as it can represent the total outlay for the van. When comparing rates, note how our competitive lower rates result in less interest and less overall cost for the RV. Varying the terms may also change both the payments and the total interest. Comparing interest rates is done by simply entering different rates and noting the different payments that are delivered for each rate. Both variable and fixed interest rates may be used with the calculator. If wanting to decide what deposit you should make, simply change the loan amount and see how that changes the monthly payment estimate. ## Compare Caravan Loans Based on RV Prices When attending caravan shows, browsing the net for caravans for sale or when with a dealer discussing specs for your van, you will have prices to assess. But when finance is required, a loan payment figure may provide greater clarity on whether or not you can afford that van, feature or extras. Using the calculator, buyers can quickly change RV prices to RV finance payment estimates by using the price as the loan total. Deduct any deposit from the price before entering as the loan required. This can be a very helpful guide to affordability and narrowing down the wish list to the ‘can afford’ list. ## Experts to Source and Compare Caravan Loans Using our online tools is great for those initial planning and preparation steps, but nothing can beat having one of our experts to compare caravan loans from across the market for you. We cover off on a large number of lenders to find your ideal loan at your lowest possible rate, to buy that dream RV enlist our help. **For experts to help you to compare caravan loans, contact Jade Caravan Finance on [1300 000 003](tel:1300000003 "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.* **Categories:** Caravan Finance --- ### [What are the best caravans on the market? Check out Caravan of the Year Awards winners.](https://www.jadecaravanfinance.com.au/blog/caravan-articles/what-are-the-best-caravans-on-the-market-check-out-caravan-of-the-year-awards-winners) **Published:** June 8, 2026 **Author:** Publisher **Excerpt:** The best caravans on the market have been judged by Caravan World Caravan of the Year Awards with models by Kokoda and Mountain Trail sharing top honours. **Content:** The best caravans on the market have been judged by Caravan World Caravan of the Year Awards with models by Kokoda and Mountain Trail sharing top honours. Selecting the ‘best’ RV to buy can depend on multiple factors, like personal style and preferences, where you plan to travel, the level of the luxury required, towing vehicle and for many, price. With such a large selection of quality vehicles available on the Australian market, buyers can have a busy time finding their perfect RV. For those that would like some indicators or guidance, Caravan World has stepped up with their [Caravan of the Year Awards](https://caravanworld.com.au/pages/coty-2026). The judges assessed models from 8 manufacturers in determining the top honours for 2026, with the key criteria for judging being quality of the build, the value for money and the customer care. ## Best Caravans – COTY Awards The winner of this year’s Caravan of the Year Award is shared by two vehicles – the [Kokoda XG1 C216](https://www.kokodacaravans.com.au/) and the Paragon 6.4 from [Mountain Trail RV](https://mountaintrailrv.com.au/). The Kokoda winner is a couple’s van at 21’ with features that impressed the judges such as split system air con, storage, front bike lock and a trademark for the brand, the laundry chute. Also noted were the insulation, large lithium battery system and the general practical nature and detail of the build. The Mountain Trail winning model is an off-road model with high quality componentry and great build process, among other stand-out reasons for the decision. ## Best Caravans – Other Categories The winners do come with higher price tags. Buyers may like to consider some of the other models which were also in contention. The Wonderland Solara won the Judges Award. The Best Value for Money van went to the GTX Platinum model from Evernew. In the under $100,000 Value for Money category, the Vivid Voyager from Urban Group was the winner. The Platinum Rogue 20.6, also by Urban Group, was a contender but not a winner. Other contenders included Offline Campers’ Solitaire 16 and Cub C16. ## Financing Best Caravans on the Market With most RV buyers requiring financing, key to the purchase could be the loan. The two winners do come with higher price tags than many other models. The Kokoda around $230,000 and the Mountain Trail at $283,000. Even the value for money winner from Evernew is priced around $180,000. These will be considered purchases for many buyers. But with the right finance, owning what experts consider are the best caravans on the market could be a very realistic prospect. Your Jade broker will be sourcing you the best possible rates from across a large lender selection. Ensuring you achieve the most affordable financing on your ideal RV. The [Secured Caravan Loan](/secured-caravan-finance) is the most suitable credit product for buyers of new RVs. This type of loan offers a straightforward format with the van accepted by lenders as the loan collateral. This means, no need to have other assets available to offer as the collateral for the loan, for most buyers. With the van securing the loan, lenders offer their best interest rates on loans for new models, and buyers will notice that with the best rates advertised are typically for new goods and for buyers with a good credit score. With our secured loans, buyers also have the benefit of a fixed interest rate and a fixed repayment term, with both contributing to a fixed monthly schedule of equal repayments which won’t change over the term. The amount that a buyer can borrow on a new van purchase will be determined by the lender’s assessment of the individual’s borrowing power. No deposit financing may be an option, subject to individual application details. Secured loans do require the van to be fully insured over the full term of the finance. However, with the high value of the best caravans winners, this may also be an extra cost to consider. To compare payments on the different Caravan of the Year winners, use our [Caravan Finance Calculator](/loan-calculator). Weigh up your options and request a quote for a specific figure to make your buying decision. ## Best Caravans – Second-Hand Options While the Caravan of the Year judges focussed on new models, and clearly the winners are excellent vans, the pricing may not be a winner with many buyers. While it can be great to buy new models, the second-hand market can offer some great buys on great vans. Possibly even previous winners of Caravan of the Year. When considering a used model and requiring finance, be aware that loans for used vans can differ from loans for new caravans. The interest rate can differ, as may the terms and the amount of the purchase price that lenders will approve for the loan. **For the most affordable financing on the best caravans on the market, contact Jade Caravan Finance on [1300 000 003](tel:1300000003).** *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.* **Categories:** Caravan Buying Articles --- ### [Asterisks, T&Cs, ‘From’ – Understanding The Deal With RVs On Sale](https://www.jadecaravanfinance.com.au/blog/caravan-finance/asterisks-tcs-from-understanding-the-deal-with-rvs-on-sale) **Published:** May 25, 2026 **Author:** Publisher **Excerpt:** RVs on sale can be offered with varying discounts and deals with terms and conditions often applying, which buyers should consider and may seek expert advice. **Content:** RVs on sale can be offered with varying discounts and deals with terms and conditions often applying, which buyers should consider and on which they may seek expert advice. Sales are a great time for caravan and camper buyers to get into the on-the-road lifestyle or upgrade their current vehicle. But with many different types of discounting used by sellers, plus the asterisks, the T&C’s and the implications of ‘from’, buyers need to be informed. Fully understanding the deal being offered can place buyers in the best position to compare brands, models and loans to ensure they are making the right decisions. There are great deals to be found at this time of year as dealers and manufacturers clear their stock. The [ACCC](https://www.accc.gov.au "ACCC") is the government body responsible for pricing and competition and is a useful source for information and advice for buyers. A few red flags to immediately check on any offers are asterisks, the terms and conditions, and if a price has ‘from’ included. Read the details and ask questions to ensure you know exactly what you are buying and the deal you are receiving. To assist buyers to differentiate the offers, we provide this overview of the terminology used in sales events. ## RVs on Sale With a Discount Caravans advertised with a discount on the purchase price are the simplest offers for most buyers to understand. The deal may be a percentage or a set dollar amount. Buyers may find manufacturers advertising discounted stock which buyers have to source through the dealers. The details to check are what specific models the discount applies to. Is it the entire range? Is it only some models within collections? Is the discounted model suitable to your caravanning purposes? To see how the discount may reduce your [Caravan Loan](/secured-caravan-finance) and if the deal suits your budget, use our [Caravan Finance Calculator](/loan-calculator). ## RVs on Sale With a Cashback Cashbacks are widely used as a type of discounting on many goods. While this offer does represent a price cut, the onus is on the buyer to claim their discount. The vehicle is usually sold by the dealer and the cash back or rebate needs to be claimed through the manufacturer. If buying a caravan with financing, the full purchase price, before the cash back is applied, will need to be covered to take delivery. Advice from the ACCC regarding cash backs is to check any expiry date for when the rebate needs to be claimed by, what the process actually is, and how long it will be before you receive your money. ## Clearances and Run-out RVs on Sale Manufacturers are regularly launching new models in their ranges. When this happens, dealers have to be ready to take delivery of the new stock to meet buyer interest. With the size of recreational vehicles, being ready usually means having the showroom or warehouse space for the new models. To assist their dealers, manufacturers, or the dealers themselves, can regularly run clearances and caravan run-out sales. These represent great opportunities to buy a model that is being retired, at a reduced price. Details to check are what models are being cleared. Does that vehicle suit your travel plans? If it is a demo model with all the extras and accessories, do you really need all those features, despite the reduced price? Is the price still within your budget? Especially with extremely popular caravans and campers, there can be limited numbers of units available with clearances. There may be limited numbers overall and only a few caravans available from your local dealer. Researching what is available from what dealers can streamline the buying process. To make sure you are the lucky buyer to capture this great deal, speak with us first to arrange pre-approved Secured Caravan Finance. ## RVs on Sale With Dealer Finance Offers Financing offered at the point-of-purchase, dealer finance, has been around for a long time and is provided to assist dealers to quickly convert lookers to buyers. This type of finance is offered through a third party – the dealer or manufacturer’s credit partner, usually a finance company. At sale time, these offers may include an exceptionally low interest rate advertised. As required by [Consumer Credit Laws](https://www.asic.gov.au "Consumer Credit Laws"), a Comparison Rate should be displayed. These offers should be scrutinised closely by buyers and a quote from Jade sourced to compare. Is the type of loan offered suitable for you? Does the low advertised rate extend for the full term of the loan? If not, for how long does it apply and what rate applies after that? Who is eligible and what terms and conditions apply? What is the total interest that is accrued over the loan? Many low rate dealer or manufacturer finance deals have a ‘promotional’ interest rate — a low rate for the initial part of the term. After that expires, a much higher rate can apply. Use our Finance Calculator to see how our competitive fixed rates, which apply over the full fixed term, and are especially sourced for you from 80+ lenders, compare. To ensure you are securing financing that is suited specifically to your requirements and represents a genuinely affordable solution, use our expert broker services. **For the most affordable financing for RVs on sale, contact Jade Caravan Finance on [1300 000 003](tel:1300000003).** *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.* **Categories:** Caravan Finance --- ### [Winter Caravanning. Where to go & why now is a good time to buy a caravan.](https://www.jadecaravanfinance.com.au/blog/caravan-articles/winter-caravanning-where-to-go-why-now-is-a-good-time-to-buy-a-caravan) **Published:** May 11, 2026 **Author:** Publisher **Excerpt:** Winter caravanning can offer exceptional travel experiences and now can be an ideal time to buy a caravan with EOFY sales and affordable finance opportunities. **Content:** Winter caravanning can offer exceptional travel experiences and now can be an ideal time to buy a caravan with EOFY sales and affordable finance opportunities. Many RV owners cancelled or deferred their Easter and school holiday travel plans due to high fuel prices and supply issues. With the prices at the pump easing and the Government working on shoring up supply, now could be the time to get away. If you also deferred your decision to get into this lifestyle by buying an RV, now may be the time to revisit the issue and consider your options. The end of financial year sale season is just getting started, and manufacturers and dealers are sure to have stock to move. Buyers requiring finance to make their purchase may have been deterred with the current rate decisions and economic conditions. Now could be the time to apply for finance as we explain. As inspiration to warm up your plans, we cover off on some places to visit, where to find sales and how to source the best interest rate RV loans. ## Winter Caravanning – Where to Go Considered the off-season for many, autumn-winter offers many attractions for those that do get out on the road. There are less holidaymakers around meaning less crowded parks and roads. Park operators are more likely to be offering better site rates in quieter times – their off-season. To save on the trip, take advantage of member offers for fuel and site discounts. For example, the [NRMA](https://www.nrmaparksandresorts.com.au/) is regularly offering member discounts on site fees at their parks and on fuel. Check what could be available through any memberships you hold. Before the real snow season gets underway, head to the Snowy Mountains in NSW or the Victorian Alps for some winter adventures. The Snowies offers opportunities for fly fishing, hiking or some gently taking in the sights via the scenic lifts in Thredbo. In the Victorian foothills take in the attractions offered in Bright. Victoria’s Macedon Ranges shows off their best colours with the reds and oranges of autumn leaves. Plenty of walking trails, wineries and outdoor experiences. Load up the van and head to South Australia’s famous Barossa Valley or Kangaroo Island. If you still haven’t done that bucket list Tassie road trip – make it happen now. Take the Spirit of Tasmania across the straight and discover the history and wonder of the state – Cradle Mountain, Strahan and the great Southern Ocean. Want to escape the cold? Queensland awaits you. With less holiday makers, head to the popular destinations like Noosa and further up to the Whitsundays to warm up without the usual summer temps. ## Buy a Caravan in EOFY Sale End of financial year sales events are highly anticipated, especially by buyers of high value goods such as RVs. They represent potential opportunities to save big dollars on the usual pricing. RV sales events are usually offered at dealer level as dealers clear stock in preparation for new releases. But often manufacturers can offer discounts on certain models in their range through their authorised dealers. The [Apollo RV Centre](https://www.apollorvsales.com.au/) is advertising discounts and keep an eye on [Jayco](https://www.jayco.com.au/) dealers in coming weeks for what may happen to their prices. Use our Finance Calculator to quickly convert those prices to loan repayment estimates. This will help you compare models and start planning your purchase. Good quality used RVs can also come onto the private selling market in winter. Often from owners that plan to upgrade next summer and don’t want to store their vehicle over winter. These vehicles are usually offered through online selling platforms. Prices can be good and sellers may be open to negotiating. If you do plan to buy a caravan online, adhere to guidelines for best practice to avoid scams. Using our broker services for finance delivers additional benefits for online buyers. We can carry out essential checks such as PPSR. When planning to buy at a sale or via an online platform, securing finance first with a pre-approved [Secured Caravan Loan](/secured-caravan-finance) can be a smart move. You can be quick to commit and capture the best deals and the best vehicles. ## Finance Prospects to Buy a Caravan Now Many buyers will have put their purchase plans on hold recently with the current economic scenario. The [RBA](https://www.rba.gov.au "RBA") has lifted rates three times in a row due to the rising inflation rate driven by the Middle East conflict. Yes, rates in the consumer lending market have increased due to these decisions. But looking ahead, there is little chance of any rate cuts from the RBA in coming months. RBA Governor, Michele Bullock said that the RBA is expecting the rate of inflation to increase further. While further rate increases can’t be ruled out at this stage, rate cuts will certainly not be in the bank’s plans in the short term, or possibly this year. This may mean these are the best rates buyers will achieve this year. With our access to a large lender market, we focus on consistently securing the most competitive rates available. [Review the rates we are currently achieving](/interest-rates) and request a quote to start your winter caravanning adventure in a new RV. **To buy a caravan to experience the wonders of winter caravanning, contact Jade Caravan Finance on [1300 000 003](tel:1300000003) for affordable finance.** *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.* **Categories:** Caravan Buying Articles --- ### [Missed the Sydney Supershow? Latest new caravans to check out.](https://www.jadecaravanfinance.com.au/blog/buying-tips/missed-the-sydney-supershow-latest-new-caravans-to-check-out) **Published:** April 27, 2026 **Author:** Publisher **Excerpt:** Affordable finance for new caravans from brands including Winnebago, Lotus and MDC can be sourced at competitive rates through Jade Caravan Finance. **Content:** Affordable finance for new caravans from brands including Winnebago, Lotus and MDC can be sourced at competitive rates through Jade Caravan Finance. These brands all exhibited their latest models at the Sydney Caravan Supershow. A good place for buyers that missed out on attending the show to start their new model search. We provide buyers with their most affordable finance, whether you ordered your vehicle at the show without a loan confirmed, waited until after the show to consider your options, or missed the show entirely. Loans on new caravans are the same, regardless of when the loan application is submitted. If you’re still to decide on which of the latest models you will buy, we present a few of the options for your consideration. ## New Caravans from Lotus Lotus Caravans is a very popular choice for buyers looking for Australian made off-road and luxury caravans. With buyers’ needs clearly in mind, Lotus has brought back one of its more affordably priced models in the Freelander 2026 range. This Freelander is an off-road vehicle with options available for a 3500kg and 4000kg-4500kg ATM rating. Buyers can select from 10 layouts in sizes from 18’9” through to 24’. Luxury features are not compromised with the more affordable price tag. This model includes a 216 litre fridge-freezer, rainfall benchtops, induction cooktop and PU leather upholstering. Standard inclusions can be a big attraction for buyers. Saving on paying extra for accessories. On the Freelander, buyers can expect a 600aH lithium battery system with 3000w inverter, plus solar, airbag suspension, and a whole lot more. Check out all features at [the Lotus Caravans website](https://lotuscaravans.com.au/caravans/freelander/). Pricing starts at $144,500. Use this as the loan amount when using [our calculator](/loan-calculator) to get quick loan estimates. Or simply call us for a quote. ### Winnebago New Models Winnebago is a name synonymous with motorhomes. So, when a new model is launched, you can expect lots of attention. It’s time to pay attention as a new selection of Winnebago vehicles, built in New Zealand, made their debut at the Sydney Supershow including the Odyssey 40I and 41R. This 40I is built on a 3 litre, 4-cylinder IVECO Daily cab chassis, is 7843mm in length, and has a GVM of 5200kg. The 41R is smaller and can be driven with a standard car driving licence. The 40I has a rear placed bedroom and further sleeping facilities with front-placed peak bed. Other features include the well-equipped kitchen, separate shower and toilet and dinette, 100 litre fuel tank and power management system for the solar installation. They’ve even included 2 smart televisions! The finishings and fittings are described as ‘upmarket’ to ensure you have ultimate comfort while travelling in your Winnie. Get a price quote from Winnebago and a finance quote from Jade and start planning your first motorhome trip. ## MDC New Caravans [MDC](https://www.marketdirect.com.au/) selected the Supershow to unveil their new range of the Forte SR. This is a Chinese-built range of on-road vehicles, described as entry level, but including many features as standard. Buyers can select from 7 variations in lengths, plus single and tandem axle chassis. Power for off-grid tourers has been boosted on earlier versions with plenty of standard inclusions with battery, rooftop solar and charging facilities. The body construction is composite, and the vehicle includes a hot-dipped galvanised chassis, independent trailing arm suspension, sleek design styling and a refreshed interior. If the Forte suits your style, contact MDC for pricing details. ## Affordable Financing for New Caravans We appreciate that buying a new RV can be a considered purchase, even when considering an entry-level model. Manufacturers may have been as sharp as they could with the pricing, but when finance is required, that also has to be affordable. We focus on making that happen with our [highly competitive interest rates](/interest-rates) on loans for new caravans. New vehicles are well-suited to a [Secured Caravan Loan](/secured-caravan-finance) as the lender accepts the vehicle as suitable loan collateral. Buyers avoid the issue of having to provide other assets as finance security. With this security, lenders can offer their best rates on new vehicles. But rates will still vary across the market, and we do the work to find which lender is offering THE best rates to ensure you obtain the cheapest possible loan. Rates, terms and repayments are fixed and won’t change over the repayment period, providing an assurance for buyers that they can enjoy their travels without keeping an eye on the RBA and interest rate market. Loans can be approved prior to purchase. This will provide you with a set loan limit so you can select the vehicle and designate accessories and extras to suit your loan repayments. **For affordable loans for new caravans, contact Jade Caravan Finance on [1300 000 003](tel:1300000003).** *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.* **Categories:** Buying Tips --- ### [Looking for more fuel efficient caravanning? Ways to save on your caravan travels.](https://www.jadecaravanfinance.com.au/blog/caravan-tips/looking-for-more-fuel-efficient-caravanning-ways-to-save-on-your-caravan-travels) **Published:** April 13, 2026 **Author:** Publisher **Excerpt:** RV owners may look at different ways to save with fuel efficient caravanning tips and advice, choice of RV and towing vehicle and saving on the purchase finance. **Content:** RV owners may look at different ways to save with fuel efficient caravanning tips and advice, choice of RV and towing vehicle and saving on the purchase finance. The surge in fuel prices as a result of the Middle East conflict, left many RV owners rethinking their travel plans. Coming right at school and Easter holiday time, the higher price cycle meant many trip cancellations. An issue which affected not only the holidaymakers, but the holiday park operators and many popular tourist towns. While prices are expected to normalise when supply is stabilised, many could be taking the fuel price surge as a wake-up call. Especially at a time when inflation is also high in Australia and many are struggling with costs of living. A wake-up call to look for ways to save and still enjoy their caravan lifestyle, travel and holidays. We’ve done some research to compile some tips and advice from various sources to provide owners with a starting point to plan their own savings strategy. ## Tips to Reduce Fuel Costs when Towing a Caravan Many motoring bodies and RV experts provide great tips for reducing fuel consumption while towing a RV. One source quotes consumption of around 20 litres of fuel per kilometre when towing a van. At recent prices, that is a big cost to be considered. One of the most common tips to reduce fuel consumption is to slow down. Vehicles use less fuel at slower speeds. It is also a great tip for road safety. While caravanners don’t want to impact other travellers with exceptionally slow speeds, especially on single lane country roads, dropping it down a bit could mean a saving. At lower speed, air resistance from the van is reduced. The vehicle requires less power and less fuel to tow. Another factor to reduce air drag and the drag on the fuel is what is attached to the RV. We’re talking the very popular bike racks, roof racks, extra storage pods on the roof and awnings. Maintaining a constant speed may also reduce fuel consumption as does avoiding hard acceleration. When speeding up, do so gradually and the same when braking. Ensuring the tyre pressure is correct is important. The type of road can impact fuel consumption. Highways can provide smoother driving and may mean less fuel consumed than on windy, rough country roads. Rethinking your route to your destination may deliver a savings. The weight of the van is an important factor in consumption of fuel. It is tempting to pack plenty of extras for that holiday – bikes, kayaks, extra water and gas bottles, a load of food stuffs, or these days, even jerry cans of fuel. But these all add to the overall towing weight and how much fuel you are using and paying for. Pack light and buy the food you need at your destination while fuel prices are higher! Here is a great tip from [RAC Horizons](https://rac.com.au/ "RAC Horizons") – consider the wind speed and direction. Driving into a strong breeze creates greater air resistance and increases drag. While you may not be able to change the route to your destination, you may be able to schedule travel days in lower winds. High winds can also create dangerous driving conditions for towing a caravan so this could be a double-up good tip. ## Can you tow a caravan with an EV? With the recent surge in fuel prices and supply issues, there has been a surge in sales of EVs and hybrid cars. But for RV owners, the big question is, can you tow your RV with these types of vehicles? Our research revealed that it is possible, depending on the RV and the vehicle specs. It appears most larger EVs do have the capability, but some EVs are not recommended to be used for towing at all. It is strongly recommended to check with the car manufacturer. One factor which will be affected when towing with an EV will the range. So you will need to plan more stops to recharge. ## What caravans can be towed with an EV? Looking at the other side of the question, the RV. Are there RV models which are designed to be towed behind an EV? Our research revealed that Adria brought out a model some years ago which has recently been available through some Apollo retailers – the [Adria 361LT](https://www.apollorvsales.com.au/brands/adria "Adria 361LT"). But in limited stock. This model is marketed as being towable with EVs such as the Hyundai IONIQ5 and similar sized vehicles. ## Reduce Costs with Affordable Financing While many aspects of RV ownership are beyond the owner’s control – fuel prices in particular, but also towing vehicle, buyers do have options when it comes to financing. Savings on the caravan loan can be realised by securing [the lowest possible interest rates](/interest-rates). We make that our priority – finding our customers their best possible rate from across our 80+ lender base. Ensuring their repayments are the lowest possible to reduce the costs of buying their RV. To see what we may save you on your finance and offset those costs you can’t control, estimate your loan with our [Caravan Finance Calculator](/loan-calculator) or simply request a quote. **Consider fuel efficient caravanning tips and save on buying a RV with competitive rate loans from Jade Caravan Finance by calling 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.* **Categories:** Caravan Tips --- ### [Model Showcase: Hound Hauler Fantasy Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/model-showcase-hound-hauler-fantasy-caravans) **Published:** March 3, 2026 **Author:** Publisher **Excerpt:** The Hound Hauler is a new dog-friendly model caravan from Fantasy Caravans which includes special features to provide for dogs to travel in comfort **Content:** The Hound Hauler is a new dog-friendly model caravan from Fantasy Caravans which includes special features to provide for dogs to travel in comfort. Australians love caravanning and love their pets. This new edition model allows travellers to combine both loves by bringing their furry friends along for the ride with their own needs attended to with special inclusions. Brand new to Fantasy’s line-up, the model was only launched at the recent Mornington show. As at time of preparing this item, specifics are not yet on the company’s website. But sufficient detail is available from industry media sources to share and allow buyers to decide if this is the ideal model for them and their doggy companions. ## Hound Hauler Features This new model is based on the [company’s Nano model](https://fantasycaravan.com.au/nano-series/), which is a 15’6” vehicle with sleeping accommodation for two and includes an en suite bathroom. A single-axle design with composite construction, the Nano is quite a lightweight model. Standard inclusions are the rooftop solar, lithium battery inverter and 70 litre tanks for fresh and grey water. The furry companions are catered for with both internal and external inclusions. On the outside there is a plastic ramp which can be removed and makes for easy entry inside for dogs with mobility issues and smaller breeds that can’t manage caravan steps. Buyers have 3 size choices for the play area and kennel. This features fencing, swing open door, bins to store toys and leads and bowl holders for food and water. There are plenty of cupboards to store food and your dog’s requirements. An option is a portable stair to allow your companion easy access to the bed. The model includes an external hot and cold shower so muddy and sandy paws can be attended to after a walk. An extra accessory which comes from Big Sky Innovations is the [Inflatafence](https://bigskyinnovations.com.au/pages/inflatafence). This is an inflatable fence which can be erected outside your van to provide an area for your dog. It is not exclusive to the Hound Hauler. Caravan owners can purchase the product to include on their current vehicle. ## [Fantasy Caravans](https://fantasycaravan.com.au/) Hound Hauler Finance So what will it cost to be able to have your furry companion well-catered for on your travels? Pricing to meet your specific requirements will need to be sourced from the company. But to start estimating financing, a figure of around $60,000 has been seen in media reviews of the model. As a new RV, the Hound Hauler would be financed with a [Secured Caravan Loan](/secured-caravan-finance). This product allows the caravan to be used as the collateral for the loan. Many buyers will not be required to use other assets as additional finance security. We secure the most competitive fixed interest rates on this lending product. Rates are sourced from our across our marge 80+ lender base with the most suitable lender and loan product found for each customer. Terms are fixed with up to 7 years available, subject to lender approval. Fixed rates and fixed terms deliver fixed repayment schedules. You’ll pay the same per month for the full period of your repayment term. No stressing about rates going up and repayments changing. Head off on travels, confident that your budget is sorted. The amount a buyer will be approved to borrow on a new caravan is determined by the lender. This is known as Borrowing Power and is calculated by lenders based on income and current debts and expenses and current interest rates. Some buyers can be approved to borrow the full purchase price with no deposit financing. Others will need to make a downpayment. Making a downpayment and reducing the amount required for the finance may result in a lower interest rate. So it may be worth considering. Potential buyers can get estimates of their loan payments using our [Caravan Finance Calculator](/loan-calculator). All values entered can be varied to enable buyers to work out their ideal deposit and to compare options. The device is free, quick and easy to use so start estimating. ## Fantasy Caravans Loans – Pre-Approval For buyers interested in the Hound Hauler but missed its debut in Mornington, Fantasy Caravans will be exhibiting at another upcoming show – the [Outdoor Living Expo in Ballarat](https://www.outdoorlivingcaravanexpo.com.au/ballarat/) over the weekend of 10-12 April. Check in at the company’s website for other shows where they will be exhibiting. Don’t forget the big Rosehill Supershow in Sydney at the end of April. If planning to inspect and possibly order this new caravan at an upcoming show, why not apply for pre-approved finance. Applications can be submitted and approved through to the conditional stage ahead of purchase. The approval allows buyers to commit to a purchase to the loan amount they have been approved to borrow. No missing out on limited edition models and those show specials. To apply for finance, simply call us or connect online for one of our brokers to personally handle your requirements. **To apply for finance to order a Hound Hauler from Fantasy Caravans, call Jade Caravan Finance on [1300 000 003](tel:1300000003).** *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.* **Categories:** Caravan Buying Articles --- ### [Prepare Your Must-See List - NSW Caravan Supershow Exhibitors](https://www.jadecaravanfinance.com.au/blog/caravan-tips/prepare-your-must-see-list-nsw-caravan-supershow-exhibitors) **Published:** April 6, 2026 **Author:** Publisher **Excerpt:** The NSW Caravan Supershow exhibitors include more than 250 brands representing RVs, products and experts in the caravan and camping sector. **Content:** The NSW Caravan Supershow exhibitors include more than 250 brands representing RVs, products and experts in the caravan and camping sector. RV enthusiasts love checking out the latest models and innovative gear, and this show presents the perfect opportunity to see them all in the one place. This NSW event is one of the best industry showcases on the calendar. It will be held from 28 April through to 3 May at Rosehill Gardens, Sydney. The event always attracts the best the industry has to offer and with that, many visitors keen to see new releases and for many, order their RV. As regular show goers know, these expos are large and cover vast spaces. Getting around to all the displays can be a challenge. The crowds can make it easy to miss a manufacturer or brand that you really wanted to check out. Preparation and planning are key to maximising and optimising your visit to the NSW Caravan Supershow. The exhibitor directory is posted on the show website for potential buyers to prepare their short-list of displays they want to visit. [Plan your visit by reviewing the exhibitor directory](https://www.supershow.com.au/exhibitors/ "Plan your visit by reviewing the exhibitor directory") and prepare your short list of those you definitely want to inspect. Note the site number and the location on the event site to make it easier to find the brands you want to see on the day. Top tip – save your fuel for your caravanning adventures and take public transport to the show! There are plenty of transport options to get you to the site at Rosehill Gardens. ## Caravan Supershow Exhibitors Visitors to the show can expect to catch up with all leading manufacturers of recreational vehicles. Buyers can inspect multiple models and compare features and suitability for their travel plans. The line-up includes: - [Jayco](http://www.jayco.com.au) - Horizon Motorhomes - Ezytrail - Bushtracker - Emu RV - Harvok Caravans - Millard - Crusader Caravans - Active Campers - Hardkorr Camper Trailers - Blue Tongue Campers - Golf Motorhomes - Lotus Caravans - New Age - Austrack Campers - Paradise Luxury Motorhomes - Snowy River Caravans - Cub - Avida - …and many more. In addition to RV manufacturers, exhibitors also include suppliers of products including Big Sky Innovations, creators of the Inflatafence to help make your RV more pet friendly and comfortable for your dog. Jade Finance will also be at the show to assist visitors with financing. In addition to viewing potential purchases, visitors can attend daily seminars with expert presentations. Get tips, advice and instructions on towing, staying safe while caravanning, lithium batteries and more. Take a break and be entertained by Errol the Bush Poet! ## Plan Finance to Order from Caravan Supershow Exhibitors While planning the models you want to purchase, also start thinking and preparing for financing the purchase. The most popular type of loan for all new recreational vehicles is the [Secured Caravan Finance](/secured-caravan-finance). This loan product suits traditional caravans, mobile homes, toy haulers, off-road models, hybrids, camper trailers, camper vans and expedition vehicles. As a new vehicle, lenders readily accept the vehicle as security for the loan. Most buyers will not need to provide other assets as loan collateral. With the loan secured, lenders offer their best interest rates on secured credit products. But interest rates – both the amount and the type, can vary across the market. Our Secured RV Loans are arranged with the most competitive [fixed interest rates](/interest-rates), sourced from our large lender base. With a fixed rate, buyers are assured that their loan payments will not change, even with Reserve Bank cash rate decisions. When ordering a new RV at an industry showcase, buyers have the choice of either securing their loan before they buy or waiting to source finance after the event. The eligibility, requirements and documentation is the same regardless of when the loan application is submitted. Lenders assess applications individually, and the same rate would apply for pre and post purchase loans. Unless rates change in that timeframe. Buyers that have their finance confirmed can often be in a position to take advantage of any show special discounts. Pre-approved loans can also give buyers a clear indication of what they can borrow. Enabling them to specify the accessories, fittings and fixtures to suit their finance. There is no obligation with pre-approval, so buyers have nothing to lose but possibly discounts and securing limited edition models to gain! Being able to confirm an order at the show may also speed up delivery time and have you on your travels sooner. When preparing the wish list, refer to our [Finance Calculator](/loan-calculator) to quickly compare loan estimates on price of different makes and models. Calculating finance estimates can be extremely helpful in narrowing down the wish list to an affordable list. ## Talk to Jade Finance at the Caravan Supershow Come and meet our team at Site 126 in the outdoor area. Our team will discuss your options, assist with application details and answer your query. You can even start the application process. **To be prepared to order your new RV from the Caravan Supershow Exhibitors call Jade Caravan Finance on [1300 000 003](tel:1300000003) to apply for your loan.** *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.* **Categories:** Caravan Tips --- ### [How will Reserve Bank decision affect caravan finance interest rates?](https://www.jadecaravanfinance.com.au/blog/caravan-finance/how-will-reserve-bank-decision-affect-caravan-finance-interest-rates) **Published:** February 16, 2026 **Author:** Publisher **Excerpt:** Caravan finance interest rates may be affected by the Reserve Bank cash rate increase where lenders react and adjust their consumer loan rates. **Content:** Caravan finance interest rates may be affected by the Reserve Bank cash rate increase where lenders react and adjust their consumer loan rates. The interest rate is the most important aspect of a loan and when the Reserve Bank (RBA)announces a lift in the cash rate, it can be an alert for those planning to buy a RV with financing. How lenders react to cash rate changes announced by the RBA can vary across the consumer lending market. The RBA sets the cash rate, but there are no regulations that require banks and lenders to change their rates in line with these decisions. Banks and non-bank lenders will set their rates in the markets they operate according to their own guidelines and costs of funding. As buyers will realise, this creates variations in RV loan rates across the market. The rate can be different for a similar loan product from different lenders. The rate offered to a buyer may be differ depending on the lender’s assessment criteria. Navigating these variations to find the best option can be challenge. This explainer may assist buyers to understand the scenario and what they can do to secure their best RV loan rate. ## Reserve Bank February Rate Decision [The RBA](https://www.rba.gov.au "The RBA") Monetary Policy Board met over 2-3 February and decided to lift the cash rate by 25 basis points (0.25%) to 3.85%. This is the first rate increase since 2023 and not what was expected last year after the Bank cut rates in August. A number of rate holds followed that cut. But in late 2025 [the ABS](https://www.abs.gov.au "the ABS") reported a surprising increase in the rate of inflation. The RBA was considering at the time whether or not this was caused by temporary issues and held rates steady. But the December inflation data released on 28 January revealed a further increase. In considering the data, the RBA Board determined that the inflation rate was too far above its 2-3% target and that a rate rise was required. The decision was unanimous. Michele Bullock, the RBA Governor, said that it was expected that the rate of inflation would stay above the target band for some time. In announcing the Board’s decision, Ms Bullock also noted the recent employment figures and uncertainties in the domestic economy and globally as reasons for the increase. The majority expectation in the markets was for only the one increase this year. But much will ride on the upcoming sets of data as to whether or not we will see further rate increases. The RBA Board next meets on 16-17 March to decide on the cash rate. ## Navigating Caravan Finance Interest Rates Following the RBA February decision, the major banks immediately passed on the rate increase to their mortgage holders on variable rate loans. But lenders in the consumer loan market may not all pass on that increase in the same way. There will be those that pre-empt the RBA’s decision and ‘move early’ by increasing their rates prior to the announcement. Others will lift rates and some may choose to hold a competitive edge by holding their rates. Differences in rates will be found with different lenders and with different loans. Rates for [Secured RV Loans](/secured-caravan-finance) are typically fixed and lower than Unsecured Personal Loans that may have a fixed or a variable rate. Rates on finance for new RVs can be more competitive than for second-hand caravan loans. Lenders will display their best rate offer for applicants with a good credit score for loans on new RVs. Rate variations may also be seen with difference between lenders offering generic personal loans for RVs and those that offer a product specifically designed for RVs. This may be important for buyers requiring financing on a vehicle with a lengthy timeframe between order and delivery, such as with custom or built-to-order model. While the rate is a key element of any loan, buyers should also look closely at other features of a lender’s product including what is the maximum they will lend, what repayment terms are offered, and their criteria for application approval with the best rates. If these features do not align with a buyer’s requirements, then the rate offered may be a less important factor to consider. ## How can buyers get the best caravan finance interest rates? It is likely that many lenders will lift their rates across their portfolio following the RBA’s decision as the cash rate increase may cause their own funding costs to increase. With a large lender selection, we are well-placed to continue delivering [highly competitive rates](/interest-rates). Buyers can use our services to quickly find them their most suitable loan with the best rates. Being offered the best rate can also depend on aspects of the application. Having a good credit score and strong financials is very important. Finalising other loans and debts may improve the financial position and prospects. Another aspect to consider is the percentage of the purchase price or value of the vehicle being requested in the loan. A higher loan-to-value ratio such as no deposit finance or finance with a small deposit, may attract a higher rate than a loan where a larger deposit is made resulting in a lower LVR. The lower LVR can present a lower risk to the lender, and they may be more prepared to offer a more competitive rate. **For expert assistance to find you the most competitive caravan finance interest rates, contact Jade Caravan Finance [1300 000 003](tel:1300000003).** *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*. **Categories:** Caravan Finance --- ### [How can I avoid rate rises with my new caravan loan? Compare RV Finance Rates.](https://www.jadecaravanfinance.com.au/blog/loan-tips/how-can-i-avoid-rate-rises-with-my-new-caravan-loan-compare-rv-finance-rates) **Published:** March 20, 2026 **Author:** Publisher **Excerpt:** To compare RV finance rates across the lending market and avoid rate rises, buyers can use a broker to find the most competitive lender and best rates. **Content:** To compare RV finance rates across the lending market and avoid rate rises, buyers can use a broker to find the most competitive lender and best rates. With inflation edging higher, interest rate increases are once again on the minds of those seeking new caravan loans. With the [Reserve Bank](https://www.rba.gov.au) announcing another cash rate rise on 17 March, buyers requiring finance will no doubt be wondering how they may find the best possible rates. While the RBA does not set the rates that lenders apply to their lending products, the cash rate is somewhat of a foundation from which lenders do establish their rates. Buyers will find rate variations across the market, with different types of loans, and the rate they will be offered will depend on their specific details. ## Compare RV Finance Rates by Lender Will all lenders increase their caravan loan rate when the RBA announces a cash rate rise? Not necessarily, but many will as the cash rate can reflect their funding costs. When comparing rates across the market, buyers can find varying rates for different types of loans as well from different lenders. Comparing the market can include banks, non-bank lenders, dealers and caravan manufacturers. The market is competitive and some will choose to hold rates as low as possible to maintain a competitive edge. Lenders may have varying rate cycles. Some may change their interest rate on certain loans ahead of the RBA announcement, while some will wait for confirmation of the Board’s decision. We make it easy for buyers to cover the market as we provide a rate comparison table which is updated to reflect the latest market moves. Lenders display their best available rate for new caravans and for buyers with good credit profiles. When comparing lenders, always look at the details of the loan product to ensure fair comparisons are being made. Secured loans attract lower rates than unsecured loans. Some lenders will offer generic Personal Secured Loans for many goods including recreational vehicles. We offer a specific [Secured Caravan Loan](/secured-caravan-finance) which is designed to suit these vehicles. Secured loans are the popular choice for buyers of new and quality used models where the vehicle is acceptable as finance security. Where not acceptable, an Unsecured Personal Loan will be required. With no security for the lender, the rate is higher than for secured finance. Lenders also display a [Comparison Rate](/interest-rates) which should be considered when drawing comparisons across the market. This is a rate that relates to the specific finance contract as stipulated adjacent to the rate. It is based on the advertised rate, over the term as stipulated, and with some but not necessarily all, fees and charges included. A larger gap between advertised and comparison rates may indicate higher fees from that lender. ## Considerations to Compare RV Finance Rates Comparing lenders and loans based purely on a rate figure can be confusing. Using our [Caravan Finance Calculator](/loan-calculator), buyers can quickly convert any rate to monthly repayments for the loan they require or the price of the RV. A far more relatable figure for most buyers than the rate alone. The calculator provides a useful tool when comparing options and identifying opportunities. It can also be helpful with determining the most affordably priced make and model to suit the individual budget. Simply enter the price of the vehicle or the price less the deposit available, the rate and the term preferred, to see the estimated monthly payment. Enter a different rate to see how different lenders compare. Carrying out quick comparisons with the calculator can avoid the necessity to request quotes and submit applications to compare offers. The process of applying for the same loan from multiple lenders can damage the credit score and the prospect of the best offer. The loan-to-value ratio – amount of the loan requested as a percentage of the RV price, can affect the rate a buyer will be offered. Lowering the finance with a large deposit may result in a better rate to offset any possible market rate increases. ## Securing Your Best RV Finance Rates Comparing the rate market can be a challenge for individual buyers. There are many lenders and many different loans to consider We make it easy with our multiple lender accreditations and expert services. Buyers only need to connect with a Jade broker, and we do the work for you. We’ll cover off on our 80+ lender base to identify the most suitable lender, loan and best rate. Avoiding market rate rises completely may be an overly optimistic goal. But using our services does ensure that all efforts have been made to secure your best possible RV finance rate, even in an upward rate market cycle. **Quickly compare RV finance rates to ensure you best offset any rises by connecting with Jade Caravan Finance [1300 000 003](tel:1300000003).** *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.* **Categories:** Loan Tips --- ### [When should buyers arrange finance for the Rosehill Caravan Supershow? How to get pre-approved RV loans.](https://www.jadecaravanfinance.com.au/blog/caravan-finance/when-should-buyers-arrange-finance-for-the-rosehill-caravan-supershow-how-to-get-pre-approved-rv-loans) **Published:** March 4, 2026 **Author:** Publisher **Excerpt:** The Rosehill Caravan Supershow is the premier RV exhibition with leading brands exhibiting with buyers able to get pre-approved RV loans to be ready to order. **Content:** The Rosehill Caravan Supershow is the premier RV exhibition with leading brands exhibiting with buyers able to get pre-approved RV loans to be ready to order. The Sydney Supershow is a 6 day exhibition of caravans, RVs, products, expert presentations and other attractions. It will be held from 28 April through to 3 May 2026 at Rosehill Racecourse in Sydney’s western suburbs. This is regarded as the BIG event for the industry and RV enthusiasts and buyers flock from intrastate and interstate to take advantage of the opportunity to see the latest releases. Most, if not all, leading RV brands and manufacturers will be exhibiting with many taking the opportunity to release new models. Giving keen buyers the first look at the latest vehicles, new innovations and often the chance to score a discount with ‘show specials’. Seeing multiple brands and models in the one place on the same day can significantly reduce the time to compare the options and make the final buying decision. With many models built to order or finished to buyer specifications, that time saved could mean taking delivery sooner. To take advantage of the opportunity to commit to a purchase and place an order, many buyers will need their financing confirmed. For that purpose, pre-approved RV loans can be secured well ahead of the show’s opening. The countdown to gates opening. Time to apply for finance and make your show visit plans. ## How does Rosehill Caravan Supershow pre-approved loan work? Buyers wanting to order at a show have two options – conditional pre-approval and a specific pre-approved loan. While similar in some respects, these levels of approval do differ slightly. They both suit both genuine buyers that will definitely order at the event and those that might order if they find the right model but are not totally committed. Both conditional approval and pre-approved finance apply to a [Secured Caravan Loan](/secured-caravan-finance). This is the most popular type of loan for new caravans. It has a fixed interest rate, fixed terms, fixed repayments and the convenience of the vehicle being used as the finance collateral. Conditional pre-approval may be either a fully approved specific quote or an indication of borrowing capacity. Before even selecting a make or model, most buyers will want to know how much they would be approved to borrow. If you haven’t applied for a personal loan for some time, you may have no idea of your borrowing power. Conditional pre-approval will provide you with that figure. An amount that a lender will extend to you at a certain interest rate, based on your current financials – income, debts and regular expenses. With this information, buyers can start creating their wish list of makes and models with prices within their borrowing power and planning their deposit. Pre-approved RV loans are more specific. These will better suit those buyers that have done their market research and narrowed down their list to specific makes and models they want to buy but are waiting to inspect at the show to make the final decision. Applications are submitted with an indication of the vehicle to be purchased – make, model and price, and how much the buyer needs for the finance. Financials and credit scores are checked, and a specific loan offer is given which is based on interest rates at that time. The offer is valid for 1-4 weeks, giving buyers time to make their final decision and place their order. When the dealer works out the final price to the buyer’s specifications and choice of fittings and any extras, the invoice is provided to the lender. Any amendments required to the offer, for example with the exact loan amount, are made and settlement can proceed. If the individual decides not to proceed to order at that time – possibly vehicle not 100% suitable, pricing not right, any offer simply expires at the end of the validity period. If you’re considering making your RV purchase at the Sydney show or may order, have a quick chat with one of our brokers about what is the best way for you to arrange your finance beforehand. ## What is the interest rate on pre-approved RV loans? [The interest rate](/interest-rates) on finance approved prior to purchase will be based on the lender’s current rates. Where an offer is provided based on a confirmed rate and the offer is valid for a set time, that will be the rate for finance after purchase. Where conditional approval is given with no confirmed rate and offer, the loan would be finalised after purchase based on the interest rates at that time. If rates increase or decrease between the time of conditional pre-approval and final loan application assessment, the rate offered may be different from the rate on which borrowing power was assessed. [The Reserve Bank](http://www.rba.gov.au "The Reserve Bank") is due to announce its next Monetary Policy Decisions on 17 March and 5 May. Getting approved before the show and before the May decision, may be advantageous. ## Rosehill Caravan Supershow Details The show starts at 9.30am on Tuesday 28 April and closes at 4pm on Sunday 3 May. Organisers have a website for [the Sydney Supershow](https://www.supershow.com.au/ "the Sydney Supershow") which will include all the information visitors require. Details of exhibitors etc will be uploaded closer to the show opening. Visitors can register interest on the event website for updates and information when the exhibitor listing is released. If you make a decision to buy at the show, you may find our Jade Caravan Finance representatives at the show to assist you with finance at the event. If not, refer to our rates and Finance Calculator online to see how affordable our RV finance can be. **For pre-approved RV loans ahead of the Rosehill Caravan Supershow, 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.* **Categories:** Caravan Finance --- ### [Should you opt for the maximum repayment term for caravan finance?](https://www.jadecaravanfinance.com.au/blog/loan-tips/should-you-opt-for-the-maximum-repayment-term-for-caravan-finance) **Published:** February 2, 2026 **Author:** Publisher **Excerpt:** The maximum repayment term for caravan finance can be up to 84 months but will depend on individual credit products, the lender and the borrower’s profile. **Content:** The maximum repayment term for caravan finance can be up to 84 months but will depend on individual credit products, the lender and the borrower’s profile. The length of time to pay off a RV loan is an important issue for buyers to consider when applying for financing. It effects the amount of interest that accrues on the loan and therefore the total cost of buying the RV. The term also has a direct impact on the amount required to be paid each month in the repayments with longer terms delivering small payments each month. This may make the purchase of a higher priced, high-end model such as a [Bruder](https://bruderx.com/) an affordable proposition. But is it right for you? The terms also affect how long it will be before you own the vehicle outright. While this may not seem an important issue at the time of purchase, a few years down the track if you are considering taking on finance for another purpose, the debt may affect your new loan prospects. Buyers can request their preferred term, and many will think opting for the longest term is the sensible thing to do. Allowing plenty of time to repay the finance and enjoy lower monthly payments. But before making that decision, which will ultimately be up to the lender to approve, take a few minutes to consider all options, the upsides and the downsides. ## How is the maximum repayment term for caravan finance decided? When applying for a RV loan, buyers can make their request for their preferred repayment period to our broker or the lender if applying directly. Will that be approved? The decision as to all aspects of a loan will be with the lender. Lenders will be considering the amount of the loan, the credit profile and credentials of the applicant and the interest rate on the loan. The credit product will also affect the term offered. Lenders have set loan amounts and terms for some of their products. Some lenders may provide borrowers with a term of 7 years or 84 months on secured loans for RVs while others may limit the repayment period to a lesser term such as 4 years or 48 months. For smaller loan amounts, lenders may not be as accommodating on approving a long repayment period as they would be for larger loan amounts. ## Is the minimum or maximum repayment term for caravan finance the best? Whether a long or short loan repayment period best suits can be a personal preference. Some buyers will want to own their vehicle unencumbered as soon as possible. This may allow them funds to take on loans for other goods. Other buyers that intend to keep the vehicle for a long time will prefer to extend the payment period for as long as possible. For buyers that like to update vehicles regularly with trade-ins or private sale, the best repayment term can be that which is in line with the expected ownership cycle. Apart from the personal preferences, there are financial considerations involved in deciding what is the best term for an individual buyer. Longer terms, say 7 years, will provide lower monthly payments and can make higher priced models affordable. But as interest is charged per annum, a larger amount of total interest will accrue on the loan over that longer term. Opt for a shorter term of say 4 years for the same loan amount, and monthly repayments will be higher, but total interest will be less. With less total interest, the entire purchase is less than with a longer payment period. To decide what is your ‘best’, use our [Caravan Finance Calculator](/loan-calculator). While predominantly used to estimate monthly payments, the calculator is extremely useful for determining the most suitable terms. To compare short and long terms, enter the amount required for the loan, our [current interest rate](/interest-rates) on Secured Caravan Loans, and a term. Our latest best interest rate may not be what you are offered, but it can be used as a guide for estimating, planning and comparison purposes. Note the monthly payments and the total interest applicable to this combination of values – at this repayment term. Now change the term while leaving the loan amount and interest rate the same. Note how the monthly payment and interest charged has changed by changing the number of years taken to repay the loan. Calculate as many combinations as you want until you arrive at the result that suits your preference and works for your budget. Brief your Jade broker on your preferred loan structure and we will work hard to negotiate the most suitable outcome for you with our lenders. **Contact Jade Caravan Finance [1300 000 003](tel:1300000003) for a discussion regarding a minimum or maximum repayment term for caravan finance for you.** *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.* **Categories:** Loan Tips --- ### [How do you arrange finance to buy at 2026 caravan shows?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/how-do-you-arrange-finance-to-buy-at-2026-caravan-shows) **Published:** January 5, 2026 **Author:** Publisher **Excerpt:** Buyers planning to buy at 2026 caravan shows can apply for their RV finance some time before the event for conditional approval and/or a confirmed loan offer. **Content:** Buyers planning to buy at 2026 caravan shows can apply for their RV finance some time before the event for conditional approval and/or a confirmed loan offer. Buyers heading to a RV show without knowing how much they would be approved to borrow may find themselves in a dilemma. Should they take a chance and commit to the order with a possibly non-refundable deposit? Buyers that don’t know how the price of a RV converts to loan payments may find themselves in the same situation. Possibly committing to a model with a price that equates to loan payments beyond their budget. With great models on display at these events, and often great special pricing for the show, it can be easy to get caught up in the hype and order or buy a RV that is simply not affordable. On the other hand, a buyer may opt for a lesser quality van thinking that the top of the range may be unaffordable, when the loan payments may be well within their budget. Buyers can avoid these awkward scenarios by simply arranging their no-obligation finance before the show. ## 2026 Caravan Shows – Buyer’s Finance Planner The process of securing RV finance can be started well ahead of buying or ordering. Conditional approval may be arranged a long way out from the show date. Conditional approval provides buyers with their borrowing capacity at that time. This is how much they would be approved to borrow at the interest rates at the time. This can be critical information for selecting a RV with a price within the buyer’s borrowing power. Conditional approval can be an advance stage to securing a loan offer. Pre-approved loans are confirmed finance offers which have applications processed based on an estimate of the loan prior to a purchase. The offer and approval is typically valid for 1-4 weeks or longer through some lenders. Buyers can apply for their finance ahead of the show for confirmed finance based on the loan required to purchase RVs they are considering. If the final loan amount differs from the estimate when the purchase is finalised, we work with our lenders to amend the loan offer accordingly. When estimating the loan required for pre-approval, consider all the extras you may wish to include with your RV and have included in the finance. These may be choices of fixtures and fittings, extra solar panels and water tanks, awnings, special packs and other accessories. When accessories and options are included in the entire RV package the cost can usually be incorporated into the loan. The same credit products and [interest rates](/interest-rates) apply with pre-approved loans and loans arranged after the purchase is confirmed. Pre-approval carries no obligation. If the buyer decides not to order at the show, any loan offer simply expires at the end of the validity period. Show attendees that are not fully committed to purchase and buyers that don’t feel totally ready to seek pre-approved finance also have options. Our [Caravan Finance Calculator](/loan-calculator) is a useful buying tool that allows buyers to get quick estimates on loan payments. Estimates which can be used to compare finance commitments on RVs at different prices and to start the purchase planning process. When using the calculator, be aware that interest rates could vary throughout the year. If using our current rates to obtain estimates on different RV pricing, buyers should understand that rates may change before they apply for a loan and they may be offered a different rate. ## 2026 Caravan Shows Calendar Finance plans sorted, now to plan the show visits to find that ideal RV to purchase. This year’s calendar of RV expos is extensive and extends to events across the country. Here are just a few of the events coming up in the first part of the year. - 30 January – 1 February [Newcastle Caravan Lifestyle Expo](https://www.caravanexpo.com/newcastle/ "Newcastle Caravan Lifestyle Expo"). - 6- 8 February Let’s Go Gold Coast Caravan Expo. - 6 – 8 February Wagga Wagga Caravan Leisure Roadshow. - 18 – 22 February [Victorian Caravan Supershow](https://www.caravanshow.com.au/shows/the-victorian-supershow/). - 25 February – 1 March South Australia Caravan and Outdoor Show, Adelaide Showground. - 27 February – 1 March Wangaratta Caravan and Leisure Roadshow - 19 – 22 March Perth Caravan Show, Claremont Showground. - 27 – 29 March Border Caravan and Camping Leisurefest, Wodonga. - 28 April – 3 May [NSW Caravan Supershow](https://www.supershow.com.au/ "NSW Caravan Supershow"), Rosehill Gardens. Check the event websites for ticketing details closer to the date. ## Tips for Buying at 2026 Caravan Shows Here’s a few tips that may improve your experience when buying a RV at an industry event. Read our blogs for loads of information on buying a caravan. Review the event website well ahead of the start for what manufacturers will be exhibiting. Earmark those you specifically want to inspect. Check the site map with exhibitor locations and plan your way around the event to ensure you don’t miss inspecting your preferred makes and models. Access our finance calculator on your phone for quick loan estimates and to compare our rates with any dealer finance you may be offered at the show. Arrange finance before the show to be ready to order and to be prepared for show specials. These may not be advertised until the event opens. Having finance locked in before the gates open may place you in an ideal position to take advantage of discounts and limited-edition stock on offer. **Contact Jade Caravan Finance [1300 000 003](tel:1300000003) to arrange finance to buy at 2026 caravan shows.** *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.* **Categories:** Caravan Buying Articles --- ### [What is a personal balance sheet? How does it affect a caravan loan?](https://www.jadecaravanfinance.com.au/blog/loan-tips/what-is-a-personal-balance-sheet-how-does-it-affect-a-caravan-loan) **Published:** November 26, 2025 **Author:** Publisher **Excerpt:** A personal balance sheet is a list of the assets and liabilities and debts held by an individual, detailing what they own and what they owe. **Content:** A personal balance sheet is a list of the assets and liabilities and debts held by an individual, detailing what they own and what they owe. This information is used by lenders when assessing loan applications. While balance sheets are widely associated with businesses, they may not be as closely associated with personal finances. You may not be the type to keep spreadsheets of your personal finances, but just about everyone has a personal balance sheet. For those that are new to this concept, think of it as a record of weighing up what you own, your assets, against what you owe, your debts and liabilities. Where you own more than you owe, the balance sheet would be seen as positive. Where an individual owes more than they own, this would be seen as a negative. Unless required for a specific purpose, individuals do not need to keep a record of their assets and liabilities. But the information will be requested by lenders when a finance application is submitted. ## Personal Balance Sheet Inclusions When asked to provide your personal balance sheet, you will need to make a list of your assets and a separate list of your liabilities. Assets are typically valued at what they would sell for in their present condition. Assets typically include real estate property both the home and investment properties, motor vehicles, boats, RVs, artwork, jewellery, household items and furniture and other items of value. When asked for these details, a lender or other party may request valuations. Financial assets include cash in the bank, shares, bonds, superannuation, gold, and similar. Individuals with their own business may be required to details their asset holdings in the business separately. The list of liabilities would include debts and other commitments. These would include mortgages on property, car, boat, RV and personal loans, tax bills, and others. Lenders also treat credit card limits as a liability as the limit represents a potential debt. Not just the current balance. While not strictly defined as balance sheet items, lenders may also request details of regular outgoings as liabilities. These include rent, bills such as telcos, streaming services and power, insurance, rates and general living expenses. Where assets are under finance, that is the individual is paying off a loan, the goods would be considered an asset and the amount still owed on the loan as a liability. ## How Personal Balance Sheet Affects RV Finance When applying for [Secured Caravan Finance](/secured-caravan-finance) or an [Unsecured Personal Loan](/unsecured-personal-loans) for a recreational vehicle, lenders will request details of assets and liabilities. Under Consumer Credit Laws as regulated through [ASIC](http://www.asic.gov.au "ASIC") credit providers must request certain information from applicants on their financial position to assess the application. Lenders will be assessing the individual’s ability to service the loan amount requested with their income level, wealth and their existing commitments. Debts and liabilities are also listed in an individual’s Credit Report. A high level of debt may equate to a less than good credit score. This may negatively impact the interest rate offered. Income is separate from the asset/liabilities and is a key determinant of an individual’s borrowing power or the credit limit approved by a lender. But the income will be assessed against current debts and other regular financial commitments. Where an individual has a higher level of liabilities than assets, they may be seen as a higher risk and attract a higher interest rate or lower credit limit. Where secured finance is being sought, the goods are used as the loan collateral. Many applicants are not required to provide other assets as security for that loan. Asset holdings may be less important to the application assessment than the liabilities. When planning to purchase a RV with finance, preparing a list of assets and liabilities may expedite the loan approval process. Having all the required documentation ready to provide to our brokers may avoid delays. ## How and Why to Improve a Personal Balance Sheet Have a positive rather than a negative assets-to-liabilities balance may contribute to a higher credit limit, lower interest rate and a more affordable RV loan. Before submitting a loan application, individuals may prepare their lists and review how they may improve their position. Essentially, this would involve addressing any imbalance between liabilities and assets. Finalising other loans before applying for a new loan can be worth considering where possible. Without that debt, the balance sheet and, potentially, the credit score would be improved. Contacting the bank and having a credit card limit reduced may also improve the position as lenders treat the limit, not the balance, as the liability. Where multiple cards are held, consider cancelling those that are unnecessary or rarely used. **Contact Jade Caravan Finance 1300 000 003 for information on what details of your personal balance sheet will be required to apply for a caravan loan. *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.* **Categories:** Loan Tips --- ### [Guide to fast pre-purchase RV finance approval for Newcastle Caravan Show buyers](https://www.jadecaravanfinance.com.au/blog/industry-news/guide-to-fast-pre-purchase-rv-finance-approval-for-newcastle-caravan-show-buyers) **Published:** July 22, 2024 **Author:** Publisher **Excerpt:** RV buyers with plans to order new vehicles at the Newcastle Caravan Show can obtain fast RV finance approval before the event through Jade Caravan Finance. **Content:** As specialists in RV lending, we know how much outdoor and caravanning enthusiasts love industry expos and shows. These are great opportunities to catch up on the latest products and innovations and an ideal chance to purchase new vehicles. With two great events happening in coming weeks – the Roadshow at Clarendon at the end of July and the Newcastle Caravan Show in early August, it’s time to start planning your visit and getting your RV finance approved. Why would you apply for a caravan loan before you’ve made a final decision on what to buy? Buyers that typically leave finance to the final stage of the buying process, may be missing out on the benefits of pre-purchase finance approval. Benefits that many RV buyers that always schedule confirming their loan as the initial purchase step have long been realising. They may have beaten you to capturing limited stock at some stage! Securing limited stock and limited-edition vans is just one of the benefits that Jade can offer by securing finance for buyers prior to purchase. Having the loan confirmed may avoid difficult scenarios such as signing a sales contract for a certain price with plans to borrow a certain amount, only to find on applying, that credit amount is not approved. Or that your repayments on the loan required overstretch your budget. Causing an urgent rethink to either cancel the purchase and lose a non-refundable deposit or use savings to make a larger deposit and reduce the loan required. Where we arrange approval of your caravan loan prior to purchase, you know exactly your credit limit, your repayments based on the conditional approval, and can then proceed confidently to match your RV purchase with your approved finance. That confidence and assurance can be invaluable when attending an expo such as the Newcastle Caravan Show, with plans to place an order. You may receive discounts with offers only available to buyers at the event, be THE one to purchase that special edition model, and be ready to buy to speed up delivery time. RV buyers with plans to order new vehicles at the Newcastle Caravan Show can obtain fast RV finance approval before the event through Jade Caravan Finance. The process is easy, streamlined and with the assurance of our signature best interest rates. ## Understand the Basics of Pre-Purchase Caravan Loan Approval For buyers that are considering securing their caravan loan before purchase for the first time, understanding the mechanics of the process may provide that extra level of confidence to apply with Jade. All new RV types, makes and models can be financed with a pre-purchase loan. That includes traditional caravans, camper trailers, motorhomes, toy haulers, off-roaders and hybrid models. The same lending products apply for both post purchase loans and finance arranged prior to a sale. For the majority of new RV buyers, our very popular [Secured Caravan Loan](/secured-caravan-finance) will be the loan product of choice. This credit facility has a straightforward format with the vehicle used as security for the loan. We secure loans with our best fixed rate of interest over a fixed term, to deliver a fixed repayment schedule. Many buyers can also be approved to included extras and accessories in their RV loan, where ordered at the same time and from the same dealer as the vehicle. Our processes for applying and being approved is the same for pre and post purchase loans. The only difference with a loan applied for prior to final vehicle selection is that the details of the RV, including price and hence exact finance required, are not available. These details are required by lenders in order to assess the applicant for a credit limit, interest rate and to accept the RV as finance security. We work around these missing details by requesting estimates and indications from our loan applicants. Most buyers will have an idea of the van type they are considering, price range and the finance amount they will require. With this information, we proceed to secure the best rates from the right lender and present the best offer with conditional approval. After the purchase is made, we finalise the details and the offer. If the buyer does not proceed to buy at that time, the validity time for the pre-approved offer simply expires with no obligation attached. ## Secure Jade’s Best Rates on Pre-Purchase RV Finance When applying for a caravan loan before a purchase, say at the Newcastle Caravan Show, buyers can be assured that they will receive our [best rate of interest](/interest-rates) on their loan. Our brokers work just as hard on securing the cheapest rates available from our many lenders to match the profile of buyers, whether the application is made before or after the purchase is made. To start planning prior to lodging an application, buyers are welcome to calculate their own loan estimates using our [caravan finance calculator](/loan-calculator). Show tip – keep this calculator accessible on your phone when browsing at the Clarendon or Newcastle event. You will be able to quickly get loan estimates on RVs during the inspection to rule them in or out of your possible purchase list. ## Upcoming Caravan Show Details The Greater Sydney Caravan, Camping and Leisure Roadshow is the next stop on the caravan event schedule for NSW buyers. Set for 26-28 July at Hawkesbury Showground, Clarendon, just north-west of Sydney’s CBD. An impressive list of exhibitors will be displaying, including some of the top names in caravan manufacturing such as Ezytrail, Signature, Jayco and many others. Tickets can be purchased online so you’re ready for gates opening at 9am on the 26th. Then it’s time for the Newcastle Caravan Show to get underway. This is a major regional event on the annual show calendar, scheduled for Friday 9 to Sunday 11 August at Newcastle Showground. Opening hours are 9am to 4pm Friday and Sunday and 9am to 5pm on the Saturday. Tickets can be purchased at the gate and parking is available at the showground site. Exhibitors include a plethora of caravan and camper manufacturers and dealers, boating products, and 4×4 products and accessories. Brands such as Austrack Campers, Ezytrail will be there amongst others which you can review at the [event website](https://newexpo.com.au/exhibitor-directory/). ## Last Minute Buying Decision? Get Jade’s Fast Caravan Finance Approval Many buyers can receive their finance approval within 24 hours. So even if you’ve left your buying decision until the last minute, apply today and we’ll be straight onto securing you the best cheap caravan loan offer and approval. Apply online or give us a quick call. Get organised for the Newcastle Caravan Show today! Apply for fast approval RV finance with Jade Caravan Finance. *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.* **Categories:** Caravan Finance, Industry News --- ### [How to Get Fast Caravan Loan Approval Without Compromising on the Best Rates, Deals](https://www.jadecaravanfinance.com.au/blog/caravan-finance/how-to-get-fast-caravan-loan-approval-without-compromising-on-the-best-rates-deals) **Published:** July 8, 2024 **Author:** Publisher **Excerpt:** As specialists in RV finance, Jade Caravan Finance assists buyers get fast caravan loan approval without compromising on the best interest rates and terms. **Content:** When buying an RV with finance, many buyers will be seeking fast caravan loan approval so they can commit to the purchase and get the process moving. Many RVs, especially traditional caravans, are built to order. Buyers can still have some time between the time they commit to buy a vehicle and the time they can head off in their new RV for their first holiday. So, the faster their financing can be approved, the sooner they can start travelling. But many buyers may wonder if seeking finance through a lender that offers fast approvals means they will need to compromise on being made the best loan offer? This can be considered from a number of perspectives. Where a buyer is in such a hurry to get caravan finance that they apply to the first lender they find, possibly the caravan dealer, then they may be compromising as a better rate offer may be available through another lender. But where a buyer utilises the services of a specialist RV finance broker, there should be no compromising on the loan offer. As specialists in RV finance, Jade Caravan Finance assists buyers get fast caravan loan approval without compromising on the best interest rates and terms. We share some tips and intel that may help buyers be more prepared to apply for caravan finance and as such, expedite approval. ## Caravan Loan Approval Guidelines, Impact on Approval Speed The guidelines for approving RV finance applications can vary with different lenders. As consumer credit, caravan finance is regulated by [ASIC](https://www.asic.gov.au), which stipulates what details lenders need to gather and consider. But approval guidelines are essentially set by individual lenders. The issues that lenders look for in approving RV finance are income levels compared with recurring and ongoing expenses; financial position in regard to assets and debt levels; solid employment; and very importantly, the applicant’s credit score. The income can impact the credit limit for the individual. Where a loan amount beyond that credit limit is applied for, the application may be rejected. The buyer will need to ‘go back to the drawing board’ and either pay a larger deposit to reduce the financing required; or select a less expensive RV. All that can take time which can hold up approval. Credit scores are critical to the interest rate offered but also to getting approved. Applicants with good credit scores may expect faster loan approval than those with less than good scores. To get fast approvals, buyers need to apply to the lender with approval criteria that is in line with their credit and financial profile. This would be a tough ask for buyers that do not typically have intel on lender approval criteria. They may opt to make applications to numerous lenders to see which comes back with the best offer. But that can damage their credit score. Solution is to use our services. We have over 80 lenders and we know the matrix that our lenders use in approving applications and in making rate offers. We match customer and lender to ensure both the best rate offer is received and the application can be approved promptly. ## Applying for a Caravan Loan Knowing what is involved in applying for RV finance may contribute to faster approval. A quote can be received based on a few initial details. The application form is more involved procedure and requires providing documents and details to the lender or broker. The information required to apply for consumer credit includes:- verifiable proof of employment and income; tax returns; details of residential status; details of debts and expenses; and similar documentation. The lender then assesses the application to making any loan offer including the interest rate, loan amount and term, and for approving the application. When an offer is accepted, the loan is finalised, and settlement is arranged. ## Tips for Fast Caravan Loan Approval Here’s a few tips for getting fast caravan loan approval: - While checking out caravans, also start gathering the necessary financial documents in readiness to submit with the application – income tax return, proof of income and employment, etc. Any delay in you having to source these documents can delay approval. - Have the necessary details on the vehicle being purchased ready. The lender will need to know what vehicle is being purchased. Have the dealer invoice ready to submit or if applying for pre-approved finance, prepare a brief of the vehicle you are planning to buy. - Insurance is required on goods under finance. Lenders will not settle until details of the insurance cover is provided to them. Get insurance quotes and make a decision on insurer asap so you can quickly finalise that aspect. - Have a ‘Plan B’ to make a larger deposit if the loan amount requested is not approved. This information can quickly be communicated to the lender and the application processing may then proceed based on the amended loan amount. - Improve your financial position prior to applying by paying off debts such as credit cards and loans. - Use a [finance calculator](/loan-calculator) while considering RVs to purchase, to obtain loan estimates to ensure the vehicle being purchased is within affordability and loan amount required within lender approval guidelines. Applying for a loan for vehicle amount beyond credit limit will waste time in getting approved. - Apply for pre-approved finance to be ready for a quick purchase. - Use Jade Caravan Finance brokers to handle your loan – from initial enquiry, through application process and approve, and on to settlement. All buyers can use our broker services to source RV financing on all types of vehicles. We always source the [most competitive rates](https://www.jadecaravanfinance.com.au/interest-rates), and many applications are approved in 24 hours. **Don’t delay travel plans or compromise on the best rates – apply for RV loans with Jade Caravan Finance.** *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.* **Categories:** Caravan Finance --- ### [Ordered best new caravan models at Brisbane Show? Secure best finance to complete the purchase.](https://www.jadecaravanfinance.com.au/blog/caravan-finance/guide-to-new-caravan-models-in-brisbane) **Published:** October 28, 2024 **Author:** Publisher **Excerpt:** Finance for new caravan models is available with secured loans at highly competitive rates through specialist RV finance brokers, Jade Caravan Finance. **Content:** RV shows are must-attend events for serious buyers as manufacturers typically use these events to launch and showcase their new caravan models. Providing opportunities for buyers to easily compare several vehicles from different brands almost side by side, in the same location. The Brisbane Caravan Show provided several brands and keen buyers with such an opportunity – to see and order the best new caravan models. If you placed your order at the event, or you are considering your options to make the final decision post-event, the next step is to secure the best RV finance to complete your purchase. We explain the most suitable loan products for the latest RVs, how to reduce the total spend through effective financing, and note some of the latest new-release RVs we finance. ## Financing New Model Caravans Finance for new caravan models is available with secured loans at highly competitive rates through specialist RV finance brokers, Jade Caravan Finance. Financing new RVs can be extremely affordable and accessible to many buyers with a secured format loan. A [secured RV loan](/secured-caravan-finance) allows buyers to use the vehicle as the collateral for the finance. Making a purchase more accessible to more buyers who may not have significant other assets to provide as loan collateral. Lenders register their financial interest in the RV with the [PPSR](https://www.ppsr.gov.au). This interest is released when the loan is finalised. With the collateral for the loan covered, lenders have their assurance that the funds can be recovered should the borrower default on their repayment commitments. This is not only convenient for the buyer as it can leave other assets uncommitted, but it can provide lenders with greater confidence to offer better rates. Buyers can easily estimate their RV repayments using our [finance calculator](/loan-calculator) with our current best interest rates to generate estimates. Rates do vary across the market and for individual buyers. But the calculator and our latest rates, can provide an indication of what we may achieve for your finance. ## Reducing the Outlay for New Model Caravans While buying a newer rather than a second-hand model is an exciting prospect, the pricing can be significant. To ensure the purchase is affordable, buyers can look to reducing their total outlay through reducing their finance costs. This may be achieved primarily by securing the lowest possible interest rate and by lowering the sum borrowed. Let’s first look at the borrowing amount. Borrowing limits will be determined by a lender when assessing an application and this may set the loan amount and as such, any deposit required. Many buyers may be looking to borrow as greater percentage of the purchase price as possible. Borrowing the full price is known as no deposit finance and can be approved, subject to individual loan applications meeting certain criteria. While this can be convenient to buyers, not having to use other funds as a downpayment, it does result in a higher monthly repayment than when a deposit is paid and overall, more interest accrues. Making a deposit reduces the amount borrowed, the monthly commitments, the interest accrued, and the overall acquisition cost of the vehicle. Use the calculator to work out repayments with different loan amounts to clearly see the effect of deposits on RV loan repayments. Now to interest rates. The interest rate has a significant effect on the overall cost of the finance and therefore the total outlay for RV. Rates vary across the lending sector and with our vast access to many banks, finance companies and non-bank lenders, we have the resources necessary to quickly find the best rates. Once again, use the calculator to work out repayment comparisons with [our rates](/interest-rates) and rates sourced from other lenders. This will provide a clear indication of how lower rates can provide for a more affordable purchase – both on a monthly repayment basis, and based on the overall outlay for the vehicle. ## Spotlight: Brisbane Show New Caravan Models We can provide financing for all the latest releases, including those showcased at the Brisbane Caravan Show. These include both models from Australian manufacturers and those from importers such as the SR22 from MDC. Recent releases at the Brisbane showcase included On the Move’s Grenade, new pop-tops from Snowy River Caravans – did you see their new Van Cave, hybrid off-roads from Austrack, an all-electric proposition from Van Cruiser, and the F14 hybrid pop-top from Cub Campers. The F14 is Australian-made and provides buyers with a low profile, off-road vehicle which does not skimp on comfort and luxury. Described as a fusion of camper and caravan, the F14 has a low-profile styling with a 2.06m travelling height and is designed to fit in a standard garage or carport. A great consideration to protect the vehicle when not in use and reduce the cost and necessity of paying for off-site storage when not in use. Whatever latest release vehicle you’ve selected, speak with Jade about making the purchase more attractive with affordable RV finance. **To finance new caravan models with the most affordable loan, speak with Jade Caravan Finance or request a quote online.** *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.* **Categories:** Caravan Finance --- ### [What is a pre-delivery caravan loan?](https://www.jadecaravanfinance.com.au/blog/caravan-finance/what-is-a-pre-delivery-caravan-loan) **Published:** November 14, 2025 **Author:** Publisher **Excerpt:** 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. **Content:** 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](/secured-caravan-finance). 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](/interest-rates) and use [our Finance Calculator](/loan-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](https://www.outdoorlivingcaravanexpo.com.au/geelong/ "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.* **Categories:** Caravan Finance --- ### [Last minute holiday plans? What is the best way to get fast caravan finance approval?](https://www.jadecaravanfinance.com.au/blog/caravan-finance/last-minute-holiday-plans-what-is-the-best-way-to-get-fast-caravan-finance-approval) **Published:** November 3, 2025 **Author:** Publisher **Excerpt:** Fast caravan finance approval can depend on lender processes and applicant’s preparedness, with Jade Caravan Finance offering 24-hour approval for many buyers **Content:** Fast caravan finance approval can depend on lender processes and applicant’s preparedness, with Jade Caravan Finance offering 24-hour approval for many buyers. Our quick approval processes can be invaluable for many buyers and for a range of scenarios. At this time of year, it could be a change of holiday plans that means the need for a RV. Your current vehicle may not be suitable for your plans to head off the black top. Possibly extra friends are coming along, and you need a bigger vehicle. Buyers may have decided at the last minute to attend some of the final expos for the year such as the [Leisurefest in Bendigo](https://www.caravanshow.com.au/shows/the-bendigo-caravan-camping-leisurefest/ "Leisurefest in Bendigo") and quickly need to get finance sorted. You may have finally found the perfect used RV and want your loan sorted pronto so no one else beats you to buy. Possibly you’re heading to the [Sydney RV closing down sale](https://sydneyrv.com.au/ "Sydney RV closing down sale") and you need a loan so as not to miss out on their great discounts. Whatever the reason, many of our customers can receive their loan approval within 24 hours. While we handle all the details with lenders, review our tips for how you can be best prepared to get your loan finalised quickly to make your purchase. ## Which type of loan is best to get fast caravan finance approval? While applications for all types of credit product may get quick approval, [Secured Caravan Loans](/secured-caravan-finance) on new models may require less checks than for a used RV. Secured loans use the goods being financed as the loan collateral. Lenders will need to assess the vehicle as suitable collateral. New vehicles are generally readily accepted while lenders may want more verifiable details on the condition of a second-hand vehicle. Where a vehicle is not acceptable collateral, an Unsecured Personal Loan may be required. To expedite the approval process, buyers can consider the features of these different loan products and the suitability of their vehicle for collateral before applying. Applying for the right loan from the start, may expedite the process. ## Will the loan cost more if I ask for fast approval? How much a loan costs depends on the interest rate and lender fees and charges. The rate is determined by the financials and credit score of the applicant and the loan amount requested compared with the value of the van. Requesting the application to be approved quickly should not affect these factors. The ‘speed’ issue which may affect the cost of a loan is rushing to accept a dealer finance offer without considering other options, especially using a broker such as Jade. Rates vary across the lending market and with our access to 80+ lender we find the [most competitive rates](/interest-rates) available, quickly. . ## What can I do to ensure I get fast caravan finance approval? Buyers may contribute to having their application approved faster by being prepared and applying for their loan through a broker like Jade, rather than spending time trying to find the best lender. Lender approval criteria, including borrowing capacity, can vary across the market. These may impact the time to get approved. By applying to Jade, your broker quickly matches you to the right lender so there are no delays in getting straight into the quoting and application processing stages. Being prepared to complete the application form in full can be key to how long it will take to receive your approval. While your borrowing capacity will be determined by the lending, requesting a loan within your financial means from the start, may speed up approval. Where the application is for a loan amount beyond the borrowing capacity determined by the lender, the applicant will need to reassess their requirements. That may mean making a larger deposit or buying a lower-priced van to apply for a lower loan amount. All taking time and slowing down the process. Use [our Finance Calculator](/loan-calculator) to get repayment estimates on different priced vans and with different deposits until you obtain the estimate in your ballpark. The calculator is quick and easy to use. You can get your estimates in a few seconds and be ready to apply for a realistic loan amount. Ensure you’re 100% ready to apply by gathering your documents and financial details and the necessary information on the RV. Docs required include payslips, income details, employment, tax returns, bank statements, residential details and similar. Scan or photograph hard copies so they are ready to email or upload to Jade. RV details required are the make, model, year, new or used, purchase price, registration if registered, and other specs. If a used model, more details, possibly photos, on the condition may be requested. Have all that ready to give to your Jade broker so we can quickly get on with processing your application. If applying for a secured credit product, you will need to have comprehensive insurance on the vehicle. While we’re processing your application, contact insurers to secure a cover note. The lender will not proceed to settlement until they receive proof of insurance. A cover note provides interim coverage while the policy is being finalised. ## How do I apply for 24-hour caravan finance approval? To apply for your RV loan with Jade, contact us online or by phone. Your broker will request the necessary details and docs and help you complete the application. We’ll then handle it from there and get back to you with your quote. Accept that and the application processing can be completed and the finance available for settlement. **Don’t miss out on buying your choice of RV, apply now for fast caravan finance approval with 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.* **Categories:** Caravan Finance --- ### [Finance Approvals Now Available for Canberra Caravan Show buyers](https://www.jadecaravanfinance.com.au/blog/caravan-articles/finance-approvals-now-available-for-canberra-caravan-show-buyers) **Published:** September 22, 2025 **Author:** Publisher **Excerpt:** Buyers planning to place their RV order at the Canberra Caravan Show in October, can apply for pre-purchase finance ahead of the event with Jade Caravan Finance. **Content:** Buyers planning to place their RV order at the Canberra Caravan Show in October, can apply for pre-purchase finance ahead of the event with Jade Caravan Finance. Approaching the process of ordering a RV from the finance first angle rather than the purchase first, can present many advantages to buyers. These benefits may be even more significant when ordering at a very busy RV lifestyle expo such as the event in Canberra. The Canberra Caravan Lifestyle Expo is one of the last shows for the year, with the [Bendigo Leisurefest](https://www.caravanshow.com.au/shows/the-bendigo-caravan-camping-leisurefest/ "Bendigo Leisurefest") in November the final major event on the calendar. If you’re interested in getting a RV for the summer holiday season, then this event could be your ideal opportunity to see many models on display in the one place at the same time and place your order. ## Finance Options for Canberra Caravan Show Buyers The same types of loans apply for finance applied for before and after the RV is ordered or purchased. The same credit products can be used to finance all types of RVs – traditional caravans, camper trailers, campervans, hybrids, mobile homes, toy haulers, from both Australian and overseas manufacturers. When ordering a recreational vehicle at an expo, the vehicle will be new rather than used. The most widely used credit product for new RVs is a [Secured Caravan Loan](/secured-caravan-finance). This provides buyers with a simple format and streamlined facility for financing their vehicle. New RVs are typically accepted as the collateral for the loan. The lender registers their interest in the vehicle with the [PPSR](http://www.ppsr.gov.au "PPSR") and releases the interest when the loan is finalised. As the vehicle is the security for the loan, the vehicle must be fully insured for the full finance term. Depending on individual buyer profiles, most won’t be required to put up additional assets as loan security. The interest rates on our secured loans are fixed and won’t change over the full term of the loan, regardless of RBA rate decisions and fluctuations in the lender’s rates. Terms are fixed and negotiated by our brokers to best meet individual buyer requirements. With fixed rates and a fixed term, the monthly repayments are also fixed. Providing caravanners with peace of mind that they can enjoy many years of holiday and travel in their RV without worrying that their loan commitments will change. The full purchase price of the RV plus accessories and extras ordered with the vehicle, may be covered with the finance, subject to individual applications. When applying for finance before an order has been placed, buyers won’t know the purchase price and hence the loan required. Many may not have made a final decision on which model to order. To complete a pre-purchase loan application, buyers can estimate their loan requirements. This figure can allow lenders to provide conditional approval of the application. Conditional approval is approval of the application for a set loan limit or borrowing capacity. The specifics of the loan such as the exact amount, will need to be finalised after the order is placed and the specific figures are known. Pre-purchase loan approvals are valid for a set time after which they expire if not used. There is no obligation on the part of the buyer to proceed with the loan if they change their mind and don’t proceed to order. To work out loan estimates ahead of the upcoming expo, use our [Finance Calculator](/loan-calculator). ## Advantages of Finance Approval Before Canberra Caravan Show The benefits of securing finance approval before an expo include the confidence to order. Buyers can narrow down their inspections on the day to only those models with price tags within their approved loan limits. Buyers can specify the extras and options to not only suit their lifestyle, but also their loan limits. Having finance secured can also allow buyers to capitalise on any discounts available as show day specials or commit to limited edition and one-off models which are often displayed at these events. ## **Canberra Caravan Show Event Details** Canberra Caravan Lifestyle Expo will be held over 3 days, 24-26 October at Exhibition Park in the national capital. Gates are open 9am to 4pm daily and free parking is available. Tickets cost $16 adults with children under 16 yrs free. Tickets can be [booked online](https://supershow.oztix.com.au/outlet/event/8487d8b1-1553-4331-b0c2-21844cccac1a "booked online") or visitors can ‘tap and go’ at the gate on the day. The expo is dog friendly and has plenty to keep the kids entertained, so an ideal occasion to bring the entire family. ## Plan the Exhibitors to See Over 140 exhibitors are expected to display vehicles and equipment at the event. Refer to [the listing and the map on the website](https://www.caravanexpo.com/canberra-expo/exhibitors/ "the listing and the map on the website") to plan which manufacturers to visit on the day. ## Show Attractions In addition to the exhibitors, there is a great schedule of entertainment and attractions planned for the expo. Legendary expert Pat Callinan will be on hand to give presentations, there will be daily seminars, a towing zone to test your skills and capabilities and entertainment for the kids. **Start activating your plan to order your RV at the Canberra Caravan Show by applying for finance with 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.* **Categories:** Caravan Buying Articles --- ### [Simplify the caravanning experience in a new model campervan or motorhome](https://www.jadecaravanfinance.com.au/blog/caravan-articles/simplify-the-caravanning-experience-in-a-new-model-campervan-or-motorhome) **Published:** September 30, 2024 **Author:** Publisher **Excerpt:** Jade Caravan Finance assists buyers to simplify the caravanning experience with affordable finance on a new model campervan. **Content:** Many Australians would love to get into caravanning and enjoy the great lifestyle, holidays and travel opportunities owning a caravan provides. But many are held back or hold back from purchasing a van by not having a suitable towing vehicle, lack of storage when not in use, issues with towing abilities, and other situations. A new model campervan or motorhome may be the solution. No towing vehicle, less hassle with somewhere to stay, easier to drive and manoeuvre, no need to necessarily stay and pay in parks, and much easier to store when not in use. Jade Caravan Finance assists buyers to simplify the caravanning experience with affordable finance on a new model campervan. See the new model campervan at upcoming caravan shows in Canberra, Brisbane and Melbourne. Here’s a quick overview of some of the models on the market and information on how to finance a new motorhome or campervan. ## New Model Campervan from Emu and Nova A new campervan model has been released by [EMU RV](https://emurv.com.au/new-models), built by Nova Caravans on a Fiat Ducato platform. The big attraction with this model is that it is a four berth. Many campers provide seating for four but typically only sleeping for two. This provides the additional sleeping facilities in a pop-top area. An option which may attract a lot more buyers, especially families, groups of mates, and couples. Safety equipment includes airbags for both the driver and the passenger, ESC, blind spot monitoring, plus many other warning signals and sensors. The layout is designed for function but with style. Buyers can select from a range of options with cooking facilities, bed set-ups, and other inclusions. Being away from home doesn’t have to mean disconnecting. This model includes a range of connectivity with entertainment electronics. The vehicle is a long wheel base configuration with 6.36 metres in length, a width of 2.5 metres and a height of 2.7 metres. The vehicle is powered with a turbo diesel 2.2 litre and has auto transmission. With four berths and well-optioned interior, this may be the solution for getting you on the road and into the caravan lifestyle. ## Go Off the Grid in Trakka’s New Model Campervan Another new model recently unveiled and definitely worth inspecting is the [MY25 Torino from Trakka](https://trakka.com.au/products/torino). The company has announced the return of this model but as the latest generation and could be the ideal vehicle for travellers looking to stay off the grid for longer due to the advanced 48V electrical system. Built on the Fiat Ducato, the Torino includes 460W solar power systems, 140 litre fresh water tank, 150 litre fridge/freezer and a dual induction cooktop which puts convenience into off-grid travelling. And yes, if you’re wondering, it does have a compact shower and toilet bathroom so using free camp sites and off the beaten track locations are a reality with this new model campervan. With this model, Trakka has introduced contemporary colour schemes and design and offer buyers a choice of traditional monochrome, natural country living and an interior with a mid century appearance. Definitely a complete home of wheels which will suit many buyers looking to enjoy the caravanning lifestyle without having to also invest in a suitable towing vehicle. ## New Model Campervan Financing Options It is a motor vehicle but also a recreational vehicle. Is a campervan financed with a car loan or a caravan loan? Good question. In the recreational vehicle lending market, campervans are considered a recreational vehicle and financed with caravan finance, not motor vehicle finance. Buyers looking to finance a new model campervan would typically select a [Secured Caravan Loan](/secured-caravan-finance). With this straightforward format facility, the campervan is accepted as loan collateral and the borrower repays the loan in equal monthly repayments over a fixed finance term. We secure this credit facility with a competitive fixed interest rate, so repayments remain unchanged over the term, for worry-free travelling. Buyers may be approved for no deposit financing, which may add an additional level of convenience to the purchase – no downpayment required. Buyers planning to inspect and possibly order one of the latest campervans at an upcoming caravan show, can be organised by securing finance before the event. Finance applications can be approved prior to purchasing a RV, with an estimated loan amount and an indication of the type of RV being considered for purchase. Pre-approved finance allows buyers to confidently proceed to place orders and select options and accessories to their approved borrowing limit. Rates, borrowing limits, terms and loan products are the same for pre and post-purchased finance. ## Comparing Campervan Models with Finance Calculator With several new campervan models on the market, making the choice as to which to buy may be a challenge. If pricing is a deciding factor, use our [Finance Calculator](/loan-calculator) to compare models based on estimated repayments. **Get into caravanning more simply with a new model campervan – no tow vehicle required, easier to drive, and less storage required. To simplify financing a campervan, contact Jade Caravan Finance.** *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.* **Categories:** Caravan Buying Articles --- ### [How to confidentially, privately assess your RV loan options prior to purchase](https://www.jadecaravanfinance.com.au/blog/loan-tips/assess-rv-loan-options) **Published:** October 14, 2024 **Author:** Publisher **Excerpt:** Jade Caravan Finance provides online resources and financing calculators to enable caravan buyers to assess their RV loan options privately, in their own time. **Content:** Buyers planning to take on finance to buy a new caravan, camper or motorhome, can have many unknown factors around their options. It may have been some time since they applied for finance, and they may not be aware of the current credit products. They may not be certain that they can actually afford the credit repayments on the model they want. Buyers may be tossing up about how much they should put down as a deposit. While they could contact a lender or broker for answers to their queries, we appreciate that many will prefer to do their assessments and evaluations privately and confidentially. Jade Caravan Finance provides online resources and financing calculators to enable caravan buyers to assess their RV loan options privately, in their own time. Allowing buyers to confidentially prepare and plan their purchase and their financing preferences, before visiting a RV dealership or contacting a lender. ## Review RV Loan Products The most popular credit product to finance new and good quality second-hand vehicles is a secured loan. The [Secured Caravan Loan](/secured-caravan-finance) can be used for financing all types of RVs – caravans, campervans, motorhomes etc from all manufacturers including [Jayco](https://www.jayco.com.au), [Supreme](https://www.supremecaravans.com.au) and others. Vehicles totally manufactured in Australia, assembled in Australia, and fully-imported may be financed with a secured credit products. This is a convenient credit product as the lender accepts the vehicle as the loan security and the borrower repays the funds in equal monthly repayments over a fixed term. We provide fixed interest rates and fixed terms on this type of finance to provide buyers with fixed repayments for confidence that their finance won’t change with any RBA rate changes. The alternative to secured credit is an Unsecured Personal Loan. This product does not use the vehicle as finance collateral and attracts a higher rate of interest than secured products. This type of credit may be required for older vans, restoration and refurbishment projects, or where only a relatively small loan is required compared with the value of the vehicle. ## Compare RV Loans with Online Calculator We provide a convenient [online caravan finance calculator](/loan-calculator) to enable buyers to work up their options privately and without contacting ourselves or a lender. This is a must-have tool for those looking to assess their options, compare rates, and make buying decisions with the price range of the vehicle they are buying and the most suitable downpayment. The calculator is easy to use and free to use, without any obligation to proceed further. Buyers can enter the amounts for their purchase and change the rate, term and loan total to immediately see how the repayments change with different combinations. Quickly establishing preferences and clarifying many aspects of the purchase. ## Compare Makes and Models To compare different models using a calculator, users simply enter the price of the van as the finance total in the calculator, along with our current rate as a guide, and their preferred repayment term. The calculator automatically converts that price to a monthly repayment estimate. Keep term and rate the same and enter the price of another model and note the difference. This can be extremely helpful in ensuring the vehicle selected is affordable. Narrow down the wish list to the most affordable vehicles to cut the time to visit dealerships for inspections. There is no maximum price limit when using the calculator. Estimates can be calculated for budget through to the most top-of-the-range, luxury vehicles with all the accessories and extras. Buyers should be mindful that while the calculator will give them the finance estimates, it will be up to the lender to approve their individual borrowing limit. ## Evaluate RV Loan Choices – Rates, Lenders, Deposits Comparing financing interest rates is probably the most common objective for buyers. It’s natural to focus on the rate as this determines the monthly repayment, the total interest payable on the finance, and that in turn impacts the total outlay – the true cost of the purchase. But comparing rates simply as percentages may not provide buyers with sufficient information to make their decisions. The figure that usually has the greatest relevance is how much will they need to pay each month on the loan with that rate? Our calculator makes that conversion a simple process. Simply enter the interest rate in the field and note the repayment shown. Enter another rate while keeping the term and total unchanged to see the repayment estimate with that interest rate. Another big decision for buyers to make is what downpayment should they make. Assess your options by changing the total to allow for different deposits and note the different repayment estimate. You can then make a more informed decision on which is the best option to suit your personal financial situation. When estimates are calculated, buyers can quickly obtain quotes with rates and repayments for their specific application details. **To privately assess RV loan options before applying for finance and before making a final vehicle selection use the calculator provided by Jade Caravan Finance.** *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.* **Categories:** Loan Tips --- ### [What comes first – the RV or the RV loan? Consider our tips when buying a caravan with financing.](https://www.jadecaravanfinance.com.au/blog/caravan-articles/rv-loan-buying-guide) **Published:** November 11, 2024 **Author:** Publisher **Excerpt:** When buying a caravan buyers can secure their loan prior to selecting their vehicle through Jade Caravan Finance, with the same rates as post-purchase loans. **Content:** Peak caravanning and camping season is fast-approaching and it’s time for RV buyers to action their purchase plans. There may have already been plenty of thinking, browsing and inspecting different RV styles, makes and models to arrive at the decision as to which is the right RV for individual holiday and travel plans. But when buying a caravan with financing involved, should the RV be selected first or the should the RV loan be secured first? While you’ve been focussing on the RV selection, perhaps this is not something you have given much thought to. Does it really matter? There can be positives with either approach – loan first, RV first. We address the topic to assist buyers with streamlining their RV purchase process and acquiring the most affordable financing. ## Buying a Caravan – What Factors Affect the Loan In considering loan or RV first, buyers may be helped by knowing more about what is involved in financing a RV. Knowing what does and what does not affect the loan. Firstly, the style or type of RV does not affect the type of loans available. But the age of the vehicle – new or used, can affect the loan. All styles and variants of recreational vehicles including traditional caravans, camper trailers, hybrids, toy haulers, motorhomes, off-road and others, can be purchased with financing. The two types of loan products are a secured loan and an unsecured loan. A [secured RV loan](/secured-caravan-finance) is the most popular choice for buyers of new RVs and quality second-hand vehicles. The lender needs to accept the vehicles as suitable collateral against the loan. This security is registered by lenders on the [PPSR](https://www.ppsr.gov.au). Older vans will need to be considered by lenders and if not considered acceptable as collateral, then unsecured credit is an option. The choice of secured or unsecured loan product does have a significant bearing as interest rates are higher for unsecured loans. The amount that the buyer requests for the loan, which may reflect the purchase price of the RV, can affect any loan offer. Lenders assess applications and particularly applicant’s financials and credit history, to determine their borrowing limit. They will also assess the loan total requested against the value of the RV – the LVR or loan-to-value ratio. The price of the RV, which may reflect the size, quality inclusions and other features, may also impact the interest rate. The price can determine the loan total, which then has a bearing on the risk assessment of the applicant by the lender, which then affects the interest rate offer. Applicants with a good credit score and strong financials attract the best loan offers. Addressing these issues prior to applying may improve any loan offer. This may entail paying off other loan commitments and reducing any outstanding amounts on credit cards. The choice of lender can also affect any loan offer. While secured and unsecured loan products are available through most credit providers, the interest rates offered vary across the market. ## Buying a Caravan – Loan First Benefits When buying a caravan buyers can secure their loan prior to selecting their vehicle through Jade Caravan Finance, with the same rates as post-purchase loans. While loan first or RV first can come down to timing in finding the vehicle and/or personal preference, as specialists in RV financing, we see numerous benefits to sourcing the loan first. When securing their loan before making the final vehicle selection or even starting the search process, buyers may have greater confidence and the selection process may be shortened and streamlined, with the knowledge of how much they approved to borrow. Allowing the vehicle to be selected to suit the loan repayments and to budget. That increased confidence may be helpful when negotiating with dealers on price and when deciding on all those extras and options available with new vans. Knowing the borrowing and buying limit, may assist in not overstretching the budget. Pre-approved financing can be helpful when ordering at RV shows and expos. A very popular way for buyers to explore multiple options at the same time and place and potentially simplify the buying decision. Knowing they have financing approved, can allow buyers to order on the spot and possibly take advantage of any show discounts on offer. Loan first can also be beneficial when buying models with limited availability, including one-off used vehicles. Loan first – be in first to capture the deal. Whether it’s loan or RV first, there are neutral factors – the approved borrowing limit, the interest rate, and the types of loans available will be the same. ## Resources to Assist When Buying a Caravan Buyers can use available tools and resources to assist them in their purchase process. Our specialist RV finance broker service is available for all buyers of all types of RVs, whether opting for loan or RV first. We ensure the most competitive rates from across our vast lender base on both secured and unsecured loan products. To establish a benchmark for buying prior to starting their search, buyers can use our [Caravan Finance Calculator](/loan-calculator). This is a great resource to quickly obtain loan estimates based on a loan amount. Buyers can compare loans for different RVs at different prices and with different borrowing amounts to assess affordability, make deposit decisions, and obtain a better indication of their options. **Whether opting for RV first or loan first, when buying a caravan** **speak with Jade Caravan Finance about our great deals on RV financing.** *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.* **Categories:** Caravan Buying Articles --- ### [Ease the towing burden with great deals on lightweight caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/ease-the-towing-burden-with-great-deals-on-lightweight-caravans) **Published:** August 5, 2024 **Author:** Publisher **Excerpt:** While lightweight caravans ease the towing burden, Jade Caravan Finance eases the finance burden with low interest rate loans for all types of caravans and RVs. **Content:** One issue which keeps many out of the caravanning lifestyle is not having a suitable towing vehicle. Many smaller SUVs and some EVs, simply don’t have the capacity to tow a standard caravan. To open up the market to more buyers, more manufacturers are getting onboard with building lightweight caravans. Lighter weights and better aerodynamic design allow the vehicles to be towed by smaller vehicles than large SUVs and may contribute to easing costs with some manufacturers focussing more on easing the towing burden. Currently a number of manufacturers are offering great deals on a number of lighter weight models, offering buyers a chance to save on the purchase price and ease the towing burden. Check out the current deals and speak with us about how we can sweeten the deal with our competitive interest rate RV loans. ## Titanium Range of Lightweight Hybrids Titanium Caravans are known for setting trends themselves, but in their latest Hybrid Series they have taken the lead from European composite construction style. The HS1 model, built in the company’s Victorian facility, features fibreglass sandwich panel walls, roof and hatches and honeycomb floor. Creating a lighter weight but with the same rugged functionality the brand is known for. The [HS1](https://titaniumcaravans.com.au/models/hs1) is a smart-looking vehicle and buyers can select from Titanium’s range of layouts to have their vehicle set to suit their lifestyle. Current advertised pricing is from $122,230. Potential buyers can head to our [Finance Calculator](/loan-calculator) to quickly convert that pricing to estimated repayments or contact us for a quote. ## Lightweight Caravans from Adria A number of lightweight Adria composite models are also currently available at reduced pricing from [Apollo RV](https://www.apollorvsales.com.au/latest-offers/sale), with savings of up to $25K to be found, if buyers are quick. Tip – speak with us to secure your finance first to ensure you’re ready to commit. These deals are available on floor stock, which means once they’re sold, they’re gone. The Adora PH Sport is one which will be of interest to those with EVs and mid-sized cars that are keen to get into caravanning. This is an ensuite model suited to couples and has a tare of 1610 kgs and ATM of 2050kgs. Weights which make it towable by many vehicles in the mid-sized range and by some EVs. Always check with the car manufacturer’s towing specifications. The price of this vehicle has been reduced from $85,300 to just $61,990. A great saving on the purchase price and the towing burden. The design pays attention to aerodynamic with ground-hugging styling, making it reportedly a very safe caravan to tow. Also reduced is an Adora 542 PH Sport model, now only $56,990 and the Adria Action 361 LT is now down to just under $50k. This is a micro sized model which should be ideal for owners of compact EVs and SUVs as it has lower tare and ATM. ## Easing the Finance Burden with Low Interest Rate Caravan Loans While lightweight caravans ease the towing burden, Jade Caravan Finance eases the finance burden with low interest rate loans for all types of caravans and RVs. With our access to more lenders and our expertise in the RV lending market, we have the capabilities, and the track record, for securing buyers the best deals at the best rates on caravan finance. Lightweight models can provide access to the RV lifestyle for more people, without the additional cost of having to purchase a large SUV or 4×4 to tow the van. If these models spark your interest in getting into caravanning, then first consider the finance options. Those buying their first RV may not be totally across the loan options available to finance recreational vehicles. Not all banks and finance companies offer a specific RV loan but offer a more general personal loan to finance recreational and leisure goods. As specialists in this sector of the market, we do offer loan products specifically for caravans and RVs. Our [Secured Caravan Loan](/secured-caravan-finance) will be the most suitable loan type for most buyers of new lightweight caravans and other RVs. This type of loan allows the RV to be used as security for the financing. Whether additional collateral is required is subject to the lender assessment of the individual application. Loan amounts approved are also subject to lender approval of borrowing capacity, based on the credit profile and income level of the applicant. Criteria for approving applications and borrow capacity can vary across the consumer credit lending market. Having access to 80+ lenders allows our experts to easily and quickly identify which is the most suitable lender for each of our customers. Ensuring customers receive the best rates and quick approval. **To get into the RV lifestyle with one of the available lightweight caravans suited to towing with a compact SUV or EV, speak with Jade Caravan Finance about easing your RV finance burden with a cheap caravan loan.** *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.* **Categories:** Caravan Buying Articles, Caravan Tips --- ### [Start actioning summer holiday plans - new model caravans released ](https://www.jadecaravanfinance.com.au/blog/caravan-articles/start-actioning-summer-holiday-plans-new-model-caravans-released) **Published:** September 3, 2025 **Author:** Publisher **Excerpt:** New model caravans have been released by Grand Caravans, Titanium Caravans, Hardkorr and Austrak in time for those planning summer caravanning holidays **Content:** New model caravans have been released by Grand Caravans, Titanium Caravans, Hardkorr and Austrak in time for those planning summer caravanning holidays. Autumn may have given much of Australia a last cold, snowy flurry, but that shouldn’t deter keen RV buyers from not just making plans, but actioning those summer caravan holiday plans. Ordering the latest releases and applying for finance now, to ensure you have your vehicle in time to head off on your travels, according to your schedule. Now may also be an opportune time to buy new RVs with finance, with further interest rate cuts highly possible from the RBA. Cuts which typically flow through consumer lending markets, including RV finance rates. Lower finance rates may make buying one of these high-end new vehicles a more affordable purchase than you think. Buyers may need to be fast to get orders in to meet their summer holiday schedule. We can assist with pre-purchase loan approval and prompt settlement so the finance is confirmed, and buyers can confidently order their RV to suit their specs. ## New Model Caravans to Check Out For those that like to take loads of toys and gear, including their off-road motorbikes on their adventures, check out the new [Explorer Toy Hauler](https://hardkorrcampers.com.au/products/hkc-xplorer-toy-hauler-1 "Explorer Toy Hauler") from Hardkorr Campers. This is a compact, off-road camper with loads of great features and with a very affordable price from $45,000. This camper includes a patented staircase, dual-lift rooftop tent that takes less than 5 minutes to set up and can take up to 3 dirt bikes. For those needing to take the whole family, check out the new [Stockton camper trailer](https://www.austrackcampers.com.au/product/stockton-camper-trailer/?_gl=1*13v2jhz*_up*MQ..*_gs*MQ..&gclid=CjwKCAjwq9rFBhAIEiwAGVAZP7gKVvsnIRAZQKd-KZ4PxIL1zoKhAtSXM-LcB7R57HweLB0fGw7CtxoCSfEQAvD_BwE&gbraid=0AAAAADNHgXV0ksJfzb9HO4fkDD9TzD5QR "Stockton camper trailer") from Austrack. Both practical and stylish with accommodation is provided with slide-out double beds and with an affordable price tag from $45,000. For those who are quick, you might snag the discount we spied on the website. Heading up the scale in price and features are two releases from [Titanium Caravans](https://titaniumcaravans.com.au/ "Titanium Caravans"). This Melbourne manufactured recently released two ‘flagship’ vehicles – a toy hauler and an off-grid model. These are top of the range vehicles with features described as possibly game changing in the market. Pricing does tip the $200,000 mark so buyers will want to speak with our brokers to secure the most affordable financing possible. Also something special on the market is the Peak from [Grand Caravans](https://grandcaravans.com.au/range/peak/ "Grand Caravans"). Special because it is timber-free. Construction includes fibreglass reinforced floor and panels and interior works with PET foam material. According to the manufacturer, no timber offers a rot-free life for the vehicle. This is an off-grid model which comes in a range of sizes from 15’6” to 22’ with single and tandem axles and is spec’d up with features for luxury adventures. ## Compare Loans on New Model Caravans with Used RVs While buying a new caravan can be pricier than buying second-hand, there can be benefits for buyers on a number of fronts. Maintenance costs may be less in the first years of ownership, the finishes and inclusions may deliver more luxury and efficiency, the vehicle may provide greater reliability and performance, and the financing may be more affordable. More affordable financing because loans for new and used RVs can vary with rates, loan amounts approved which can then affect deposit requirements, and in collateral requirements. RVs being financed are initially assessed for suitability as loan collateral. Where vehicles are acceptable as security, buyers may finance the purchase with a [Secured Caravan Loan](/secured-caravan-finance). This type of loan covers all types of RVs – caravans, campers, camper trailers, toy haulers, hybrids and off-road variants. Where the vehicle is not acceptable collateral, an Unsecured Personal Loan will be required. This type of credit attracts higher rates than secured credit and lenders may have lower borrowing limits on these loan products. ## Estimate Your New Model Caravan Finance To assist in deciding which of the latest models you may buy, use our [Loan Calculator](/loan-calculator). Buyers can quickly get estimated repayments based on any loan amount using the calculator. Compare repayments on loans for the $45,000 camper trailer and toy hauler with the $200,000 price tag of the latest from Titanium. ## Apply for Pre-Purchase New Model Caravans Finance With many new RVs built or finished off to individual order specifications, being first to take delivery of a new van may mean being first in with your order. To be ready to order on your first showroom visit, consider applying for pre-purchase finance. Pre-purchase finance attracts the same interest rates, uses the same credit products, and will have the same loan terms and conditions as loans arranged after ordering the van. The big difference and advantage of pre-purchase finance is that buyers know in advance that they are approved and can confidently order the specs, inclusions and extras to suit their loan. **To be one of the first to take delivery of new model caravans apply for your loan with 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.* **Categories:** Caravan Buying Articles --- ### [How towing a caravan can affect buying and finance decisions](https://www.jadecaravanfinance.com.au/blog/caravan-tips/how-towing-a-caravan-can-affect-buying-and-finance-decisions) **Published:** November 7, 2022 **Author:** Publisher **Content:** When choosing a new caravan and deciding on finance entails many considering many options and aspects, the issue of towing a caravan also needs to be addressed. **Towing a caravan is an important issue when purchasing a caravan and can influence the buying decisions and possibly the caravan finance to make it possible.** The specific issues relate to having a vehicle with capabilities and approved capacity to tow the caravan and the owner have the skills to handle the combined vehicle and caravan load. These are important safety considerations which should be foremost in the mind of caravan buyers. But with price and interest rates also top of mind, the question of how all this may impact the caravan loan will also likely be raised. Getting the right combination of towing vehicle and caravan with the cheapest caravan finance will be the objective for most buyers. ## Towing Vehicles There are two aspects to consider in regard to towing weights and capacities – calculating the towing weight of the caravan and knowing the maximum towing capacity of the towing vehicle. The towing capacity of a vehicle can be sourced through a number of resources. It may be advisable to delve deep into the manufacturer’s specifications and check with the relevant authorities and regulators to ensure the details sourced are accurate. From the caravan perspective, you will need to know the weight when fully ladened. Pedders have a handy guide to calculating caravan towing capacities. Other resources are available through numerous sources. These weights and capacities are extremely important. If the towing capacity of a vehicle is exceeded it may place undue strain on the engine, the transmission, accelerate the wear on brakes, damage tyres and may cause damage to the chassis. Such circumstances may cause issues while towing which could potentially result in an accident and injury. Some of the most popular vehicles for towing caravans are 4×4 utes and dual cab models. They have large towing capacities and offer the additional advantage of space to carry additional gear. For consideration – the Ford Ranger was judged [Carsales Best 4×4 Ute of the Year](https://www.isuzuute.com.au/), while Drive selected the Isuzu D-MAX as its best ute. The Toyota HiLux however, is a regular topper of the best-selling list. If purchasing a new vehicle to tow the caravan, have a word to our consultants as we can assist with motor vehicle finance also. ## Towing Skills A critical part of towing a caravan is the skill factor. Unless the combined weight of both the van and the towing vehicle doesn’t exceed the limits in regard to regulations for a license to drive heavy vehicles, a full driving license is all that’s required to tow a caravan. Check state regulations in regard to P platers and learners. But the gung-ho attitude to towing a caravan has no place on the road. Pure and simple. If you’ve never towed a caravan before or haven’t for some time, put the pride aside and undertake a training course. There are courses available across the country and with increased focus on [caravan road safety](https://www.caravanindustry.com.au/choose-road-safety "Access resources for ensuring caravan road safety"), enrolling in one makes sense. Each year the statistics on accidents involving caravans are stark. The causes can be many but with good skills in handling the van, owners can take a big step towards avoiding many negative outcomes, including injury to themselves and passengers and damage to the vehicle and van. ## Matching Towing Factors with Caravan Choice When deciding to purchase a caravan, one of the first matters to address is do I have the right vehicle to tow the caravan? The type, size and model needs to be able to be towed by the vehicle. Here are a few points to consider:- - Some smaller models advertise that they can be towed by standard passenger cars. - Lightweight vans are increasingly coming onto the market. - Some micro-caravans such as teardrops may be towed by small to medium sized cars. - Slide-ons don’t require a tow vehicle but do require a suitable vehicle such as a ute. - Camper trailers are smaller than a traditional caravan and may not require as large a vehicle. - Larger caravans will need a large, powerful vehicle such as a 4WD, ute or large SUV. - Hybrid caravans are designed for off-road adventures and to enjoy those, buyers will need an off-road vehicle. - Other factors to consider are what extra toys and recreational equipment will be required to take along. Loading up the caravan or the vehicle with extra weight will impact the towing capacity. If the towing vehicle is not suitable, consider a mobile home or a campervan as an alternative. All weights of both vehicle and caravan should be checked in detail for compliance and safety. ## Caravan Finance Considerations So how do all these towing issues affect the caravan loan? Where a caravan buyer does not have the right vehicle to tow the van, they are faced with choices. Either buy both a new vehicle to suit the new caravan or choose a choose a mobile home or campervan. When it comes to the type of loan, there is no difference. Our [personal caravan finance](/overview-of-personal-caravan-loans "Learn about our customised caravan financing") products are suited to all types of RVs – traditional caravans, hybrids, camper trailers, mobile homes and others. What will vary is the price tag and that will of course affect the finance. Larger caravans or more feature-packed and hence heavier models can attract a higher price than a more basic model. Smaller van, smaller price tag? Possibly and possibly not. Some small, quirky models also come with premium pricing. Where a buyer is seeking 100% of the purchase price to be included in the loan, no deposit finance, then the loan amount will of course have an impact on the caravan finance. Higher loan amounts resulting in higher finance repayments. Buyers purchasing a higher priced model and seeking lower repayments can consider:- paying a deposit to reduce the loan amount; requesting a longer loan term which may be negotiated by a Jade Caravan Finance consultant; and/or sourcing the cheapest interest rate. The [interest rates on caravan finance](https://www.jadecaravanfinance.com.au/interest-rates) are not affected by the type or size of caravan. The assessment of the application in regard to creditworthiness is one of the major criteria which determines the interest rate. Using our broker-style lender services may assist buyers to achieve cheaper rates through our multi-lender accreditations. There are many factors to consider when buying a caravan with or without finance and towing is an important aspect. **Contact Jade Caravan Finance 1300 000 003 for better caravan finance.** *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.* **Categories:** Caravan Tips --- ### [The role of caravan finance in ensuring RV is protected with more rain events and potential flooding forecast](https://www.jadecaravanfinance.com.au/blog/industry-news/the-role-of-caravan-finance-in-ensuring-rv-is-protected-with-more-rain-events-and-potential-flooding-forecast) **Published:** October 16, 2022 **Author:** Publisher **Content:** Most Australians, regardless of where they live, need little reminding that it’s been a very wet winter. In fact, make that a very wet…as far back as we care to remember! La Nina has certainly made herself very familiar with the Australian landscape and has now returned for a third visit. **With more rain events and flooding forecast, when buying a new caravan, the caravan finance can play a part in ensuring it is protected in a number of ways**. [The Bureau of Meteorology (BoM)](http://www.bom.gov.au "Visit the Official Website of Australia's Meteorological Bureau.") has forecast La Nina to continue through spring before easing to a more neutral climate driver in 2023. La Nina is defined by above average rainfall and with much of eastern Australia already sodden from earlier rain events, the threat of flooding is very real. When buying a new caravan, buyers will want to be assured that they have their bases covered in protecting their new vehicle in the event of a severe weather event. That protection may be come in a number of forms and may involve the caravan finance. We explain further in this article with information on how we assist caravan buyers in this regard. ## Caravan Insurance Insurance is a key aspect of protecting goods and assets from a range of occurrences. With our [Secured Caravan Loan](https://www.jadecaravanfinance.com.au/secured-caravan-finance) lenders require borrowers to take out insurance for the vehicle being finance. With this type of loan the lender accepts the RV as their security against the finance being extended. In the event that the RV is written-off or stolen, the insurance is intended to cover monies owed in finance repayments to the lender. Where a vehicle is damaged and repairable, coverage will depend on the inclusions in the specific insurance policy. Buyers are advised to read the detail of policies to ensure they fully understand what events and occurrences, such as storms, floods etc are included in that policy. Caravan insurance is available through numerous insurers and your Jade Caravan Finance consultant may assist you with further information if required. Insurance covers against theft and damage but not product faults. Consumer laws are in place to provide buyers of goods with protection against faulty products. Buyers interested in knowing what they are covered for are advised to refer to the [Australian Competition and Consumer Commission (ACCC)](https://www.accc.gov.au/ "Explore the Official Website of the ACCC in Australia") for details. ## Financing Extra Protections In addition to insurance, there may be a range of optional extras and upgrades that buyers can consider to provide additional protection for their new RV. These may include: - Additional chequerboard to protect against stone chips and other damage. - UV protective surfaces. - Tinted windows to prevent damage to interiors from sunlight. - Security door, windows, alarms and quality locks to protect against theft of contents. - Awnings and other canopies to protect people when outside. - Upgrade packs to allow for off-road capabilities and other features. - Protective covers for the vehicle when parked-up and not in use. - Alert and warning systems to notify of potential risks and threats. - Racks and other equipment to secure bikes and other gear on the exterior of the van. - Other systems and equipment as offered by manufacturers. These are the types of protections that Jade Caravan Finance may be able to assist buyers in facilitating. In many instances, the cost of these additional items may be encompassed into the finance for the vehicle. In order for this to be possible, the items must be purchased in conjunction with the vehicle and at the same time. This option would apply to finance for all types of new RVs such as camper trailers, hybrid caravans, toy haulers, traditional vans, mobile homes and others. With the cheaper interest rates that we can achieve, including these extras in the caravan finance can present a very attractive option for buyers. Buyers should be aware that by including extras in the loan amount, the total loan amount would increase and subsequently increase the monthly finance repayments. To arrive at a decision as to whether or not this is a workable and feasible option, buyers can use our [Finance Caravan Calculator](/loan-calculator "The role of caravan finance in ensuring RV is protected with more rain events and potential flooding forecast"). First calculate the estimated repayments on the purchase price of the caravan and note the amount displayed. Then calculate the repayments with the purchase price plus an allowance for any extras. Note the difference and decide if this will work for you. Your Jade consultant may negotiate a longer finance term with our lender which would result in lower monthly repayments. Weather events can present risks to all types of goods including caravans. Attending to issues around protection from risks and threats at the time of purchase and arranging finance may provide owners with greater peace of mind while providing increased protection for your investment. **Contact Jade Caravan Finance on 1300 000 003 to discuss how we can assist buyers better protect their new caravan with finance options.** *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.* **Categories:** Industry News --- ### [Will I get the best loan with caravan dealer finance?](https://www.jadecaravanfinance.com.au/blog/loan-tips/will-i-get-the-best-loan-with-caravan-dealer-finance) **Published:** August 4, 2025 **Author:** Publisher **Excerpt:** Caravan dealer finance provided when purchasing a RV, may be convenient but may not always be the most affordable or suitable loan for that buyer. **Content:** Caravan dealer finance provided when purchasing a RV, may be convenient but may not always be the most affordable or suitable loan for that buyer. With significant amounts involved in the purchase and financing of new RVs, buyers are strongly encouraged to consider their loan options, especially the opportunities available through a specialist finance broker. It may have been some time since you applied for a loan for a recreational vehicle or this could be the first time. You may not be fully aware of the options and opportunities in the loan market. You may feel an obligation to go with the loan offered by the dealer because they’ve possibly done you a great deal on the RV price or they are just nice people. Nice people, seemingly good deal – regardless, ensuring your secure your best possible RV loan should be your priority, and it doesn’t need to be difficult or time consuming. Loan features, interest rates, borrowing limits, terms, collateral and approval criteria can all vary with the lender. Being provided with only the one lender option through a dealer may be limiting your potential to achieve your best loan. We provide this explainer to assist buyers to better understand their loan options and how to secure their best RV loan. ## Understanding Caravan Dealer Finance Providing loans to buyers of a wide range of goods at the point of purchase is not a new concept. It has been available in various forms for many goods for decades. In the RV market, the loan may be offered via the manufacturer’s finance arrangement or through the dealer’s partnership with a licensed credit provider. Buyers will often see a loan deal advertised with RVs, sometimes without a price, just a weekly or monthly repayment figure. With terms and conditions of course applicable. These types of loans are generally provided by one specific lender. Buyers do not get a choice or options to consider, unless the finance partnership is with a broker – more on that below. They may be asked to complete a loan application on the spot or referred to the credit provider representative. ## Caravan Dealer Finance Loan Types To be your best loan, the loan must first be the right type of loan. Most new RV buyers will be requiring a [Secured Caravan Loan](/secured-caravan-finance) where the RV is accepted as collateral by the lender. Secured loans can have a similar format from different lenders but can also have variations. Ensure the limit available for this type of loan suits your requirements. If the maximum is less than you require, you may need to buy a cheaper van or make a larger downpayment. The borrowing limit for individuals is determined by lenders on an individual basis. If the criteria for determining borrowing capacity from that lender does not meet buyer expectations, it may not be their best possible loan. Another lender may approve their application for the preferred amount which may also allow for accessories and other inclusions and for some applications, no deposit finance. The terms available can also vary with secured loans from different lenders. The term impacts the monthly repayments. If the preferred term is not available, buyers may consider applying to another lender or simply engaging with a broker. As specialist RV finance brokers, we have access to many lenders representing many loan products. Enabling our brokers the ability to match buyer with lender and ensure the most suitable loan offer is achieved. All providers of credit to consumer, whether through a dealer or a broker, must adhere to [ASIC](http://www.asic.gov.au "ASIC")’s Responsible Lender Guidelines and be Licensed Credit Providers. ## Compare Caravan Dealer Finance Rates Interest rates vary with lenders. This results in opportunities for buyers to find better rates by covering off on more lenders. Dealers only provide you with the one lender option. Jade provides you with 80+ lenders and an experienced broker to do the work of finding your best possible interest rate. In addition to variations in rates, lenders also vary in offering a variable or a fixed rate loan. Our Secured Caravan Loans are secured with a fixed rate which does not change over the complete term. Variable rates offered on some loans are subject to changes, often when the [RBA](http://www.rba.gov.au "RBA") announces cash rate changes. Comparing interest rates can be done using our [Finance Calculator](/loan-calculator). Enter our latest [best rates](/interest-rates) as a guide and note the repayments to compare with any other offer you have received. Noting that calculator results do not include lender fees and charges. Requesting a quote can provide you with a repayment amount for more accurate comparisons. ## Your Best Loan, Your Best Interests To ensure you have achieved your best RV loan, engage with one of our brokers. We work in your best interests to achieve the most affordable loans for all types of new and second-hand RVs. **Ensure you achieve your best loan by requesting a quote from Jade Caravan Finance 1300 000 003 to compare with caravan dealer finance. *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.* **Categories:** Loan Tips --- ### [Don’t miss your chance see and order the big brands at Sunshine Coast Caravan Expo](https://www.jadecaravanfinance.com.au/blog/industry-news/dont-miss-your-chance-see-and-order-the-big-brands-at-sunshine-coast-caravan-expo) **Published:** July 21, 2025 **Author:** Publisher **Excerpt:** Exhibitors at the Sunshine Coast Caravan Expo will include many of the big-name brands with Jade Caravan Finance on hand to assist buyers with their RV loans. **Content:** Exhibitors at the Sunshine Coast Caravan Expo will include many of the big-name brands with Jade Caravan Finance on hand to assist buyers with their RV loans. Brands such as Avida, Supreme, Jayco, Paradise and many others will showcase their latest models while our experts can advise you on finance. Providing those looking to take advantage of this great show, the opportunity to order their preferred model and talk financing at the same place, at the same time. Buyers can also apply for their loan and receive their approval before the day. To be held at Nambour Showgrounds over 3 big days on 22nd to 24th August, this show is a must-attend for those interested in the latest offerings from the RV industry. See motorhomes, campers, on and off-road caravans, hybrids, slide-ons, plus many accessories and extras to upgrade your existing vehicle. Check out the details and exhibitor listing to plan your visit now. ## [Sunshine Coast Caravan Expo](https://www.caravanqld.com.au/show/lets-go-sunshine-coast-caravan-outdoor-expo/ "Sunshine Coast Caravan Expo") – Details Mark your diary for 22-24 August to head for Nambour showgrounds for RVs, information, accessories, and financing for caravans. Parking is available using the Gate 2 entrance. The event is pet friendly. In addition to exhibitors displaying vehicles, there will be great schedule of activities and entertainment to suit both novices and experienced caravanning and outdoor lifestyle enthusiasts. An important activity for all owners will the Talking Towing VANSafe Masterclass. These experts discuss essential issues for safe caravanning including weights, loading and tow vehicles, and provide tips for owners to set-up their vehicle safely. For tips on maintaining your van, don’t miss checking in with Suncoast Caravan Services and the experts from Southeast Fibreglass. Being on the road and camping does not have to mean compromising on your daily eats. Learn some of the secrets of great camp oven cooking from the Camp Oven Cook himself. Mick will be running demonstrations each day to help with your travel menu. The outdoor lifestyle can mean confrontations with wildlife so don’t miss the show by Reptile Awareness Displays of Australia. These experts will be running fun, informative and educational session with dangerous snakes and a freshwater crocodile. Tickets to the show are now on sale and visitors can save a few dollars by buying their tickets online. Online tickets are $16 for adults and $14 for concession holders with children 17 and under with a paying adult free. If you buy tickets on the day at the date, the adult rate is $18. ## Exhibitors Displaying at Sunshine Coast Caravan Expo Regular visitors to outdoor shows will know how busy these events can be. Serious buyers can easily get overwhelmed by the crowds, multiple displays and the excitement, and totally miss seeing the brands they wanted to inspect. Using the [exhibitor directory](https://www.caravanqld.com.au/exhibitor_show/sunshine-coast-expo/ "exhibitor directory") which the organisers have posted to the website, can make planning a lot easier and distractions avoided. Some of the big manufacturers and brands that will be exhibiting include Paradise Luxury Motorhomes, Horizon Motorhomes, Jayco, Lotus, Austrack Campers, Snowy River Caravans, Supreme, Fantasy Caravans, Avida, Skyline Campers, Caravan HQ, Crusader, Ezytrail, and many more. And of course, our Jade Caravan Finance experts will be there to talk and advise all things RV loans. ## Tips for RV Buyers Attending Caravan Shows Make your visit to the Sunshine Coast Caravan Show a productive and enjoyable experience by making a plan. Refer to the list of exhibitors to see where the brand you are interested in buying is located. Note the location on the site map for quick reference on the day. Consider contacting the manufacturer before the day to make an inspection appointment. Many representatives will be happy to book a time for keen buyers, and it may avoid you missing out if you arrive at the stand with others ahead of you. Signing up for dealer or manufacturer financing can be a tempting proposition. Avoid that by visiting us at the show or by using our [Finance Calculator](/loan-calculator "Finance Calculator") to quickly compare our [competitive rates](/interest-rates) with any other offers and to calculate repayment estimates. To be completely ready to place that order at the show, apply for pre-approved RV financing now. [Loans](/secured-caravan-finance) for all types of new RVs – campers, traditional, hybrid and off-road caravans, motorhomes and campervans, can be approved before the vehicle is purchased. Buyers have essentially nothing to lose with our same low interest rates and loan features applicable and a lot to gain. Get your vehicle ordered with the one inspection, capture any available show specials, and speed up delivery and the start of your caravanning lifestyle. Applications can be made online or by phone. Speak with one of our experts about how we can assist you with pre-approved financing ahead of the Sunshine Coast Caravan Expo. **See big brands and our own experts at the Sunshine Coast Caravan Expo or contact Jade Caravan Finance 1300 000 003 for pre-approved loans. *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.* **Categories:** Industry News --- ### [Missed the Brisbane Supershow? Catch-up with some of the latest model caravans and RVs exhibited](https://www.jadecaravanfinance.com.au/blog/industry-news/missed-the-brisbane-supershow-catch-up-with-some-of-the-latest-model-caravans-and-rvs-exhibited) **Published:** July 10, 2025 **Author:** Publisher **Excerpt:** Finance at affordable rates can be secured on the latest model caravans and RVs displayed at June’s Brisbane Caravan Supershow through Jade Caravan Finance. **Content:** Finance at affordable rates can be secured on the latest model caravans and RVs displayed at June’s Brisbane Caravan Supershow through Jade Caravan Finance. According to reports, around $125m in sales were made at the June event. With many buyers getting their orders in, it could be time for you to do the same. Missed the event and wondering what new RVs were exhibited? Looking to upgrade or get into caravanning ahead of the spring-summer holiday season? We provide a brief overview of some of the vehicles that were displayed with loan options and opportunities to get you on your caravan travel lifestyle journey. ## Latest Model Caravans & RVs Exhibited A new name on display at the Supershow was [Traveller Caravans](https://travellercaravans.com.au/ "Traveller Caravans"). This is a company that produces 100% Australian-made, semi off-road and on-road luxury caravans in its Melbourne facility. Features of the brand are the quality of their interiors and Alko suspension. Check out Traveller’s new 15’ Track Destination model with the 3D tour and videos on the website. The company offers single and dual axle options and different layouts and sizes from 13’ to 20’. Pricing quote on their website is $64,990 for the Destination Track Model and $57,990 for the Destination Cruise model. A good guide to use with our Finance Calculator when estimating finance. [Gold Class Caravans](https://www.goldclasscaravans.com.au/ "Gold Class Caravans") debuted with a number of models at the show which offered buyers a fixed-price option. This brand provides caravanners with luxury and everything included as standard. Models include the Adventure and Luxe Class Ranges with price from around $95k to $134k. BruderX, a specialist in expedition vehicles, displayed its unique take with 2-door models. EVs have been on the automotive market for years, and AdventurEV displayed what is considered the first for the RV market – an all-electric motorhome. These campervans and motorhomes provide the opportunity to travel sustainably and with lower fuel costs. A major consideration for caravan owners using large SUVs and 4x4s as their towing vehicles. [Worth a look!](https://adventurev.com.au/ "Worth a look!") Finance on EV motorhomes is the same as for petrol and diesel models. Patriot Campers also displayed it’s latest model – the Supertourer ST5. This camper trailer is available in two ‘editions’ – the ST5 and ST5 Finke Edition. Luxurious inside, lightweight, 5.2 metres long and with all the quality and ruggedness you expect from a Patriot. The price tag is around the $160k mark. Ensure you acquire the best rates on your finance through us to make your ST5 an affordable purchase. Cub Campers displayed its new C18 off-road, hybrid caravan. Australian-made, this model is available in a standard and platinum version with pricing starting around the $125k mark. Alert….till 31 July, Cub Campers is running a Winter Warmers Sale with great discounts on selected models! Also new at the Supershow, the Madigan from Hitch Campers. The flagship model from the company, this is a hybrid off-road with a full, hard-body lift design, unique for Hitch. ## Affordable Finance on Latest Model Caravans These latest models are exciting, and on the wish-lists of many buyers. But with some significant price tags, these models may require extremely affordable finance to make the purchase a viable choice. That’s where we can help. The cost of finance is primarily determined by the interest rate. Rates vary with the credit profile and financials of the buyer but also with the lender. Different banks and lenders offering varying rates on loans for RVs. Finding the lender with the current best rates can be a challenge. Using our services with our brokers covering our 80+ lender selection, we quickly find you your best [interest rate](/interest-rates) and secure your most affordable loan. Our [Secured Caravan Finance](/secured-caravan-finance) will be loan product best suited to buyers of new caravans. This loan attracts competitive rates, allows the RV to be used as the loan collateral, and flexible terms can be achieved. To get an indication of loan estimates and to compare loans for different models, use our Finance Calculator with the manufacturer’s RRP as a guide to your loan requirements. Or simply request a quote to start your purchase process. ## See Latest Model Caravans at Next Shows If you missed the caravan shows earlier this year, you haven’t missed out completely on seeing some of the new models up close. Queenslanders have two more shows in 2025 – the [Let’s Go Sunshine Coast Expo](https://www.caravanqld.com.au/show/lets-go-sunshine-coast-caravan-outdoor-expo/ "Let’s Go Sunshine Coast Expo") 22-24 August, and [Let’s Go Brisbane](https://www.caravanqld.com.au/show/lets-go-brisbane-caravan-outdoor-sale/ "Let’s Go Brisbane") in late October Also in late October, the Canberra Caravan and Camping Show is on and in late September, Victorians can schedule in the Melbourne Caravan and Camping Leisurefest at Sandown Racecourse. Rounding out 2025 is November’s Bendigo Caravan and Camping Leisurefest. **For caravan renovation loans for your conversion or restoration project, 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.* **Categories:** Industry News --- ### [Looking to do RV reno or conversion? Consider caravan renovation loans](https://www.jadecaravanfinance.com.au/blog/caravan-tips/looking-to-do-rv-reno-or-conversion-consider-caravan-renovation-loans) **Published:** June 23, 2025 **Author:** Publisher **Excerpt:** Caravan renovation loans are financing options to cover the cost of converting a new or used delivery vehicle to a campervan fitout and for renovating old RVs. **Content:** Caravan renovation loans are financing options to cover the cost of converting a new or used delivery vehicle to a campervan fitout and for renovating old RVs. While buying a RV ready to travel or holiday is the most popular way to enjoy the caravanning lifestyle, many people prefer to create their own RV with a conversion of renovation. The option may be preferred as a more economical purchase, for using their skills on a productive project, to recycle and reuse old models and to enjoy the retro styling of 1950s and 1960s caravans. While converting and renovating may be less expensive than buying a vehicle ready to travel, the costs of buying the vehicle and the materials and work involved can be significant. As specialists in RV financing, we provide affordable loan options for both the vehicle purchase and the works. ## What are caravan renovation loans? A loan for the purpose of renovating a caravan is financing to cover the costs, trades and materials for the work involved in refurbishing a RV or converting a van to a campervan. This type of credit is provided with an [Unsecured Personal Loan](/unsecured-personal-loans). Unsecured loans are versatile finance products as they can be approved to fund many purposes as the purpose of the loan does not need to be provided as the loan collateral. Many non-goods purchases can be financed with unsecured credit. Individuals with few or no assets to provide as loan security can be approved for unsecured loans. With the lender not having assets to secure the loan, the interest rates on unsecured loans are higher than for secured credit products. Unsecured loans can be arranged with either a fixed or a variable rate of interest. Variable rate loans can be subject to change if the lender changes their rate on that specific loan. Lenders typically alter interest rates when the [Reserve Bank](https://www.rba.gov.au "Reserve Bank") makes changes to the cash rate. If the interest rate on a variable rate loan is changed during the term, the monthly repayment would also change. A fixed interest rate does not change over the term. The term for unsecured loans, with both types of rates, is usually fixed. Loan limits on unsecured loans may be lower than for some secured loans. Lenders do have their own minimums and maximums on their unsecured personal credit products. The amount a borrower can include in their loan is determined when the lender establishes their borrowing capacity. This is the total amount that a lender will extend to that individual for an unsecured loan. Financials, income and credit profiles are reviewed to determine the limit approved for each borrower. Request a free quote to establish your borrowing capacity. ## Caravan Renovation Loans for Conversions Converting an existing van to a campervan is extremely popular and can present an affordable alternative to purchasing a completed model. Conversions include purchasing a van and then carrying out the work. Financing both parts of the project may require two loans – a secured loan for the van and an unsecured loan for the conversion work. Many campervans are built on Volkswagen Transporter, Mercedes and LDV vans and [Toyota HiAce](https://www.toyota.com.au/hiace "Toyota HiAce") bases. Secured loans are available for both new and used vans. While considered motor vehicle finance, we can assist you with that type of finance. The work required to turn the van into a campervan would be financed with an unsecured loan. Subject to lender approval of the amount required, the loan may cover all the materials as well as work completed by tradespeople and other specialist cabinet makers and fit-out experts. F ## Caravan Renovation Loans for Restorations If your project involves renovating or restoring an old, vintage or rundown RV, an Unsecured Personal Loan may be arranged to cover both the purchase of the vehicle and the works. Most vehicles selected for these types of projects would not be considered suitable collateral for a [Secured Caravan Loan](/secured-caravan-finance). An Unsecured Loan may be required for that purchase and the loan total may be combined with the cost of the work, supplies and materials, subject to lender approval. ## Working Out Your Finance Budget Unsecured Personal Loans may include many of the materials, supplies and engaging contractors for the fit-out. To get started on your project, finance estimates can be worked out using our [Finance Calculator](/loan-calculator). The calculator is easy to use and all the values entered can be changed to obtain estimates based on different amounts. If unsure of your conversion budget, estimate the total loan, use our current rate on Unsecured Personal Loans and the preferred term you would like to repay the loan. The monthly repayment will be displayed. Change the total loan to get another repayment estimate to compare. Work up as many options as you need to establish an affordable, workable budget for your project. To find out how much you would be approved to borrow, contact us for a quote or submit your application. **For caravan renovation loans for your conversion or restoration project, 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.* **Categories:** Caravan Tips --- ### [Ready for EOFY Caravan Sales?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/ready-for-eofy-caravan-sales) **Published:** June 9, 2025 **Author:** Publisher **Excerpt:** EOFY caravan sales can present attractive price reductions on many models, but buyers may need to be ready with finance to secure limited stock models. **Content:** EOFY caravan sales can present attractive price reductions on many models, but buyers may need to be ready with finance to secure limited stock models. Mid-year deals are currently being advertised by several big names including JB and Apollo, with great reductions on new, pre-owned and rental RVs. Saving on the purchase price by buying at sale time can be significant. But when the discounted vehicle is purchased with finance, that cost also needs to be accounted in the total outlay. Pay too much for your finance and at least part of the discount on the RV may be eroded. While RV loans don’t go ‘on sale’, but there are ways that buyers can maximise their opportunities to minimise their loan commitments. We’ve found some sale events to get you started on finding your preferred vehicle and we share our expert tips for how RV buyers can capture their most affordable finance deal. ## JB EOFY Caravan Sales [JB Caravans](https://www.jbcaravans.com.au/ "JB Caravans") is one of the big names in the industry and their mid-year sale is also big. One of the deals on offer is for the Marco Polo Horizon campervan. This model is well-equipped for campers with plenty of gear included. The price we’ve spied includes a $40k reduction to around $120K, plus the usual on-road costs. Another model being discounted is a pop-top with a roof bed but minus JB’s rear placed kitchen and some other inclusions. But the price could make this one a ‘must check-out’ with $50k cut from the pricing down to $99,990 plus the usual on-road costs. Demonstrator models can offer great value and are regularly discounted in sale events by dealers and manufacturers. JB has one from their off-road collection in the sale – a 17’ Gator for only just under $85K driveaway. That’s $20k below the usual retail price. The JB Group has a number of brands including the very popular New Age Caravans. The brand is offering a sale event with some of their dealers. Buyers may need to check-in with dealers in their area or online to see which models are on clearance as they will vary with availability with individual leaders. To whet your appetite to start looking – a Big Red 2024 model with a $18k price cut and a Road Owl 21’ with space for the family with a $6k price cut. While browsing vehicles on sale, use our [Caravan Finance Calculator](/loan-calculator) to estimate your loan. Many of the discounts are on floor stock and will be ready to go. Making it easier for buyers to get a good idea of the exact price, compared with buying a vehicle which is built to order. ## Apollo EOFY Caravan Sales [Apollo RV](https://www.apollorvsales.com.au/ "Apollo RV") is another big name in the caravan industry which is currently running a mid-year sale event. The sale includes selected vehicles covering new, refurbished and pre-owned specific caravans and RVs. Vehicles covered in the sale are drawn from many of Apollo’s brands including Adria, Coromal, Winnebago, Windsor and others. Up to $20k can be saved with some of these deals. As with many sale events, the discounts apply to specific vehicles not across entire ranges. Opportunities will be limited to only those vehicles. Meaning, limited quantities. Start looking and start thinking finance to ensure you are the buyer that captures the best deal on your preferred vehicle. ## Be Finance-Ready for EOFY Caravan Sales Limited vehicles, limited timeframe – sale time is no time to be unprepared to commit to a purchase. Be finance-ready by applying for your [Caravan Loan](/secured-caravan-finance) before you head to the dealer to inspect your choice of vehicles. Applying for a loan before the RV is chosen or a commitment made is a straightforward process. The same application requirements apply and the same interest rate is offered, regardless of if the application is processed pre or post-purchase. To apply for consumer credit, applicants will need to provide a range of details and documents to verify their financial position. These can include income payslips, bank statements, tax return, details of other debts including credit cards, and provide details to confirm residency and residential address. Lenders will be checking credit ratings as a key part of the application process. Buyers that have not definitely earmarked the vehicle they want to buy and subsequently do not have an exact loan figure, can estimate their requirements for the pre-approved loan. We process applications and seek conditional approval. The exact details, including the loan amount, are finalised post-purchase. ## Getting the Best Loan for EOFY Caravan Sales Purchases To maximise the value of a discounted RV purchase, buyers can prioritise getting the cheapest loan which starts with getting the [lowest interest rates](/interest-rates). Lender rate offers are very much dependent on the credit rating and the strength of the financials. Consider paying off other debts to improve your personal balance sheet. Another tip for potentially being offered a better rate and better loan is to pay a deposit rather than apply for no deposit financing. How much the loan relative to the value or price of the vehicle can impact the lender’s risk assessment and the rate offer. Utilise our broker services to ensure you secure your best rate from our large lender selection. Compared with dealer finance our rates can be highly competitive as we offer choice rather than just the one lender offered by manufacturer and dealer finance. **The EOFY caravan sales are underway. Contact Jade Caravan Finance 1300 000 003 to arrange your loan.** *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.* **Categories:** Caravan Buying Articles --- ### [What lenders are cutting their caravan loan interest rates after RBA decision?](https://www.jadecaravanfinance.com.au/blog/industry-news/what-lenders-are-cutting-their-caravan-loan-interest-rates-after-rba-decision) **Published:** May 28, 2025 **Author:** Publisher **Excerpt:** Caravan loan interest rates are set by lenders individually with many reducing their rates following the May decision by the Reserve Bank to cut the cash rate. **Content:** Caravan loan interest rates are set by lenders individually with many reducing their rates following the May decision by the Reserve Bank to cut the cash rate. Paving the way for buyers of new RVs requiring finance to achieve a lower rate, possibly upgrade to a better van, or to add accessories or extras to their vehicle purchase more affordably. Lenders are not compelled to change their lending rates following [RBA](https://www.rba.gov.au) decisions and the cash rate which is set by the RBA is not the rate which applies to consumer credit. The cash rate is now 3.85% and this is an overnight borrowing rate for lenders. Whether a lender follows the RBA with a full 0.25% reduction on their loans will depend on the lender and individual loan products. It is typical for banks to quite quickly, if not immediately, pass on a full rate cut to their mortgage customers. How a cut is applied to other loan products in their portfolio can vary. Changes may also vary with fixed and variable rate loans and the effect will be different for current loan holders and new loan applicant. To clarify the situation, we explain how the May RBA decision will affect RV finance and how those seeking loans for new caravans can achieve their best rate. ## Changes to Caravan Loan Interest Rates – Current Loans If you have a current loan for your RV, any impact of a decision by the RBA to cut cash rate on your loan will depend on the rate type – variable or fixed. If you used the RV as collateral for the finance and have a secured loan, it is likely that your rate is fixed. We arrange our [Secured Caravan Finance](/secured-caravan-finance) with fixed rates as they are lower than variable rates. Fixed rate finance is not subject to change when lenders change their rates or when the RBA changes the cash rate. Your rate and repayments will remain the same following the May RBA decision. If the RV was not used as collateral, such as can be the case with some older vans and with share vans, the rate may be fixed or variable. This type of Unsecured Personal Loan can be offered with either a fixed or a variable interest rate. If a fixed rate applies, there will be no change. If a variable rate applies, it is likely you will be advised by your lender of a rate reduction. The amount that an individual lender reduces their variable rates on unsecured personal loans will be an individual decision. The rate should be reduced which will then reduce the monthly amount of the repayments. Contact your lender if you have not yet received notification from them. ## Caravan Loan Interest Rates – New Loans For RV buyers planning to take on new finance, rates will tend to be lower across the market. Lenders will be seeking to remain competitive in the highly competitive consumer lending market and we should see rate cuts from the majority of our lender base. This should apply to both our variable and our fixed rate loans. Achieving the best rate on a new RV loan will depend on the vehicle, your individual credit profile and financials, and the lender. New RV finance typically attracts a lower rate than used RV finance. Applicants with good credit profiles and scores are offered the best rates. The amount of the loan relevant to the value or price of the RV will also affect the rate offer. Our brokers will take care of finding you the most suitable lender and the best rate to suit your profile and application specifics. But there are actions you can take which may deliver you a better rate. Consider your personal balance sheet – your assets and income compared with your debts and expenses before applying. If you can tip the scales in favour of assets and income by reducing debt through paying out other loans, you may be offered a better rate. Also look at the deposit you are planning to make on your vehicle. If you can increase that, your loan will be reduced, you may be seen by lenders as a lower risk loan and be offered a better rate and subsequently pay less interest and less for your vehicle. Use our Finance Calculator and our latest [best rates](/interest-rates) as a guide to see the difference in repayments with different loan amounts. ## Future Rate Cuts? What the RBA is Saying. In the May Monetary Policy Statement, RBA Governor Michelle Bullock said the Board would be considering the data with their future decisions. The next decision is due on July 8th. The May 0.25% followed inflation falling to within the Board’s target of 2-3% for the first time since 2021. The Board is focussing on ensuring that the rate of inflation is stable and sustained in this range. Though it does forecast a rise due to global uncertainties. Global uncertainties dominated the Board’s comments following the May decision, as the US tariffs cause issues around the world. How countries respond and these responses impact domestic and global economic growth will be closely watched by the Board and will be influential in future Monetary Policy decisions. The Minutes of the May RBA Board meeting will be published for public reading on June 3. This document generally includes the issues discussed and rationale around the decision made, and can provide insights into forecasts. **To achieve your best caravan loan interest rates, use the experts at 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.* **Categories:** Industry News --- ### [NSW Supershow - New Caravans Released](https://www.jadecaravanfinance.com.au/blog/caravan-articles/nsw-supershow-new-caravans-released) **Published:** May 19, 2025 **Author:** Publisher **Excerpt:** New caravans launched at the NSW Supershow included a motorhome by Avida, Achtung campervan and affordable off-road camper from Signature. **Content:** New caravans launched at the NSW Supershow included a motorhome by Avida, Achtung campervan and affordable off-road camper from Signature. The Supershow offers a great opportunity for buyers to see multiple brands and models in the one place, inspect up close and discuss the features with the representatives. Whether you attended the show but didn’t get around to see all the new caravans, or you didn’t get to attend, we showcase a number of the latest releases to inspire buyers and assist with final decisions. Coming into winter can be a great time to buy and/or order a new or used RV. With new releases in conjunction with the RV shows available and many second-hand models available as owners decide to sell now rather than pay winter storage. Winter can be a great time for caravan getaways with less people in some of the top spots, potentially less busy roads, and great weather to catch up around campfires at holiday parks. With the interest rates expected to be cut by the RBA, now may also be a great time to secure RV finance. ## Achtung New Campervan [Achtung](https://achtungcamper.com.au/ "Achtung") builds bespoke motorhomes and campervans and the new model showcased at the Rosehill is sure to attract attention. The 6m high-roof vehicle is based on a LDV Deliver 9 and includes an impressive list of fixtures and features. A lounge-dinette, drop down double bed, shower and toilet combo, internal kitchenette and lithium battery system, inverter and plenty more. The price on the model showcased is quoted at around the $140,000 which includes the vehicle itself. As these are bespoke vehicles, buyers can speak with the company about their specific travel and holiday plans and have their vehicle custom built to suit specifically. Use our [Finance Calculator](/loan-calculator) to work up repayments based on a range of purchase prices to establish your preferred budget. ## Signature New Caravans Signature showcased an 18’ off-road family caravan at the supershow – [the Omaru](https://signaturecampertrailers.com.au/camper/omaru-family-caravan/ "the Omaru"). This vehicle has off-grid power, large water storage and plenty of inclusions such as a Smart TV, air-con, washing machine, and diesel heating, to stay off-grid while travelling. The Omaru is hybrid, hardtop model with 6 berths and a price around $95,000 plus on-roads. A couples version is also available. If you missed seeing the Omaru at the Supershow, check it out online and speak with the company or your nearest dealer for more details. ## Avida New Caravans – Slide-out Motorhome Celebrating 60 years in the caravan manufacturing industry, [Avida RV](https://avidarv.com.au/ "Avida RV") rolled out another new model at the Supershow – the new Silverton. This is described as a slide-out motorhome and is based on a 7m Fiat Ducato vehicle. Afficionados may recall that earlier Silverton models were based on a Mercedes Sprinter. This latest 4-seater Silverton motorhome is more compact but includes plenty of reasons to put it on your must-inspect list. Inclusions such as a rear bathroom, slide-out queen bed, air con, solar, lithium battery, 120L fresh-water tank, 120L grey water tank, kitchenette, external storage for the BBQ, and fridge-freezer. This model features the company’s newly designed cabinets. Pricing on the 2-berth version is $195,990 and $201,900 for the 4-berth version. Handy figures to use on the loan calculator or when applying for pre-purchase financing. ## Affordably Finance New Caravans While some buyers will make their decisions on the day of a caravan show and place their orders, others will want to digest the information before committing. Regardless of when you decide to buy, if you did or didn’t get to the Supershow, finance can be obtained on new caravans through Jade. Our competitive [interest rates](/interest-rates) sourced from across our extensive lender selection, ensure the most affordable loan is secured. New RVs, whether motorhomes, traditional caravans, campervans or other variants, typically suit financing with our [Secured Caravan Loan](/secured-caravan-finance). This straight-forward format loan uses the RV as loan collateral, the rates and terms are both fixed, to provide a fixed monthly repayment schedule. Payments that won’t change over the term so you can travel and holiday with that peace of mind. Loan offers will vary depending on the individual credit profile and financials of the applicant. To apply for finance for new caravans, buyers will require a range of financial documents such as tax returns, pay slips, income verification, liabilities and other debts, and similar. Your Jade broker will be handling your loan and will advise exactly the requirements for your application. We handle RV loans for buyers across Australia with direct, easy, fast connection with our brokers either by phone or using our online forms. If one of the new caravans showcased at the Rosehill Supershow are of interest to you, request a quick quote to be one step closer to owning your new RV. **For affordable finance and competitive rates on loans for new caravans, contact Jade Caravan Finance 1300 000 003 online or by phone.** *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*. **Categories:** Caravan Buying Articles --- ### [Affordable Adventure with New Entry-level Jayco Toy Hauler](https://www.jadecaravanfinance.com.au/blog/buying-tips/affordable-adventure-with-new-entry-level-jayco-toy-hauler) **Published:** April 28, 2025 **Author:** Publisher **Excerpt:** The Crosstrail Jayco Toy Hauler is an affordable model for adventure seekers to take gear and bikes and with options for a rooftop tent, kitchen and solar power. **Content:** The Crosstrail Jayco Toy Hauler is an affordable model for adventure seekers to take gear and bikes and with options for a rooftop tent, kitchen and solar power. Stayed home for the holidays? Lugged mountain and trail bikes in an ageing trailer? Spent too much money on accommodation to go adventure seeking with your toys? If the way you spent the extended Easter-Anzac Day break has you rethinking how you get out to the great outdoors to enjoy your adventures, then perhaps this new Crosstrail is the answer. The Crosstrail offers an entry-level, affordable toy hauler camper for the adventure minded to load-up their machines, head to their favourite location, and stay in a level of comfort and convenience. Save on accommodation costs and the hassle of driving to your action location each day. If you’re also a tradie, the Crosstrail can double-up to transport work gear during the week. Consider the features, the entry-level pricing from $22,590 and the affordable financing available to get you towing your own Crosstrail asap. ## Crosstrail – New Jayco Toy Hauler The [Crosstrail](https://www.jayco.com.au/range/toy-haulers/jayco-crosstrail "Crosstrail") is an Australia-built and designed model from one of Australia’s favourite RV manufacturer. The Crosstrail has been purpose-built to transport adventure toys such as motorbikes, as well as tools, and a lot more. It has the capacity for three motorbikes or one quad. With a lightweight aluminium body and hot-dipped galvanised chassis and a stylish black and olive green colourway, this is a real adventure enthusiast’s unit. It’s versatile in its uses and with the options available. Buyers can start their purchase with the base trailer and then add the optional packs they want to suit their lifestyle, locations, and adventures. The Crosstrail can be a basic trailer or a fully spec’d-up toy hauler. It includes multiple tie-down points, a heavy-duty roof rack and convenient loading ramps. Options include the rooftop tent, a kitchen with slide-out design, fridge, and solar power. Option up and you have all you need for a weekend or longer away. Standard features include the heavy-duty, hinged, lift-up roof rack, wide off-road tyres, heavy-duty tread plate floor, storage box and holders for jerry cans. The ATM is approximately 1800kg. To stay off-grid, consider the Adventure Power Pack. This option comes with the charging and lighting to run your essentials. The pack includes a 200W solar panel, lithium battery, work lights, charger, battery management system and control screen. Another option is the Water Essentials Pack which does require the Power Pack also. It has an 80L water tank, water pump, mains water filler and mains tap. Make meals more easily by including the Kitchen Pack. An ‘all-in-one’ solution which does require the plumbing and power packs. The slide-out kitchen pack will provide you with two burners, a sink and gas bottle. Up the comfort factor by considering some of the other add-ons offered by Jayco for the Crosstrail. These include the rooftop tent, an awning, slide-out fridge and storage trays, fridge, stone guard and Maxtrax. [Jayco](https://www.jayco.com.au "Jayco") provides a 2 year manufacturer’s warranty and 5 year structural warranty on their products. While considering the optional packs, use our [Finance Calculator](/loan-calculator) to see how much extra they may cost with loan repayment estimates. Start estimating your loan using the base RRP pricing and then add the pack costs to the loan total and see how those extras increase the monthly loan commitment. ## Jayco Toy Hauler Finance Options As RVs, toy haulers can be financed with our selection of caravan loan products. Different credit facilities are suited to RVs used purely for private, recreational purposes and those used in a business enterprise. Different features and [interest rates](/interest-rates) apply to the different loan products. A [Secured Caravan Loan](/secured-caravan-finance) will most likely be the ideal credit product for Crosstrail buyers purchasing purely for their adventure activities. This versatile secured loan allows the toy hauler to be the collateral for the loan. Subject to individual lender approval, many buyers may not be required to provide extra loan collateral. With our secured loan, we negotiate with our lenders to include the full cost of the RV plus the costs of the extra packs required by our customer. Including 100% of the purchase price in a loan – no deposit finance, is subject to the lender’s assessment of the application and the credit limit applied. Buyers considering a Crosstrail as a business asset to transport gear to job sites, can select the commercial finance product that is best aligned to their accounting method, tax and balance sheet preferences. The choices are [Chattel Mortgage](/chattel-mortgage), Lease, and Commercial Hire Purchase. Both our consumer and business loans provide a fixed rate of interest, fixed terms and fixed payments. Rates are individually sourced and negotiated, so request a quote based on your specifics so you can proceed to order your Crosstrail. **For affordable adventure holidays in the new Jayco toy hauler, contact Jade Caravan Finance 1300 000 003 for your most affordable loan.** *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.* **Categories:** Buying Tips --- ### [Upping the luxury with new Mercedes-Benz Campervan](https://www.jadecaravanfinance.com.au/blog/industry-news/upping-the-luxury-with-new-mercedes-benz-campervan) **Published:** April 23, 2025 **Author:** Publisher **Excerpt:** The Marco Polo Mercedes-Benz campervan from JB ups the luxury level of touring and holidays but financing the vehicle doesn’t have to be at a premium rate. **Content:** The Marco Polo Mercedes-Benz campervan from JB ups the luxury level of touring and holidays but financing the vehicle doesn’t have to be at a premium rate. Premium service – yes. High level premium interest rates – no, when sourcing finance through Jade Caravan Finance. Our approach to financing all campervans is to secure the lowest, most competitive [interest rate loans](/interest-rates) available. Ensuring that travelling in a luxurious, stylish vehicle doesn’t have to mean sacrifices just to afford the loan payments. Travellers can get European style and Aussie caravan manufacturing excellence with JB Caravans Marco Polo model, with affordable financing through Jade Caravan Finance. The latest Marco Polo model from JB was showcased at a February caravan show and JB will be exhibiting at the [Rosehill Caravan Supershow](https://www.supershow.com.au/ "Rosehill Caravan Supershow"). This stylish campervan might be based on a European vehicle brand, but Marco Polo is built for Australian conditions from a company known for quality and innovation. In the black colourway, the Marco Polo is even more stylish and does resemble a limo style preferred by VIPs and celebs! Explore the features and consider your finance options, to decide if vehicle suits your travel and holiday style. ## Mercedes-Benz Campervan – Marco Polo [The Marco Polo](https://www.jbcaravans.com.au/model/jb-marco-polo/ "The Marco Polo") by JB Caravans is a functional and very spacious campervan which is based on a Mercedes van. The vehicle has that European style on the exterior, and inside, is compact, but packed with features and a high quality finish. The furniture is lightweight and moveable. An elevated double bed provides the sleeping arrangements. Included are interior curtains, leather upholstery, swivel seats upfront and a folding table which can provide a dining or lounge space. A 4kWh Ecoflow station provides the power with an 800W alternator charge. Keep food chilled in the 50L fridge freezer, access plenty of water with the 55L tank, and whip up meals with the induction cooker, coffee machine and kettle from leading brands. Courtesy of Mercedes comes powered rear tailgate and electric side doors, and a very stylish exterior. JB provide buyers with floor plan options to order their vehicle to suit their requirements. ## Finance Options for Mercedes-Benz Campervan Most buyers considering purchasing a new Marco Polo vehicle will consider a [Secured Caravan Loan](/secured-caravan-finance) as the most suitable credit product. Secured credit is a very straightforward loan product. The lender provides the finance, and the borrower repays the loan in equal monthly payments over a fixed period. A secured format loan is highly suited to financing new goods as the lender considers the goods as acceptable collateral for the loan. This means that most buyers will not have to own other assets to offer as loan security. Some buyers may be requested to provide additional collateral – subject to lender decisions and individual application assessments. Lenders register their security interest in the vehicle with the [PPSR](https://www.ppsr.gov.au "PPSR"). With the vehicle as loan collateral, lenders are better placed to offer their most competitive interest rates on secured loans compared with unsecured loans. We source customers the most competitive rate that suits their individual credit profile from across our large lender base. The interest rate is fixed on our secured loans and will not change during the repayment term. The repayment term is also negotiated by our brokers to best meet individual requirements. Terms are fixed as are the monthly repayments. No change to rate, term or repayment. Head off on your travels without concerns that your loan payments may change with lender or RBA decisions. The amount that a loan applicant can borrow is dependent on lender decisions. Buyers may apply for no deposit financing, which is borrowing the full purchase price of the Marco Polo. Current pricing appears to be around $156,000 plus on-road costs on this model. Lenders will assess the application and the credit score of the applicant to determine their borrowing capacity – the amount that lender will approve in that loan. Where no deposit financing is not approved, buyers will have to make a downpayment to the dealer to reduce the loan amount required. Where no deposit financing is approved, we work with our lenders to include any extras and accessories on the vehicle in the loan, if preferred by our customers. Lenders do require that goods under finance be covered with comprehensive insurance. To find out if a loan for a new Marco Polo is within your budget, use our [Finance Calculator](/loan-calculator). Enter the pricing of $156,000 plus allow extra for the on-road costs, to get started. Use our current rate as a guide. Reduce the loan amount to allow for your deposit and see how those changes display a lower monthly repayment estimate. When the numbers are in your affordability zone, apply for your campervan loan using our online facilities or by phone. We’ll assign one of our brokers to handle your loan. **Contacting Jade Caravan Finance 1300 000 003 for affordable financing on a luxury new Mercedes-Benz campervan from JB Caravans.** *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.* **Categories:** Industry News --- ### [‘Must-see’ NSW Caravan Supershow Exhibitors – Full Listing Now Available!](https://www.jadecaravanfinance.com.au/blog/industry-news/must-see-nsw-caravan-supershow-exhibitors-full-listing-now-available) **Published:** March 31, 2025 **Author:** Publisher **Excerpt:** Visitors to the NSW Caravan Supershow starting 29 April can review the exhibitor list for possible buys and pre-arrange their loan now with Jade Caravan Finance. **Content:** Visitors to the NSW Caravan Supershow starting 29 April can review the exhibitor list for possible buys and pre-arrange their loan now with Jade Caravan Finance. The full listing of exhibitors is now available on the show website along with details of activities, ticketing and how to get to the show. With gates opening at 9.30am on Tuesday 29 April, now is the time to get serious about the ‘must-see’ vehicles and about securing pre-show financing. This is the biggest caravan and camping show on the industry calendar each year and an impressive line-up of over 250 exhibitors – manufacturers and dealers, will be displaying vehicles and products. The show runs for 6 days at Rosehill Gardens Racecourse in Sydney, 9.30am to 5pm Tuesday to Saturday and 9.30am to 4pm on the final day, the Sunday. The recent Melbourne Caravan Show provides some insights into some of the new models that visitors are highly likely to see at the Sydney show. We’ve sourced some of the details you need to start planning your show visit. ## NSW Caravan Supershow Exhibitors The list of RV brands exhibiting at the Sydney show is impressive and extensive. Names include Harvok RVs, Network, Titan, Supreme, JB, Lotus, Snowy River, Crusader, Jayco, Masterpiece, Eclipse RV, Bushtracker, Exytrail, Bluetongue, Avan, Cub, Adria, Austrack Campers, Red Centre and Willow, amongst many others. To ensure you get to see the exhibitors you are interested in, use the [online site map](https://www.supershow.com.au/maps/ "online site map") to plan your visit. Information on the specific models that will be displayed is not available. But as mentioned above, some of the highlights from the recent Melbourne show at Sandown, may be used as a guide to what will be displayed in Sydney. Willow RV released a new motorhome which is based on an Iveco Daily. [The Kauri](https://willowrv.com.au/caravans/kauri-2501/ "The Kauri") model has a length of 7.785 metres, height of 3.23 metres and offers three layouts for buyers to select from. For new caravanners looking to get into the RV lifestyle, the new entry-level model from Prime Edge Caravans would be worth considering. The Weekender Special Edition offers buyers 16 variants in lengths from 16’ to 22’, tandem and single axle options, and layouts to suit both families and couples. All for under the $100,000 price point. Another entry-level option, the Galaxy, was unveiled in in Melbourne by On the Move Caravans. This is a compact model, designed for couples and which addresses one of the big downsides of caravanning – claustrophobia. The caravan features a huge, opening, hatch-style window, which provides loads of fresh air flow and gives the vehicle a look similar to a food truck. There’s just some of what you may see at the Sydney show. Check out the exhibitor listing online, earmark your personal ‘must-see’ brands and consider contacting them ahead of the event to discuss pricing. Knowing if the models you’re interested in are in your budget range can help to narrow down your list and provide you with a figure when applying for your pre-approved RV loan. ## Sydney Caravan and Camping Show Details The show runs from Tuesday 29 April through to Sunday 4 May, and ticket are available for sale before the event at the show website. Tickets can be bought at the gate with ‘tap and go’ payment for Mastercard, VISA and debit cards only. One day adult passes are $25 and two day passes are $40. Children under 16 years of age with a paying adult are free and dogs are permitted. Free car parking is available on site – follow the signs on arrival and refer to the website ahead of time for directions. If travelling by public transport, consider riding on the recently opened Parramatta Light Rail. If travelling by train, change at Parramatta Railway Station to the light rail or catch the free show shuttle bus. The shuttle service operates from the station and from the nearby ferry wharf, with services approximately every 30 minutes. From the station use the Station St exit to find the bus stop on Smith St, in front of the Sydney Water building. By bus, take the new Route 535 from the Parramatta Interchange. ## **Pre and Post Show RV Financing Options** Buyers intending to order their new RV at the show have the option of securing their finance either before or after purchasing at the event. We provide a pre-approved loan service where we arrange conditional approval based on the estimated loan amount for our [Secured Caravan Loan](/secured-caravan-finance). Rates are fixed and individually sourced for the most competitive available. Pre-approved loans are amended after the purchase is made with the specific loan amount required. This may include those extras and accessories you want on your vehicle. If a purchase is not made, the loan offer simply expires. For post-show purchasers, connect with us online or by phone for prompt individual service from our brokers and to have your loan sourced and tailored to suit your needs. If comparing makes and models at the show, use our [Finance Calculator](/loan-calculator) to get quick loan estimates on the spot. **NSW Caravan Supershow buyers can discuss their finance options and obtain quick quotes by contacting 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.* **Categories:** Industry News --- ### [Plan to order at Rosehill Caravan Supershow? Plan finance now!](https://www.jadecaravanfinance.com.au/blog/industry-news/plan-to-order-at-rosehill-caravan-supershow-plan-finance-now) **Published:** March 3, 2025 **Author:** Publisher **Excerpt:** NSW Rosehill Caravan Supershow starts on 29 April for 6 days and buyers keen to order at the event can secure pre-arranged RV loans through Jade Caravan Finance. **Content:** NSW Rosehill Caravan Supershow starts on 29 April for 6 days and buyers keen to order at the event can secure pre-arranged RV loans through Jade Caravan Finance. Not a lot of details on the exhibitors and ticket sales is available at this stage on the event website. But that shouldn’t prevent visitors, and especially keen buyers, from planning their visit and preparing the finance. Top of the range recreational vehicles with all the latest, luxury inclusions can make for luxurious travelling but be a considered purchased. Luxury models from brands such as [Wonderland RV](https://wonderlandrv.com.au/ "Wonderland RV"), and [Supreme](https://www.supremecaravans.com.au/ "Supreme") for example, and even entry-level campers, when purchased with a loan, may require working repayments into the budget. Early finance preparation, including getting RV loan approval, may ease buyer stress and provide other benefits. Is it ever too soon to start planning RV financing? Not really. A lot of preparation in deciding the right loan, right lender and even getting a loan application approved can be done in advance of a purchase. We provide buyers with a simple guide to planning their RV loan prior to purchase to be ready for the upcoming show in Sydney. ## Deciding the Right Loan for Your RV The Rosehill event is the largest RV, camping and holiday show on the annual calendar of events each with hundreds of exhibitors showcasing hundreds of RVs. Buyers have the opportunity to consider a wide selection of vehicles from budget, entry-level models right up to the most innovative variants that truly are homes on wheels. Regardless of the size and type of RV, as show buyers will be buying new RVs, a [Secured Caravan Loan](/secured-caravan-finance) would suit most private purchasers. This type of credit allows the RV to be used as the loan collateral, with many borrowers not required to offer additional security. This loan product can be used for all types of new recreational vehicles including traditional caravans, hybrids, camper trailers, campervans, motorhomes, toy haulers, off-road vehicles and other variants. Where a business is purchasing a new RV for use in the business, commercial financing is available with Chattel Mortgage, Commercial Hire Purchase and Leasing. Business owners should discuss which is the most suitable option for their commercial entity. By contacting us, we can check your eligibility and the eligibility of the RV being considered, for your credit product preference. ## Advantages of Pre-Approved Loans for Rosehill Caravan Supershow There can be many advantages to having finance secured prior to a purchase, especially when planning to place an order at an expo. On the initial enquiry we can assess your eligibility to provide certainty and assess your borrowing capacity. This allows buyers to know their credit limit before deciding on a vehicle. This can be a very important advantage as it can allow buyers to limit their search to only vehicles with prices in the scope of their credit limit. When attending a show as big as the Supershow, that can be a distinct advantage. With so many vehicles on display, narrowing the inspections down to those within the budget may seriously reduce the time required to inspect models and make a decision. It may also assist in minimising the confusion which may develop when too many vehicles are inspected in the same place, at the same time. Being ready to order with finance locked-in can also expedite delivery. Many caravans and RVs are either built or finished to order. In some cases, it can be weeks from order to delivery. The sooner a buyer can confirm their order, the sooner they may take delivery and head off on their travels. Exhibitors traditionally offer special deals for buyers that purchase at shows. With finance confirmed, buyers can snap up these offers and save on the purchase price and potentially on their loan payments. Knowing they have secured finance through Jade, with the best available interest rates, buyers may avoid making snap decisions at shows to go with dealer finance. Finance which may not have been individually sourced and may not include the best possible current rates. Prior to the show and to applying for financing, buyers can use our [Finance Calculator](/loan-calculator) to start the process of comparing prices on the many different makes and models available. ## How to Get a Pre-Approved Caravan Loan Obtaining a pre-approved loan for a RV is quick and easy. The same application process applies as for post-purchase loans. Contact us with your details and an indication of the RV you intend to purchase. You will need to provide an estimate of the amount you need for your loan. We will detail the documents required and any other information. We then proceed to the quoting stage and processing the application to the stage of conditional approval. That means your loan is approved for a certain amount, with the offer made from the specific lender we have sourced as best suited to your requirements and profile. This offer is valid for a timing as noted when applying. Buyers can proceed to order their vehicle and provide us with the specific purchase details so we can finalise the loan to the exact amount and other details. ## Rosehill Caravan Supershow Details The 2025 NSW [Caravan, Camping and Holiday Supershow](https://www.supershow.com.au/ "Caravan, Camping and Holiday Supershow") is must-attend event for anyone interested in the outdoor lifestyle. The event is held at Rosehill Gardens Racecourse from Tuesday April 29 through to Sunday May 4. Gates open daily at 9.30am. Visitors should check in with the event website for ticketing, parking and travel details, when available. **To discuss pre-approved finance ahead of the Rosehill Caravan Supershow, 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.* **Categories:** Industry News --- ### [Visit Australia’s Best Beach in a new RV or Caravan!](https://www.jadecaravanfinance.com.au/blog/caravan-tips/visit-australias-best-beach-in-a-new-rv-or-caravan) **Published:** February 21, 2025 **Author:** Publisher **Excerpt:** Australia’s Best Beach 2025 named by Tourism Australia as Bay of Fires Tasmania, is an ideal place to visit in a caravan, camper trailer or motorhome. **Content:** Australia’s Best Beach 2025 named by Tourism Australia as Bay of Fires Tasmania, is an ideal place to visit in a caravan, camper trailer or motorhome. Tour Tasmania and stay in nearby caravan parks or in the free camp site behind the beach. Take in the beauty and grandeur and explore the natural attractions the area is famous for. Deciding which are the best beaches in Australia is an initiative of Tourism Australia (TA). The list is curated by Brad Farmer AM, TA’s beach ambassador, who refines the nearly 12,000 down to a top 10 across the mainland and the islands. In announcing this year’s list, the Minister for Trade and Tourism Don Farrell said it was a difficult job to choose just 10 but that Mr Farmer does an exceptional and thorough job. The announcement of this year’s top Australian beaches is sure to be motivation and inspiration for newcomers to get into the caravanning lifestyle and existing owners to upgrade to a vehicle suited for long trips away. The top 10 beaches include places in several Australian states, providing travel ideas for caravan owners across the country. Read on to find out more about the top ten beaches and how we may assist you to purchase or upgrade your RV to visit them with affordable caravan financing. ## Australia’s Best Beach 2025- Top 10 Number 1 on the 2025 list is [Bay of Fires](https://tasmania.com/points-of-interest/bay-of-fires/), in the area known as Iarapuna on the north-east coast of Tasmania. Named by an English navigator in 1773 after seeing fires lit by the local Aboriginal people along the coast. The area features clear seas, clean white beaches and orange lichen splashed granite rocks. Caravanners from the mainland can take the Spirit of Tasmania across the Bass Strait and travel to the area from Launceston. A free camp site is located near the beach and nearby caravan parks include a Big 4, national parks entry fees apply. Second on the top 10 is [Woolgoolga](https://www.visitnsw.com/destinations/north-coast/coffs-harbour-area/woolgoolga "Woolgoolga") on the NSW Coffs Coast. Just 365klm south of Brisbane and 550klm north of Sydney, this is a great area to visit in a caravan. Plenty of local attractions including The Big Banana, great local caravan parks and the coastal city of Coffs Harbour is just 24klm away. Number three is Emily Bay Lagoon on Norfolk Island. Not practical to take your own caravan to visit, but great for a getaway by plane. Next comes North Kirra in Queensland followed by the little known Little Lagoon in Western Australia. This is a stretch of watch near Shark Bay near the town of Denham on the north-west coast, with plenty of local attractions with Shark Bay, Eagle Bluff and Monkey Mia. Great selection of camp sites and caravan parks. Tip – stonefish are known to lurk in this lagoon so wear wading shoes! Next best beach is Fishery Bay in South Australia which is a 20 minute drive south of Port Lincoln. Confident 4WD drivers apparently can drive onto the beach. From SA the list heads north again to 1770 in Queensland in the Gladstone area in FNQ. Number 10 on the list is Scarborough Beach in Western Australia. A suburb in north Perth with a beach known for its surf break and a lively foreshore for dining and entertainment. Just a 20 minute drive from Perth’s CBD, caravanners can select from the many holiday parks in the area to set up for a great visit. Inspired to visit one or all of our best beaches? Then time to plan purchasing a suitable RV to make the journey. ## Buying a Caravan, Camper or Motorhome If purchasing your first RV, there are a number of factors to consider when deciding exactly what type of vehicle. Factors such as the number of people to be accommodated, facilities and inclusions to cater for the length of the trip, whether staying in parks with powered sites or at free camping grounds, the terrain to be covered, towing skills, and level of luxury preferred while travelling. There are many different types of RVs including traditional caravans, off-road and hybrid models, camper trailers, motorhomes and toy haulers, available in a wide range of lengths and floorplans. Australia has a strong caravan industry with many great brands including Jayco, Supreme and many others. Prices vary with size, inclusions and levels of luxury. If requiring financing, buyers can compare repayment estimates based on the different prices using our [Finance Calculator](/loan-calculator). New vehicles may be built or finished to individual specifications. So there can be a delay between ordering and taking delivery. Some dealers do have vehicles ready to go and used vehicles can be found in the dealer and private markets. ## Securing RV Finance A [Secured Caravan Loan](/secured-caravan-finance) is the most popular finance product for new RVs and second-hand models which the lender accepts as suitable loan collateral. We source these loans with the best fixed interest rates from our 80+ lender base, over fixed terms, to provide a fixed monthly repayment schedule. Fixed elements which can provide confidence and assurance for travellers that their payments will not change over the term, and while they’re on the road. When ordering a new caravan, buyers are typically offered the opportunity to customise their vehicle to suit their taste and travel style. This may involve including extras and accessories. Remember to include these extra costs in the loan amount when calculating estimates to compare and when applying for finance prior to purchase. Our personal service from our brokers makes the process of securing affordable RV finance a streamlined and straightforward experience. We support buyers at every stage with individual attention and fast approval to get you in your new van and travelling to your favourite beach or other destination as quickly as possible. **To visit Australia’s best beach in a new RV, contact Jade Caravan Finance for competitive interest rate caravan loans.** *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.* **Categories:** Caravan Tips --- ### [Consider New 50th Anniversary Jayco Model, New JB Motorhome](https://www.jadecaravanfinance.com.au/blog/industry-news/consider-new-50th-anniversary-jayco-model-new-jb-motorhome) **Published:** February 7, 2025 **Author:** Publisher **Excerpt:** New RVs from Jayco and other brands may be financed with secured credit products which use the vehicle as loan collateral, attracting better interest rates. **Content:** When Australia’s most popular RV brand, Jayco, releases a new model, caravanners are keen to take note and keen to inspect. News of the 2025 line-up of the brands’ Silverline range leaked prior to its unveiling at February’s Queensland Caravan Show. We’ve noted what is known so far on this 50th Anniversary model to share with buyers interested in being one of the first to travel in this popular tourer. Also on our radar is the latest slide-out model motorhome from JB Caravans. Loaded with features and extra space to make spending longer times away far more enjoyable. We share the news and how buyers may secure their new model RV with competitive rate, affordable finance. ## New Jayco Silverline Caravan The new Silverline includes enhancements with style and technology on the Outback and Touring models in this very popular range. Changes will be noted on the interior and the exterior and are described as a reflection of the comfort experienced in a contemporary residence. The exterior enhancements include fibreglass moulding on the rear, new taillights, decals and greater practicality. The improved practicality achieved by positioning gas fittings on the side under the chassis, adding more exterior lights, and adding dual annexe lighting on the door side for some models. On the inside, buyers will quickly not the style enhancements with fibreglass ceiling and walls, new cabinetry and handles and soft closing drawers. Increased bench space in the kitchen will be welcomed, along with style upgrades to the ensuite. Especially for those planning long trips on the road, caravan storage is an ongoing pain point. The new Silverline models have extra storage inside and a new storage unit below the oven. Many features are now standard including now three solar panels, 7” control panel and a new power system. If you’re heading to the Queensland Show over the 7-9 February, make sure to inspect the new Silverline. If not, stay across [Jayco’s website](https://www.jayco.com.au/) for pricing and other details. ## New Motorhome from JB Also new to the 2025 line-up of RVs is a new [Tourer motorhome](https://www.jbcaravans.com.au/model/motorhome/) model from JB. The new model is a slide-out, has additional storage capacity and may be of great interest to travellers planning longer trips. The interior space is describe as having greater versatility as a result of the slide-out and features significantly better storage. The layout of the Slide-Out with Queen Bed has similarities with the standard option but the slide-out provides additional space for wardrobes and drawers. There is also a larger screen built-in. This new model also has additional exterior storage. This new Tourer is 7.3m long, making it shorter than other JB models which may make for easier parking. All this style and luxury is mounted on an IVECO Daily 50 and the vehicle can be operated with a standard car driving licence. Pricing sourced is around the $240,000 starting point, which may be a considered purchase for many buyers. But with motorhomes offering the convenience of not requiring a separate tow vehicle such as with traditional caravans, the pricing may offer great value. ## JB and Jayco Finance – New Models New RVs from Jayco and other brands may be financed with secured credit products which use the vehicle as loan collateral, attracting better interest rates. With the finance secured, many lenders can be more accommodating when it comes to approving higher loan limits. This may be especially good news to buyers requiring finance on these new high-end models. In approving the loan limit and as such determining the deposit required by the buyer, the loan to value ratio and buyer’s credit profile are considered by lenders. [Secured RV Finance](/secured-caravan-finance) products attract better rates than unsecured credit, but rates do vary on personal loans across the consumer credit market. We simplify the process for buyers looking for their best rates, by handling the searching and securing. Unlike loans offered by some lenders, our [interest rates](/interest-rates) on secured RV loans are fixed. Some lenders offer personal loans with variable rates. Variable rates are subject to change if that lender changes their personal loan rates. While rates are tipped to be cut by the RBA this year, that may not be the situation over the full term of the loan. A fixed rate loan provides the assurance and certainty that many buyers prefer when taking on credit. Our terms are also fixed and negotiated to best deliver on customer expectations of workable fixed monthly payments. When preparing a budget to buy a new caravan with finance, don’t forget to factor in that insurance will be required by lenders. RV finance is consumer credit and as Licensed Credit Providers under ASIC, we are required to request a range of documents and details as part of the application process. But with full support and assistance from our brokers, we simplify the procedure and handle all aspects of lender contact to secure the best loan offer. **For your best finance offer to purchase a new model from Jayco or JB, contact Jade Caravan Finance.** *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.* **Categories:** Industry News --- ### [Fast Finance Approval for Newcastle Caravan Show Buyers](https://www.jadecaravanfinance.com.au/blog/industry-news/fast-caravan-finance-newcastle) **Published:** January 20, 2025 **Author:** Publisher **Excerpt:** Whether ordering at the Newcastle Caravan Show or buying post-event, buyers can get fast RV finance approval at competitive rates through Jade Caravan Finance. **Content:** Whether ordering at the Newcastle Caravan Show or buying post-event, buyers can get fast RV finance approval at competitive rates through Jade Caravan Finance. This extremely popular event is the first major industry showcase of the year and a great opportunity for buyers to see 150 exhibitors in the one place. The show kicks off on Friday 31 January at the Newcastle Showground and Entertainment Centre and runs over three massive days until Sunday 2 February. For buyers planning to order at the expo, there can still be time to get your finance approved beforehand. Our experts are available to process applications for fast 24-hour approval. Want time to consider what you see before committing? There is no obligation with pre-approved finance. But the same competitive rates will apply whether you order at the expo or follow-up with the dealer and purchase post-event. Time to review what’s on at the expo and short-list the vehicles you are keen to inspect. Consider contacting the manufacturer or dealer prior to see if an inspection appointment can be arranged so you don’t miss out. ## [Newcastle Caravan Show](https://www.caravanexpo.com/) Details This first expo for 2025 presents an exceptional showcase of the latest across the RV industry – camper trailers, caravans, motorhomes, campervans, accessories, as well as holiday parks. The displays will cover both outdoor and indoor areas. Tickets can be purchased in advance at the event website which is advisable. Tap and go facilities will be available at the entry gate for eftpos debit cards, Mastercard and VISA. No cash sales or Amex available. Adult tickets are $16 per day, concessions $12, and children 16 years and under accompanied by a paying adult are free. And there is plenty scheduled for the kids. Activities include the trampoline, jumping castle and the show’s famous reptile show. Performances are scheduled each hour and information on snake bite first aid is also covered. More than 150 exhibitors are scheduled to showcase their products. Manufacturers include the biggest and most popular names in the Australian RV industry including Jayco, New Age, Supreme, Snowy River, Masterpiece, Adria, Millard, Austrack Campers, [Crusader Caravans](https://crusadercaravans.com.au/), Ezytrail, amongst many more. For pre-expo information on what models each brand will be displaying, consider contacting them ahead of time. For buyers considering placing an order at the expo, note that all the exhibitors at the expo are licensed NSW Motor Dealers. This is important, as it is an assurance that Government-licensed dealer guarantees and warranties apply. ## Fast Pre-Approved Finance for Newcastle Caravan Show Buyers Keen to order at the event? Capture any expo special discounts? It may not be too late to get your pre-approved finance. Many applications can be approved within 24 hours and applications can be made online or by phone with one of our brokers. Our [Secured Caravan Finance](/secured-caravan-finance) will be the most suitable credit product for all types of new RVs. The RV is accepted as suitable collateral for loan and the most competitive interest rates apply. Our rates are fixed with fixed terms negotiated to deliver a workable fixed repayment schedule. When deciding on the finance required for the purchase, remember to consider any options and accessories you may want with your vehicle. Manufacturers generally offer buyers a range of choices with interior finishes and extras such as awnings, additional water tanks, greater solar power, off-grid packs and other options. Include the cost of these items in your loan amount to have them covered in the finance. How much you will be approved to borrow and, hence what deposit is required, will be determined by your credit limit as assessed by our lenders. No deposit finance can be approved for applicants with strong financials. ## What You Need to Apply for RV Finance Whether applying for RV finance before or after the expo, the same requirements apply for the application. We are required to request details and documents on income, employment, expenses, assets and debts, residential status and other financial information. Having documents such as payslips, tax returns, bank statements and Australian ID ready, can expedite processing your application. ## Newcastle Caravan Show Buyer Essentials An essential, must-have for all RV expo visitors is our [RV Finance Calculator](/loan-calculator). This handy online buying tool can be used while at the expo to calculate quick loan repayment estimates based on prices quoted by the exhibitors. Use it on your phone as you inspect RVs and use our current advertised rates for estimating purposes. This is an essential tool as it provides prospective buyers with access to important information which may influence their buying decisions and may prevent signing up for more costly finance. As brokers, we source customers [the most competitive rates](/interest-rates) from the most suitable lender from across our large lender base. Rates and offers which may be more affordable than any offer you may be offered with dealer finance. Quick quotes are available by connecting with us online or by phone. Be fully prepared for your expo visit, apply for fast finance approval today. **For finance approval to buy at the Newcastle Caravan Show contact Jade Caravan Finance to arrange your finance.** *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.* **Categories:** Industry News --- ### [Diarise, Prep and Plan Now for 2025 Caravan Shows](https://www.jadecaravanfinance.com.au/blog/industry-news/2025-caravan-show-planning) **Published:** January 6, 2025 **Author:** Publisher **Excerpt:** RV buyers intending to buy at 2025 caravan shows can plan and secure pre-approved loans at competitive rates through Jade Caravan Finance ahead of the event. **Content:** Expos can be great opportunities to buy a new RV and keen buyers don’t have to wait long as the 2025 caravan shows calendar gets underway in January. There is once again a massive schedule of events across all states and territories throughout the year. The time is right to diarise the dates of events you want to attend, prepare your visit and most importantly, plan your RV finance. Buying a new RV can require a lot of planning and for some buyers, may entail months of considering the make and model options to suit their caravanning plans. Where that purchase requires financing, spending time to also consider the most affordable loans available and finding out your specific borrowing limit can be a smart move. To get your planning underway we’ve put together the details of events in the coming months plus provided our expert guidance on how to secure your RV loan to be ready to buy. ## 2025 Caravan Shows First Half-Year Calendar The calendar of annual RV and lifestyle expos and events is massive. We’ve focussed on dates over the first few months of the year. Dates are as currently available and those interested are advised to check the event website for confirmations. The calendar kicks off in Victoria with the Yarra Glen Outdoor Living and Caravan Expo over 17-19 January. This is closely followed by the Newcastle Expo starting on 31 January and running through to 2 February at the Newcastle Entertainment Centre and Showground. Next up is Queensland with the Gold Coast Expo from 7-9 February. The first major show of the year gets underway from 19-23 February with the [Victorian Caravan and Camping Supershow](https://www.caravanshow.com.au/shows/the-victorian-supershow/) at the Melbourne Showgrounds. Tickets are now sale at the event website. South Australians can diarise 26 February to 2 March for the Let’s Go Caravan and Camping Lifestyle Show at the Adelaide Showground. While WA caravanning enthusiasts can head to Claremont Showground from 20-23 March for the RAC Perth Caravan and Camping Show. The biggest show of the year has to be the [NSW Caravan, Camping and Holiday Supershow](https://www.supershow.com.au/). Gates will open for this year’s event at Rosehill Gardens on 29 April with the action continuing through to 4 May. Described by organisers as a destination, this will be a must-attend for keen buyers and RV owners looking to find out all about the latest accessories for the vehicles. The calendar continues in June with the Queensland Supershow, 4-8 June and into July with the Illawarra Caravan Camping Lifestyle Expo at Kembla Grange Racecourse on 11-13 July. Just a taste of what to look forward to on the calendar with many more expos scheduled. We’ll be keeping an eye on what’s coming up, so check back on our blog regularly for updates. ## Preparing Finance for Buy at 2025 Caravan Shows At the same time as planning a visit to an upcoming expo, buyers can also plan, and in many cases secure, their RV loan. Having the loan locked in ahead of the date, can allow buyers to place their orders at the event to speed-up the manufacture and delivery process and potentially allow them to take advantage of expo specials. RV buyers intending to buy at 2025 caravan shows can plan and secure pre-approved loans at competitive rates through Jade Caravan Finance ahead of the event. Pre-approved loans can be applied for and conditionally approved prior to purchase. The approval is valid for a relatively short timeframe, but potential buyers can start the process whenever suits them. Our brokers source the most competitive current interest rates on a [Secured Caravan Loan](/secured-caravan-finance) from the most suitable lender and process the application through to the conditional approval stage. This means the loan is approved for a set limit with repayments quoted based on that limit at current rates. Buyers can then set their sights on models within their borrowing limit and have the confidence to order to that limit. If the loan offer is not used, the offer expires without obligation. If buyers would like an indication of their loan potential a lot further ahead of ordering at an expo, we can assist by confirming their credit limit based on their current financial position. This can enable buyers to consider models within their borrowing power and plan the deposit required if the model they want exceeds their approved loan limit. Speak with us about finding out your borrowing power to simplify your purchase. Interest rates can change over time and individual financial positions can also change. Any offers or estimates obtained on a conditional basis are subject to change and confirmation when the RV to be financed is selected. The same loan products apply to all types of new RVs – traditional caravans, camper trailers, campervans, hybrids, off-road models and others. For expo visitors that do not opt to have their financing pre-arranged, our [Caravan Finance Calculator](/loan-calculator) can be a handy tool to use at a show. The device allows for loan repayment estimates to be calculated based on the purchase price or loan required. Great for comparing RVs at different prices and getting quick loan estimates on-the-go. **To be ready to buy at 2025 caravan shows contact Jade Caravan Finance to arrange your finance.** *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*. **Categories:** Industry News --- ### [Expert Tips for Getting Fast RV Finance for last minute caravan buys](https://www.jadecaravanfinance.com.au/blog/loan-tips/quick-rv-finance-tips) **Published:** December 9, 2024 **Author:** Publisher **Excerpt:** For buyers requiring fast RV finance, the experts at Jade Caravan Finance provide tips for securing an affordable loan at competitive rates in a tight timeframe. **Content:** You’ve got holiday and travel plans in mind, but you’ve been busy and have a plan and suddenly it’s holiday time and you still haven’t got around to upgrading or purchasing your first RV to put the plan into action. If the plan also includes securing a loan to make the purchase, you may be concerned about the timeframe and the options available to you for affordable but fast RV finance. For buyers requiring fast RV finance, the experts at Jade Caravan Finance provide tips for securing an affordable loan at competitive rates in a tight timeframe. Allaying concerns about being charged a premium or a higher interest rate, and informing buyers of the steps involved and what they can do to ensure an efficient, timely loan application and approval process. ## Loan Options for Fast RV Finance Having a short timeframe to secure a loan does not impact the type of credit products available. Both secured and unsecured loans are available and can suit all the many variations of types and models in the caravan and recreational vehicle market. These include traditional caravans, hybrids, camper trailers, campervans, mobile homes, toy haulers, off road models and others. Expert tip – time may be saved in the overall process of acquiring a new caravan with financing by ensuring the vehicle selected is within budget. Prices can be changed into estimates of loan repayments using a [Caravan Finance Calculator](/loan-calculator). Quickly see estimates on caravan prices while browsing vehicles online and immediately discount those that are outside the preferred budget for repayments. Save time on inspections and dealership visits! Buyers of new models and second-hand models in good condition most commonly choose a [Secured Caravan Loan](/secured-caravan-finance). This type of credit allows for the vehicle to be used as collateral and with that security, lenders offer lower rates than on unsecured credit products. Not all banks and lenders will be offering a specific ‘caravan loan’ but a secured format loan which can be used for a range of recreational goods including RVs. Unsecured Personal Loans are an option for buyers of second-hand models where not accepted as security by lender or where the buyer opts not to provide the vehicle as security. This type of loan may suit buyers that are purchasing with a share arrangement on a vehicle with family or friends. Expert tips – if requiring a loan quickly, don’t wait until you’ve finalised your purchase. Loan applications can be made prior to purchase for pre-approval based on an estimated loan amount. Secured loans will require that the vehicle is insured. Having your choice of insurer and policy sorted while your application is being processed may speed up settlement and have you on the road for your caravanning holiday sooner. ## Fast RV Finance Interest Rates There may be a mistaken belief with some buyers that requiring a loan quickly attracts a higher interest rate – some type of premium. That is not the case. Interest rates are based on the credit score and financials of the buyer, not how quickly they require their loan. Interest rates will vary with different lenders. We provide a prompt service to deliver the most competitive rates from across our 80+ lender market for all customers. ## Process for Securing RV Finance Whether or not a buyer needs their caravan loan quickly, lenders will follow the same process in assessing the application and providing quotes. All lenders that provide consumer credit are required to follow the Responsible Lender Guidelines as established by [ASIC](https://www.asic.gov.au). But the time to get approval can vary with individual lenders and depending on the complexity of an individual application. As we provide a personal approach, with one of our brokers handling each application, we can deliver loan approval to many customers within 24 hours. Expert tip – Having all the financials and other details ready to include on the application, and ensuring the application is fully and correctly completed, may prevent any time wasting. Have tax returns, payslips, bank statements and other financial records at hand and ready to upload or brief our brokers over the phone on the first contact. Buyers of second-hand caravans will have additional steps in the application processing procedure. The caravan will need to be assessed as acceptable collateral by the lender if applying for a secured format loan. Checks may also be required with the [PPSR](https://www.ppsr.gov.au) to ensure that money is not owed on an existing loan for the goods. After the application is approved, settlement cannot proceed without insurance policy details being provided. As mentioned above, lining up the right cover note and policy ahead of time may contribute to faster settlement. ## How Using a Broker Can Assist with Getting RV Finance Quickly Using expert caravan loan brokers may contribute to getting the loan faster and to securing the best rates. We handle the entire process from initial enquiry through to settlement. Selecting the most suitable loan from our vast lender market, negotiating on rates and processing the application for quick approval and prompt settlement. **If you’ve left the purchase of your caravan to the last minute these holidays, contact Jade Caravan Finance to secure you fast RV finance.** *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.* **Categories:** Loan Tips --- ### [Where to go caravanning? Votes are in for Jayco Best Caravan Parks Competition](https://www.jadecaravanfinance.com.au/blog/industry-news/best-caravan-parks-vote-results) **Published:** November 25, 2024 **Author:** Publisher **Excerpt:** To spend the summer holidays at one of Australia’s best caravan parks in a new vehicle, contact Jade Caravan Finance for fast RV loan approval. **Content:** Still planning where to go caravanning this summer? Australia’s top selling RV manufacturer has provided inspiration for holidaymakers with the finalists and winners in the Jayco best caravan parks competition. An annual Greatest Escapes competition which allows RV owners and travellers to submit their favourite parks. The competition opened in July and a list of finalists was compiled and included parks across the country. The five winners across the categories of Family, Budget Holiday, Couples Holiday, Pet-Friendly and the People’s Choice Award have now been announced. Check them out and start making your travel and holiday plans. ## Best Caravan Parks 2024 – Finalists The finalists in the 2024 Greatest Escapes competition include a great selection of places to visit. Many holidaymakers will be on a budget this summer. In the Best Budget Park category the finalists were Venus Bay Beach Park NSW, Nug Nug Reserve Victoria, Eight Mile Beach Park in Western Australia and the Big 4 Opal Park NSW. Families can check out the finalists in that category with the BIG4’s Gold Coast and West Beach Park South Australia in contention. The Busselton WA’s Mandalay Holiday Resort and Victoria’s Bright Riverside Holiday Park also receive the finalist nod. In the Couples Park category, finalists were NSW’s Tathra Beachfront Park, the Sea Vu in Robe South Australia, Western Australia’s Lake Argyle Holiday Park, and the Voyages Campground at Ayres Rock. Many RV owners love to include their pets on the travels and votes for the best pet-friendly park have been tallied. Finalists include NRMA’s Forster Tuncurry, RAC’s Esperance WA, Tasmania’s Captain Cook holiday park and the Anglesea Family Park in Victoria. ## Best Caravan Parks Winners For 2024 the winners in the annual Greatest Escapes competition have been revealed. The Budget Holiday Park category was won by [Eighty Mile Beach Caravan Park](https://summerstar.com.au/caravan-parks/eighty-mile-beach) which is on the beachfront, between Broome and Port Hedland in Western Australia. An idyllic location and a park offering a great selection of amenities. The Family Park category was taken out by the BIG4 park on the [Gold Coast](https://goldcoastholidaypark.com.au/). A great location for families looking to enjoy a beach escape and take in the Queensland’s theme parks. The Couples Park category was won by the NRMA’s Tathra Beachfront Holiday Park on the NSW south coast. This park is right on the beach and is also pet-friendly. The winner of the Pet Friendly Holiday Park category was NRMA’s Forster Tuncurry property. A waterfront location on the NSW mid-north coast, the park offers a great range of amenities and the region an amazing selection of sights and activities to explore. The fifth category is the People’s Choice and that was won another NSW mid-north coast site – the Crescent Head Holiday Park. A popular destination for a wide range of holidaymakers and travellers, including surfers and nature lovers. ## Buy a Jayco Caravan Inspired to make your greatest escape? Vehicle need an upgrade? Want to start experiencing the caravanning lifestyle with your first RV? [Jayco](https://www.jayco.com.au/) offers a wide selection of RVs to suit all types of travellers and lifestyles. Buyers can select from traditional and all terrain caravans, campervans, camper trailers, off-grid models, toy haulers and pop top vehicles. For couples and singles and those making their first RV purchase, the J-Pod could be the ideal vehicle. Compact in size but packed with features, one of the great benefits of this vehicle is its ability to be towed with a small SUV or an average sedan. Saving the need to have a large towing vehicle. For travellers wanting luxury, Jayco’s Silverline range provides that comfort which the manufacturer says is aimed at reflecting the luxury of a contemporary home. For those wanting to go off the road and off the grid, Jayco offers a number of vehicles for buyers to consider. ## Financing a Jayco Caravan It’s not too late to secure your financing for a new Jayco and head to one of the best parks or off-grid summer holiday spots these holidays. To spend the summer holidays at one of Australia’s best caravan parks in a new vehicle, contact Jade Caravan Finance for fast RV loan approval. Our personal service and individual attention, ensures buyers receive prompt, immediate attention to enquiries and requests for quotes. Individual brokers handle each loan to streamline the application processing and approvals procedure, with many receiving their loan approval within 24 hours. Buyers can use our [Finance Calculator](/loan-calculator) when comparing the different Jayco models to calculate loan estimates on RV prices to assist with making their choice. The [Secured Caravan Loan](/secured-caravan-finance) will be the appropriate credit product for most new RV buyers and the rates we are currently achieving can be used to generate repayment estimates. **To enjoy your holiday in one of the best caravan parks with a new RV, contact Jade Caravan Finance for fast caravan loan approval.** *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.* **Categories:** Industry News --- ### [Looking for a Used Caravan? 5 Tips for Finding the Best Deal](https://www.jadecaravanfinance.com.au/blog/buying-tips/used-caravan-buying-tips) **Published:** December 4, 2024 **Author:** Publisher **Excerpt:** Discover 5 essential tips for finding the best deal on a used caravan, from storage and quality checks to off-grid capabilities and future modifications. **Content:** ![A caravan being towed behind a Toyota Hilux on a highway in outback Australia.](https://www.jadecaravanfinance.com.au/wp-content/uploads/2024/12/image.png)The gap between wanting to hit the open road and not having the funds to buy a caravan, is a common problem among travellers. But not anymore! Because we’ve got the solution. Pack your bags and start considering a used caravan instead. With such a wide open landscape and a vast number of breathtakingly beautiful sites, caravanning and camping across Australia is a highly desirable pastime for many domestic and international travellers. However, finding a new caravan can be a very expensive undertaking. Which is why many people are turning to the second-hand caravan market. But the question that clouds the minds of many used caravan buyers is: > How do you know if you’re getting the best deal possible? As a prospective buyer, it’s important to be well-informed and thorough in your search for the perfect second-hand caravan. There are the most obvious checks to undertake like mechanical, interior, and structural aspects of the van, but it’s also crucial to assess other aspects that are going to be important once you’re on the road – storage, quality, functionality, off-grid capabilities, and the potential for future modifications. Additionally, it is important to ensure you understand the legal requirements and regulations that apply to caravanners in Australia – from registration to insurance. ## Storage When viewing a used caravan, identifying the level of storage it offers is very important. Why? Because while travelling for long stretches of time away from home, the last thing you want is to be pressed for space. Having the option to pack additional food, clothing, sport equipment, or even your bike, can make all the difference to your experience in your caravan. Also check where the storage is accessible from. You’ll want to easily access your clothes and/or food and more while on the road. ## Quality When conducting your basic mechanical, structural and interior checks – make sure you inspect the condition of the van in terms of damage that has been patched, signs of dampness that could indicate mould growth, and whether you can see any rust around the tow hitch or wheels. This is especially important when buying from a private seller from a marketplace. When buying from a dealership, these checks are usually done for you but it is a good idea to get into the habit of checking regardless. ## Functionality The functionality of the van you’re viewing is an important consideration. There’s nothing worse than heading off on an adventure and cooking your first meal, only to find there is no room to chop up the vegetables, or that the entire kitchen set up is completely impractical. By thinking of your own kitchen set up at home, you can get an idea of the minimum amount of space you’re going to be happy with. Also consider whether the van has the capability to include the appliances you want to use – microwave, toaster, kettle, and more. These checks should be applied to each area of the van, including the bathroom if there is one. ## Off-grid capabilities Planning to head away from the beaten track? If you’re going off-road or staying at a site with no power or water, you’ll want to make sure your van is going to be able to support you. Determine whether there is plenty of storage for fresh water onboard, adequate grey water storage, and an off-grid power solution like solar panels (or the potential for them to be added). When you want to go off-grid, there will be nothing worse than realising your caravan is incapable of it. By considering its off-grid capability at the viewing stage, you’ll be able to avoid frustrating restrictions later on. ## Future modifications Finally, when you are purchasing a used caravan, it’s important to remember that it has been fitted out to meet someone else’s specifications. Although it may not be perfect for you, you should consider whether it has potential to be improved to suit your specific travelling needs. Take into account the cost of future modifications and weigh up whether the price is too expensive. There are plenty of used caravans on the market, so keep searching until you find a product that works for you. Considering purchasing a new or used caravan? Jade Caravan Finance has a wide variety of [personal caravan loan](https://www.jadecaravanfinance.com.au/overview-of-personal-caravan-loans) and [commercial caravan loan](https://www.jadecaravanfinance.com.au/commercial-caravan-loans) options available. Our expert used caravan finance brokers can secure your dream caravan without the stress of manually comparing rates and fees from different lenders yourself. By connecting with us online or by phone, we can provide clarity on the best finance option for you. As specialists in leisure goods and recreational vehicle financing, we know the caravan market. Our competitive rates and versatile loans are available on all used caravans, with secured used caravan loans subject to collateral approval. To receive a quote on your used caravan finance, or to have an obligation-free chat with one of our brokers, [contact us online](https://www.jadecaravanfinance.com.au/contact-us "Contact Us") or by calling [1300 000 003](tel:1300000003). **Categories:** Buying Tips --- ### [How to Power Your Motorhome Off-Grid](https://www.jadecaravanfinance.com.au/blog/buying-tips/power-motorhome-off-grid) **Published:** December 4, 2024 **Author:** Publisher **Excerpt:** Discover the best off-grid power solutions for your motorhome, from petrol generators to solar systems and wind turbines, to stay powered on the road. **Content:** When travelling in your motorhome, one of the biggest challenges you’ll face is generating electricity and monitoring its usage. This challenge can be greatly exacerbated if you’re enjoying additional luxuries like hair straighteners or TVs, or charging electronic devices. Since many motorhomes still tend to rely on modern-day traditional connections and hookups, it’s important to have a back-up off-grid solution for when you find yourself in a more remote area. Offering the opportunity to access lights, heating and air conditioning, and the ability to charge all your electronic devices – you’d be crazy not to invest in an off-grid power solution. If you’re setting up your motorhome for a road trip, or have intentions to venture further afield, here are our four best ways to power your motorhome off-grid. ## Petrol Generators Traditional fuel generators use fuel like gasoline or diesel to generate mechanical energy through combustion. This is then converted into electricity. The benefit of a traditional fuel generator is that it will offer high power output and can meet the electricity needs for an extended off-grid period. These generators can be either portable or built into your motorhome. Suitable for various weather conditions, these generators can provide a long-term and stable power supply that can be used for a number of camping activities like cooking, AC, and refrigeration. Traditional fuel generators are desirable for their low cost and high power output, however they aren’t very eco-friendly, can be quite noisy, and are often inconvenient due to their fuel-requirement. ![](https://www.jadecaravanfinance.com.au/wp-content/uploads/2024/12/image-1-edited.png) ## Portable Solar Blankets and Batteries Portable solar panels are an off-grid solution that consists of a portable and foldable solar panel. This panel can be placed in any desired location to provide power to your motorhome. Portable solar generators aim to maximise solar exposure by receiving direct sunlight exposure, converting it into electricity, and storing it in an energy storage battery for later use. Portable solar panels are ideal if you are looking for an eco-friendly, maximum solar absorption solution. This off-grid power option is relatively low in cost and can be easily transported. The downsides to portable solar generators are their low power output and the fact that they are heavily affected by weather conditions and sunlight intensity. ![A portable battery setup being charged by a solar blanket.](https://www.jadecaravanfinance.com.au/wp-content/uploads/2024/12/image-2-edited-1.png) ## Integrated Solar Systems As the name suggests, integrated solar power generation systems are part of the vehicle itself. While this kind of system is much more extensive than the other options we have discussed in this guide, you will be able to run all your appliances and lighting from this off-grid system. If your solar system has been professionally installed, it will typically have solar panels on the roof, and a charging unit, battery pack, and inverter within the vehicle. An integrated solar system works by converting solar energy into electricity and storing it in an energy storage battery for later use. This type of off-grid power solution is desirable because it can generate power while driving or stationary. ![Solar panels on top of various caravans, capers and a campground amenities block, charging batteries for campers.](https://www.jadecaravanfinance.com.au/wp-content/uploads/2024/12/image-3-edited.png) Additionally, if you combine an integrated solar system with energy storage batteries, you could have enough electricity for an extended stint in a remote area. Integrated solar systems are sought out for their high power output, convenient, and eco-friendly nature. The downside to this off-grid power solution is its inability to generate power from any desired location due to it being fixed on the motorhome (affected by parking location). They can also be expensive due to installation and connection costs. ## Wind Turbines Small wind turbines are another option for off-grid power. Attached to the back of the motorhome, wind turbines generate electricity while the vehicle is moving. A wind turbine utilises the power of wind to generate electricity. Consisting of a rotor with spinning blades, electricity is generated when the wind blows. Portable wind turbines are an eco-friendly option and don’t require any fuel. The downside to this off-grid product is that it is dependent on wind conditions, and will therefore typically result in low power output. ![Wind turbines on the top of an RV motorhome along with solar panels both to charge and power the electrical system.](https://www.jadecaravanfinance.com.au/wp-content/uploads/2024/12/image-4-edited.png) ## Final Thoughts By conducting in-depth research and preparation, you’ll be able to sufficiently and easily power your motorhome. With a variety of solar options available on the market, you can ensure your off-grid setup is environmentally-friendly while taking in the breathtaking scenery of the destination you’ve travelled to. For longer off-grid stints, consider combining power solutions to ensure a sustainable amount of power for your motorhome. It is important to note that the suggestions made in this guide are for reference only and that your final solution should work for your individual needs and budget. **Categories:** Buying Tips --- ### [Theft Prevention: Top Tips to Secure Your Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-tips/prevent-caravan-theft) **Published:** December 4, 2024 **Author:** Publisher **Excerpt:** Learn essential tips for securing your caravan, from window locks to GPS trackers, to protect your vehicle against theft while on the road. **Content:** Looking for ways to make your caravan more secure? There are plenty of anti-theft devices on the market that can help you protect your caravan against burglars. Cover your caravan in a layer of bubble wrap for your next camping trip to ensure your family holiday doesn’t turn into a nightmare. ## Window and Door Locks If you put locks on your doors and windows at home, why wouldn’t you have them on your caravan? Although they won’t typically stop your caravan from getting broken into, they will act as a deterrent to opportunistic thieves. When leaving your caravan for a period of time, it’s important to double-check that you have locked every possible opening. ## Wheel Security Investing in a wheel clamp will prevent your caravan from being towed whilst unattended. As a very straightforward extra piece of security, they’re simple to set up. In fact, most insurers in Australia will require you to have them as a condition of your caravan insurance policy. ## Caravan Security Alarms There are a range of alarms specifically designed for caravans. These alarms will either sound a large noise to scare thieves or send alerts to your phone, sometimes both. Just like household security alarms, they’re a popular security measure that you can easily install yourself. ## Caravan Insurance Like with most valuable things in life, you need to insure your caravan. When insuring your recreational vehicle, make sure you check the level of cover you’re going to receive. This is because some insurers will only cover road incidents. Another important consideration is that often insurers will only cover your caravan if you also have clamps, locks, and basic security accessories. ## Get a Hitch Lock or Coupling Lock Coupling locks and hitch locks both connect to your tow ball to ensure your caravan can’t be connected and stolen. Some of these locks can be fitted whilst the caravan is connected to the tow vehicle. Other locks may prevent any vehicle from being attached, ensuring the caravan can’t be towed. ## Storage When it comes to security, storing your car on the road and at home are equally as important. At home, you should protect your caravan from damage by covering it in a tarp. Especially if it spends long periods of time locked up and unused. Whilst on the road, choosing a safe place to park your caravan is crucial in ensuring security. ## Caravan Tracking Devices In our modern, tech-savvy world, there’s no excuse not to have a GPS tracker specifically for your caravan. Many GPS trackers are small battery-operated devices that can be hidden anywhere in your caravan. Having a tracker means you’ll be able to track your caravan’s location at all times from your phone. ## Security Screens/Blinds Security screens and blinds in your caravan add a level of privacy. Adding an extra security door and blinds can reinforce the strength of your caravan against burglars. ## In Conclusion Caravans are expensive recreational products that are in high demand since COVID-19. As more people hit the open road in their precious RV, it’s important to ensure you have the best security measures in place to protect your caravan from theft. Wheel clamps, coupling locks, and alarms can all be effective theft deterrents. For an additional level of protection, you may also consider an automatic sensor light that switches on inside your caravan when it gets dark. **Looking to Finance Your Caravan? Jade Finance Has a Wide Variety of Loan Options Available.** If caravan finance is at the front of your mind, get in touch. You’ll be partnered with a Jade Finance expert consultant who can provide more specific details on the key aspects of each leisure product financing type and explain how it would work in your situation. Experience why we are Australia’s leading specialist in leisure lending via our method for ease of application, long list of lenders, simple process, and quick turnaround times. To make the right choices on your financial needs, discuss your leisure product today with a Jade Finance consultant by calling [1300 000 003](tel:1300000003) or [request a free quote](https://www.jadecaravanfinance.com.au/approval "Free Finance Quote"). **Categories:** Caravan Tips --- ### [8 Must Haves for the Perfect Campsite Setup](https://www.jadecaravanfinance.com.au/blog/caravan-tips/perfect-campsite-setup) **Published:** December 4, 2024 **Author:** Publisher **Excerpt:** Ensure a smooth camping trip with these 8 must-haves, from power sources to weather-resistant tents and essential safety gear. **Content:** The key to an enjoyable camping experience is being well-prepared. Every aspect contributes to this outcome, from the food and bedding, to the lighting, seating, and tools. So, to ensure your next campsite is a well-equipped one, we’ve prepared this simple checklist of the 8 must-haves for the perfect camping setup. ## Power and Fuel Power and fuel are arguably some of the most important inclusions for a camping trip. They are the juice that allows a lot of your items to work like your lighting setup, refrigeration, cooking stove, and campfire. A key piece of power supply you should ensure you have is a portable dual battery pack or larger power bank with solar panels. This will come in handy when you’re camping on an unpowered site. ## Cooking and Food Storage Cooking meals outside is one of the best parts of camping. But it’s even more enjoyable when you have the right cooking gear. By adding a portable stove, gas bottle, cooler, and cooking utensils to your setup – you’ll enhance your entire camping experience. A portable stove is an essential piece of cooking equipment for any camping trip. They come in various sizes and fuel types, from compact single burners to larger propane grills. Additionally, you’ll be grateful for a gas bottle. Providing a reliable, controllable heat source, it’s the perfect item for cooking a wide range of meals. And of course, don’t forget your cooking utensils, pots, and pans. To secure the best camping cookware, look for lightweight, durable, and easy to clean options. ## Campsite Tools Another camping must have is a good set of campsite tools that can help you deal with various issues that may arise around the campsite. There are plenty of lightweight options that don’t take up a lot of space. Some examples include hammers, pegs, extra stakes, a screwdriver, dustpan/brush, spare ropes, a bucket, and cable ties. ## Camp Lighting A good lighting setup will provide adequate lighting for all your camping-related activities like general or ambient lighting, task lighting for reading/cooking, and directional lighting for pathways. There are many compact torch, headlamp, and lantern options on the market, with a variety of brands now offering rechargeable products. ## Sleeping and Bedding Camping is tiring work. Especially if you’ve been out exploring all day. So when you return to your campsite, you’re going to want a good night’s sleep. However, for that to happen, you’ll need the right type of bedding like a sleeping bag, mattress, and pillow. When considering which sleeping bag to take, think about the type of climate you’ll be camping in – various sleeping bags are designed for different temperature ranges. If you are camping in a cold climate, a mummy-style sleeping bag will be ideal and provide good insulation. If you are camping in a warmer climate, a simple rectangular bag is a sufficient option. ## Camping Furniture There’s nothing worse than sitting on the ground while camping. That’s why your camping setup should include a table and camping chair. Other handy items that you’ll be grateful for include shelving or a small kitchen pantry to raise items off the floor and organise your gear. ## Weather-Resistant Tent and Tarp While camping, your tent is your home away from home. That’s why you’ll want to ensure it’s sturdy, waterproof and large enough to accommodate the number of people you’re travelling with. When finding a water-resistant tent, look for a bathtub floor (curves up at the sides) and a full-coverage rainfly to keep you dry in wet weather. Your tent should also have plenty of mesh windows and vents to help with ventilation. Additionally, a tarp can add a layer of protection against the weather as well as serve as a great communal area for cooking. ## First Aid and Safety One of the most important essentials for your camping trip is a well-equipped first aid kit. A well-equipped first aid kit might include personal medications, insect repellent, sunburn cream, directions, extra drinking water, and a remote communication method like a whistle. ## Closing Remarks Whether you’re looking for a cost-effective family getaway, an easy weekend escape, or some me-time, camping is a sensational experience. For first time campers, getting setup with the right equipment can be a hurdle, which is why we’ve written this checklist. **Looking to finance your camping gear? Get cheap finance rates with JADE Equipment Finance.** If you want to feel confident in your decision to finance your camping equipment, the only business that should come to mind is Jade Car Equipment Finance. An enviable reputation in the equipment financing sector – [cheap interest rates](https://www.jadecaravanfinance.com.au/interest-rates "Caravan Loans Interest Rates – Compare Finance Rates"), and a service tailored to your needs are just a few of the benefits you will receive through our personal and professional finance brokers. We have a large source of options available to ensure you are getting the right loan for you. If respect and attention to detail is the kind of service you want, [request a quote](https://www.jadecaravanfinance.com.au/approval "Free Finance Quote") with Jade Equipment Finance today. **Categories:** Caravan Tips --- ### [What’s required to apply for a caravan loan & get the best rates?](https://www.jadecaravanfinance.com.au/blog/caravan-finance/whats-required-to-apply-for-a-caravan-loan-get-the-best-rates) **Published:** August 19, 2024 **Author:** Publisher **Excerpt:** Caravan Finance assists RV buyers to apply for a caravan loan by selecting lenders, advising requirements and handling the entire process for customers. **Content:** Whether they are upgrading, replacing or purchasing their first RV, most buyers know exactly what they want in their vehicle to suit their travel and holiday plans. But when RV buyers require finance for the purchase, not all may be as certain about what’s required to apply for a caravan loan and how they can get the best interest rate finance. Knowing the requirements for a RV loan ahead of making a purchase decision may assist with narrowing the short-list to affordable options, may expedite loan approval, and may ensure the most competitive rates on finance are achieved. And it may even speed up the entire purchase process and get buyers on the road in their new RV sooner. If you’re in the market for a RV and planning to secure finance for the purchase, use this quick overview as well as our available resources and services to get across the specifics of applying for a caravan loan. Note that loan application requirements are essentially the same for all types of RVs – caravans, campers, motorhomes, hybrids, toy haulers and others. ## Eligibility Requirements to Apply for a Caravan Loan RV loans for individuals are Consumer Credit, a lending market sector which [ASIC](https://www.asic.gov.au/) regulates. ASIC has established the requirements for individuals to be eligible to take on finance and the guidelines that lenders must adhere to. Beyond the essential requirements, lenders can also set their eligibility criteria to approve caravan loan applications – more on that below. To apply for a caravan loan, you must: - Be 18 years of age or older. - Be Australian or New Zealand permanent resident, hold relevant visa. - In receipt of taxable and regular income in Australia, verifiable. - Of a fixed Australian address. - Have credit history, score, profile. ## Details, Documents, Financials Required to Apply for a Caravan Loan Whether applying for Secured Caravan Finance or an Unsecured Personal Loan to purchase an RV, lenders will require the same details and documents on the applicant’s personal and financial position. Note the requirements and have your docs ready when you speak with one of our experts to commence your application. Being well-prepared can ensure a faster quote, faster offer, and faster loan approval. Requirements include: - Identification with Australian-issued documents which can include passport, driver’s licence, birth certificate, photograph, Medicare card. - Current loans and other liabilities – balance on finance owing, credit cards, BNPL outstanding amounts. - Income details with wages payslips, investment property income, income from shares and Government bodies and programs, income tax returns. - Regular outgoings and expenses such as rent, utilities, insurance, other spending and bills. - Bank statements. - Assets held in your name such as property, vehicles, boats, investments etc. Information and specifics of the RV being purchased will need to be provided with the loan application – new/used, make, model, year, any accessories, price, etc. If applying for finance before the RV has been selected, an indication of the type of vehicle, new or used and a price range, should be provided to the lender. ## Deposit and Security Requirements When lenders approve loans, they want some form of collateral – security, to be provided. This is the lender’s assurance they can recover outstanding monies if the borrower defaults on the loan. If applying for [Secured Caravan Finance](/secured-caravan-finance), most lenders will accept the RV as the main collateral against the loan. Whether or not additional assets need to be provided as extra collateral will be advised when the lender assesses the application. Another aspect to consider is the deposit you will need to apply for a caravan loan and get approved. Lenders will assess individual applications to establish the borrowing limit of that individual. That will determine how much of the total purchase price of the RV can be included in the loan. That then determines what deposit will be required. Deposit and collateral requirements are aspects which are not known until after the application has been lodged and assessed. But they can be issues worth considering – having a back-up plan for, prior to applying. Your Jade expert will be assisting with these issues when handling your loan requirements. ## Individual Lender Requirements In addition to the regulatory requirements of documentation and details to apply for a caravan loan, applicants may also need to meet individual lender criteria. These can be around the minimum and maximum amounts that lenders offer for RV loans, minimum credit scores, and similar. Our experts will be identifying the lender with approval criteria which is a best match to your profile. ## Requirements to Get the Best Interest Rates While we work on securing the best caravan loan [interest rate](/interest-rates) for every customer, in general terms, the better the credit score the better the rate offer. Credit history and scores are integral to lending and are checked by lenders as a standard part of the application assessment process. If you haven’t reviewed your personal credit history for a while, go to [Moneysmart](https://www.moneysmart.gov.au/) for details on how to get a free copy of your report and fix any errors. Improving your balance sheet by reducing debt can be a way to improve your credit position and attract better interest rates and better loan conditions. ## Use Our Services to Apply for a Caravan Loan We appreciate that applying for finance can be confusing, time-consuming and complex. Jade Caravan Finance assists RV buyers to apply for a caravan loan by selecting lenders, advising requirements and handling the entire process for customers. Our application service is streamlined and simple with online and phone resources. Save time, increase convenience, and secure RV finance individually sourced to meet your requirements. **For a streamlined way to apply for a caravan loan, speak with Jade Caravan Finance.** *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.* **Categories:** Caravan Finance --- ### [Caravan and Camping Supershow](https://www.jadecaravanfinance.com.au/blog/buying-tips/caravan-and-camping-supershow) **Published:** July 15, 2024 **Author:** Publisher **Content:** **Jade Finance Gears Up Ahead of 2024 Let’s Go Queensland Caravan and Camping Supershow** It’s the largest outdoor lifestyle event in the state. And this year it’s set to absolutely pop off. **The** [**2024 Let’s Go Queensland Caravan and Camping Supershow**](https://www.caravanqld.com.au/show/lets-go-queensland-caravan-camping-supershow/) **is back at Brisbane Showgrounds from June 5-9.** It’ll be a show boasting enviable vibes thanks to our team of experienced brokers who are set to hit the event with important financial advice and information for prospective clients. Going ahead over 5 days with more than 200 exhibitors, the Show will host almost every type of recreational vehicle imaginable. Full of information and network connections, our brokers will have a variety of loan products to discuss including caravan loans, motorhome finance, trailer finance via chattel mortgage, commercial hire purchase, and lease (to name a few). In 2024, the Supershow is expected to be bigger and better than ever to accommodate for the ever-growing interest in roadtripping amongst Australians. With 2 in 5 Australians (42%) planning a domestic roadtrip in the next 6 months, according to a nationally representative survey of 1,086 respondents, it’s clear our country’s backyard is the hot topic on everyone’ lips. With Queensland recorded in the top two states for residents hitting the road in the near future, the timing of the 2024 Let’s Go Queensland Caravan and Camping Supershow couldn’t be any better. With products for every budget and lifestyle choice available, our loan specialists will be hanging out amongst the exhibitors and perusing the huge range of caravans, motorhomes, campervans, camper trailers, tents, slide-ons, roof top tents, accessories and more on offer. Also available at the show will be a variety of exciting activities for new and experienced campers alike including Caravanning Queensland’s popular ‘Weight, Towing and Touring Masterclass’, the RV touring Hub, The Feel Good Family’s ‘Road Tripping’ information session, and a number of prizes. **Why Should you Attend A Caravan Show?** Whether you’re an experienced or wannabe caravanner – attending a caravan show is a great way to learn more about the industry and stay across the latest trends and products. Not to mention, caravan shows are a fun day out with a large variety of exhibits, activities, and entertainment. At this year’s Let’s Go Queensland Caravan and Camping Supershow, the main things you can expect are: - **A wide range of products and services** - **Exclusive deals and offers** - **Expert advice and insights** - **Latest innovations and technology** - **Networking opportunities** - **Destination and tourism information** - **Entertainment and activities** - **Hands-on experience** **What’s On Offer With Jade?** At Jade Finance, our brokers are all about ensuring the freedom, flexibility, and independence of leisure lifestyle are upheld. Sharing in the free-spirited approach to life, Jade is Australia’s leading specialist in leisure lending and our years of experience, depth of expertise, and huge bargaining power are huge draw cards for our clients. Our enviable position in the market is driven by cheap interest rates dependent on individual circumstances, fast turnaround times, and the huge list of lenders our brokers have easy access to. For individual, personal buyers – Jade offers Secured Finance and Unsecured Personal Loans for the full range of RVs, motorhomes, caravans, campers and camper trailers. With the full range of commercial finance products on offer, there’s no reason for you to look anywhere else. Lending is available for both new and used vehicles, purchased from dealers, private sellers and auction, and for all manufacturers, makes, and models. We have a national presence for caravan purchases in all states and territories – so come down and see us at the Supershow to discuss your financing needs. **Looking to Finance Your Recreational Vehicle? Jade Finance Has a Wide Variety of Loan Options Available.** If caravan financing is at the front of your mind, get in touch. You’ll be partnered with a Jade Finance expert consultant who can provide more specific details on the key aspects of each leisure product financing type and explain how it would work in your situation. Experience why we are Australia’s leading specialist in leisure lending via our method for ease of application, long list of lenders, simple process, and quick turnaround times. To make the right choices on your financial needs, discuss your leisure product today with a Jade Finance consultant by calling 1300 000 008 or [**request a free quote**](https://www.jadecaravanfinance.com.au/). **2024 Super Show Details** - June 5-9 2024 - Brisbane Showgrounds (600 Gregory Terrace, Bowen Hills) - The latest models of recreational vehicles - Prizes to be won just by purchasing a ticket - Tickets available [**online**](https://caravanqld.oztix.com.au/outlet/event/22ee9fc9-7d57-49d0-a982-0505900b574c?Event=186744) - More information [**here**](https://www.caravanqld.com.au/show/lets-go-queensland-caravan-camping-supershow/) **Categories:** Buying Tips --- ### [Choosing between caravan, camper or motorhome? Compare RV Loans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/choosing-between-caravan-camper-or-motorhome-compare-rv-loans) **Published:** June 24, 2024 **Author:** Publisher **Excerpt:** Jade Caravan Finance provides a convenient online financing calculator to allow buyers to quickly compare RV loans on caravans, campers and motorhomes. **Content:** Buying a recreational vehicle can involve a long list of choices, considerations and comparisons. Deciding between a caravan, a camper or a motorhome is one of the first decisions that many buyers will make. The decision between the type of vehicle can be determined very much by travel and holiday preferences and the availability or not of a suitable towing vehicle. But for some buyers, many of the buying decisions can be based on the financing options. We provide information, resources, expertise and tools to assist purchasers wanting to compare RV loans prior to purchase. Comparisons can include reviewing what is available in the lending market, comparing financing products, comparing interest rates, and comparing a loan for a used caravan with a new caravan. These comparisons may be simplified with our comprehensive approach to financing recreational vehicles. We provide the same finance products for all makes and models – campers, traditional caravans, motorhomes, campervans, toy haulers, and rugged expedition-style models. ## Compare RV Loans Market Options Finance for recreational vehicles is part of the consumer credit sector. This area of the lending market is extremely large with many providers offering financing options for caravan buyers. Lenders include the major and other banks, finance companies, some caravan manufacturers and dealers, and brokers such as Jade Caravan Finance. There are many variations in the market with the type of loan offerings, the type of interest rate, the interest rate, the approval criteria, and with the minimum and maximum amounts that lenders will approve. Some lenders may offer a Personal Loan as their option for financing a caravan. This type of credit is generally a generic type of finance which may suit many purchases such as caravans, boats and other goods and personal expenses. A key benefit of applying for a caravan loan with Jade, is that we have access to over 80 lenders. We quickly find buyers the lender that is their best match, and the lowest rates and most suitable offer. Simplifying the entire process of comparing recreational vehicle finance. ## Compare Used and New RV Finance A key aspect to appreciate when comparing finance for used and new vehicles is collateral. While new models are generally accepted as the finance security, the same is not always the case with used models. Lenders need to assess age and condition when deciding if the vehicle presents as suitable collateral for a loan. The age and condition may also impact the loan amount approved. Comparisons may best be made by requesting a quote from us for the vehicles you are considering. ## Compare RV Loans Product Specifics The two main financing products for recreational vehicles are secured and unsecured. We provide both options to suit all buyer preferences and all types of vehicles – new and used. The [Secured Caravan Finance](https://www.jadecaravanfinance.com.au/secured-caravan-finance) will be the go-to option for buyers of new models and many used models in good condition. Collateral is provided by the vehicle, with many buyers not needing to offer additional security. While some lenders offer variable interest rates on personal loans for caravans, we offer a fixed rate. This can be important as it ensures the interest rate doesn’t change with RBA and lender decisions. A fixed rate and a fixed term provide for fixed monthly payments. Allowing caravan owners to budget their spending and other major purchases. The deposit required on a secured loan is subject to the lender approving the finance amount requested. That is, if the buyer prefers to borrow 100% of the purchase price or is making a downpayment and borrowing less than the full price. When sourcing caravan finance, our experts can also, for many buyers, include the extra costs of accessories, add-ons, and optional packs. As specialists in caravan financing, we know that new vehicles are presented with options for customisation by buyers. Ordering all required extras and options at the time of van purchase, can allow us to incorporate the costs in the van finance. ## Compare Interest Rates on RV Loans Interest rates on caravan finance are offered based on the assessment of the application and credit score of the buyer. Rates displayed by lenders will be for good credit score applicants for new vehicles. These rates can be used to make general lender comparisons. The same interest rates will apply generally across the vehicle market – for campers, motorhomes and traditional caravans. But will be different for different buyers. For your specific rate, request a quote from us. ## Compare RV Loans on Different Models With such a great selection of manufacturers in the Australian caravan industry, buyers have a huge choice of makes and models. There can be quite large price variations, especially with budget models compared with a top-of-the-range model. Jade Caravan Finance provides a convenient online financing calculator to allow buyers to quickly compare RV loans on caravans, campers and motorhomes. Compare finance payments on a [Supreme](https://www.supremecaravans.com.au/) with a similar model from the Jayco range, an off-road with a traditional design, or any other options using our [calculator](https://www.jadecaravanfinance.com.au/calculator). **To easily compare RV loans, request a quote from Jade Caravan Finance.** *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.* **Categories:** Caravan Buying Articles --- ### [Snap up winter RV bargains with best rates on new and used caravan loans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/snap-up-winter-rv-bargains-with-best-rates-on-new-and-used-caravan-loans) **Published:** June 10, 2024 **Author:** Publisher **Content:** Summer may be the best time for caravanning, but winter can be the best time to buy a caravan. EOFY specials can present great opportunities to purchase new RVs at reduced prices. Manufacturers may also choose mid-year to clear old stock ahead of the release of new models. For buyers in the market for second-hand models, the market may be strong in winter as owners choose to sell to save storage costs. Whatever your preference, being prepared to buy with new and used caravan loans arranged, can place buyers in prime position to snap up the bargains, or to be well-prepared for spring-summer travel plans. But regardless of how good the RV price may be, whatever the discount is on a new model, whatever value a second-hand van represents, if finance is required to make the purchase, then the purchase may come down to the cost of the loan. Jade Caravan Finance assists buyers capture the best prices on RVs, caravans and campers, with the best interest rates on new and used caravan loans. Enabling buyers to proceed with buying a great value RV, maximising the value of the purchase and making caravan ownership accessible to more enthusiasts. ## Selecting the Right New and Used Caravan Loans Selecting the right RV can be relatively easy for buyers that know their travel plans and the on-the-road lifestyle they want to enjoy. But selecting the right financing product may present a more challenging prospect for some buyers. There are many financial institutions offering loans for RVs, often through a general Personal Loan. The loan may be secured or unsecured, have a fixed or variable interest rate, and have limits on maximum and minimum loan amounts. Getting around and across the market to find the right option for the buyer and the RV, can be difficult. Don’t despair, using our services makes the process easy. We have access to over 80 banks and finance companies and handle the lender selection process for customers. Identifying the lender offering the most suitable credit product for both the buyer and the van and the best interest rates. The key difference between financing for new or second-hand vehicles can be whether or not the van is accepted as the security for the loan by the lender. New vehicles are generally accepted by lenders as are most quality second-hand models. But the age and condition of the vehicle is assessed as part of the application approval process. Where a vehicle is accepted as security, our [Secured Caravan Finance](https://www.jadecaravanfinance.com.au/secured-caravan-finance "Secured Caravan Finance") will be the loan choice for most buyers. With the vehicle used as collateral for the lender, the most competitive interest rates are offered with this form of credit. We arrange secured credit with a fixed rate of interest to ensure the repayments won’t change over the full term of the loan. Where a vehicle is not considered acceptable security for credit, we provide buyers with competitive rates on Unsecured Personal Loans. This type of credit can be extremely flexible and versatile and suit many older model RVs. Where an old vehicle is being purchased to renovate and renew, unsecured credit may be an ideal financing option. These credit products apply to all types of RVs – traditional caravans, camper trailers, motorhomes, off-road models, toy haulers, campervans and others. Demo models would be considered as new vehicles. To see what the difference in loan repayments may be for a secured compared with unsecured credit product, use our [Caravan Finance Calculator](https://www.jadecaravanfinance.com.au/calculator). ## Getting Pre-Approved for Used Caravan Loans Snapping up a bargain in a strong demand low stock market can require being ready to buy. Second-hand vehicles offered through dealers or online are usually one-offs and sold on a first-in basis. Discounts and deals on sale models may be available only on a limited number of vehicles. Many caravan and outdoor shows are held in autumn and winter, providing buyers with great opportunities to get show specials on new models. Several manufacturers have recently unveiled new models at the Brisbane Caravan Show including [Jayco’s](http://www.jayco.com.au/ "Jayco’s") Black Edition Silverline, and the latest [Coromal](https://www.coromal.com.au/ "Coromal") model releases. To be first in line to capture these opportunities on new or used models, buyers can arrange their financing and get approved, ahead of time. Getting pre-approved caravan finance is a straightforward process and can be a savvy move. Simply apply for a loan based on a guide to the vehicle you intend to purchase, an idea of the price and an estimate of how much is required for the loan. With those details, and the information required for the application form, we source the best interest rate loan quote and process the application for conditional approval. Buyers have the confidence to say ‘yes’ to the seller, and the finance details are finalised when the sale is confirmed. Don’t hang back waiting for the best caravanning time to buy a new vehicle, take advantage of the specials available in winter by arranging your financing through Jade and snap up those great prices. **Apply for new and used caravan loans with Jade Caravan Finance by phone or online to capture great winter deals.** *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.* **Categories:** Caravan Buying Articles --- ### [Make a day of it: Discover the world of caravaning, camping, and the great outdoors these school holidays at the Coffs Harbour Showground.](https://www.jadecaravanfinance.com.au/blog/buying-tips/discover-adventure-coffs-coast-caravan-outdoor-expo) **Published:** April 5, 2024 **Author:** Publisher **Content:** Whether you’re a newbie to the road less travelled or a master of the great outdoors, the *Coffs Coast 4WD, Caravan, and Outdoor Expo* is an opportunity for adventure seekers of all experience levels to immerse themselves in everything caravanning and camping. From the 6th to the 7th of April, the *Coffs Coast 4WD, Caravan, and Outdoor Expo* will be running at the Coffs Harbour Showground, showcasing the latest caravanning and camping products, vehicles, and services, preparing you for your next off-road adventure, holiday, or weekend away. The vast range of related products and services on show also assists potential caravan buyers to get a real feel for the lifestyle that owning a caravan facilitates. Presented by Altitude Events, the expo stretches across eight acres and boasts more than 100 exhibitors, jumping castles, Kingbrown Camp Oven Kitchen cooking demos, Berkley Supertank fishing demos, a 4WD track, food trucks, free parking, and much more. Best of all, pets are welcome to roam right along with you! Tickets are sold at the gates from 9am, kids under 16 are free to enter and tickets for those 16 and above are $15. The Gate Prizes are kindly presented by Automax 4X4, which includes a CampBoss 180 awning, Carbon Offroad 12,000lb winch with hook, Outback Armour winch recovery kit, and STEDI type X Pro driving lights, valued at $3000. ## Financing your new caravan Our Jade Caravan Finance team will also be attending the event with our very own marquee, helping you to gain a greater understanding of the loan process for the caravan that catches your eye before even leaving the showground. The expo is a perfect place to gather as much information about the caravan market as possible, directly connecting manufacturers to potential customers. The Jade Caravan Finance team can answer any queries you have about caravan financing on the spot, clarifying the realities of potential repayments. What sets Jade Caravan Finance apart from lenders and banks in the caravan finance market is our specialised service in the sector, distinguishing Jade Caravan Finance Brokers as masters of our trade. We handle the entire process of sourcing, negotiating, structuring, and settling credit for our clients. We assure our customers the best rates from our base of over 80 lenders, leveraging our leading industry connections. Personalised finance service from a Jade Caravan Finance broker at the expo can facilitate a quick approval process and connect you with the lowest interest rates on the market. This means you can pick your dream camper at the expo and have the finance process set in motion by Monday! If you are confident about your intent to purchase a caravan this weekend, or even just weighing-up your options, there’s no need to wait until Saturday; buyers can apply for a loan online or over the phone and begin the financing process ahead of time, putting you ahead of the queue. This is based on the buyer’s estimate of the amount to be borrowed, meaning you can confidently browse new caravans at the showgrounds with much more financial clarity. Fill in your details via our [Free Finance Quote page](https://www.jadecaravanfinance.com.au/approval "Start your adventure today with instant approval for caravan finance.") to find a quick estimate of what amount you could be approved for. You can also use our [Caravan Loan Calculator](https://www.jadecaravanfinance.com.au/calculator ""Estimate your caravan loan repayments with Jade Caravan Finance's calculator.") to determine your potential monthly repayments. ## Why Jade Caravan Finance? Our expert caravan finance brokers are here to help you secure your dream caravan without the stress of manually comparing rates and fees from different lenders yourself. Visiting our Jade Caravan Finance team at the *Coffs Coast 4WD, Caravan, and Outdoor Expo* can provide clarity in relation to your finance options. Whether you choose to move forward with securing a quote before the expo, or you’re caught off-guard by the camper of your dreams and decide to purchase at a later date, our brokers follow the same processes. This means that your pre-expo quote will attract the same interest rate as for post-purchase funding, based on lender assessment of the individual application and credit profile. Have a chat with our Jade Caravan Finance team this weekend at the *Coffs Coast 4WD, Caravan, and Camping Expo* about the loan options available to you. ### Key event details Location: COFFS HARBOUR SHOWGROUND 123 PACIFIC HIGHWAY, COFFS HARBOUR Time: 9am to 4pm Saturday the 6th of April and Sunday the 7th of April Tickets: Free for children under 16, $15 for adults 16 and over. Purchase at the gate. Contact: 0421494556 / [admin@altitudeevents3.com.au](mailto:admin@altitudeevents3.com.au "Click here to contact our event organizing team directly via email.") #### Contact Jade Caravan Finance via 1300 000 003 **Categories:** Buying Tips --- ### [Getting a Cheap Campervan Loan to live the idyllic VanLife](https://www.jadecaravanfinance.com.au/blog/caravan-articles/getting-a-cheap-campervan-loan-to-live-the-idyllic-vanlife) **Published:** February 6, 2024 **Author:** Publisher **Content:** Perhaps you’ve had a taste of vanlife by renting a campervan for a holiday. Possibly observed others enjoy the flexibility and versatility of holidaying in a campervan while you were restricted to hotel-style accommodation. Others enjoying changing locations on a whim or with the weather. If you’ve made the decision to live the idyllic life that campervan can offer, then it’s time to consider getting a cheap campervan loan. VanLife is enjoying a significant surge in popularity. Campervans have well and truly moved on from the mattress in the back of a kombi. Today’s models are fitted with luxury inclusions and with interior décor which suits the lifestyle. Companies and individuals are restoring older vehicles to new levels of glamour while leading manufacturers are presenting new models and converting vehicles to specifically suit today’s market. Whatever your way into living the idyllic life offered with these types of RVs, we have a number of low rate financing options to consider. ## Makes, Models of New Campervans to Consider Volkswagen is a name almost synonymous with these types of vehicles. Their current [California model](https://www.volkswagen.com.au/en/range/camping-vans.html "California model") is built for great outdoor adventures with plenty of comfort and luxury features. A new name to watch for is the Dream Drive collection. An upmarket Japanese brand of conversions, based on the trusty Toyota Hi Ace. Geelong’s Davey Group are the people to see about this KumaQ model which are important from Japan. This model has a 4-wheel drive set-up, a 2.8 litre turbo diesel engine, and great inclusions. Such features as woollen insulation in the walls, cabinetry made from marine ply in black, and a 4 person dinette which can convert to make additional sleeping accommodation are just some inclusions to note. Other leading manufacturers to consider include [TRAKKA](http://www.trakka.com.au "TRAKKA"), [Jayco](http://www.jayco.com.au "Jayco") and of course Winnebago for large mobile homes. Campervans can be manufactured with a chassis and engine from a number of vehicle manufacturers. One of the big attractions of this type of RV is the driveability. They can be driven with a normal driving licence and are can be easy to manoeuvre and park. No separate towing vehicle is required such as with traditional caravans and campers and these RVs can take owners to many special locations. Travellers can opt for holiday parks or free camp sites, depending on the bathroom and other set-up of their particular model. They really do offer a lot freedom and flexibility and may be in a price range which is makes the VanLife a reality. ## Cheap Campervan Loan Options There are two lending products that may suit buyers of these types of RVs. As to which one is the most suitable will depend on aspects of the vehicle itself. Where a new or quality second hand model is being purchased fully set-up and ready to go, the [Camper Trailer Financing](https://jade.finance/camper-trailer-loans "Camper Trailer RV Loan") would generally be the most suitable option. With this product, the van forms the collateral for the funding. That decision is up to individual lenders, but new models and most quality used models would be considered acceptable collateral. We arrange these products with our best fixed interest rates and over a fixed term to suit our customer. With fixed term and fixed rates, buyers have a fixed repayment schedule. A format which provides certainty and confidence for budgeting holiday and other expenses. Another scenario may be an individual looking to purchase a used vehicle or model to renovate and refurbish. When doing up your own vehicle, you may be seeking funding for the vehicle purchase only or funding for the purchase price of the vehicle and the money to cover the restoration and renovation costs. This is the type of scenario where an [Unsecured Personal Loan](https://www.jadecaravanfinance.com.au/unsecured-personal-loans "Check out our Unsecured Loan offerings") may be more suitable as the vehicle would not be required as collateral. The rates are higher than for a secured product, but we have access to lenders that make highly competitive offers on this type of funding. To compare secured with unsecured options, use our rate comparison chart or our financing calculator. To talk through your options, feel free to speak with one of our brokers for a no-obligation discussion or request a quote. ## Tips to Get Best Interest Rates, Best Loans To get the most out of the vanlife experience, buyers will want to get the least on their interest rate offer. Using our brokers to source the best offer from across our large lender market, allows buyers to quickly and reliably, identify the lowest rates to suit their profile. Applicants should be aware that lenders will review the credit score and profile with good ratings typically receiving the lowest rates and may be approved for higher credit limits and more workable loan terms. If you’re ready to live the vanlife, add even more relaxation and enjoyment to your travels with low rate RV financing through Jade. **For low rate campervan finance contact Jade Caravan Finance or apply online for fast 24 hour approval.** *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*. **Categories:** Caravan Buying Articles --- ### [Affordable ways to buy an RV with friends - share caravan finance options.](https://www.jadecaravanfinance.com.au/blog/caravan-tips/affordable-ways-to-buy-an-rv-with-friends-share-caravan-finance-options) **Published:** February 6, 2024 **Author:** Publisher **Content:** You want to enjoy all that the RV lifestyle has to offer, but you don’t want to take on all the expenses and responsibilities of owning one yourself? We have share caravan finance options which may suit buyers that want this ‘best or most of both worlds’ opportunity. Share the ownership of an RV and cover only the relevant part of the costs associated with that ownership. This can be a very workable option for many travellers and holidaymakers. For holidaymakers and travellers that only want to use an RV for a limited time each, there are a number of alternatives to buying their own. Renting an RV is a popular option especially for campervans. But may not suit the needs of all travellers. Sharing ownership of an RV is another alternative which can be implemented in a number of ways. A shared ownership arrangement can suit extended family where one group want to use the RV during school holidays while another couple may typically holiday outside these times. One owner may pursue summer-based recreation while the other prefer to travel in winter. Sharing ownership can maximum the use of the RV which may save on storage expenses while the vehicle is not in use and keep some fixtures in better shape with more constant use. It can also allow the joint owners to holiday together if the RV is a size to accommodate all. In the current high cost of living environment, sharing RV ownership may also present a very sensible economic decision. There are many buyers that this approach to RV ownership will suit and funding products are available to make it a reality. **Jade Caravan Finance offers a range of RV loan products including share caravan finance options for those looking to buy an RV with other, joint owners**. Great low rates still apply and funding is individually sourced and structured to suit the specific needs of each owner. Ownership can be shared with any number of parties and not all need to be purchasing their share with credit. Sound like a solution for you? Consider your options and speak with us for a quote. Both or all owners ## Shared RV Ownership Options Sharing the ownership of an RV can be approached in a number of ways. Primarily, buy a time-share package from one of the companies offering such a product. These companies have emerged in recent years and may offer the ideal package to suit your travel plans. This option may be arranged for the use of an RV for a set number of days or weeks each year over a set number of years. The upfront buy-in may cover all costs or there could be some extras to be covered. Buyers should consider if the company has restrictions on where the RV can be taken – what areas, what type of terrain, and if they have the type of vehicle to suit where they want to go. Consider the features and inclusions of the vehicles available. Accommodation of course, but also the facilities to travel off-road and off-grid if that is the preferred destination. An alternative is to get family or friends together into a syndicate to purchase an RV together. It may be one that is large enough for all to holiday together or a model that each owner can use independently. This can be a very workable arrangement where the parties remain friends! And very cost-effective to share fixed ongoing costs such as registration, insurance and maintenance. To ensure all details are fully understood by all parties, a formal document may be drawn up. ## Share Caravan Finance Options With shared RV loans we’re referring to credit to purchase a share in a RV. Not multiple parties sharing the loan contract. Where one or several of the parties require funding for their share, it would be presumed that the vehicle would not be available as collateral to any of the parties when applying for credit. Having the vehicle available as collateral, is a requirement for a [Secured RV Loan](https://www.jadecaravanfinance.com.au/secured-caravan-finance "Secured RV Loan"). Without security by way of the RV available, buyers can apply for an Unsecured Caravan Personal Loan. This is a flexible and versatile credit product which can suit many purchases and many buyers. While the RV is not collateral, buyers may be requested by the lender to provide another form of collateral. The rates can be variable or fixed, higher than for secured credit, but still be the best and low rates through Jade. Buyers considering a shared ownership arrangement can use our finance calculator to work up estimates to assist in making the decision to be part of the arrangement and to select the RV price range. Our expert brokers can further assist with a [low interest caravan rate](https://www.jadecaravanfinance.com.au/interest-rates "Get started with our attractive camper loan rates") quote to see if this option can have you out on the open road with friends and enjoying the RV lifestyle. **Contact Jade Caravan Finance by phone or online to discuss the best rates and options for share caravan finance.** *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.* **Categories:** Caravan Tips --- ### [Showcase: Innovative 11’ Hybrid Camper from Australian Off Road ](https://www.jadecaravanfinance.com.au/blog/industry-news/showcase-innovative-11-hybrid-camper-from-australian-off-road) **Published:** February 6, 2024 **Author:** Publisher **Content:** While leading RV manufacturers typically launch many new models each year, Australian Off Road (AOR) has announced not only a new model but a first for the market. Introducing their [11’ hybrid camper Odyssey Signature](https://australianoffroad.com.au/ "Explore the Odyssey Signature"). An Australian-built hybrid camper from this highly-regarded Queensland manufacturer which builds on the brand’s extremely popular original Odyssey. Steve Budden, the owner and director of AOR, said that the original Odyssey, launched in 2003, was the camper trailer that built the business. Winning many awards for its innovative and original approach to the concept of hard floor camping. Mr Budden said the 2016 launch of the Series 2 created and even more improved experience. With the Series 3 Signature, the 2024 release, Mr Budden said the company has incorporated even further innovations. A key feature being the folding internal shower which simply folds out of the way when not required to allow additional space. While many RV buyers are seeking a bigger vehicle, there are those that want a compact model and the Odyssey Signature could be worth giving serious buying consideration. But whether large or small in size or in price, the financing obtained to fund the purchase can often guide buying decisions. **Focussing on the best interest rates, Jade Caravan Finance can assist buyers secure affordable loans for the new AOR Odyssey Signature 11’ hybrid**. Review the innovative features and watch AOR’s online videos to see if this compact camper suits your travel style and if so, contact us for a quick lending quote. ## Showcase: AOR Odyssey Signature 11’ Hybrid Camper Launched as a first for the market, this compact camper includes the best of the previous Odyssey models but with extra innovations to make this model truly special. One outstanding features is the way that the internal shower/toilet has been integrated into the design, without any real compromise on space. Providing internal facilities which are not always found in a camper of this size. A design built for off-road travel, it includes the largest solar and battery capacity available in this class of camper. The suspension and chassis are fully off-road to enable owners to travel to places well off the beaten track. But without compromising on comfort and touches of luxury. While the Odyssey comes extremely well fitted out, buyers can also add accessories to customise their camper to specifically suit their travel and holiday style. Optional extras include bike racks, additional water tanks and even more capacity in the solar and battery installation. The sleeping accommodation is berth and bunks configuration with the pop top body. The cooking facilities are designed as an external kitchen, with 3 burner gas cooker and with the fridge accessed both from outside and from inside. But as mentioned, the shower and toilet are inside. An innovative design which is attracting a lot of interest. A modular design with an OGO composting system for the toilet. The length is 5400mm, width 1950mm and height 2335mm. Tare weight 1440kgs and 560kg payload. To create additional exterior living area, a 3m wind out awning is included. The exterior styling and appearance is very smart. This camper looks great on the outside and that continues inside with quality finishes enhancing the compact, stylish interior. An extremely innovative design in a vehicle which will suit the travel plans for many camper owners. **Calculating Odyssey Signature 11’ Hybrid Camper Finance** The design, style set-up and fit-out of the Signature may be perfect for travel plans. But if the funding is not perfect for the buyer’s budget, this compact camper could be out of contention in the purchase stakes. To assist buyers to work out estimated repayments and financing based on the quote from AOR, we provide our [Caravan Finance Calculator](https://www.jadecaravanfinance.com.au/calculator "Navigate Caravan Financing with Our Calculator"). The entire purchase price may be used as the total in the calculator, less if a deposit is planned and more if no deposit funding with optional extras is required. The results offer an estimate only but a handy indication of affordability to guide buying decisions. Confirm exact repayments by requesting a quick quote. Our [low caravan loan interest rates](https://www.jadecaravanfinance.com.au/interest-rates "Navigate the Best Low-Interest Rates for Caravan Loans") and individually negotiated offers, sourced from our vast lending market coverage, can deliver extremely competitive and workable funding for even top of the range models. Our brokers listen to the requirements of each customer, assess their profile, and select the most suitable lender. Rates and lending terms and conditions vary across the market. Our approach to individual solutions ensures customers have the credit that is suited to their individual requirements and that the hard work of comparing rates and comparing lending options is done for them. Carried out efficiently and expertly to deliver them the most affordable lending outcome. **For low rate finance on the new AOR Odyssey Signature 11’ Hybrid Camper, contact Jade Caravan Finance.** *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.* **Categories:** Industry News --- ### [Get Quick RV loan approval to buy new camper for Easter holiday plans.](https://www.jadecaravanfinance.com.au/blog/buying-tips/get-quick-rv-loan-approval-to-buy-new-camper-for-easter-holiday-plans) **Published:** February 6, 2024 **Author:** Publisher **Content:** Scheduled for late in March this year, Easter can be the ideal combination of length of time at 4 days and weather conditions, early Autumn, to enjoy the outdoors on a camper or caravan holiday. Not too hot in some areas and in the southern states, just before the real chill sets in. If you’re making plans for an Easter getaway but don’t have a camper, it could be good timing to speak with us for quick RV loan approval to make your purchase. **With personalised finance service from your Jade Caravan Finance broker, buyers get not only low rates but quick RV loan approval for last minute buys.** Our quick 24 hour application approval can be critical to securing the camper of choice in some instances. When stock is limited and showroom models are ready to tow away, being ready with financing can ensure you are the one that signs the sale contract. Where a new camper is not a viable option and buyers turn to the second-hand market, having funding secured quickly can be essential to being the successful buyer. ## Selecting the Loan to Suit the Camper Many lenders and banks are in the recreational goods market, some with broad-based products aimed at serving the caravan, boating and similar types of purchases. As specialists in the sector, we provide a [Secured Caravan Finance](https://www.jadecaravanfinance.com.au/secured-caravan-finance "Navigate Your Secured Caravan Finance Solutions") product which is specifically for recreational vehicles. A secured product is the option of choice for new models as lenders typically accept the vehicle as collateral against the borrowings. Many buyers not requiring to offer other assets as additional security. With fixed rates, fixed terms, fixed repayments and our lowest rates sourced from an 80+ lender market, this can be a very workable and affordable camper funding option. This product can suit all types of caravans and campers including slide-ons, hybrids, off-road and others from all manufacturers including leaders such as [Jayco](http://www.jayco.com.au "Jayco"), Avida, Cub Campers and [Bruder X](https://bruderx.com/ "Bruder X"). When buying a new model from a dealer, consider what extras you want to buy from the dealer along with the vehicle. Where those extras such as awnings, larger water tanks, extra solar panels etc are bought in conjunction with the vehicle, we can usually include the costs in the vehicle funding. A new model may not be available to purchase in time for that Easter getaway as many recreational vehicles are built to order. Or, the credit payments on the price of a new one might be stretching the budget just a little too far. The second-hand market can be an alternative to find a well-priced, quality camper that suits the holiday style and the budget. The issue to consider when seeking credit for a second hand model is the condition. Specifically, if the age and condition will be good enough for a lender to okay for credit security. Where it is not, an [Unsecured Personal Loan](https://www.jadecaravanfinance.com.au/unsecured-personal-loans "Find Your Unsecured Personal Loan Solution") is a credit option to consider. ## Comparing RV Finance Interest Rates Before Applying Requiring a fast lender okay on financing does not have to mean overlooking the diligent steps in sourcing funding. While we know our rates are low as we focus on achieving the best possible from our 80+ lender base, we do provide fast and easy references for buyers to compare rates. Our comparison chart of interest rates from a number of lenders is a quick reference to provide our customers with the assurance of our capabilities in sourcing the best rates. Our Finance Calculator provides an essential tool for buyers to convert camper pricing to estimated credit repayments. ## Applying for a RV Loan Making an application for camper credit is easy with Jade. Simply apply online or call us, speak with one of our brokers and complete the necessary steps over the phone. We assist buyers across Australia with our convenient online and phone services. As camper financing falls under the Consumer Credit sector, as Responsible Lenders, we are required to request certain information under the law. Buyers can expedite the process by having details around their employment, income and financial position ready. ## How to Get Fast RV Loan Approval Using our broker services can expedite receiving an approved offer from one of our lenders. Our brokers have fast connections at an industry level with our lenders. Providing fast and direct channels to get the okay on applications and to negotiate credit offers. Apply to today and receive your okay and a possible offer within 24 hours. ## Easter Caravanning Tips and Hints Most Aussies know that Easter is peak holiday time with many people hitting the roads for their favoured locations. Caravanners and camper-trailer owners are strongly advised to book holiday parks well ahead to avoid disappointment. If intending to stay at free camp sites, you may have to schedule your trip to arrive as early as possible to secure a site. Towing a camper or caravan is a great responsibility and owners are urged to drive safely. The road toll has been extremely disappointing across Australia in recent times, with police and authorities pleading with all drivers to slow down and drive to the conditions. Check your planned route and destination well ahead for road conditions. Recent heavy rain events have flooded many areas, damaging roads which are yet to be repaired. A major issue of mention lately has been caravan owners not knowing their towing weight and receiving fines for overweight vehicles. Check these details to ensure you are not burdened with a fine. Another issue in the spotlight has been caravan owners using truck rest stops. These areas are for trucks so drivers can take their necessary breaks. They should not be used by caravans. Follow the rules, do your pre-trip checks and enjoy your Easter travels. **For quick RV loan approval to purchase a camper for Easter, contact Jade Caravan Finance by phone or online.** *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.* **Categories:** Buying Tips --- ### [Buyer Inspiration: New Jayco Models & Current Deals](https://www.jadecaravanfinance.com.au/blog/buying-tips/buyer-inspiration-new-jayco-models-current-deals) **Published:** January 23, 2024 **Author:** Publisher **Content:** Time for a new or your first RV? Looking for inspiration as to which make or model to buy? We showcase one of Australia’s largest and most popular manufacturers, Jayco. Highlighting the brand’s new 2024 models and their current deals on previous models. Jayco’s new models include a hybrid camper trailer and a new model motorhome. Models which will suit many buyers. To suit buyers looking for a great price, the manufacturer is in the last days of their factory sale on 2023 models. Buyers will need to be quick to get in before the sale ends. We can assist with fast pre-approved loans so the funds are confirmed ahead of heading to the showroom. Be inspired by what Australia’s leading RV manufacture has to offer and be motivated by the low rates we can offer on financing your chosen van. ## Showcase: [New Jayco Models](https://www.jayco.com.au/ "Explore the Latest Jayco Models: Your Path to New Adventures") One of the new models from the brand is the [CrossTrak](https://www.jayco.com.au/range/jayco-hybrids/jayco-hybrid-crosstrak "Introducing CrossTrak: Your Ultimate Adventure Companion"). This is a hybrid pop-top which is built to take on those adventures off-grid. There are three floorplan options for buyers to select from – a 14’ with one double bed and two 16’ options to sleep 3 or 4. So plenty of space for friends to join the adventure. Built to head to out of the way locations, the CrossTrak features heavy duty shock absorbers and independent suspension, two 200w solar panels and 120AH lithium battery. The design includes a slide-out kitchen on the exterior with two burners and a sink. For comfort and a touch of luxury, these models do include a hot water system! The CrossTrak can suit a lot of different buyers and it this model fits your adventure plans, start planning the funding to make the purchase. To see what estimated repayments may be on a CrossTrak with our low rates, just enter the advertised pricing – from $53,455, as the total amount in our [financing calculator for caravans](https://www.jadecaravanfinance.com.au/calculator "Caravan Financing Calculator: Plan Your Dream Adventure"). If considering including extras and accessories in your CrossTrak order, add a little more to allow for the price to be included in the financing. For those that don’t want the towing, there are new motorhome and campervan models to be inspired by – a new Optimum and the new Conquest. The new Optimum campervan has the Volkswagen 2 litre turbo diesel engine to power your home on wheels. The interior is set-up for comfort and convenience with kitchenette, seating and a shower and toilet. The new model has sleeping accommodation for two and can take four people for transportation purposes. For financing estimates, the price estimate is around $146,000. This can be an initial figure for inspired potential buyers to use when calculating repayments. At a higher price point of edging towards $210,00 is the new 26’ Conquest motorhome which is powered by IVECO. This model is seen by the brand a major upgrade in this collection. Features include improved options for storage, double bed, washing machine, separate shower, and the dining area in an L shape. A point for travellers to note with this model is its ability for flat towing a small vehicle – 3.5t, to provide an additional transport option when spending longer periods in the one location. These new models are sure to headline Jayco’s exhibits at upcoming shows and expos. But to get in early, buyers can speak with us to secure their funding and confidently place their order. ## Current Deals from Jayco Who doesn’t love a sale, especially when it’s presented by a major caravan manufacturer. But buyers wanting to capture a deal at the factory sale will need to be fast. At time of preparing this piece, there is only a matter of days left. What is available – depending on ‘while stocks last’ deals can be found on 2023 models of hybrids, campers, pop tops, toy haulers, traditional caravans and motorhomes. ## Get Low Rates on Jayco Finance While Jayco’s new model can be your inspiration to upgrade to a new RV, our low rate funding can be the motivation to place an order. With our resources and capabilities and massive lender panel, we source the lowest rates from the most suitable lender, to suit each customer and their RV purchase. [Lower caravan loan rates ](https://www.jadecaravanfinance.com.au/interest-rates "Unlock Lower caravan Finance Rates for Your Financial Goals")means lower repayments and lower total investment in your RV. We provide funding for all types of RVs so buyers can be confident that we can meet their requirements. Confirmed quotes and approvals can be arranged prior to purchase and quotes for different priced models can be provided if say considering the Optimum or the Conquest. ## Fast Loan Approvals to Secure Your Jayco **Jade Caravan Finance provides fast approvals on RV loans to enable buyers to secure the latest new models from Jayco quickly, with affordable low rate financing**. Many approvals can be received in 24 hours so buyers can place that order and get their vehicle delivery timing underway. **For low rate finance on the latest models from Jayco, contact Jade Caravan Finance.** *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.* **Categories:** Buying Tips --- ### [What’s New from New Age Caravans Copy](https://www.jadecaravanfinance.com.au/blog/buying-tips/whats-new-from-new-age-caravans-copy) **Published:** January 23, 2024 **Author:** Publisher **Content:** What’s new at [New Age Caravans](https://www.newagecaravans.com.au/ "Modern, Innovative Caravans for Every Adventure") is a limited time price special on a number of the brand’s top selling models – the Manta Ray and the Road Owl. The special pricing – under the $80,000 mark. A great opportunity for new buyers to get their first RV and for seasoned road travellers to upgrade their vehicle at an affordable price point. We encourage interested buyers to contact their favourite dealer to confirm specifics of the offer, especially availability of stock and pricing. If the offer is expiry soon, get onto Jade asap for fast 24 hour credit application approval to secure your vehicle. This is one of Australia’s favourite and highly-respected caravan manufacturers. In building their vehicles, safety is paramount but comfort and luxury is not compromised in any way. The manufacturer is the only one in the world, that includes the Walkinshaw hot dip galvanised chassis. Strong and high quality for safer travels and more durable product over a longer lifetime. They have a great selection of models to suit many travel styles and with our cheap rate financing, we may make it a very affordable purchase for years of happy holidays and travel ahead. ## Showcase: Latest New Age Caravans Models There is a limited time offer on models from the Escape Range – the 19’ Manta Ray and the 19’ Red Owl. Both model year 2024 and both priced highly competitively at $79.990. The Manta Ray is a very smart looking vehicle which comfortably accommodates up to 2 persons with a queen-sized bed. Enjoy your home away from home with an internal shower and an ensuite with show as well as reverse cycle air conditioning. Have more friends or family to bring on the road? Then consider the Road Owl. Also at 19’ but with accommodation for 5 persons with the company’s clever floorplan designs. The sleeping accommodation includes a queen-sized bed as well as triple bunks with foam mattresses. This model also include the ensuite, toilet, internal shower and reverse cycle air conditioning. At this price point, keen buyers are urged to contact the company or their dealer for confirmations of availability and details of the offer. Before making that contact, buyers can request a quote from us to clarify their monthly commitments and credit approval to be ready to say YES to the sale. If these two models don’t fit your travel style, consider the [Big Red Collection](https://www.newagecaravans.com.au/caravans/big-red/ "Big Red Range at New Age Caravans - Explore Australia in Style"). Available in a range of sizes and floorplans, this collection is designed for the long range tourers. The accommodation options include club lounges, bunk beds and a slide-out bedroom to maximise space. The standard features are pretty impressive with external speakers for outdoor entertainment, solar panels to support you on free camp sites and off-the grid and great new features. The entire range from this manufacturer is impressive and worth taking the time to review either online, at the next RV show or in the showroom. ## Calculating New Age Caravans Loans For buyers that like to know affordability before inspecting vehicles, click through to our [Finance Calculator](https://www.jadecaravanfinance.com.au/calculator "Finance Calculator") and start generating estimates on the different models. The company conveniently advertises price estimates on their website. Prospective buyers can use these prices as the total when generating credit estimates in the calculator. If making a down payment, deduct that from the total. If seeking no deposit credit, include the full price plus extra if additional accessories are required. The estimates generated can provide a useful guide to make decisions on which model to consider in greater depth. ## Get Low Rates, Workable Terms on New Age Caravans Finance Inspired by the special offers and exciting features of this range? Then our low interest rates on RV credit might be the incentive to turn inspiration into reality with a purchase. With access to over 80 lenders and as specialists in the RV lending market, we are ideally placed to source our customers the [lowest caravan rates](https://www.jadecaravanfinance.com.au/interest-rates "Find the Best Deals for Your Caravan Finance") available. Each customer is matched to the lender that best meets their individual credit profile and of course, their new RV. With the right lender comes the best rate offers. The lower the rate the lower the interest accrued over the term and the lower the overall cost of purchasing a new vehicle. The same funding products, features and rates will be suitable for all models from this manufacturer. So buyers can get approved with a confirmed quote based on any of the price points advertised. With the Escape Range on limited offer, moving quickly may be required to secure your vehicle. ## Get Fast Approval for Limited Offer Escape Range **Jade Caravan Finance arranges fast 24 hour loan approvals to allow buyers to secure limited offer vehicles in the New Age Caravans Escape Range**. Don’t miss out. Contact us and your local dealer asap. **For low rate finance on the limited time offer latest models from New Age Caravans, contact Jade Caravan Finance.** *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.* **Categories:** Buying Tips --- ### [Finance Offer Different from Caravan Loan Calculator result? Here’s why.](https://www.jadecaravanfinance.com.au/blog/buying-tips/finance-offer-different-from-caravan-loan-calculator-result-heres-why) **Published:** January 22, 2024 **Author:** Publisher **Content:** Love it or loathe it, technology has become an essential part of most aspects of life. With over 25 years experience in the lending sector, we were one of the first companies to embrace technology into our service delivery. Developing and providing systems to assist customers to more conveniently plan and source cheaper credit. Our [caravan loan calculator](https://www.jadecaravanfinance.com.au/calculator "Calculate motorhome finance repayments fast!") is a key part of our online tech resources and an extremely useful buying tool. But one of the frequently asked questions that were regularly address is why the offer we present to a customer is different from the result they received when using the online calculator. The answer is simple, the explanation more extensive. The short answer is that many users do not fully understand and appreciate the purpose and limitations of an online credit estimator. To ensure all customers correctly use and optimise the results from our buying tools, we provide this comprehensive explanation. ## Purposes of a Caravan Loan Calculator **Jade Caravan Finance provides a caravan loan calculator to empower buyers to generate finance estimates which should be followed-up with a request for a quote**. The key purpose of an online estimator is to carry out the mathematical computations involved in working out the monthly repayments based on the interest rate, total amount and term entered by the user. Change the values and a different result will be shown. The objective is to give buyers an initial guide of what repayments may be on different RV prices. This can greatly assist and direct buyers to focus on RVs in a price bracket with credit repayments in their budget. ## Appreciating Calculator Strengths & Limitations As with many things, users must appreciate the strengths and limitations of the estimating device. It is generic in that anyone can use it. The device has strong functionality for complex interest rate computations. But it does not have the functionality to discern between users on the basis of the credit profile. [Caravan finance rates](https://www.jadecaravanfinance.com.au/interest-rates "Affordable Loan Options for Your RV") offered vary for applicants based on their credit profile. The rate a user enters may not be the one that a lender offers them if their credit rating is below the best. If a buyer is not aware of their current credit score, they can refer to [Moneysmart](http://www.moneysmart.gov.au "Australian Government's Guide to Managing Finances") for ways to secure a free copy of their credit report. Lender fees and charges and loan products can also vary across the lending market. We are accredited with over 80 lenders and until we personally assess a customer’s profile and match them with the lender, it would not be known what fees and charges would be applicable. The estimating device therefore does not have the functionality to allow for this aspect of the credit. Understand those limitations, and users can receive extremely valuable guidance from the estimates generated by the online device. ## Correct Use of a Caravan Loan Calculator Proper use of any device will deliver the best outcomes. Users of the estimating device should follow the prompts and enter the values as indicated. For the total borrowing amount, take into account the price of the RV, deduct an amount if you intend to pay a deposit, and add an amount if you intend to add accessories and add-on packs. Most manufacturers will advertise a price for their models. But this may not be spec’d up to the specific requirements of the buyer. They may want additional solar panels, extra awnings, larger water tanks or the upgraded fixtures and finishes pack. By considering the purchase carefully, estimator users can better estimate how much they will need for their funding and enter that amount. The interest rate we have touched on above. Lenders, including Jade, display their best rates. These are for new RVs for credit applicants with a good score. Where the purchase varies from those criteria, the user may not be offered the best rate. If you feel that may be you, you may like to use a slightly higher rate as a contingency factor. The term is fairly straight forward. We can arrange 7 year terms, subject to lender approval. ## Difference Between Calculator Estimate, Quote and Offer Users of online estimating devices should also understand the difference between an estimate generated on such a device, a quote and an offer. From the information above, the purpose and significance of an estimate generated on the device should be clear. It is a basic computation from the data entered. To get a quote or offer, buyers will need to submit a request via our, or other lender’s, online forms or by phone. An application will include information on the financial position, earnings and assets. An assessment will be made of the application and credit profile and from that, lenders will prepare a quote or offer. An offer is exactly that – an approved offer of funding based on a confirmed interest rate with a confirmed repayment schedule. It is based on the specific RV being purchased by that specific buyer. We can provide quick quotes and approvals in 24 hours. So buyers can have fast access to all the confirmed information they require to make an informed buying decision. We want buyers to use our buying tools and get the most value from them to make buying an RV with credit a smooth, streamline process. But we also encourage estimator device users to check with us, to request a quote, for a confirmed, approval offer in order to proceed with their purchase with confidence. **For a confirmed quote after using our caravan loan calculate, contact Jade Caravan Finance by phone or online.** *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.* **Categories:** Buying Tips --- ### [Benefits RV Buyer Enjoy with Specialist Caravan Finance Broker](https://www.jadecaravanfinance.com.au/blog/buying-tips/benefits-rv-buyer-enjoy-with-specialist-caravan-finance-broker) **Published:** January 15, 2024 **Author:** Publisher **Content:** When it’s time to source funding for a new RV, it’s natural for purchasers to either contact their current bank or search the net. Many will start requesting multiple quotes and even submitting applications to compare the best. With so many online options, credit seekers might ask ‘why do I need a caravan finance broker?’ Won’t it be a lot quicker if I just get plenty of quotes and offers to make my choice? What can a broker do for me that I can’t do for myself? Having been in the recreational goods lending sector for more than 25 years, these are queries that we are quite familiar with, and we have the answers. **RV buyers can enjoy many benefits from using Jade Caravan Finance Broker – the lowest rates, best loans, and the right lender without affecting credit scores**. We act promptly, deliver fast approvals and our services are also accessible online. Our credit services are available to purchasers of all types of RVs – traditional caravans, camper trailers, mobile homes, campervans, hybrids, off-road, new and used. When handling credit sourcing themselves by making multiple applications and quotes, many buyers don’t realise the potential negative impact that their efforts may be having on the credit score and profile. Having a good credit profile can be critical to being offered the best rate and overall best loan. But each request to a lender made by an applicant can be reported to the agencies that compile credit histories. When other lenders refer to this profile and see multiple requests for the same loan – it can be viewed negatively. By using our specialist services, buyers enjoy the benefit of having a vast number of banks and lenders covered, but without that impact on their credit profile. ## Caravan Finance Broker with 80+ Lenders Covered RV credit is included in the large consumer credit sector, with many banks and financing companies offering credit to purchase RVs and other recreational goods such as boats. There are similarities in many aspects of applying for credit with all lenders in this market as the sector is regulated by [ASIC](http://www.asic.gov.au "ASIC: Safeguarding Australia's Financial Integrity"). ASIC sets out Responsible Lender Guidelines around a range of aspects of in regard to how lenders, including brokers, must act when considering credit applications. But beyond adhering to these regulations, lenders will have their own individual guidelines or approval criteria and they do set their own interest rates. Some lenders are better suited to some types of buyers. Finding which is the right one for an individual customer is a key benefit that buyers enjoy when using our services. Our accreditations 80+ providers in the lending market, allows our customers quick access to finding the right lender and the best offer for their RV credit. And have that job done for them. Eliminating the time and effort of covering as many lenders as possible within the timeframe they want to source credit to order their van. ## Enjoy Lower Rate Loans with Caravan Finance Broker When sourcing rate comparisons themselves, buyers may come across comparison sites offering a list of what some lenders are currently offering. But, how do you know that list is comprehensive enough to draw conclusions? How do you know if you will be offered the rate displayed? The onus is still on the buyer to follow-up with each of the lenders displayed to get a quote. Our focus as your consultants is to not only identify the right lender but to find the [lowest caravan rates](https://www.jadecaravanfinance.com.au/interest-rates "Discover the Lowest Caravan Loan Rates for Your Next Adventure"), arrange quotes and get your application approved. So not only can buyers have confidence that many lenders have been covered off when we source the lowest rates, they also enjoy having the hard work done on their behalf, professionally and with superior negotiating skill and lending expertise. ## Easily Compare Interest Rates with Caravan Finance Broker When it comes to comparing RV credit rates and estimating repayments, we provide an easy to use [caravan finance calculator](https://www.jadecaravanfinance.com.au/calculator "caravan calculator for financing") for buyers. All buyers need to do is enter the amount their require for the purchase and the preferred time to repay the credit, and the repayment estimate is displayed. To get an exact quote, simply click through to request a quote and we’ll be back to you promptly. ## Caravan Finance Broker Provides Easy Online Application Process As leaders in our field, we have been providing online service delivery processes and tools for a long time and continually upgrade our online tech. Wherever a buyer is located and wherever the RV they are buying is located, the credit to make the purchase can be applied for online with us. ## Your Best Interests are the Focus for Caravan Finance Broker While low rates and flexible credit are of major interest for our customers, for our consultants, [Camper Trailer Financing](https://jade.finance/camper-trailer-loans "Invest in your adventures with our camper trailer financing") is our major interest is achieving the best outcome for our customer. When handling credit searching themselves, buyers take on the full onus of responsibility of the task – selecting the lender, selecting the right credit product, ensuring the application is completed correctly, ensuring they’ve made the right decisions. When using our services, buyers have their interests addressed as a priority. Enjoying the full benefits of having expert advice, skill and experience to ensure they receive the best RV funding available. **To source funding for your next RV purchase, enjoy all the benefits of an expert caravan finance broker by contacting Jade Caravan Finance.** *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.* **Categories:** Buying Tips --- ### [Require funding for your first RV? Get a quick rundown on applying for a caravan loan ](https://www.jadecaravanfinance.com.au/blog/buying-tips/require-funding-for-your-first-rv-get-a-quick-rundown-on-applying-for-a-caravan-loan) **Published:** January 23, 2024 **Author:** Publisher **Content:** The caravanning holiday and travel style has been embraced by many Australians in recent years and newcomers continue to be attracted to the lifestyle. Those buying their first RV may be surprised at the wide range of options available – hybrids, off-road, traditional styles, camper trailers, campervans, small and large, new and used, for buyers to work through. When it comes to applying for funding, there are also quite a few variations across the lending market to consider. **As experts in RV lending, Jade Caravan Finance assists first time buyers of all makes and models, with applying for a caravan loan and securing the best rates.** While, as brokers, we handle the entire process of sourcing, negotiating, structuring and settling RV credit for our customers, it is strongly advised that buyers understand the basics to enable well-informed decisions to be made. This news item provides those basics in a brief overview of RV funding – the products available, the lending market and how we can secure better rates. ## Applying for a Caravan Loan – Finance Options While all RV types can be funded with credit, the most suitable product can be different for new and some second hand models. [Secured Caravan Finance](https://www.jadecaravanfinance.com.au/secured-caravan-finance "Secured Caravan Finance") most commonly suits new and quality used models. This is the preferred options for most buyers. It attracts our best fixed interest rate, can be structured over a fixed term and the RV is accepted as the security. Many buyers will not be required to provide extra collateral. No deposit credit is available, subject to lender approval, which enables buyers to borrow the complete purchase cost. Where the lender considers the age and condition of the RV unacceptable as collateral, buyers can consider our Unsecured Personal Loan. The interest rate is higher than the secured option, but attractive rates can be secured and a fixed term arranged. To get an estimate on the monthly repayments that our current rates may deliver on the RVs you are considering, use our [Caravan Finance Calculator](https://www.jadecaravanfinance.com.au/calculator "Calculate Your Caravan Loan Potential"). Type in the amount you want to borrow, the term preferred to repay the commitment and the rate we are currently showing. The calculator instantly calculates the monthly repayment estimate based on those figures. This can be a great tool for pre-purchase budgeting. ## How to Secure the Best Caravan Loan Interest Rate Key to the total cost of the credit, the monthly repayments and the overall outlay for the RV is the interest rate. There can be significant differences in the interest rates offered on credit for recreational goods across the consumer credit market. This results from banks and credit companies setting their rates based on their own internal policies. While the [Reserve Bank](http://www.rba.gov.au "Reserve Bank") may set a cash rate, the overnight borrowing rate, lenders are free to set their own rates. Rates will also vary for individual applicants, based on lender assessment of each application in regard to credit risk and other factors. To get the best rate, buyers need to find the right lender. The lender that suits their requirements and profile. We save buyers time and confusion in this regard by quickly identifying which of our 80+ lenders best suits each customer. We then use our bargaining power to negotiate the best rate. Highlighting the key advantage of using an expert broker to source your RV credit. ## Improving Credit Position prior to Applying An individual’s credit history and record and current financial situation are integral to being offered the best rate. Individuals can take steps to improve their situation as outlined on [Moneysmart](http://www.moneysmart.gov.au "Moneysmart"). snlPrior to apply ## Requirements to Submit an Application The RV credit sector falls under the wider Consumer Credit area which is regulated through [ASIC](http://www.asic.gov.au "ASIC"). This means that applicant must be above the age of 18 and lenders are required to request certain information and details in the application. This information includes current and history of employment; residential history; income and other financials. Preparing this information prior to applying may speed up the approval process. ## Submitting an Application Applications for RV funding can be submitted online or over the phone with one of our brokers. There are no differences in any offer that may be made as a result of the means an application or a request for a quote is made. Using our convenient online resources allows buyers in all states and territories access to our personalised, low rate RV lending services. ## Applying for a Caravan Loan Before Deciding on Make, Model Buyers do not have to wait until after they have selected their RV to purchase and come to an agreement with the dealer on price. For greater certainty and clarity, buyers can apply and get approved beforehand, based on their estimate of amount to be borrowed. Buying a first RV can be an extremely exciting time as a step towards enjoying the great caravanning lifestyle. To ensure the funding process is equally enjoyable, contact Jade to arrange your credit. **For assistance with applying for a caravan loan and securing the lowest rates, contact Jade Caravan Finance.** *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.* **Categories:** Buying Tips --- ### [Loan Approvals Now Available for Newcastle Caravan Show Buyers](https://www.jadecaravanfinance.com.au/blog/buying-tips/loan-approvals-now-available-for-newcastle-caravan-show-buyers) **Published:** January 10, 2024 **Author:** Publisher **Content:** RV loan approvals, including caravan loans, are now available through Jade [Caravan Finance](https://www.jadecaravanfinance.com.au/ "Caravan Finance") for buyers looking to order at the 2024 Newcastle Caravan Show, SA Show and VIC Super Show. These first shows for the year are coming up fast and now is the time for genuine and ‘maybe’ buyers to get their credit approved. The RV market has been hot for several years and buyers with funding approval locked in, may get to the top of the order list and expedite delivery. Getting approved for RV credit does not come with an obligation to proceed. So, if a purchase decision is not reached while attending one of these shows, the offer simply expires. But if the purchase decision is made – those with approved funding can realise many benefits. The February shows cover three states and with our online and phone application services, buyers across Australia can utilise our expert services to secure the best rates and most suitable RV credit. To assist buyers, we provide information on the shows and details on the funding products available and the approval process. ## Newcastle Caravan Show, SA and VIC Super Show Details The Newcastle event is first up in February with gates opening 9am Friday 2 February and closing at 4pm Sunday 4 February. The venue is the Showground and Entertainment Centre with free parking both at the Centre and in the surrounding region. Pre-purchase of tickets online is essential and are available at the [event website](https://www.caravanexpo.com/ "event website"). Adult tickets per day $16, Children 16 years and under can attend free with an adult accompanying. The [South Australia Caravan and Camping Show](https://www.caravanandcampingsa.com.au/sa-show/ "South Australia Caravan and Camping Show") is on at Adelaide Showgrounds from 14 through 18 February at Adelaide Showgrounds. Gates open 10am through to 5pm daily. With this event, visitors can either pre-purchase tickets at the event website or purchase them at the gate with only cashless options offered. There is limited parking at the venue but good public transport connections are available. Later in February – from Wednesday 21 to Sunday 25, the RV industry focus turns to Victoria with Caravan, Camping and Touring [Super Show at the Melbourne Showgrounds](https://www.caravanshow.com.au/shows/the-victorian-supershow/ "Super Show at the Melbourne Showgrounds"). Gates open 9.30am each day and close at either 5pm or 6pm depending on the day. Parking at the venue is $25 per day. Tickets are only available online and are now on sale, $29.95 for adults. Stay across the event websites for exhibitor listings when they become available. Note which exhibits you’re especially interested and for those ‘must-see’ models, contact the representative ahead of time to see if an inspection appointment can be made. These events are extremely popular, attracting big crowds each year. Intentions can go awry on the day and having a plan, preferably with a site map, may ensure you don’t miss an inspection and the chance to order your preferred RV. ## How to Get Pre-show Caravan Finance Estimates While planning their way around the show, buyers can also use our [online caravan finance calculator](https://www.jadecaravanfinance.com.au/calculator "online caravan finance calculator") to start planning their RV funding. This tool allows potential buyers to calculate credit estimates for the details they enter. Enabling repayment estimates to be calculated for RV models in varying price ranges and for models with and without accessories and extras. While great for comparing models prior to inspection this is a very handy resource to have while attending RV expos. As an online tool, it can be used from devices with online connectivity, ie phones, and from anywhere that connectivity is available. ## Secure RV Finance for Newcastle Caravan Show Purchases Funding for RVs can be applied for and approved prior to a specific vehicle being selected, a price confirmed with the dealer or a sale being committed to. Buyers can apply to Jade ahead of time and have their funding approved on the basis of an estimated borrowing total. As most buyers will have a good idea of how much they plan to spend on their new RV, this is usually easy. Our brokers follow the same processes as they do when arranging funding after the purchase has been decided. Quick quotes and offers are sourced and when accepted, we process the application to the stage of being approved. The offer is then available for a certain timeframe, within which the buyer can choose to proceed or not, without obligation. With the dates of the upcoming expos, now is an ideal time to get approved. Pre-approved funding will attract the same interest rate as for post-purchase funding. Our same best rates would apply, based on lender assessment of the individual application and credit profile. Our [secured credit facility](https://www.jadecaravanfinance.com.au/secured-caravan-finance "secured credit facility") is the most popular for new RVs and very competitive rates and negotiated terms are available with this form of funding. A secured funding product suits all types of RVs – traditional models, camper trailers, toy haulers, off-road models, mobile homes, hybrids and campervans. So designated exactly what type of RV, what model, would not be essential to get credit approved ahead of time. Buyers can get approved and then attend the expo with an open mind as to exactly which model to order. **If planning to attend and order at the Newcastle Caravan Show, be prepared by contacting Jade Caravan Finance to get approved for the required funding.** *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.* **Categories:** Buying Tips --- ### [Caravan Loan Costs](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-loan-costs) **Published:** October 10, 2015 **Author:** Publisher **Content:** When seeking caravan finance it is important that you understand how much you can afford to offer your caravan and how much it will cost you in monthly repayments. If you overextend yourself you could find yourself in trouble, and may even having to part with your caravan, so take heed and make sure that you fully understand the finances involved. First, consider all the costs involved in purchasing and running your caravan. This can easily be done before actually purchasing it, and by going into the transaction knowing all the costs you will be more confident of you ability to maintain both the caravan and the payments – after all, what’s the point in buying a caravan if you can’t afford to run it? Here are the various costs that you should take into consideration: • The purchase price of the caravan • Monthly repayments of caravan finance • The interest you are paying • The cost of insuring the caravan • The cost of equipping the caravan • Camping Fees • Storage or garaging (including winter storage) The purchase price is fixed, of course, but how that is repaid depends on a number of factors. In fact the first two factors above are related in that they are combined to a set monthly sum that you must repay to the provider of your caravan finance. That monthly sum is related the following factors: • The interest rate applied • The term or period of the finance • The amount of finance to repay Use Our [caravan loans calculator](/calculator "Calculate Your Loan Repayments") For Different Repayments The interest rate is normally controlled by the lender, and our consultants with experience doing leisure finance every day understand where to go and if they can be negotiated. The term over which you pay can be negotiated, although the age of the caravan will have a bearing. Newer caravans can have up to 7yr terms offered. The amount of caravan finance you have to repay, or the capital or principal sum, is the purchase price of the caravan less any deposit you pay. The higher the deposit, the less interest applied and the lower the monthly payment. Let your Jade consultant know if you prefer to have no deposit lending or you prefer to put in a deposit. Then you have the insurance for the caravan – All secured lending requires that you have the goods comprehensively insured whilst under the loan agreement. Your caravan will have to be equipped and you will need gas cylinders for the cooker and heating and you may also have gas lighting. Then there are garaging costs – unless you have space on your property for a caravan you may have to pay for its garaging, particularly in winter months when it is less likely to be used. Talk to our specialists at [Jade Caravan Finance](/ "Explore Jade Caravan Finance Services") to help you be better informed of all costs. If you are comfortable with all costs through your whole camping experience it helps to make your camping experience a much better one. **Categories:** Loan Tips --- ### [Product Showcase: Kedron TopEnder®](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-kedron-topender) **Published:** March 5, 2016 **Author:** Publisher **Content:** ## Fully self-sufficient for outback adventures The TopEnder model from Kedron Caravans is a popular entry in the lists of top off-road caravan for many reasons. With an impressive list of standard features, both inside and out, it’s comfortable, friendly interior and the TopEnder is delivered ready for an outback adventure. ## Off-Road Ready The TopEnder has a uniquely designed hot dipped galvanised chassis of A grade steel for premium strength and 360 McHitch coupling which is rated at 6 tonne. The full aluminium wall frame has an upgraded thickness, which is interlocked with high-tensile steel punch pins and is welded with a one piece aluminium roof frame. It also features the company’s own unique independent suspension. Speak with [Jade Caravan Finance](/ "Start your caravan ownership journey with Jade Caravan Finance") to discuss a caravan loan package for your Kedron Caravans TopEnder. Your Jade caravan finance broker has access to an extensive selection of specialised [caravan loans](/ "Click here for caravan financial solutions") to choose the right caravan finance package to suit your specific requirements. Before speaking with a consultant, you are welcome to use our online [caravan loan calculator](/calculator "Calculate your caravan financing with our calculator") for an estimate of repayments and your Jade consultant can also assist with a pre-approved loan so you have your budget set before committing to the purchase. Contact Us Today 1300 005233 Air-bag suspension is standard as is a lithium 300 power pack, wall-placed front loader washing machine which frees up floor space, grey water tank with conveniently located gauge, surround sound system and air-conditioning. Just some of the many features which make the TopEnder a ready to go anywhere van, in a choice of exterior cladding colours. ## Friendly, Comfortable Interior Inside, the TopEnder has a welcoming décor and sensible layout with floor plans to cater for double bed, queen bed or two singles. Notable features include LED lighting and convenient downlights above both the dinette and lounge, large capacity 215 L fridge, stainless steel range hood, 24” TV and DVD player unit, water filter, leather upholstery, double-glazed windows, porcelain en suite basin and convenient USB charge points for all your electronic devices. ## Self-Sufficient Practicality Built for long, off-road trips, the TopEnder is fitted with three 100 L water tanks, wiring for a portable satellite and three 150 W solar panels. Outside, you have an external shower, roll-out awning, two 9kg gas bottles, heavy duty drop-down jack legs, triple lock security door and external power outlets for your accessories. ## Family Business Kedron Caravans has not only been an integral part of Australia’s caravan manufacturing industry, the company’s story essentially charts the history of the industry. Established in 1962, Kedron is still owned and run by the Gall family with a showroom in Kedron and factory in Brendale, Brisbane in Queensland and takes claim to the title as Australia’s longest established caravan centre. Three generations of the family work in the business, which has grown into one of the country’s most respected manufacturer and well-known identities on the caravan scene, thanks to their DVDs and You Tube videos. Kedron film their road tests in very rugged outback terrains and produce DVDs of their adventures which can be viewed on You Tube and purchased as entertaining DVDs and proof that Kedron Caravans actually deliver on their promise of performance and quality for even the most adventurous journeys. **Categories:** Caravan Buying Articles --- ### [Holiday and travel plans interrupted? Getting on with that caravan purchase](https://www.jadecaravanfinance.com.au/blog/caravan-tips/holiday-and-travel-plans-interrupted-getting-on-with-that-caravan-purchase) **Published:** October 23, 2023 **Author:** Publisher **Content:** Without doubt and almost without exception, it has been a disruptive and unpredictable time for individuals and business owners across Australia. With COVID outbreaks popping up in multiple states intermittently, millions of Aussies have been in and out of lockdown or under some form of health order restrictions for a period over the past few months. Restrictions which have interrupted many holiday and travel plans. But instead of focussing on what we can’t do and where we can’t go right now, why not give yourself a mood boost and a move forward by getting on with those plans and securing the [best caravan loan interest rates](/interest-rates "Unlock exclusive deals on caravan financing") for future adventures? If you had put your caravan buying plans on the back-burner while awaiting the outcome of the COVID situation in your area, now could be the time to move those plans to the hot plate. Sales of caravans have soared in the past year or so as many more people look to enjoy the appeal and carefree lifestyle of this type of holiday and travel as an attractive alternative to unavailable overseas travel. With demand high and COVID restrictions in and out of play, supply of new caravans and camper trailers has been under pressure across the country. Waiting any longer to make your purchase may mean missing out for much longer than you think. With soaring sales and manufacturers struggling to meet demand, buyers can face extended wait times. Melbourne is a major caravan industry manufacturing hub and many may have experienced shutdowns with the latest Victorian outbreak We want our customers to be in their caravans and on the road as soon as is permitted and possible. So we encourage those looking to buy to get moving with finance and ordering, even if you are in lockdown. A lot can be done from home using the online resources and services available both from ourselves and from the caravan manufacturing industry. ## Where and How to Buy Many new buyers and upgraders flock to the annual caravan and camping shows to see in person, multiple new models in the one place. Armed with tools like the [camper trailer finance calculator](/loan-calculator "Determine your camper trailer loan affordability"), they can assess affordability on the spot. Several of the big shows were held earlier in the year which gave buyers a great chance to inspect the new offerings from many suppliers. It was reported that some manufacturers were advertising ‘For Immediate Delivery’ on some models at the shows while there are other reports of long waits. So buyers need to have a plan to secure their vehicle. Buying Tips:- - If timing is a priority for you, shop around for delivery times as well as specs, features, inclusions and price when comparing caravans. Some manufacturers may be in a position to deliver faster than others. - Don’t wait to order. Get in as quickly as possible to ensure your order is in the queue. - Refer to dealer and manufacturer websites. Many have provided comprehensive and informative sites and dealerships tend to have good nationwide coverage. - To find where to look refer to accredited caravan manufacturers with the industry association. - Arrange your finance as a priority so you have confidence to place the order. See below for our cheap interest rate pre-approved caravan finance service. Make a plan and act on it, so you’re ready to hit the road as soon as possible. ## Finance Options Loans are available for the purchase of all types of caravans including traditional models, off-roaders, hybrids, mobile homes, camper trailers, camper vans, RVs, toy haulers and other variations. While lenders will take into consideration the age and condition of used caravans when making finance offers, the type of vehicle being purchased does not as such impact the [finance for caravan](/ "Choose reliable caravan finance services") type of loan. Not all banks and finance companies advertise a specific caravan loan as we do. As specialists in this sector, we provide a Secured Caravan Loan which has been structured and tailored to suit this type of purchase. Lenders that do not advertise a specific loan may include caravan loans in a more generic secured personal loan category. We’ve made it easy to compare what major lenders offer what loans for caravans with our Lender Comparison Calculator. You can easily see the details of the loans for caravans offered by a range of banks and finance companies including Jade Caravan Finance. By entering the amount you are seeking for your loan and term, the calculator automatically displays the monthly repayment estimate across the lenders. Finance Tips:- - Interest rates are the key determinant for repayments. The cheaper the interest rate, typically, the cheaper the repayments. Refer to the Comparison Rate repayments as these include some fees and charges. - Varying the loan term changes the repayment amount. The shorter the term, the lower the repayments, less interest payable in total and the sooner the caravan is owned outright. - We allocate a personal loan consultant to each customers so all aspects of your loan are fully handled by a lending expert. This includes negotiating on achieving the cheapest interest rate, preferred loan term and any special conditions. - When ordered at the time of purchase, we can in many instances, included options and extras associated with the caravan in the loan amount. Consider what you need and ask the dealer to include those costs in the total invoice. - Pre-approved caravan loans are available across our portfolio. This is a great way to go as it allows buyers to know in advance how much they are approved for and therefore seek a caravan to suit their budget. Our same interest rates apply to pre-approved loans as to loans that are source after purchase. If our customer decides not to proceed, there is no obligation attached to a pre-approved caravan loan. - Our loan service is conducted completely via online and phone communications so our customers have access to all our services and cheap caravan finance from wherever they are located and whatever the health orders at the time. There is no real need to leave home to source caravan finance or order your caravan. So why not get moving on those caravan plans and be ready to take-off as soon as restrictions in your area allow. **Call 1300 000 003 to discuss a caravan loan with a Jade Caravan Finance consultant** *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.* **Categories:** Caravan Tips --- ### [Get caravan finance approved for Rosehill Caravan Supershow](https://www.jadecaravanfinance.com.au/blog/loan-tips/get-caravan-finance-approved-for-rosehill-caravan-supershow) **Published:** March 20, 2023 **Author:** Publisher **Content:** As the gates prepare to open in just a few weeks, now is the perfect time to secure caravan finance through [Jade Caravan Finance](/ "Caravan Finance | Low Interest Caravan Loans - JADE") in preparation for the Rosehill Caravan Supershow. The show organizers have released the exhibitor list, enabling potential buyers to review the attending manufacturers and begin creating a wish list. Please note that tickets must be pre-purchased and are now available for sale. The Supershow is the largest event for the caravan industry in Australia, attracting thousands of visitors over six days. This means significant competition for popular makes and models. Securing finance in advance places buyers in a prime position to act quickly, secure their desired order, and expedite delivery. With over 260 exhibitors in attendance, there is no shortage of choices. Thorough pre-show research and planning are crucial to a successful experience. Knowing which manufacturers and models to see, locating them on the floor plan, previewing new models online, and having caravan finance secured in advance can lead to a more streamlined and fruitful show experience. Securing finance beforehand may also result in savings. Many exhibitors offer show specials that only those ready to buy can take advantage of. ## Caravan Supershow Details The event will run for six days, from Tuesday, April 18th, to Sunday, April 23rd, with gates opening at 9:30 am each day. The venue is the Rosehill Gardens Racecourse, which offers convenient road and public transport connections and on-site parking. Tickets can be purchased on the event website, with one-day passes priced at $25 for adults and concessions. Multi-day pass discounts are also available. In addition to approximately 260 exhibitors covering caravan and camping, the Caravan Supershow features an exciting line-up of entertainment for all ages. Activities include cooking demonstrations with celebrity chef Fast Ed and a children’s play area. Expert speakers like Pat Callinan will be on hand to share tips and experiences on live stages in the entertainment zone. Callinan will be appearing after recently completing filming for his latest series, Pat’s 4×4 Adventures. Owners and prospective buyers can benefit from daily seminars delivered by experts on topics such as Remote First Aid, Towing, and Must-Haves for new caravan owners. ## Rosehill Caravan Supershow Exhibitors For serious buyers, planning begins with reviewing the exhibitor list and gathering information on new models before attending. Some manufacturers will provide information on their websites about new models they plan to release at upcoming shows. The Supershow is a massive showroom of caravans, featuring multiple brands and options. This makes it easier for buyers to compare features of different makes and models by revisiting their shortlisted options’ stands. Exhibitors include [Bushtracker](https://www.bushtracker.com/ "Offroad Caravans for Sale | Custom 4WD Caravans | Bushtracker Australia"), [Supreme](https://www.supremecaravans.com.au/ "Caravans for Sale Melbourne, New Caravan Manufacturers Australia"), [Majestic](https://www.majesticcaravans.com.au/ "Your Great Escape | Jayco Australia"), [Jayco](https://www.jayco.com.au/ "Your Great Escape | Jayco Australia"), [Adria](https://www.adria-mobil.com/ "Adria Mobil"), Sunliner, JB Caravans, Lotus Caravans, Essential Caravans, Frontline Campervans, Horizon Motorhomes, Winnebago, Stoney Creek Campers, Millard, Crusader, Avida, Cub Campers, Blue Tongue, Emu RV, Fantasy Caravans, Masterpiece, Patriot Campers, Red Centre, Signature Campers , Trakka, Vagabond, VW Campervans, and many more. This provides ample opportunity for buyers to research and inspect the models that interest them the most. ## Calculating Rates and Getting Approved for Caravan Finance While at the show, if you have not yet secured pre-approved caravan finance, utilize the [caravan finance calculator](/loan-calculator "Caravan Loan Repayment Calculator | Jade") to help convert quoted purchase prices into estimated loan repayments. Many manufacturers offer finance to buyers. However, it is important to consider that securing finance through [Jade Caravan Finance](/ "Caravan Finance | Low Interest Caravan Loans - JADE") beforehand could represent significant savings due to their focus on achieving better interest rates. There is no obligation if you decide not to proceed. Obtaining pre-approved caravan or [camper trailer finance](/camper-trailer-finance "Secure Your Camper Trailer Financing") with Jade is a simple and quick process. Each customer is assigned their own consultant. The application process is the same as when applying for finance after making a purchase commitment, with the key difference being that the exact loan amount is estimated rather than specific. These details, along with the specifics of the caravan, are finalized once known, and the finance is confirmed. Pre-approved finance has a time limit, but there is no issue if it is not utilized by the expiry date. The real problem arises if you decide to buy at the Caravan Supershow but do not have finance sorted. Do not risk missing out on limited editions and short supply vehicles. Speak with Jade Caravan Finance today. To get approved for caravan finance before the Rosehill Caravan Supershow, contact Jade Caravan Finance at 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.* **Categories:** Loan Tips --- ### [Product Showcase: Paradise Castaway Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-paradise-castaway-caravan) **Published:** August 12, 2018 **Author:** Publisher **Content:** Motorhome maker moves into caravan market. The [Paradise Castaway](https://paradisemotorhomes.com.au/ "Paradise Luxury Motor Homes") is the first caravan model release from renowned motorhome manufacturer, Paradise Motorhomes. A first that is worthy of a second look! Paradise has utilised its wide experience in building luxury mobile living vehicles into every aspect of the Castaway Series, presenting a 21 ft model with stylish interior, streamlined exterior and equally impressive chassis and body engineering ## Castaway Series Features This 21 ft model with sleeping facilities for 4 utilises the company’s signature aerodynamic front design and low line checker plate protection and features a striking two tone colour scheme. Inside, the layout is out of the ordinary with the kitchen bench mid-way and the fridge and microwave opposite to create a free-flowing feel and easy corridor access. An amazing feature is the inclusion of a 1.9 m permanent island bedroom slide-out which creates allowance for the wardrobe, an impressive 175 cm, on the other side and full-width ensuite bathroom at the rear. The bed has an easy-lift feature to access the under-bed storage.The washing machine is located in the bathroom, with separate shower and toilet. The ensuite has an odour extraction system and privacy features. Paradise Motorhomes are known as makers of luxury mobile living vehicles and the Castaway Club Lounge follows the company line. Leather hi-backed seating is spacious, comfortable, perfect for relaxation and can convert to a bed if required. One of the key features of the Castaway is the company’s use of composite panelling on both the floor and walls which ensures quieter living and the curved roof enables better water run-off and makes it hail-proof. Interior inclusions include: LED lights, vinyl flooring, eco-friendly air conditioning, combi hot water and heating, 100 L fresh and 100L grey water capacities, storage under the lounge seating, overhead and massive wardrobe, four burner cooktop, rangehood and stainless steel sink and ultimate luxury – you can lay in bed and watch the TV! On the outside, the Castaway include ESC Stability Control, 15” alloy wheels, independent coil spring suspension and EBS. ### **Innovators of Mobile Living** With an impressive range of award-winners and reputation for innovation, Paradise Motorhomes has built not only an outstanding range of models but an enviable reputation. The company name is synonymous with innovations in design, including their introduction of island beds, widening the cab to increase the living area and rear ensuite layouts. Innovations of such great significance, the company took out copyright on their designs and layouts. Based on Queensland’s Gold Coast, Paradise Motorhomes as a firm commitment to continued research and development into construction features and materials and to the Australian market, having expanded to a larger facility to enable faster production times and delivery. If you dream of a Castaway, speak to a Jade [Caravan Finance](/ "financing motorhomes") Consultant to organise your loan. Why not speak to us before you head to the dealership to organise a pre-approved loan. Either call 1300 000 003, request a [caravan loans quote](https://www.jadecaravanfinance.com.au/rv-finance "financing motorhomes") online or use our [caravan loans calculator](/calculator "financing motorhomes"). **Categories:** Caravan Buying Articles --- ### [Impact of RBA Increasing Interest Rates on Caravan Finance](https://www.jadecaravanfinance.com.au/blog/uncategorised/impact-of-rba-increasing-interest-rates-on-caravan-finance) **Published:** May 15, 2023 **Author:** Publisher **Content:** **With the caravan show season and buying time underway, RV buyers may reconsider their finance options due to the latest interest rates increase.** Buyers may have yet to finalize purchases made at the Sydney Supershow, and the Queensland Supershow is less than a month away. With no pause but a May decision by the Reserve Bank of Australia (RBA) Board to lift interest rates may have many buyers experiencing their pause and reconsidering the Caravan loans and seeking cheaper RV finance sourced through Jade Caravan Finance. The May decision did come as a surprise to many, especially in the financial markets. With the latest inflation figures for the March Quarter from the [Australian Bureau of Statistics](http://www.abs.gov.au/) revealing a further drop and following the interest rates pause in April, another pause was looking certain to many. However, the RBA considered the persistently high inflation rate in services prices and the fact that at 7%, inflation was still too high as key reasons for a further increase. Dr. Philip Lowe, Governor of the RBA, said that the outlook, not reaching the upper end of the target – 3%, until the middle of 2025, is too long for high inflation to continue. The Board is committed to returning inflation to target and sees that the pace to achieve that objective must be quickened. The 0.25% interest rate will impact most lending areas, with potential increases in caravan finance rates for some lenders in the RV market. Buyers concerned about their financial prospects are assured that we are committed to sourcing cheaper interest rates for buyers of all types of RVs. ## RBA May Monetary Policy Decision – Main Messages As mentioned above, the main theme in the [statement](https://www.rba.gov.au/media-releases/2023/mr-23-10.html) announcing the RBA Board’s May decision is returning inflation to the target sooner. The current forecast is for inflation to fall to 4.5% in 2023 but not to 3% until the year after next. In deciding on a further rate rise, the Board outlined the negatives if high inflation rates were to become entrenched. These included the harm many would experience, the necessity for even higher interest rates, and higher unemployment. Main messages: – - Goods inflation is easing, but services inflation remains at levels considered too elevated. - While costs of labor are increasing, there is slow productivity growth. - Provided a rise in productivity is realized, wage growth is in line with the target for inflation. - The Board is still at the possible risk of a price-wages spiral. - The priority is still to return the current high inflation rate to the 2-3% target and keep the economy on an ‘even keel.’ The narrow pathway to achieving this objective was again mentioned. - The outlook for growth in the economy is still ‘below trend.’ In 2023 growth of 1.25% is expected, and 2% by the year after next. - As a result of the high-interest rates and high inflation, there is a slowing in demand as Australians experience cost of living pressures. - Uncertainties remain around demand and issues in the global economy. Services inflation internationally is also very high, which could be the experience in Australia. - More interest rates could be needed to drive inflation down over a shorter timeframe. On the evening of the May rate decision, Dr. Lowe elaborated in remarks at the Reserve Bank Dinner in Perth. Singling out the prices for energy, education, healthcare, and hospitality as staying very high. Dr. Lowe reiterated that the rate pause announced in April was to provide the Board with additional to obtain updated data. Now available and assessed, that data warrants the 0.25% cash rate increase. Australia was taking more time than some economies to drive inflation down. Dr. Lowe pointed out that this was because the Board was looking to keep the gains achieved in the employment area. While remarks at the dinner provide further insights into the May decision, specific details of what options were discussed will become available with the release of the minutes on 16 May. ## Caravan Finance Impacts The cash rate which the RBA Board determines is a lending rate for banks and other lenders and essentially a cost of lenders acquiring funds. Changes to the cash rate impact lender costs and are typically passed onto customers in increases or decreases in lending rates. Following the May increase, it would be expected that at least some of our lenders would increase their [caravan finance interest rates](/secured-caravan-finance "Find out about our low-rate caravan finance options") on some loan products. But there will be variations, with some lenders offering better rates than others. Some lenders expecting the rate rise might have priced that forecast into their rates before the RBA decisions. With 60+ lenders, we can quickly assess a large section of the RV lending market and source the cheapest [RV Loan rates](/interest-rates "Access attractive RV loan rate options") to suit individual customers. **Following the latest RBA rate rises, buyers can still secure cheaper interest rates through Jade Caravan Finance 1300 000 003.** *DISCLAIMER: THE DETAILS AND INFORMATION IN THIS CONTENT ARE PREPARED AND PRESENTED PURELY FOR INFORMATION AND ARE 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.* **Categories:** Uncategorised --- ### [Get RV Finance Approved for Queensland Caravan Show](https://www.jadecaravanfinance.com.au/blog/uncategorised/get-rv-finance-approved-for-queensland-caravan-show) **Published:** May 15, 2023 **Author:** Publisher **Content:** RV buyers that missed the chance to purchase at last month’s Sydney Caravan Supershow may now look to the Queensland Caravan Show for great buying opportunities. The Let’s Go [Queensland Caravan and Camping Supershow](https://www.caravanqld.com.au/show/lets-go-queensland-caravan-camping-supershow/ "Discover the excitement of the Queensland Caravan and Camping Supershow") will be held from 6 to 11 June at the Brisbane Showgrounds. The show will include: - Many of the latest models available across the spectrum of recreational vehicles - The very popular masterclass sessions And plenty more! The event is a great showcase of traditional caravans, campers, motorhomes, campers, campervans, and hybrids and an ideal opportunity to compare different brands and individual models easily. The show can also allow buyers to place their orders and start delivery on the day. But being able to commit to a purchase usually means buyers will need to have their caravan loan already organized. Buyers that get RV finance approved before attending a show with intentions to order are well-prepared with the resources and information required to buy. They know what amount they are authorized to borrow and can narrow their inspections to vehicles in that price range. They see the interest rate that will be charged on their loan and what monthly repayments will be required. With the latest interest rates rise from the RBA, buyers may not be sure about the current rates in the market. By getting approved for RV finance with Jade Caravan Finance, buyers will know their rate and repayments and be a big step ahead in securing the RV they choose with confidence and the assurance that no obligation is involved if they have changed their mind. Take a few minutes to learn more about our pre-approved RV finance and how it may assist you with your caravan-buying process. ## Getting RV Finance Approved Pre-Show **Purchasers can get RV finance approved in the June Queensland Caravan Show run-up through Jade Caravan Finance for all types of RVs at cheaper rates.** The steps and procedures for getting approved before purchase are essentially the same as applying for a loan after making the buying commitment. Our [Secured Caravan Loan](/secured-caravan-finance "Unlock the benefits of our secured caravan financing") will be the most suitable loan type for new and used RVs in good condition for most buyers. It suits all types of RVs – traditional caravans, off-grid and off-road, hybrids, camper trailers, toy haulers, motorhomes, and campervans of all sizes and levels of luxury. The application form has the same criteria and requirements designated under Australian Consumer Law as regulated through [ASIC](http://www.asic.gov.au/). The RV loans interest rates are offered based on an assessment of the individual application. That process is the same regardless of when the application is made – before or after a buying commitment. Lenders will advertise their best rate for new RVs and applicants with a good credit rating. The finance total requested also forms a part of the application assessment process as it goes to risk. We do offer no deposit RV finance, subject to lender approval, so buyers do have the option of borrowing the full amount of the purchase price. The exact purchase price is not usually known when applying for finance before purchase. It may not even be able to be quoted exactly by the dealer at the caravan show. RV buyers are typically offered many options when buying a new caravan, which is where researching the [best RV loans](https://www.jadecaravanfinance.com.au/rv-finance "Click to find the perfect RV loan") becomes crucial. The extras, upgrade packs, and other accessories are added to the base price. Registration, which may be included in the purchase price, can also vary from state to state. When applying for pre-approved RV finance, it is recommended that applicants estimate how much they may need for the loan, including an allowance for those extras. The total will be adjusted when we finalize the loan based on the dealer invoice. It may be better to over-estimate receiving an offer than under-estimate and then face a higher repayment when the application is finalized. Our consultants can, in many cases, include a wide selection of extras in the loan. These may include upgrade packs, extra awnings, more or larger water tanks, additional solar panels, more luxurious finishes, and others. When the finance is approved before purchase, it will have a validity period. The loan offer needs to be accepted and activated before that time. Buyers can do their pre-show research to see what models they are interested in and source rough purchase prices to allow for getting approved and prepared before arriving at the event. ## **Queensland Caravan Show Details** The show is on from Tuesday 6 through to Sunday 11 June. Gates open at 9 am daily and close at 5 pm Tuesday, Wednesday, Thursday, and 6 pm on the weekend. Tickets can be purchased online or at the gate. Parking details are available on the event website. Over 200 exhibitors are set to showcase their products. We’ll look closely at what to see at the show in an upcoming blog. Meanwhile, prospective buyers can contact us to discuss their financial requirements and options. **Contact Jade Caravan Finance to get approved for RV finance before the Queensland Caravan Show.** *DISCLAIMER: THE DETAILS AND INFORMATION IN THIS CONTENT ARE PREPARED AND PRESENTED PURELY FOR INFORMATION AND ARE 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.* **Categories:** Uncategorised --- ### [Caravan Loan PreApproval](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-loan-preapproval) **Published:** September 24, 2015 **Author:** Publisher **Content:** When you’re ready to purchase a caravan, it’s important you consider the entire process, including securing a [loan for caravan](https://jadecaravanfinance.com.au "Get started with caravan financing today"), before committing to buying one. That’s because there’s a huge financial commitment needed with any major purchase – your new caravan included. Before you head to the nearest dealership, make sure that you’ve taken the following five steps to improving your credit before the application process. ### 1) **Make sure your credit report is accurate** You can [request a report here](https://www.veda.com.au/). Inaccurate information on your credit report can directly impact your approval on your caravan financing; especially if there are delinquent accounts or missed payments. Make sure you take the time to review everything listed in your file and check to ensure that they’re actually part of your history. If you notice anything irregular, contact the reporting department and file a dispute. ### 2) **Improve delinquent accounts** Lenders look for a solid credit history, frequent payments and a trustworthy candidate when approving your caravan financing. If you have any accounts on your credit report with a blemished payment history, you’ll want to work on catching them up before applying. Make sure all payments are current and following your repayment schedule to improve your caravan financing. ### 3) **Evaluate your monthly budget honestly** Before you purchase a caravan that is beyond your financial means, take the time to consider how much your family can afford to pay in monthly installments. Start by breaking down your budget into mandatory needs and any additional income that’s unaccounted for. Make sure that the payment of your caravan financing isn’t going to put a strain on your budget, especially if your employment situation changes throughout the duration of the loan. ### 4) **Talk to a Caravan loan specialist** Before making the commitment of a new loan, make sure you take the time to talk to a caravan loan specialist, like Jade Caravan Finance. Your loan specialist will help you understand the entire application process, including any fees, charges and loan terms with you ahead of time. A caravan finance specialist will also provide a credit quote, which you can review prior to committing to the loan. If you’re unsure of anything, make sure you take the time to ask and clarify at that time. ### 5) **Show financial stability** Banks and lending companies like to see stability when it comes to caravan financing – which includes your employment history and ability to keep money in the bank account. Make sure you take the time to start putting some money away each month, even if it’s not a considerable amount. It’s also important to make sure that you can show the lender a frequent and consistent salary too, whether it’s a weekly cheque or a monthly instalment. Although you don’t always have to maintain perfect credit to get approval on your caravan financing, improving your overall financial health can help you receive lower interest rates, higher approval amounts and most importantly – a more positive experience dealing with the institutions trying to help you get into a new caravan. **Categories:** Loan Tips --- ### [Tips For Leisure Loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/tips-for-leisure-loans) **Published:** October 3, 2015 **Author:** Publisher **Content:** If you want a new motorhome, a caravan for camping, or just want to go on a great holiday, getting a leisure loan can provide the bridge financing you need. However, doing your homework on the [caravan loan interest rate](https://jadecaravanfinance.com.au/interest-rates "Access our affordable caravan loan interest rates instantly") before approaching these lenders can ensure a quick and easy process; this also gets you an assured outcome. Fail to follow these easy tips and you could be refused your loan. ## House in Order One of the biggest things lenders look for is that you have your ‘financial house’ in order. Part of ensuring you are ready for a leisure loan is making sure you are attractive to a lender. One of the first things they will look for is that you are employed in a stable job for a certain amount of time. If you want to be approved, you will need to be employed. ## A Good History Along the same lines as having your financial house in order is also having a good credit history and current means to repay the loan. If you have a great credit score, with some extra savings, there is a much higher chance that you will be approved for a leisure loan. If you want to look the best to a lender, make sure you get a credit report and remove any mistakes that may be on the report. ## Quality Assets If you are looking to secure your leisure loan with a personal asset, the lender will be looking for an asset that has residual value worth the amount of the loan. Property ownership show great value but this could also be Shares, Savings, or Business assets. At [Jade](https://www.standard.net.au/story/8264929/jade-finance-aims-to-become-australias-premiere-loan-broker/) we say forget the guess work. Our consultants have years of experience doing these style of loans everyday. They work for you to provide all the necessary facts and information so you feel understand and feel comfortable where your [new caravan finance](/new "Explore Our New Caravan Finance Options") is getting approved. Call Jade Today on 1300 000 003 Need more information on [Who Is Jade](/why-use-jade "Learn More About Jade Caravan Finance") **Categories:** Loan Tips --- ### [Caravan Finance Broker Benefits](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-finance-broker-benefits) **Published:** October 10, 2015 **Author:** Publisher **Content:** There are many reasons to seek financing these days, and a good finance broker is essential when you desire to experience a loan process that is simple, quick, efficient and virtually seamless. With so many of our day-to-day activities being quite stressful, isn’t it nice to know that obtaining a loan doesn’t have to be? There are a number of types of loans available today and the pros and cons of each can get quite confusing. Not only that, but what might make sense for one person does not necessarily make the same sense for another person’s financial situation. The thing is, most of us do not have the time to learn all the intricacies of the finance business, and leave it to others to keep us right on the benefits and disadvantages of the options available to us these days. There is so much regulation now in comparison with bygone days, that it is little wonder that many of us slip up and fail to secure adequate insurance on our vehicles. Is that our fault? Absolutely not, and just as we don’t expect others to be expert in the jobs that we do, we should not be expected to understand every nuance of the finance industry, including [caravan finance rates](https://jadecaravanfinance.com.au/interest-rates "Navigate Caravan Finance Options "). Yet we are! Ignorance is no defense, or so they say. Does that mean that I should be able to prosecute anybody that has no knowledge of my expertise? I wish. Yet there must be an answer to the understandable ignorance of ordinary people of an industry that is becoming more complex by the year. Instead of struggling with this all alone, wouldn’t it be nice to know that when you apply for a loan you could have someone throughout the entire process to guide you every step of the way? And wouldn’t it be even nicer to know that this person could also help you to save money? Listed below are 5 things that will help you save money when you use a caravan finance broker: 1\. A broker can quickly and efficiently research all the various loan options that are available to you and make comparisons of each loan. Whereas it might take you days, weeks or even months to seek loan information from all the various lending institutions, the broker can accomplish this in a very short period of time with virtually no work on your part other than the initial application process. This, of course, saves you a great deal of time and time, of course, is money. 2\. The best interest rates can be researched effectively by the loan broker and any advice you may require will be provided to you. The expertise of the broker will provide you with any information that would benefit you in obtaining the very best rates possible. Again, the better the interest rate, the more money you will save over the life of the loan. 3\. The broker can provide you with details on the advantages and disadvantages of the fixed loan versus the variable personal loan and how one or the other might be the most financially advantageous for you in your particular financial situation. You can find out the effect of various loan terms on fixed and adjustable loans. 4\. When using a broker like Jade Caravan Finance you are provided with an experienced broker in leisure goods lending. They deal with caravan loans every day. In short, there is no question that a loan broker serves as a valuable resource for you when seeking a camper loan. Rather than struggling with obtaining information from a number of sources, you can simply go [Jade Caravan Finance Broker](/ "Your Trusted Advisor for Caravan Loans") and get everything you will need to make your loan approval process simple and easy. This one-stop centre keeps you from having to spend an enormous amount of time and energy on getting the financing you deserve. All finance brokerage companies are [licensed with ASIC](http://asic.gov.au/for-finance-professionals/credit-licensees/applying-for-and-managing-your-credit-licence/faqs-getting-a-credit-licence/) and have to abide by a number of regulations. More info on this can be found here. **Categories:** Loan Tips --- ### [Refinance Your Caravan Loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/refinance-your-caravan-loan) **Published:** April 16, 2020 **Author:** Publisher **Content:** One of the biggest disappointments for a lot of people in this [coronavirus environment](https://www.health.gov.au/news/health-alerts/novel-coronavirus-2019-ncov-health-alert/coronavirus-covid-19-current-situation-and-case-numbers) is the halt to their caravan [holiday](http://caravanqld.com.au) and touring plans. With the caravan essentially hibernating in the driveway, backyard or storage unit and many household budgets feeling the pinch, [refinance caravan loan](/caravan-refinance "Refinance your caravan loan") might be an option. Apart from easing budget and cash flow pressures, another major reason for people seeking to refinance a range of loans is the current historic low levels of interest rates. ## **How does refinancing work?** Refinancing involves establishing a [new caravan loan](/new "Secure Your New Caravan") for the balance on your existing loan. You are paying out the existing loan and taking out a new loan on the balance. Your Jade Caravan Finance consultant approaches the process in a similar way as setting up new caravan loans: using our wide range of banks and lenders to source you the best loan offer with the [cheapest caravan loan interest rates](/interest-rates "More Information On Rates"). ### **What can you achieve with refinancing?** If you existing caravan loan is based on a fixed interest rate which is considerably higher than current rates you may: - Reduce your fixed repayments while retaining the same loan term, ie number of years remaining on your loan. - Maintain the same repayment level but shorten the loan term, ie payoff the loan earlier. - If you are in a better financial position than you were when you set up your existing loan a new lender may impose less restrictive conditions to your refinanced loan by way of offering a better interest rate or terms. ### **What costs are involved?** - The usual expenses associated with establishing a caravan loan will usually apply. - You should consider any fees and charges which may be applied by individual lenders. Your Jade consultant can provide you with a total cost of your loan so you can compare with your existing loan to make an informed decision. - Break fees apply to most loans when the loan is paid out early, which essentially is what you are doing when refinancing. Your Jade consultant will work to minimising these costs for you. #### **What should I consider?** There are a number of issues to consider in regard to refinancing your caravan loan: - The historic low levels of interest rates. Where your existing loan is at a higher rate than the current rate this may be a strong motivator. But this must be balanced with any costs involved as mentioned above. - Your payment history: if you have or have not been repaying your loan on time and as such how lenders will view your payment record. - Your income pre, during and post the coronavirus crisis. If your income has been reduced and you are currently on JobSeeker or JobKeeper and your prospects of returning to your full/usual income levels in what timeframe will be considered by lenders. - Your hardship status will be considered. If you have applied for a 6 month deferral of repayments on your caravan or any other loan, this may be taken as an indication of hardship by some lenders. While we have been informed that deferrals due to coronavirus impacts will not negatively impact credit records and scores, it may be considered by lenders. - The value of your caravan. Depending on how long you have had the van and if it was new or used when purchased will affect its current value and that will influence lenders. #### **What should I do if I want to refinance?** If you have considered all the points we have mentioned and would like to proceed with refinancing your caravan: - Head to our [Caravan Finance Calculator](/loan-calculator "Calculate Loan Repayments") and use the interest rates we are advertising today to calculate a rough repayment estimate on a loan for the balance on your account. - You may call your lender and ask for a payout figure on your existing loan so you know what the amount of your new loan will be. - If you feel you need expert advice, contact your financial advisor for a full appraisal of your overall financial position. - Contact Jade Caravan Finance and get the process started. As with all our loans, we will provide you with a quote on your refinanced loan and there is no obligation to accept that offer or proceed further if you consider that the outcome will not benefit your overall financial situation. **If you would like to discuss refinancing your caravan loan, please contact a Jade consultant for a confidential conversation. Call 1300 000 003** **Categories:** Loan Tips --- ### [Out of lockdown Caravan Ideas](https://www.jadecaravanfinance.com.au/blog/loan-tips/out-of-lockdown-caravan-ideas) **Published:** May 3, 2020 **Author:** Publisher **Content:** Caravan and holiday parks across the country were some of the first businesses to be closed during the coronavirus pandemic. Many people enjoying extended caravan tours were forced to pause their travel plans and return home and thousands of families had to holiday at home during the Easter school holiday period. Our fabulous Aussie holiday parks have been empty and lonely places during lockdown and owners will be very much looking forward to welcoming back guests from across the country as soon as travel restrictions are lifted. In some jurisdictions, getting back on the road in your RV, van or camper trailer is already a reality and for others – as that curve continues to flatten – it’s time to put your plans into action. If you want to upgrade to a new caravan or buy your first RV, camper trailer or caravan, now is the time to get yourself organised so you and your vehicle are ready to leave town as soon as your dream destinations are open for visitors. ## **Organise Your Caravan Finance** It can be useful to organise your caravan loan as a priority over selecting your vehicle. If you haven’t taken a [loans to buy a caravan](https://jadecaravanfinance.com.au "Get a loan for your caravan"), RV or camper trailer before, you may not know what sort of loans are available. You have little idea of what your repayments on a particularly make or model might be. So knowing in advance what your finance commitments will be, can make it a lot easier to select the van. It gives you peace of mind and confidence if negotiating a better price with a seller. There are a few ways to go about this: **Using our caravan finance calculator:** we have provided a [caravan finance calculator](https://jadecaravanfinance.com.au/loan-calculator). This allows you to calculate a rough estimate of what your repayments may be on certain vehicles. Just input the data – purchase price, loan term you want, our current interest rate – and a repayment estimate will be displayed. This is of course an estimate only as the calculator cannot predict what fees, charges or conditions may apply to your specific purchase and application. There is also no indication of a loan offer or approval. But it is a great resource. **Organising pre-approved finance:** our consultants can organise an approved caravan loan so you are well-sorted before you start discussions with a dealer, manufacturer or seller. You simply provide the information required to our consultant and they will proceed to source you the cheapest caravan loan offer available. On your acceptance, they will then process your loan to the approvals stage. You’ll know that you have the finances and can proceed confidently with your purchase. There is no obligation to proceed with a pre-approved loan if you change your mind. ## **COVID-19 Lending Scenario** The coronavirus pandemic has had a serious economic impact across the world and the financial sector has not been spared. But we are pleased to advise that after some initial difficult scenarios with our lenders, the situation has greatly improved for many of our customers. With such a demand for relief and support in the initial stages of COVID-19, many banks and lenders reacted by tightening their lending guidelines, making it slightly more difficult to source great loan deals for some of our customers. But as governments have eased restrictions, the lenders have also. We’ve seen a much better lending scene emerge especially for no docs and low docs borrowers. No docs and low docs borrowers are those that do not have all the paperwork and financial records that are usually required in order to secure a caravan loan. This can arise due to a range of circumstances. Fortunately, some of our key lenders are now offering no docs and low docs loans so we can assist our customers with great loan deals. Interest rates are always in the news and most people are aware that they are at historic low levels at the moment. Based on recent statements by the Reserve Bank, they are not intending to reduce rates any further. From our perspective, that means we do not expect lending rates to dip lower than they are now. Bottom line for those seeking a caravan loan – the conditions are the best they have been in a long time, so now is the time to act and start ticking items off your bucket list. For individuals purchasing a caravan, RV or camper trailer the most popular loan option is [Secured Caravan Loans](https://jadecaravanfinance.com.au/secured-caravan-finance "Low interest secured caravan loans"). This has a fixed interest rate, fixed monthly repayments and fixed loan term with the option to make additional payments if desired. For companies purchasing caravans for business use, possibly as a mobile office or on-site accommodation for employees, we offer the full range of commercial finance products. Speak with a Jade Caravan Finance consultant for a quote. ## **Finding a Destination** With your caravan loan sorted, your vehicle ordered, it’s time to plan your caravan trip or holiday. The choices of where to go may be determined by how much time you have, how far from home you wish to travel and if you’d prefer a touring holiday or a destination holiday. The type of vehicle you have purchased will also influence where you go. If you want to explore into more remote and off-road locations you’ll need both a van and your towing vehicle to be suited to and set-up for these conditions. All states and territories have a plethora of national parks to explore and many offer great camping and caravanning locations for overnight stays. Some parks provide facilities and others just parking areas. So check the relevant parks department websites for details and ensure you have a pass if required. For destination holidays you have a wide choice of caravan and holiday parks across Australia to choose from. To browse and book there are a number of websites available including [www.bi](http://www.big4.com.au/)[g](http://www.big4.com.au/)[4.com.au](http://www.big4.com.au/) [www.visitnsw.com](http://www.visitnsw.com/) and other state tourism websites. Make sure you read reviews and it can be helpful to join a social media group where fellow caravanners share reviews, tips and hints. Australia has amazing places to discover by caravan so make it part of your lifestyle. **Call Jade Caravan Finance on 1300 000 003 and let’s get you out of lockdown and into a caravan as quickly as possible.** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Loan Tips --- ### [Cheap Interest Rate Touring](https://www.jadecaravanfinance.com.au/blog/loan-tips/cheap-interest-rate-touring) **Published:** May 11, 2020 **Author:** Publisher **Content:** Even if you’re not an avid follower of the finance markets, you’re probably still quite aware that interest rates are currently at very low levels. In fact, historic low levels. Interest rates are a major determinant of the lending market and as such, lending rates are also at quite low levels compared with some periods in [recent history of economics](https://tradingeconomics.com/australia/interest-rate "Dive into Contemporary Economic History "). This scenario is likely to have many people considering buying wish-list recreational goods including caravans. With coronavirus putting a hold on air travel and cruising holiday plans and many seeking a more accessible and affordable holiday, caravans are shaping as a popular alternative. At Jade Caravan Finance, we see these factors combining to create the ideal time to contact us for a cheap caravan loan to purchase a camper, RV, caravan or mobile home. Mind you, we don’t wait around for interest rates to head down to offer great interest rates. It’s our signature move and with interest rates at these low levels, we can offer our caravan customers [low rate caravan finance](https://jadecaravanfinance.com.au/interest-rates "Lowest Caravan Finance Interest Rates"). So how do current low interest rates translate into cheap caravan loans? **We’re taking time-out to give you a quick explainer in as basic terms as possible.** - You’ll see different interest rates advertised by different banks and lenders for different types of loans. Home loan rates differ from car loans, boat loans may differ from caravan loans etc. That’s because each lender set their rate based on their own assessment of and experience in lending to that sector. - Lenders have to factor in their own cost of sourcing their own funds and that can differ due to a range of factors including global impacts. - Banks and lenders simply price their loans differently. - Interest rates on personal loans are usually higher than rates for business loans. - Unsecured loans attract a higher interest rate than secured loans. ## **How does Jade Offer Cheap Interest Rates?** - As Aussie Finance brokers we are accredited with many banks and lenders so we have the advantage of being able to source the best interest rates from a wider field. - Some of our lenders are industry-only, so individual borrowers cannot access these sources. - Always offering the best interest rates possible is at the core of our business model. - Determination! Our consultants work hard for our customers. We negotiate with lenders to achieve the cheapest interest rates for our customers. - Bargaining power. As long-term finance brokers, we are acknowledged as significant participants in the lending sector and have built up a track record of writing a lot of business with many lenders. That’s just a few reasons why using the services of Jade Caravan Finance gives you a better chance of securing a cheap interest rate caravan loan. ### **Making Cheap Interest Rates Work for You** It’s one thing to be have cheap interest rates available. But the real benefit is realised in the way you structure your caravan loan. The way you make cheap interest rates work for you. Work towards realising your financial goals in the future or meeting cash flow requirements in the short term. - Cheaper interest rates can allow you a lower monthly repayment over the same loan term compared with higher rates. This may assist you cash flow, especially if you are on a fixed income. - Alternatively, you may want to pay off your caravan faster and therefore choose a shorter loan term with a higher repayment level. - The shorter loan term would mean you would pay less in total interest over the term of your caravan loan. These are the types of options that your Jade Caravan Finance consultant can assist you with achieving. Assisting customers to achieve flexibility in structuring their loans is central to our service offering, but is not something that is always available when individuals approach banks directly. Very often, banks and lenders will have strict guidelines governed by [ASIC responsible guidelines](https://asic.gov.au/regulatory-resources/credit/responsible-lending/) on caravan loans and borrowers must comply. Giving very little room to structure their loan to suit their needs. #### **Arranging Your Cheap Caravan Loan** Simply contact Jade Caravan Finance and one of our consultants will provide you with a caravan loan quote and on accepting, will assist with the paperwork to streamline the entire process. While interest rates are low, why not take to the road in your own caravan! **If you’re ready to talk cheap caravan loans, call Jade Caravan Finance 1300 000 003 and have an initial discussion with one of our consultants**. **Categories:** Loan Tips --- ### [Caravan Holidays Bucket List](https://www.jadecaravanfinance.com.au/blog/caravan-tips/caravan-holidays-bucket-list) **Published:** October 14, 2019 **Author:** Publisher **Content:** Go when and where you want, no check-in queues, no luggage restrictions, no airport transfers. it’s not surprising that caravan holiday is enjoying an exciting resurgence as more people discover the amazing benefits and advantages to be enjoyed and experienced. At Jade Caravan Loans we’ve been able to assist a wide range of people purchase their wish-list caravan and set off to explore and holiday across the country. If you’re thinking maybe this summer holiday is the ‘year of the caravan’ for you and your family, then now is the time to look at buying because some manufacturers have a reasonable lead-time for delivery. Before finalizing your plans, using our [caravan loan repayment calculator](/loan-calculator "Calculate your caravan financing repayments") can give you a clearer picture of your financial commitments. Give your Jade Caravan Loans Consultant a quick call to pre-arrange finance to expedite the process. To support those customers who are already living and loving their caravan, RV or camper and to spark interest in those who still have a caravan trip on their bucket-list, here’s some information and ideas to enhance your caravan holiday experience. ## Pre-Trip Preparation With the Christmas-New Year holiday season only weeks away, now is the time to prepare your caravan for your next trip. Like all valued assets, regular servicing and maintenance is essential to ensure safety and performance and longevity. It’s always advisable to have a caravan specialist give your van regular scheduled checks, and in for DIY, check your manufacturer’s manual for specific pre-travel checks for your model. Check the website for any alerts and updates you may have missed. ## Here are a few general pre-travel guidelines: Check the fire alarm is working, change the battery as a precaution and make sure the fire extinguisher and blanket are in good order. While ensuring compliance with [caravan laws](https://www.royalflair.com.au/caravan-laws-in-australia-you-need-to-know/ "Understanding caravan legal requirements"), check the batteries in torches and other battery-powered items, check fuses and light globes, both internal and external. Check all window, door and screen latches and locks are secure. Ensure water tanks are clean and filled. Do a run-through check of all tech and operating systems – av, solar, batteries, stove and other appliances and of course, the gas bottles. Most importantly, have brakes checked professionally and ensure wheel bearings are undamaged, clean and properly adjusted. Check tyre pressure is correct for your load weight and upcoming road conditions. Ensure chains, towing aids, chocks and jacks are in good working order. Double check that you have all the right cables and connectors, ie phone and other device chargers, safely onboard. It’s a good idea to research the locations of service centres for your make and model en route and around your destination, just in case you need emergency repairs. And of course, check that you have the latest maps for your trip and have thoroughly researched the road conditions and facilities en route and weather forecast. Don’t forget to book your site in advance if you’re planning to stay at a park – browse popular caravan blogs for reviews and ideas. Thorough pre-travel checks and research can save a lot of hassle down the road! ## Support Drought Affected Communities If you’re yet to plan your next trip, why not support drought affected communities by visiting those parts of Australia. There are regions in every state suffering and the local businesses need the visitors to come and spend to stimulate their local economies. Stay, eat, play and immerse yourself in the local attractions and interests. Don’t forget to stock up on your water supply well before you enter these areas so you are self-sufficient and don’t need to use their valuable and minimal town water supplies. ### Above all, safe travels and look out for others on our roads. If you’d like to get into caravan holidays or upgrade to a new van, your Jade [Caravan Loans](/ "Maximise your savings with caravan loans") Consultant will be happy to assist with organising a great loan for your preferred caravan, RV or campervan. In future issues we’ll look at other lifestyle purchases to continually bring you up-to-date information on a range of topics and ensure you are making well-informed purchase decisions. *DISCLAIMER: THE INFORMATION PROVIDED IN THIS PUBLICATION IS INTENDED AS AN OPINION AND A GUIDE ONLY. IT IS NOT INTENDED AS FINANCIAL ADVICE. CONTACT YOUR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE ON YOUR SITUATION.* **Categories:** Caravan Tips --- ### [Tax Benefits: Commercial Caravan Chattel Mortgage](https://www.jadecaravanfinance.com.au/blog/industry-news/tax-benefits-commercial-caravan-chattel-mortgage) **Published:** May 19, 2021 **Author:** Publisher **Content:** While caravans are primarily associated with the holiday, recreation and private touring, the wide range of RV types and models are also used extensively for business and work applications. RVs can make exceptionally useful accommodation and office space for mining, resources and research teams operating in remote regions. Caravans can be used on construction sites in difficult to access locations for temporary and moveable workforce housing and office space. Specialist vans are also now being built and marketed to suit tradies on the go. Plus much other work and business-related applications. We provide a range of finance options for businesses [acquiring caravan loans](/ "Exploring Caravan Financing Options") for use in their operations. All business finance products are structured to include tax benefits to the business. The way in which the benefit is realised varies according to the loan type and possibly aspects of the business operation itself. Of all the commercial finance products available through our extensive accreditations with banks and lenders, the [Caravan Chattel Mortgage](/chattel-mortgage "Learn More ABout the Caravan Chattel Mortgage Option") is the most widely used loan type for the purchase of RVs for business usage. ## Caravan Chattel Mortgage: Caravan Loan Features Chattel Mortgage is a versatile and commonly used form of commercial finance which is utilised for a wide range of business equipment across all industries. It is also referred to simply as an Equipment Loan by some banks and lenders. This loan type suits businesses that use the cash method of accounting, a very widely-used method across Australian businesses of all types and sizes. The format is based on a secured loan structure where the asset, in this case, the caravan, is used as the security against the finance being extended. With the lender having this security, the borrowing business takes immediate ownership of the caravan and is responsible for all ongoing expenses including registration, insurance, maintenance, servicing and repairs. Chattel Mortgage attracts the lowest interest rate across the range of equipment finance options, which can further enhance its appeal. Refer to our[ caravan finance interest rate comparisons](/interest-rates "Compare Interest Rates for Caravan Financing") chart for our current rates on caravan Chattel Mortgages. We arrange this type of finance at a fixed interest rate which remains in place at that low rate over the full fixed term of the finance. Those fixed elements deliver a fixed monthly repayment which we negotiate to work with the cash flow of our individual customers. Chattel Mortgage includes an option for what is known as a balloon. This is a percentage of the loan amount borrowed which is set aside for payment in a lump sum at the end of the finance term. Individual lenders will have guidelines around the maximum percentage balloon they may allow. The larger the balloon the lower the monthly repayments but the greater the amount due at the end of the loan term. The smaller the balloon, the higher the monthly payments but a smaller amount is due at the end of the loan term. A Chattel Mortgage balloon can be paid in full from a business’ funds, refinanced with a new loan or finalised if the caravan is traded in on a new vehicle. If the caravan is sold while under finance, all outstanding monies including the balloon will need to be finalised. ## Business Tax Benefits For Your Caravan Finance As a commercial or business finance product, Chattel Mortgage includes specific features as to how tax is treated and benefits are realised. - GST on the entire purchase price of the caravan can be claimed on the [BAS](https://www.ato.gov.au/Business/Business-activity-statements-(BAS)/ "Visit the Business Activity Statement (BAS) Information Page") following purchase, for business registered for GST. - GST is not charged on interest on any loans. - As the full GST pertaining to the purchase is claimed just after purchase, GST is not charged on the monthly repayments. - The repayments are not fully tax-deductible. Only the interest portion of the repayments is treated as a tax deduction. - The main tax deduction for Chattel Mortgage is realised by a business through depreciation of the caravan according to the rulings set by the ATO. Under normal rulings, this would be a percentage of the value of the asset each year over a scheduled time period. - A tax benefit can be realised with Chattel Mortgage for eligible businesses on eligible equipment through accelerated asset depreciation measures when applicable. These measures include temporary Full Expensing and Instant Asset Write-Off which are introduced at times by the Federal Government to stimulate investment and the economy. - [Temporary full expensing](https://www.bdo.com.au/en-au/federalbudget2021/business "Explore information on the temporary full expensing scheme") is currently available on eligible assets and for eligible businesses on purchases made through to 30 June 2023. This measure allows for the full value/price of the equipment, eg caravan, to be deducted as a business expense in the year the caravan was acquired. Businesses are highly recommended to refer to their accountant on the selection of finance product to ensure it meets their individual financial objectives and business set-up. ## Business Caravan Loan Buyers Caravan Chattel Mortgage is versatile and suits many types of business setups. These include owner-operators, sole traders, SMEs, small businesses, large corporations and family enterprises. Jade Caravan Finance can source Chattel Mortgage quotes for new businesses just starting up with our Low Doc and [No Doc Caravan Loans](/no-docs-caravan-loans "Discover Caravan Loans with minimal documentation.") service. ## Suitable Caravan Loan Types All types of new RVs can be acquired with Chattel Mortgage, subject to individual lender guidelines. These include traditional caravans, camper trailers, specialist tradie caravans, off-road and hybrid models, toy hauliers, mobile homes and others. For a quote on Caravan Chattel Mortgage for your business, contact one of our consultants or head to our finance calculator to work up estimates to assist your purchase decisions. **Contact 1300 000 003 for a cheap Caravan Chattel Mortgage quote** *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.* **Categories:** Industry News --- ### [Impact on interest rates of COVID-19 lockdowns and Caravan Finance](https://www.jadecaravanfinance.com.au/blog/industry-news/impact-on-interest-rates-of-covid-19-lockdowns-and-caravan-finance) **Published:** July 19, 2021 **Author:** Publisher **Content:** If you’re considering applying for [finance to purchase a caravan](/ "Explore Financing Options for Buying a Caravan") in the immediate or near future you may be wondering how the current and any future lockdowns may impact lending interest rates. With areas of both NSW and Victoria both under lockdown at the same time and being the country’s major economic hubs, the [consequences for the national economy](https://www.health.gov.au/health-alerts/covid-19/case-numbers-and-statistics "For insights on the economic impact of concurrent lockdowns in NSW and Victoria, click here.") are likely to be significant. To address many of the queries that our customers may have on how these circumstances may impact caravan finance interest rates, we cover off how lending rates are determined. ## Triggers for Rate Changes The RBA (Reserve Bank of Australia) is responsible for setting the official cash rate which in turn determines what lending rates the banks and finance companies set for their various loans. The bank board meets on the first Tuesday of every month with the exception of January, to decide if the official cash rate should be increased or cut. Since making the last rate cut in November 2020 the Board has kept rates on hold at 0.1%. Following the July 2021 meeting, the RBA Governor Dr Philip Lowe, outlined in the usual statement, the Board’s insights, reasoning and outlook. The statement repeated the same key points that the RBA has been saying for many months. That is that they are awaiting unemployment to be sustained at below 5% and that inflation is sustained in the range of 2% to 3%. [More info here](https://www.rba.gov.au/media-releases/2021/mr-21-06.html). Unemployment figures have defied the predictions and forecasts of both Government and many analysts despite the effects of COVID-19 on the economy. The national economy bounced back well following 2 months of a technical recession in 2020 and employment quickly picked up. The latest unemployment figures were released in mid-July while Greater Sydney and its surroundings were in the first weeks of lockdown. The unemployment figure has dropped to 4.9% but that is based on pre-lockdown activity. On announcing such a good outcome the Treasurer Josh Frydenberg would usually be extremely upbeat. But in this case, with 12 million Australians in lockdown, the mood was far more cautious and subdued in commenting on the result. Cautious about the knowledge that the Sydney lockdown could potentially push the figure back up through July. While the unemployment figure is nearing the range indicated by the RBA to trigger a rate rise, the other key indicator, inflation is not in range. Inflation currently sits in the 1% range. In order to trigger a rise in interest rates, the RBA has stated it is looking at both indicators. Some analysts have been calling for the RBA to raise interest rates to stall the rising home prices in key housing markets. While the RBA has stated that they will be monitoring the housing market, at this stage, an interest rate rise is not being considered. Dr Lowe has stated that the bank was not expecting rates to rise until around 2024. Despite the RBA’s decisions, some banks and lenders have reportedly moved on to increasing their own rates for home loans. We remind caravan finance applicants that home mortgage interest rates are differentiated from consumer finance loans such as caravans. Home loans are based on much longer loan terms than caravan loans and as such, lenders need to make decisions much further into the future. ## Caravan Finance Interest Rates If you notice a lender, even your own bank, making changes to home mortgage rates, don’t immediately think that may mean a change to caravan finance rates on any caravan loan you are planning. With our most popular caravan loan, the [Secured Caravan Financing](/secured-caravan-finance "Discover Collateral-Backed Caravan Financing Solutions"), we arrange loans based on a fixed interest rate. But while home mortgage rates may only be fixed for a portion of the overall home loan term, our caravan finance rates are fixed for the entire loan term. Refer to our Caravan Loan Lender Comparison Table to compare our current[ low interest rates for Caravans](/interest-rates "Find caravan loans with favourable interest rates"). with other lenders. For those planning a caravan purchase, simply enter the amount of your preferred caravan and preferred loan term to see an estimated loan repayment displayed. You can easily compare the repayments across all the banks and lenders we have included in this lending resource. If a caravan loan is arranged at the current low-interest rate, the rate and the repayment will remain fixed for the entire fixed term of the caravan loan. Our fixed interest rates apply to pre-approved and post-purchase caravan loans. For customers that have existing caravan loans based on a fixed interest rate, both your rate and your repayment will remain fixed for the full term. If your own circumstances have been impacted by lockdown and you are unable to meet your loan repayments, contact your lender to discuss what support you can access. ## COVID-19 Outlook and Caravan Finance The current expansive and extensive lockdown restrictions in Greater Sydney, especially the 14-day pause on construction, will no doubt have a significant impact on the economy. However, any impact would not necessarily be expected to flow into the consumer finance interest rate area. The economic fallout from the current lockdown may influence the RBA’s rate decisions but it would be extremely unlikely to trigger a further cut. It would be expected that rates would continue unchanged in the near future. For a quote on a specific caravan loan and confirmation of the interest rate we can achieve for your loan, please speak with one of our Jade Caravan Finance consultants. Alternatively, feel free to utilise our [caravan loan estimator](/loan-calculator "Use our caravan loan estimation tool") to calculate potential repayments. **Call 1300 000 003 to discuss lending with a Jade Caravan Finance consultant** *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.* **Categories:** Industry News --- ### [Certainty in Uncertain Times](https://www.jadecaravanfinance.com.au/blog/industry-news/certainty-in-uncertain-times) **Published:** May 28, 2020 **Author:** Publisher **Content:** Unprecedented, uncertain, unknowns – there has been a lot of uns around the [coronavirus pandemic](https://www.abc.net.au/news/2020-04-21/reserve-bank-warns-challenges-for-australian-economy-coronavirus/12169914 "For the latest updates on the global health crisis, click here."). We keep hearing it everywhere and incessantly. So it’s not surprising that many people are seeking reassurance and certainty so they can make informed decisions for many aspects of their lives. Finance has figured predominantly throughout the COVID-19 crisis and we are well aware that now, more than ever, our customers want greater confidence that we can secure them cheap caravan loans. We provide that assurance that Jade Caravan Finance services are operating business as usual and we have a number of resources available to give you certainty around securing a caravan loan during these uncertain times. Our reference to caravans includes the full range of vehicles in this category including RVs, mobile homes, caravans and camper trailers and our cheap caravan loans apply to all these vehicles. ## Repayment Estimate Resources Before proceeding to commit to a purchase, we appreciate that our customers want at least some idea of what repayments may look like for various purchase prices. The purchase price is an important buying consideration but what that means in terms of what you will be paying each month in repayments can be even more important. To assist you in this space, we have provided a convenient, easy to use caravan finance calculator on this website. It’s free to use and you can use it for as many vehicles as you are considering without any obligation to proceed further if you don’t wish to but with a quick proceed function if you’re ready to go. Using the [caravan finance calculator](/loan-calculator "Use our caravan Financing Calculator tool.") may provide you with the certainty you are seeking. For a detailed step by step run through and disclaimer, please refer to our Online Caravan Finance Calculator website. Here’s a quick overview of how it works. You simply enter the details of each caravan you are considering purchasing into the fields as indicated. The details include the loan amount which is usually the purchase price of the caravan; the current interest rate which we have displayed on our website; and the loan term, which is how many months you would like to repay your caravan loan. Once all the required fields are completed, you simply click CACULATE and an estimated repayment on that particular set of data will be displayed. Be mindful that this is only an estimate as it does not allow for any fees and charges which be applied by individual lenders and any specifics around your individual application. Your quote may be lower or higher than the one displayed. While the estimate is not an approval of or offer for a loan, it may give you certainty around some aspects of the loan side of your caravan purchase. Use it for as many vehicles as you have your eye on to make comparisons. Compare used against new, the basic compared with the more luxurious model and manufacturer against manufacturer for similar vans. ### Pre-Approval Resources What could you give you greater certainty to proceed with your caravan purchase than already having your [cheap caravan loan approved](/ "Get Approved for Affordable Caravan Financing") and ready to go? Yes, Jade Caravan Finance can provide that level of certainty with our pre-approved caravan loan service. Pre-approved loans are processed in the same way as standard loans except they are arranged based on a purchase price range not a specific vehicle. When you apply for a caravan loan you will usually have already selected the van and agreed on a purchase price with the seller. With a pre-approved loan, you advise our Jade Caravan Finance consultant the price range of the van or vans you’re considering as the loan amount. Your consultant will go through the process of sourcing you the best loan offer from our wide range of banks and lenders, negotiate the cheapest [caravan interest rates](/interest-rates "Explore Caravan Loan Interest Rate Information") and provide you with a quote. If that quote meets your expectations, you can then, with certainty, proceed to engage in discussions with caravan sellers to purchase your vehicle. With your vehicle selected, contact your Jade consultant and they will finalise your loan, assist with the paperwork and even liaise with your seller to streamline the process. Jade pre-approval caravan loans provide the certainty that your finance is organised so you can confidently proceed to select the vehicle. Many aspects of our lives might be facing uncertainty. But at Jade Caravan Finance, be assured we have a ‘no problem’ approach. - If you just want to make an enquiry – no problem - If you want to discuss the options available to you – no problem - If you’re a business operator requiring caravan finance – no problem **To add certainty into your caravan purchasing process, contact Jade Caravan Finance and discuss a pre-approved loan with one of our consultants. Call 1300 000 003** **Categories:** Industry News --- ### [Defining security in insecure times: secured & unsecured caravan loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/defining-security-in-insecure-times-secured-unsecured-caravan-loans) **Published:** July 20, 2021 **Author:** Publisher **Content:** [Caravan sales have been surging over the past 18 months as more and more Australians realise the appeal of this style of travel and holidaying with many other options off the agenda due to COVID restrictions](https://indaily.com.au/news/2021/05/24/caravan-sales-thrive-as-jet-setters-hit-the-road/ "Surge in Caravan Sales Amid Changing Travel Trends"). The range of makes and models of traditional and off-road caravans, mobile homes, RVs, campers and camper trailers is vast, with selections to suit families, singles, males and couples. Many new buyers have been purchasing their first caravan and exploring Australia as they ‘holiday at home’. But while Australia had posted extremely encouraging economic outcomes which indicated a bounce back from the COVID-19 impacts, outbreaks in multiple states once again triggered the reinstatement of restrictions. Life in Australia had been approaching some semblance of a new ‘COVID’ normal for a time. [But the latest outbreaks and lockdowns which have affected multiple states are concerning for many people](https://www.smh.com.au/national/australia-news-live-fresh-rules-for-sydney-s-lockdown-covid-19-cases-spread-into-regional-victoria-20210719-p58atn.html "Concerns Arise from Recent Outbreaks and Lockdowns"). The whole coronavirus scenario on a global basis may raise general apprehension and uncertainty in regard to moving forward with life decisions. Especially in regard to making a caravan purchase with a finance committee. In these somewhat insecure times, we provide certainty around caravan finance by explaining terms and terminology with both secured and unsecured caravan loans. ## **Is my Caravan loan secure?** When times are uncertain in any respect, whether globally or on a very personal and individual level, one question that those with loans and finance may be wondering is how secure their finance actually is. If circumstances in your world or across the world change, what security do you have in regard to your loans? What would change and could change with your finance deals? We’ll start this explainer with the definition of the words ‘secured’ and ‘security’ in the finance sector. When a caravan loan is secured the security aspect actually refers more to the lender than the borrower perspective. The caravan is used as security in a Secured Caravan Loan. This means as the guarantee against the monies being extended by the lender. The caravan is the security for the lender if the borrower defaults on the loan. In the event of a borrower not being able to meet their loan repayments, the lender holds the right to repossess the caravan and sell it to recoup the money that is owed to them on the loan. There is an established process in regard to repossession that lenders follow and it may be preceded by repeated requests for payment and possible discussions with the borrower. If the amount the caravan is sold for does not meet the amount outstanding on the loan, the borrower may be pursued for the difference. For borrowers, a secured loan does offer peace of mind in that if they are unable to meet their payments repeatedly, the caravan is available as a guarantee. If facing potential difficulties, the borrower may choose to sell the goods and finalise the loan with the proceeds and circumvent any action by the lender. [With Unsecured Personal Caravan Loans, no security is offered for the loan](/unsecured-personal-loans "Explore Unsecured Personal Caravan Loans"). This may occur where the caravan is not considered suitable security by the lender. In these instances, we offer Unsecured Loans. As there is no security, the lender attaches a higher interest rate to cover the increased risk factor. In some instances, security through other assets may be requested. Should a borrower default on an unsecured loan, a process to recoup funds owed can be pursued by the lender. [A Secured Caravan Loan is our most popular loan and suits most new caravan purchases and most of our customers](/secured-caravan-finance "Discover Our Popular Secured Caravan Loan"). ## **Security through Caravan Finance Fixed Rates and Terms** Security is afforded to our Jade customers through the fixed elements that we incorporate into both our Secured and our Unsecured Loans. The interest rate on secured caravan loans is fixed for the entire term of the caravan loan. This can provide a sense of security for borrowers that regardless of what happens with interest rates in general, their loan will remain unchanged. With caravan loan terms available up to 7 years, that’s many years of confidence and assurance. With unsecured loans, the interest rate may be fixed or it may be variable. The terms on both our secured and unsecured loans are fixed. This fixed-term when taken with a fixed interest rate delivers a fixed monthly repayment. This repayment amount remains unchanged over the full term of the loan. So security in terms of borrower reassurance and confidence can be realised through the fixed aspects of their caravan loan. [To get a better understanding of your finance, head over to our online caravan loan interest rate calculator](/interest-rates "Calculate Your Caravan Loan Interest Rates Online"). ## **Caravan Loan Security through Expertise** Our Jade customers can also realise a level of reassurance that their best interests are being addressed through the entire loan process. We operate as a broker-style lender with the best interests of each customer central to every stage of sourcing the cheapest interest rates and most attractive loan conditions to suit the individual. We scour the lending scene through our vast accreditations to [secure the cheapest caravan loan quote](/ "Get the Best Caravan Loan Quote") and provide our customers with the confidence that all bases have been covered with their loan. A task that can be extremely challenging when carried out by loan applicants themselves. With your Jade consultant providing the highest levels of finance expertise and professionalism, our customers can be assured that whether times feel uncertain or insecure, we will deliver confidence and assurance and the cheapest fixed interest rate caravan loans. So don’t put plans on hold, get moving with your caravan buying arrangements and speak with us for a loan quote. **Contact 1300 000 003 for a cheap interest rate caravan loan quote.** *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.* **Categories:** Loan Tips --- ### [What are the repayments on caravan loans?](https://www.jadecaravanfinance.com.au/blog/loan-tips/what-are-the-repayments-on-caravan-loans) **Published:** May 12, 2021 **Author:** Publisher **Content:** When you’ve decided to buy a caravan it’s time to study the market. The selection of different types of RVs, camper trailers, traditional caravans and mobile homes is quite extensive with Australia home to a robust and highly regarded caravan manufacturing sector. Most manufacturers provide informative websites, detailing the specs and features of their models and often the price guide. But if you require [finance to purchase a caravan](/ "Caravan Purchase Financing Solutions"), having the RV price is only one part of the information you require. What you really need to put each caravan make and model into perspective is the loan repayments on each purchase price. We have provided a simple to use caravan loan tool which allows you to do just that. Convert caravan prices into finance repayment estimates with our handy [caravan finance repayment calculator](/loan-calculator "Calculate Your Caravan Finance Repayments"). ## **How Caravan Loan Repayments Are Calculated** ### Loan repayments are calculated based on a number of factors: - Interest rate: The interest rate is a key determinant but rates vary across different types of loans and can be fixed or variable. - Loan amount: The amount being borrowed is clearly going to affect how much your monthly repayments will be. - Loan term: Terms available on caravan finance can vary from lender to lender. - Fees and charges: Lenders charge varying fees and charges on all types of loans. These are factored into the overall loan amount in calculating repayments. ## **Working our Your Caravan Loan Repayments** Before heading to use the calculator to work repayments on the caravan you have in mind, you will need to decide on the key elements of your loan and how you would prefer the finance to be structured to suit your budget. While our consultants negotiate hard on behalf of our customers to achieve the finance terms and conditions that they want, some aspects will be subject to [individual lender guidelines and an assessment of individual loan applications](https://www.money.com.au/personal-loans/how-lenders-assess-your-application). ## **Set Your Caravan Loan Amount** The first aspect to determine is how much you are going to apply to borrow. [We offer no deposit caravan finance so you can choose to include the full purchase price of the RV in your loan](/no-deposit-caravan-finance "Explore No Deposit Caravan Finance Options"). This ‘no deposit’ reference is to the lender not requesting a deposit be paid and is different from a down payment that the manufacturer or dealer may ask you to pay to confirm your order. In addition to the purchase price, we can include additional items in your caravan loan. They may include optional accessories and extras – that extra water tank, an external awning, off-road upgrade pack and others. So keep that in mind when deciding on your loan amount. ## **Choose your Caravan Loan Type** There are a number of loans available for the purchase of caravans. ### Private purchasers, those buying a caravan purely for their own travel and holiday enjoyment can select from: - [Secured Finance For Caravans](/secured-caravan-finance "Secure Your Caravan Financing with Jade"): by far the most popular and suited to new caravans and many used models. - Unsecured Personal Loan: suited where the caravan is not available to offer as security or not accepted by the lender. Referring to our Lender Comparison Chart, you can see the loans offered by different lenders for caravans. Not all offer a specific caravan loan but a more generic personal loan format. Those purchasing vans for use in a business there is a range of finance facilities available with Chattel Mortgage for Caravans the most widely used. ## **Review the Caravan Finance Interest Rates** If using our Caravan Finance Calculator, you will need to enter the correct interest rate for the loan you have selected. Interest rates vary across loan types. We clearly display our current rates throughout our website. These rates are based on good credit applicants and for new caravans. We also make it easy to review interest rates across a range of loans from different lenders with our Lender Comparison Calculator. This chart lists a selection of banks and lenders with their loan types and the interest rates on those loans. You will note that some offer fixed interest rate loans and some are variable interest rates. At Jade, we ensure fixed interest rates on our secured loans to provide a fixed repayment over the full term of the loan. ## **Decide on Caravan Loan Terms** How long or short a time period you take to repay your loan will impact both the total interest payable on the finance and the repayments. A longer timeframe results in more interest but lower repayments while a shorter timeframe results in less interest overall but higher monthly repayments. Loan terms of up to 7 years are available on caravan finance. ## **Use the Caravan Finance Calculator** With all your data prepared you can use our finance calculator to work out your repayment estimates and play with the figures to arrive at a repayment amount that will work with your budget. ## There are two calculators available: - [Caravan Finance Interest Rates Comparison Tool](/interest-rates "Caravan Finance Interest Rate Comparison Tool") – you just enter your loan amount and term and the repayment estimates are shown alongside the loan offerings from the banks and finance companies listed. - With Caravan Finance Calculator you can enter the data around your purchase/loan including our cheap interest rate to see the outcomes. Simply change the amounts such as the loan term and the loan amount, to see how those changes alter the repayment amount. When you arrive at a combination that delivers a repayment amount in your ballpark, you simply contact us for a firm quote. The calculator is the essential loan tool for comparing different caravan makes and models, deciding on whether or not to make a down payment to reduce your total loan amount and establishing an idea of how you would like your loan to look in terms of loan type and terms. Repayments on caravan loans will vary according to a range of factors but you have access to a resource to find out for yourself what repayments may be on any particular model. **Call 1300 000 003 to discuss a quote with a consultant** *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.* **Categories:** Loan Tips --- ### [Looking for finance for a slide-on caravan camper?](https://www.jadecaravanfinance.com.au/blog/loan-tips/looking-for-finance-for-a-slide-on-caravan-camper) **Published:** February 1, 2021 **Author:** Publisher **Content:** The interest in caravans in general has spiked due to the travel restrictions caused by the coronavirus pandemic. But with so many different types of caravans, camper trailers and mobile homes to select from, it’s worth considering the pros and cons of all types before plunging into a purchase. One type of which has apparently become extremely popular with some buyers is the slide-on camper. This is not the same as a slide-out, pop-up or pop-out caravan/camper where a section of the vehicle slides or pops up to create more space. A slide-on is a specific type of vehicle which can be mounted onto the back tray section of a ute. Utes and cab chassis vehicles are some of the biggest selling in the market so it’s probably not surprising that owners would want to make full use of their work vehicle for recreational activities with the addition of a slide-on. The slide-on has many benefits, is versatile as it can be quite easily removed when at the destination or for storage and it turns a 4WD or off-road vehicle into an off-road caravan. [Jade Caravan Finance provides loans for all types of caravans](https://www.jadecaravanfinance.com.au/) so if you’re considering a slide-on, not problem. You can use our calculators to estimate repayments and apply for a slide-on camper loan with us online or over the phone. ## **Benefits of a Slide-On** According to caravan industry experts, the key benefits of a slide-on are:- - Ease of towing. There actually isn’t any towing! The slide-on is mounted onto your vehicle so driving and transporting your ‘caravan’ is much easier than towing. You will need a vehicle which has the capacity to handle the weight of the slide-on and it may take some getting used to driving with the extra weight. Some models to have the option of actually towing which can be a great alternative in some circumstances. - Ease of transporting. If you dread parking or reversing when [towing a caravan](/blog/caravan-articles/beginners-guide-to-towing-a-caravan/ "Beginner’s Guide to Towing a Caravan"), then the slide-on might be your ideal option. - Less Costs. Experts advise significant cost savings with a slide-on compared with a towed caravan. They include savings on rego, fuel use with the removal of the towing element, no need to pay extra vehicle costs if travelling via a ferry and no extra parking costs in some places. - Less space required. When arriving at a camp site or even parking at home, the slide-on takes up much less space when mounted on your vehicle. - When you arrive at your destination you can easily remove the slide-on and leave in a standing position and still have your vehicle available to explore and travel around. Many slide-ons are fully self-contained and offer all the facilities required for even free camp sites. ## **Slide-on Manufacturers** There are a number of manufacturers and models of slide-on campers for buyers to consider. Some are caravan builders that have included a slide-on in the range and others specialise in this particular type of RV. Here are a few for you to review:- - OzCape Campers [ozcape](http://www.ozcape.com.au)[.com.au](http://www.ozcape.com.au) Located on the Gold Coast, OzCape specialise in slide-ons and have models to suit single, dual and extra cab ute vehicles. - Millard RV Slide On http://www.millardrv.com.au/slide-ons One of the well-known caravan manufacturers in Australia, Millard has slide-on models in their line-up. - Active Campers Active Campers specialise in this type of RV with their point of difference noted as slide-ons designed as campers not simply as caravan that can be fitted to ute. - Wedgetail Located in the Newcastle NSW region at Broadmeadow, Wedgetail specialise in slide-ons and manufacture right here in Australia ## **Loan for a Slide-on Camper** Jade Caravan Finance include slide-on campers in our overall caravan finance category. Our [Secured Caravan Loan](/secured-caravan-finance "Secure Your Caravan Financing with Jade") is ideal as a slide-on camper loan. With this loan, the slide-on is used as security against the loan, the borrower repays the loan in equal monthly repayments over a fixed loan term and Jade secures the loan at a fixed interest rate. You do have the option of making additional payments if you choose and if you do and pay off the loan earlier, only minimal break fees apply. The same interest rates that apply to caravan loans also apply to slide-on loans. You can refer to our [lender comparison chart for interest rates being offered by select lenders](/interest-rates "Compare Lender Interest Rates with Our Chart") and by entering your loan amount and preferred term, receive a quick estimate on possible repayments. Alternatively, head to our caravan loan calculator and input the data around your loan requirements. Need a fast slide-n loan quickly? Apply online or just call us for a quick quote, to apply over the phone and receive a cheap interest rate loan for your slide-on. Your Jade consultant will assist with the paperwork, provide fast approvals and prompt settlement so you can slide your slide-on onto your vehicle and head off on your travels. **To discuss a slide-on camper loan, call 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** DISCLAIMER: THE DATA, POLICIES, INFORMATION, CONTENT AND REFERENCES AS PRESENTED IN THIS ARTICLE ARE FOR GENERAL PURPOSES ONLY AND ARE *SOURCED FROM RELIABLE SOURCES BUT NO LIABILITY IS ACCEPTED SHOULD THERE BE ERRORS OR MISREPRESENTATIONS OF DETAILS IN THE CONTENT. THIS INFORMATION IS NOT INTENDED AS THE SOLE PURPOSE OF MAKING FINANCIAL DECISIONS. READERS SHOULD REFER TO A FINANCIAL ADVISOR OR ACCOUNTANT IN THE EVENT THAT THEY REQUIRE PROFESSIONAL GUIDANCE AND CONSULTATION ON THEIR INDIVIDUAL FINANCIAL POSITION.* **Categories:** Loan Tips --- ### [NY21 Resolutions - Sorted!](https://www.jadecaravanfinance.com.au/blog/loan-tips/ny21-resolutions-sorted) **Published:** December 28, 2020 **Author:** Publisher **Content:** The start of a new year is significant for many reasons. For many people it signifies new beginnings, a new start, the end of bad habits and a plan to make the future better than the previous year. For many, that means the annual round of New Year resolutions. History backs the fact that despite the best intentions and best efforts, many of those resolutions won’t be achieved. But at Jade Caravan Finance we are ready to assist you achieve perhaps one of those items on your list. Sorry, we can’t help the losing weight and getting fit resolutions. But, if buying a caravan to holiday or tour throughout Australia is your NY21 resolution, then we are definitely the people to commandeer to assist you achieve that objective. 2020 saw a surge of interest in caravan ownership as international and even some interstate travel plans were thwarted. How all that will play out over the next few years is still somewhat of a guessing game. So buying a caravan now could be a great way to have your travel and holiday plans sorted, regardless of border and other travel restrictions. Jade Caravan Finance provides a range of resources to assist you plan your caravan purchase and our expert lending services to turn those plans into reality. ## **Getting Started** The first step is to just do it! The calendar of caravan shows gets underway in early February and those expos are great opportunities to see a multitude of caravan and RV makes and models in the one location. It’s also great for speaking first hand to many caravan enthusiasts to pick up tips and hints on what caravan to buy, what accessories you should and shouldn’t invest in and where the best caravan parks and sites are located. Most caravan shows will feature show specials. These are offers made by exhibitors to entice buyers to purchase on the spot. Some can be very attractive but if it’s a caravan and you don’t have your finance sorted, you might miss out on the discount. Speaking with Jade Caravan Finance before you head to the show can get you sorted. We provide pre-approved caravan loans which are perfect when visiting expos. ## **Finance Resources and Tools** Before you start browsing the makes and models available in the caravan and RV market, familiarise yourself with the resources and tools we provide, free of charge, for your convenience. We have stocked our website with a wealth of information and useful self-serve functions which you can access from any device when and where you have an online connection. - Lender Interest Rate Comparisons: refer to our chart which lists a number of banks and lenders who offer caravan loans, including Jade. You can quickly compare the rates on offer and by entering the value of your anticipated loan, see how rates convert to repayments. - Loan Calculator: our [caravan loan calculator](/loan-calculator "Calculate your caravan loan with our online calculator") is an invaluable tool when shopping for caravans. You can enter your loan amount, the term you want and instantly receive a repayment estimate based on those values. Use it from home, while at a [caravan show](/blog/caravan-articles/caravan-news-2021-show-dates/ "Caravan News: 2021 Show Dates") or while inspecting vans at a dealership. Great for comparing repayments on different makes and models and seeing how much extra per month those upgrades and extras will cost. - Articles and Blogs: we’ve been building a library of articles over many years and add new articles on a regular basis. The topics vary across finance, tips and hints, holiday locations and showcases of different manufacturers. Well worth staying in touch before and after your purchase. ## **Caravans We Finance** While selecting your caravan, be assured that [Jade provides caravan loans](/ "Explore Our Caravan Loans") for the full range of recreational vehicles from all major manufacturers. These include:- - Traditional caravans - Off-road and semi-off road models - Camper trailers - Mobile homes and RVs - Toy haulers - Slide-ons, pop tops and pop outs - Hybrid models ## **Popular Caravan Loans** At Jade Caravan Finance the most popular loan for all types of caravans and leisure vehicles is the [Secured Caravan Loan](/secured-caravan-finance "Secure Your Caravan Dreams with Our Secured Caravan Loan"). This is a standard loan format where the lender accepts the caravan as security against the loan and the borrower repays the loan in monthly repayments. With a Jade loan, you can expect:- - Cheap interest rates which are fixed for the loan term - Fixed loan term - Fixed monthly repayments If for some reason the caravan is not accepted or available to use as security, we offer the [Unsecured Personal Loan](/unsecured-personal-loans "Explore Unsecured Personal Loans") as an option. All the details of features and inclusions of this type of loan can be reviewed on our web pages. ## **Our Services** At Jade we make it easy to keep that ‘buy a caravan’ resolution with our comprehensive leisure lending services. On contacting us you will be assigned your own consultant who will handle your caravan loan and work with you through the entire process. We’ll source you the cheapest quote from across our lending panel, process your application, negotiate on rates and conditions with the lender and assist with the paperwork for a prompt settlement. We offer an extremely streamlined and smooth procedure from the initial call to the final settlement. You can apply online or over the phone, whichever suits you. So if you haven’t already, don’t just make buying a caravan a NY21 resolution that you might do. Make it something you do, today. **Speak with a Jade Caravan Finance consultant at 1300 000 003 about how we can assist in making your resolution to own a caravan, a reality.** DISCLAIMER: THE INFORMATION AND THE DETAILS THAT HAVE BEEN INCLUDED IN THE ARTICLE ARE PROVIDED AS GENERAL INFORMATION ONLY. THERE IS NO INTENTION THAT THIS BE THE ONLY SOURCE OF FINANCIAL INFORMATION *FOR THE READER. IT IS INTENDED AS GENERAL IN NATURE. IF A READER CONSIDER THEY REQUIRE FINANCIAL ADVICE AROUND THEIR OWN PERSONAL FINANCES, THEY ARE DIRECTED TO CONSULT WITH A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ANY ERRORS OR MISREPRESENTATIONS OF DATA, FIGURES, FEATURES AND INFORMATION AS SOURCED FROM OTHER SOURCES SUCH AS MANUFACTURERS OR GOVERNMENT DEPARTMENTS AND AUTHORITIES.* **Categories:** Loan Tips --- ### [Caravan and RV Insurance: Overview](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-and-rv-insurance-overview) **Published:** January 2, 2021 **Author:** Publisher **Content:** When taking out a loan to purchase a caravan, the lender will require that you also take out insurance on the caravan. This is not only a condition of [Jade Caravan loans](/ "Discover Caravan Loans with Jade Caravan Finance") but a generally-accepted requirement across both consumer and business lending markets. With most loans, in particular the Secured Caravan Loan, the lender is accepting the caravan as security against the money they are loaning to you. They want to know that that security is protected through [comprehensive insurance](https://moneysmart.gov.au/glossary/comprehensive-insurance). From the borrower’s perspective, you are responsible for that loan, despite what may happen to the caravan. If you sell the caravan while under finance you are still responsible for the loan payments. The same happens if something untoward happens to your caravan. In the case of fire, damage, theft or another incident or accident, you are still obligated to make the repayments. Even if the caravan is deemed unusable. By having insurance, you can expect that you will receive compensation through your insurance policy to pay out any monies owed on a loan. So caravan insurance is not only a requirement of a loan, but astute caravan ownership practice. At Jade we are keen to educate and inform our customers, so we’ve compiled some tips and hints on caravan insurance for your general information. ## **Insurance Coverage** Insurance is a method of managing risk. In the case of a caravan that risk may be posed either during travelling on the road, while you’re located at a caravan park or camping site or while the caravan is in storage or parked while not in use. The major incidents or occurrences that caravan owners will be looking to insure against may include:- - Accidental damage caused while travelling or while stationary. - Damage from storms, floods, rain events and hail. - Fire damage caused either from inside via a cooking or other electrical issue or from an external fire. That may mean a [bushfire](https://www.dfes.wa.gov.au/bushfire/) or other type of fire event. - Explosions caused possibly by gas bottles or faulty connections. - Malicious damage caused by known or unknown persons whom you cannot claim against their insurance. - Theft either of the entire caravan or of items removed from the exterior or belongings from inside the caravan. - Burnout of electrical motors and machines. When reviewing the policy options on the market, ensure you read the fine print and fully understand what you are and are not covered for. ## **Selecting Your Policy Inclusions** As with all types of insurance policies, caravan insurance policies will usually come with a range of options. You may have the choice of deciding what you do and don’t want to have included. Often the ‘extras’ attracted an additional premium so it can be wise to consider every item in detail. Considerations may include:- - Coverage for complete replacement with a new vehicle or cash coverage for an agreed value. - If you are on the road and your caravan is deemed unusable, you may select to have your policy cover a level of alternative accommodation. If you are some days or weeks from home, this may be quite worthwhile. - The fees and other costs that may be involved if you need to have your caravan towed and stored after an accident. - Expenses that you incur as a result of the incident which caused damage to your caravan. - Liability if your caravan causes damage to another person or another person’s belongings or property. Many of Australia’s leading insurers will offer insurance coverage for caravans and RVs and it can be worth doing your research to assess the best options. From the information we’ve provided above, it may be worthwhile listing what you would like included in your policy before you speak with the insurance companies. ## **Sourcing an Insurance Policy** Just like arranging finance, sourcing an insurance policy involves consideration of the options and providers available. Numerous insurers will offer policies for caravans so you will have plenty to select from. If you are unsure about embarking on this process yourself, engaging an insurance broker to source you the policy that suits you is an option. An insurance broker operates in a similar way as Jade’s business model. Jade handles all your loan requirements by surveying our contacts across the loan sector and an insurance broker does the same in the insurance market. While Jade Caravan Finance does not provide insurance broking services ourselves, we do have contacts with insurance brokers that we are happy to share with you. Our consultants are highly trained and experience in finance and very knowledgeable in aspects of insurance also. Please feel free to give us a call with any questions. When taking out a [Secured Caravan Loan with Jade](/secured-caravan-finance "Secure Your Caravan with Jade's Secured Loan") you will be required to take out an insurance policy and the lender will request the details of your policy. You will be asked for updates each year so the lender knows the policy has been renewed. By not renewing the policy you may be in default of your loan conditions. **For information on caravan finance and insurance contact Jade Caravan Finance at 1300 000 003** DISCLAIMER: THE INFORMATION AND THE DETAILS THAT HAVE BEEN INCLUDED IN THE ARTICLE ARE PROVIDED AS GENERAL INFORMATION ONLY. THERE IS NO INTENTION THAT THIS BE THE ONLY SOURCE OF FINANCIAL INFORMATION *FOR THE READER. IT IS INTENDED AS GENERAL IN NATURE. IF A READER CONSIDER THEY REQUIRE FINANCIAL ADVICE AROUND THEIR OWN PERSONAL FINANCES, THEY ARE DIRECTED TO CONSULT WITH A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ANY ERRORS OR MISREPRESENTATIONS OF DATA, FIGURES, FEATURES AND INFORMATION AS SOURCED FROM OTHER SOURCES SUCH AS MANUFACTURERS OR GOVERNMENT DEPARTMENTS AND AUTHORITIES.* **Categories:** Loan Tips --- ### [No Deposit Caravan Finance: Explainer](https://www.jadecaravanfinance.com.au/blog/loan-tips/no-deposit-caravan-finance-explainer) **Published:** January 4, 2021 **Author:** Publisher **Content:** When buying a caravan or other goods such as cars and boats, you are highly likely come across the term ‘no deposit finance’. This is usually advertised by dealers and can be very effective in attracting buyers who want to buy without having to use their cash as a deposit. But there is somewhat of a different meaning or interpretation between no deposit being requested from a seller and no deposit finance as provided by lenders such as Jade Caravan Finance. To clearly set out our [no deposit finance option for your caravan loan](https://www.jadecaravanfinance.com.au/no-deposit-caravan-finance) we’re covering a number of aspects, explaining how you can source this option in your caravan loan. ## **Seller Deposit v No Deposit Finance** Caravans are usually custom or built to order so it would be expected for the dealer or manufacturer to request some form of upfront payment so they have the purchase confirmation to proceed with building your caravan. So that’s a deposit requested by the seller which is different from a deposit or no deposit finance. No deposit finance is defined as including 100% of the purchase price in your [caravan loan](/ "Explore Caravan Loans"). That is a very common process and a request that our consultants are dealing with all the time, you could say most of the time and it is quite achievable for most caravan finance applicants. So if the dealer asks for a deposit but you want 100% purchase price finance, what are your options? The options depend on a number of factors but we’ll outline some possibilities:- - Depending on the timeframe between when you order your caravan and when it will be ready for delivery, you could organise pre-approved finance and pay the full amount at time of ordering rather than a deposit on order and the balance on delivery. - Advise the dealer that you are organising 100% purchase price finance and request they treat your deposit as a ‘holding deposit’ and refund/return it to you when the lender finalises the caravan purchase invoice with your loan funds. There may be some scenarios where an individual lender doesn’t accept a certain application for a 100% purchase price loan. The reasons for this can vary and may involve the purchase of an older caravan or in regard to issues around the [credit profile](https://www.equifax.com.au/sites/default/files/EFX_credit-profile-infographic.pdf) of the applicant or the application not meeting the lender’s requirements. In these instances the lender may approve the borrower for a lesser loan amount which would effectively require a deposit to be paid. But for many customers, our Jade consultants can achieve the full purchase price, no deposit loan option. ## **Our No Deposit Caravan Loan** Our no deposit caravan finance is available on our [Secured Caravan Loan](/secured-caravan-finance "Secure Your Caravan Dreams with a Secured Loan"), the most popular type of loan for buyers of all types of caravans and recreational vehicles. - The loan amount includes the full purchase price of the caravan and the caravan is used as security against the loan. - Jade negotiates individual loan deals to ensure our [cheap caravan finance interest rates](/interest-rates "Affordable Caravan Finance Interest Rates") which are fixed for the term of the loan. - The loan term and the loan repayments are also fixed. - The repayments are in equal monthly instalments due on a set date each month. A direct debit is arranged when the loan is established so if you’re travelling in your van, you won’t miss making a payment. - This type of loan allows the borrower to make additional payments if desired and if the loan is finalised early only minimal break fees are charged by lenders. This is a standard consumer finance loan structure with the added benefit of having your Jade consultant handle all the sourcing quotes, negotiating with lenders, liaising between lender and seller for settlement and handling the paperwork. ## **What caravans is a no deposit loan available for?** Our no deposit caravan finance is highly versatile and suitable for the purchase of all types of caravans and other variants within the caravan category: camper trailers, toy haulers, hybrids, off-road vehicles, RVs, motorhomes and all variations of slide-on and pop-up and pop-out models. Jade is a major lender in the leisure market and we offer finance for vehicles from all major Australian manufacturers for both new and used models. ## **No Deposit Finance Inclusions** No deposit caravan loans cover 100% of the purchase price but don’t forget those accessories. Many caravan manufacturers offer optional packs, upgrades and a selection of accessories so buyers can set-up their vehicle to suit their travel style. When ordered at the same time as your caravan, these accessories can included in the purchase order and in your no deposit finance. Caravans require registration and if this is handled by the dealer on your behalf and included in the sales invoice with the purchase cost of the caravan, then it should be able to also be included in your loan. When arranging your no deposit caravan loan don’t forget to mention these and any other extras for inclusion in the total loan amount. **To discuss no deposit finance for your caravan purchase, call 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** *DISCLAIMER: THIS INFORMATION HAS BEEN PREPARED FOR THE PURPOSE OF GENERAL INFORMATION AND IS NOT INTENDED AS FINANCIAL ADVICE OR THE ONLY SOURCE FOR THE PURPOSE OF MAKING INDIVIDUAL FINANCIAL DECISIONS. IF A READER CONSIDERS THAT THEY REQUIRE ADVICE ON THEIR FINANCIAL SITUATION, PROFESSIONAL ASSISTANCE AND ADVICE SHOULD BE SOUGHT FROM A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ANY MISINTERPRETATIONS OR ERRORS IN DATA, CONTENT AND INFORMATION AS SOURCED FROM OTHER PARTIES. THE INFORMATION PRESENTED IS FOR GENERAL INFORMATIVE PURPOSES AND READERS ARE ADVISED TO FOLLOW UP INDEPENDENTLY.* **Categories:** Loan Tips --- ### [Jade's 2021 Caravan Finance & Costs Update](https://www.jadecaravanfinance.com.au/blog/loan-tips/jades-2021-caravan-finance-costs-update) **Published:** January 12, 2021 **Author:** Publisher **Content:** The caravan industry experienced an uptick in sales and interest in 2020 due to [coronavirus travel restrictions](https://www.health.gov.au/news/health-alerts/novel-coronavirus-2019-ncov-health-alert/coronavirus-covid-19-restrictions/coronavirus-covid-19-domestic-travel-restrictions-and-remote-area-access) limiting the holiday plans for many Australians. Many just opted to buy a caravan so they would have the freedom and flexibility to make their own plans. We’ve helped many new caravan buyers secure their recreational vehicle of choice with our [cheap interest rate caravan finance](/ "Discover Affordable Interest Rate Caravan Finance") and we’re geared up and ready for all the 2021 buyers. We’ve launched a new website resource, our Lender Comparison chart, which displays the interest rates that many lenders are currently offering on caravan finance with our own cheap Jade rates. It’s a self-serve loan estimation tool which allows you to calculate estimated repayments. Very handy and easy to use so make you bookmark the webpage for future, quick reference. Our team continues to stay across the news in the caravan industry as much as possible and we’re continually posting new stories and articles with finance and caravan product news. Now, we’ve put together this brief overview of our caravan finance and other dates and issues to note for 2021. We hope you find it helpful and informative and of course, you can always just give Jade Caravan Finance a call for a quote or start your caravan loan application. ## **Changes to Consumer Credit Laws** As part of the [2020/21 federal budget](https://budget.gov.au/), Treasurer Josh Frydenberg the government proposed [changes to consumer credit laws](/blog/loan-tips/reforms-to-consumer-credit/ "Reforms to Consumer Credit | Jade Caravan Finance") which are due to come into effect in April 2021. These changes, which we have covered in detail in another article, aim to simplify the consumer loan process and make funds more accessible, particularly in relation to home loans. These changes may make it easier for some people to access caravan finance, but we assure you, if Jade Caravan Finance is arranging your caravan loan, you are assured of a timely, streamlined process. Any changes made to the laws will not affect the structure of our Jade Secured Caravan Loan. ## **Caravan Loan Interest Rates** Interest rates in Australia reached historic lows in 2020 and that situation should remain constant for at least part of 2021. The RBA will be considering economic growth and employment figures as well as global trends in deciding if they will make any changes to the cash rate. Note that Jade arranges our [Secured Caravan Loans at a fixed interest rate](/secured-caravan-finance "Explore Our Fixed Interest Rate Secured Caravan Loans"). That rate remains the same from the time the loan is finalised through the entire loan term. So any changes to the official cash rate during your loan term will not affect your individual caravan loan. Even if the lender that we have arranged your caravan loan with changes their interest rate, your existing loan will not change. ## **Jade’s Secured Caravan Loan** Through 2021 our Secured Caravan Loan remains the same in structure and features and sourced at our better interest rate policy. This is the most suitable loan for most caravan buyers – new and used – and can be used for buying all types of caravans: traditional, off-road, camper trailers, slide-ons, pop-tops, RVs, mobile homes and toy haulers. [No deposit caravan loans](/no-deposit-caravan-finance "Secure No Deposit Caravan Loans") are achievable so you can borrow 100% of your purchase price in your finance. Our pre-approved loan service continues in 2021, so you can have your loan sourced and approved before heading to one of the caravan dealers or shows to view models. ## **Reduced Costs – Spirit of Tasmania** For those heading to the Apple Isle for a holiday or tour (great choice) there is a reduced fee for travelling on the [Spirit of Tasmania](https://www.spiritoftasmania.com.au/). According to reports, it will be free for passengers to bring their car on the vessel from March 2021 through to June 2021. For passengers travelling with a caravan, they are reported to receive the $240 (average) return savings for that vehicle. This makes it cheaper for caravan owners to travel to Tasmania and support local tourism and caravan park operators. ## **Compliance Changes** According to news out of the [Caravan Industry Association](https://www.caravanindustry.com.au/), big changes are in store for caravan manufacturers in 2021. [The Road Vehicle Standards Act commences on 1 July 2021](https://www.infrastructure.gov.au/new-road-vehicle-standards-laws-commence) and RV manufacturers and importers will need to comply. There were also changes to the gas installation standards in late 2020 and enforcement commences early 2021. When purchasing a new caravan, ensure the manufacturer is compliant with all new requirements. ## **Diary Dates 2021** - We’ve posted an article with many of the dates for the caravan and camping shows for 2021 so please refer to this and note the dates. - Renew your caravan registration by the due date or risk penalties. - April: changes to consumer law - May: Federal and State Budgets – watch for any measures and policies that may benefit you. - June: EOFY – good time for EOFY sales so a good time to buy many items. Year round – our Jade Caravan Finance team is available to source and arrange your caravan loan. Apply online or just apply over the phone. **To discuss options for your caravan loan call 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** *DISCLAIMER: THE CONTENT IN THIS ARTICLE IS PREPARED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. THIS CONTENT IS NOT PROVIDED AS FINANCIAL ADVICE. IF YOU REQUIRE ADVICE ABOUT YOUR PERSONAL FINANCIAL SITUATION IT IS RECOMMENDED THAT YOU CONSULT WITH A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED IN REGARD TO ERRORS OR MISREPRESENTATION OF CONTENT AS IT PERTAINS TO GOVERNMENT MEASURES AND POLICIES, PRODUCT SPECS AND DETAILS AND OTHER DATA AS SOURCE VIA THIRD PARTIES.* **Categories:** Loan Tips --- ### [Cheap Finance for Toy Haulers](https://www.jadecaravanfinance.com.au/blog/loan-tips/cheap-finance-for-toy-haulers) **Published:** January 16, 2021 **Author:** Publisher **Content:** Caravans provide great freedom and flexibility in travelling but with traditional caravans, there is often a premium on space. Depending on the vehicle you have for [towing your caravan](/blog/caravan-articles/beginners-guide-to-towing-a-caravan/ "Beginner’s Guide to Towing a Caravan"), the options for taking your toys – bikes, boats, watercraft etc – can be limited or non-existent. If you’re the active type that wants to take your recreational equipment with you on your caravan adventure, then we suggest you consider a toy haulers. Toy hauler is a category or type of caravan which has specific features and inclusions for carrying ‘toys’ such as motorbikes, kayaks, canoes, jet skis, small tinnies, mountain bikes and other heavy recreational equipment. Typical features of toy hauler can include a fold down back wall which easily converts to a platform or deck and ramp to load the toys. Inside, space is especially set aside for safe stowage of the equipment. Some designs may contain the ‘carrying’ component to external bars or connections specifically designed for certain items. If considering buying a toy hauler, be assured, [Jade Caravan Finance provides our full lending service and cheap finance](/ "One-Stop Lending and Cheap Finance Solution") for this category of caravans. There are quite a few toy haulers available on the Australian market with sizes and price range to cover many budgets. We’ve selected just a few to highlight and we highly recommend you try to attend a caravan and camping show to see these terrific caravans in person. ## **Jayco Toy Haulers** [Jayco](https://www.jayco.com.au/) is one of the most well-known and popular caravan manufacturers in Australia. They have a great range of vehicles to suit many buyers including toy haulers. Jayco offer the [Work ‘n Play](https://www.jayco.com.au/range/toy-haulers/work-n-play) and the [Basestation](https://www.jayco.com.au/range/toy-haulers/basestation-toy-hauler) models. The Work ‘n Play is described as part caravan and part garage and Jayco suggest it can used as a toolbox ‘on the go’. At just 17 foot it is a small caravan but with the Jayco touch it is massive on features. It sleeps four, has a great kitchen and other amenities plus can carry 2-3 bikes with all their gear. The Basestation is a bigger option at 23 feet and has plenty of accommodation for up to 8 people plus a garage zone. This zone can take your kayaks, motorbikes and other toys and features the fold down ramp for each access. ## **Austar Toy Hauler** [Austar has a large range of toy hauler models](https://www.austartoyhauler.com.au/) to suit different toys, recreational activities and budgets. The models include the 14 footer Hangar and Playmate, the 15-foot Playzone selection, the 12-foot Runaway and the 19-foot luxury 3Style model. The 3Style is a serious vehicle with an awesome bold exterior, a massive fold out awning and a huge rear garage area for all those toys. While not in use for toys the area is fitted with 4 bunk beds. So you can have your toys and your mates. No skimping on features, the 3Style has a well-equipped kitchen, shower bathroom and plenty of space. Austar Toy Haulers are located in the Victorian caravan manufacturing hub at Campbellfield and specialise in you guessed it, toy haulers. They use 3D modelling during the design phase so you can discuss your specific requirements with the Austar team and see in 3D how your ideas will play out. ## **New Age XU Series** [New Age Caravans](https://newagecaravans.com.au/) are renowned for luxury and versatility but they also produce a very rugged toy hauler in their XU – Extreme Utility – Series. For the true outdoor adventurer, the XU has space for jet skis, motorbikes, kayaks, mountain bikes and other recreational toys and equipment. The 22 foot XU has a rear ramp that provides access to the garage and space for the toys without impinging on the main living and cooking space. When you’re not transporting the toys, the garage becomes a sleeping area with four bunks. ## **Toy Hauler Loans** Jade provides our [Secured Caravan Finance](/secured-caravan-finance "Secure Your Caravan Financing with Us") for those looking to purchase a toy hauler. This is a highly versatile loan that your Jade consultant sources and negotiates to suit your individual requirements. - [Fixed, cheap interest rate caravan loan](/interest-rates "Secure a Fixed, Affordable Interest Rate Caravan Loan") - Fixed loan term - No deposit finance so you can borrow 100% of the toy hauler price - Option to make additional payments if required - Toy hauler used as the security against the loan To convert toy hauler advertised prices to possible loan repayments, simply use our [Caravan Finance Calculator](/loan-calculator "Plan Your Caravan Financing with Our Calculator") or refer to our Compare Lenders Calculator. Or just call us or apply online to start the loan application process. ## **Pre-Approved Toy Hauler Loans Available** If you’re heading to a caravan show or one of the toy hauler manufacturers, it can be a great help to have us arrange your finance beforehand. Same process as applying for a loan, same quick quotes and fast approvals plus you have the confidence to order your van on the spot. **To discuss finance on a toy hauler speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: THE CONTENT IN THIS ARTICLE IS PREPARED SOLELY FOR GENERAL INFORMATIONAL PURPOSES. THIS CONTENT IS NOT PROVIDED AS FINANCIAL ADVICE. IF YOU REQUIRE ADVICE ABOUT YOUR PERSONAL FINANCIAL SITUATION IT IS RECOMMENDED THAT YOU CONSULT WITH A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED IN REGARD TO ERRORS OR MISREPRESENTATION OF CONTENT AS IT PERTAINS TO GOVERNMENT MEASURES AND POLICIES, PRODUCT SPECS AND DETAILS AND OTHER DATA AS SOURCE VIA THIRD PARTIES.* **Categories:** Loan Tips --- ### [Hitching Up Your Tax Cut](https://www.jadecaravanfinance.com.au/blog/loan-tips/hitching-up-your-tax-cut) **Published:** October 20, 2020 **Author:** Publisher **Content:** As financial sector professionals our [Jade Caravan Finance](/ "Your trusted source for competitive caravan loans") team was watching intently to the Treasurer’s annual budget announcements, both prior to the official release and in the formal bringing down of the budget in Parliament on 6 October. We swiftly brought our customers an overview of the inclusions relevant to the lending sector with a general article. Now we can focus more on what key elements of the budget may mean to your caravan loan. Whether you have an existing loan, a pre-approved loan, have a loan application being processed or are planning to apply for a caravan loan soon, we’re covering possible scenarios for your general information and to assist you with planning your caravan purchase. ## **Review and Update** Focussing specifically on personal income aspects, we bring you up to speed on what happened, how it unfolded and where we’re at with the [2020/21 Federal Budget](https://www.treasury.qld.gov.au/resource/state-budget-2020-21/):- - The Federal Treasurer brought down the Budget on 6 October - The Budget included bringing forward Stage 2 of the Tax Plan announced in the 2018 Budget from the original 1 July 2022 commencement to 1 July 2020 - Stage 2 includes increases to both the 32.5% and 19% tax brackets which provide approximately 10 million workers with tax cuts - The Budget Bill was fast-tracked and passed by the Senate on 9 October - The [ATO](https://www.ato.gov.au/) proceeded to update the relevant tax schedules which were available for businesses to download and access by 13 October With all the official processes in place, the tax cuts should be flowing to eligible tax payers. As the tax cuts were back-dated, the difference between the tax you actually paid and the lesser amount of what you should have paid with the new rates, covering the 1 July to October period, will be reconciled in your 20/21 income tax return. So that’s the background, now for the details on how these tax cuts and your resulting increase in net income, if eligible, may play out in relation to your [secured caravan finance](/secured-caravan-finance "Explore our secured caravan finance options"). ## **Your Caravan Loan and Your Tax Cut** A tax cut or decrease in the income tax rate results in more money in the pay packets for those eligible and in finance terms that is your net income. Net income is your earnings and that is relevant to lenders when you apply for finance. It is considered in relation to your expenses when your loan application is assessed. Essentially this reflects your ability to service a loan. The impact on your loan of an increase in net income, that is the result of a decrease in tax payable, will vary across the different phases of a caravan loan. We’ve portrayed a number of typical scenarios to explain possible outcomes and any action required. - **Current caravan finance contacts**. If you already have a caravan loan arranged through Jade Caravan Finance, no action is required on your part. We arrange loans for our customers with fixed components – repayments, loan term and interest rate – and an increase in your net income will have no bearing on these. A Secured Caravan Loan does however allow you to make additional payments if you choose. In this case, use your tax cut to pay off your caravan finance faster. - **Pre-arranged caravan loans.** If you have not yet proceeded with your caravan purchase with your pre-arranged caravan loan, you may wish to contact your Jade consultant. This is optional. If your increase in net income is significant you may choose to request a higher repayment amount and have the existing pre-arranged offer amended accordingly. - **Caravan finance deals being processed.** We offer fast approvals but there may be people that have a loan application currently awaiting an offer/approval based on the income before the new tax cuts came into effect. This increase in your net income may improve your loan application so you may like to contact your Jade consultant and advise of the change. - **Recent finance application rejected.** If you recently had a loan application rejected based on income not credit or other issues, you may wish to contact Jade and discuss the possibility of re-applying if your income has significantly increased due to the tax cuts. ## **Applying for a New Caravan Loan** One of the advantages of receiving a reduction in tax and the resulting increase in our pay packet is the possibility of moving ahead with purchasing something we’ve had in mind for a while. For you, that could be finally buying a caravan, camper trailer, RV, motor home or any other type of recreational vehicle. As key finance lenders in the leisure lending sector, [Jade Caravan Finance can provide better interest rates and cheaper deals on caravan finance](/interest-rates "Jade Caravan Finance offers unbeatable interest rates") for a wide range of both new and used vehicles. With our fast approvals and prompt settlement process, we have the ability to get you organised and hitched up quickly and efficiently. **To discuss your options for caravan finance, speak with a Jade Caravan Finance consultant 1300 000 003** *DISCLAIMER: THE DETAILS, INFORMATION, DATA AND MATERIAL PRESENTED IN THIS ARTICLE HAS BEEN SOURCED, IN FOOD FAITH, FROM REPUTABLE SOURCES IN THE PUBLIC DOMAIN. INFORMATION IN RESPECT OF GOVERNMENT ANNOUNCEMENTS, POLICIES, PROGRAMS, MANUFACTURER’S GOODS AND SERVICES AND OTHER SUBJECT MATTER IS OFFERED FOR GENERAL INFORMATIVE PURPOSES ONLY AND NOT IN ANY WAY INTENDED AS A SOLE SOURCE FOR THE PURPOSE OF MAKING FINANCIAL DECISIONS. NO LIABILITY IS ACCEPTABLE FOR ANY ERRORS OR MIS-INTERPRETATION OF FACTS AND MATERIAL. IF A PERSON CONSIDERS THEY REQUIRE FINANCIAL ADVICE IN REGARD TO THEIR SPECIFIC AND INDIVIDUAL CIRCUMSTANCES, THEY SHOULD SEEK INDEPENDENT ADVICE FROM A FINANCIAL ADVISOR.* **Categories:** Loan Tips --- ### [Your Loan and the RBA Rate Cut](https://www.jadecaravanfinance.com.au/blog/loan-tips/your-loan-and-the-rba-rate-cut) **Published:** November 11, 2020 **Author:** Publisher **Content:** While runners were lining up to contest the Melbourne Cup and voters lining up to cast their ballot in the [US Presidential Election](https://en.as.com/en/2020/11/24/latest_news/1606210905_246739.html), on Tuesday 3 November, the Board of the [Reserve Bank of Australia](https://www.rba.gov.au/) was meeting to consider what further measures they could take to support economic recovery. Depending on your personal area of interest would have determined which event attracted more of your attention. As leaders in leisure lending, our team at [Jade Caravan Finance](/ "Explore Jade Caravan Finance for Affordable Loans") was focused on the RBA meeting rather than the race meeting or the race to the White House and we were very pleased with ensuing announcement. To catch you up, earlier in the year, the RBA announced a cut to the official interest rate, known as the cash rate, along with other measures to work with the Federal Government’s fiscal measures in addressing the economic impacts of COVID-19. At its November meeting, further measures were decided, the main one of interest to you and to us, was reducing the cash rate by 15 basis points from 0.25% to 0.1%. It also reduced the rate on overnight funds transfers/borrowings for banks which should further reduce the banks’ costs. So what does all this mean to our existing caravan loan customers and those planning who are currently planning to apply for caravan finance? We put official rate cuts into perspective for you. ## **Rate Cuts in Perspective** The cash rate is not the rate that applies to consumer finance such as caravan loans. So no, we’re sorry, but 0.1% won’t be the interest rate on your caravan loan. The cash rate, also known as the official interest rate, is the rate associated with banks sourcing their funds and as such is the basis for each lender structuring their own lending rates. Once the RBA acts in this way, it is then up to each lender to decide if they will pass on all, none or part of the percentage change via their own rates to their own customers. In the past, some lenders have failed to pass on the full rate cut. But the current pressure on the banking sector and the need to stimulate the economy has seen more banks pass on the full rate cuts. All major banks have agreed to pass on the November cut. Pass on to who? Specifically, names were to some existing home mortgage holders and some existing business loans will benefit with a reduction in the interest rate to their existing loan. As you may be aware if you hold a home loan, they are structured differently from consumer loans such as Secured Caravan Loan. For existing caravan finance contracts which are at a fixed interest rate, no change is expected. But be assured, Jade Caravan Finance always searches for the cheapest rate for all our customers and we arrange fixed interest rates to provide our customers for that cheap rate for their full loan term. That means assurance and certainty for you moving forward. In regard to prospective new customers, Jade will be adjusting our advertised interest rate on caravan finance in line with the variations made by the many lenders we are accredited with. When you request a quote or submit a loan application, your Jade consultant will be sourcing you a loan offer at the [cheapest interest rates on caravan finance](/interest-rates "Discover the Cheapest Interest Rates on Caravan Finance") achievable. Caravan loans and the interest rates applied to the loan are assessed on an individual basis. The lender makes their own risk assessment of the applicant based on credit profile and the application details. Details of the caravan being purchased, if second hand, are taken into consideration. ## **Refinancing Option** The first thing many think of when they hear the words ‘interest rate cut is – refinance. Jade Caravan Finance provides refinancing services and can assist you with a quote. If your loan was arranged by someone other than Jade and at a higher rate than we can achieve for you, then refinancing may put you in a better position. But a number of factors should be considered. [Secured Caravan Finance](/secured-caravan-finance "Secure Way to Fund Your Adventures") contracts will usually include break fees. This is a fee charged by the lender when a loan is paid out before the loan term is due to conclude. By refinancing, you are paying out a loan early. A new loan is being established. So the costs of both establishing a new loan and paying out the old one need to be accounted for. Another factor is the caravan itself. You may have purchased your van brand new and your existing loan will reflect that. But applying for refinancing means applying for a loan for a caravan which is now a number of years old. That would be considered a used caravan and may attract a different interest rate or loan conditions. ## **Where to From Here?** The November rate cuts look like leaving interest rates at even lower levels for some time. [Dr Lowe, Governor of the RBA](https://www.rba.gov.au/about-rba/people/gov.html) has been talking end of 2021 or 2022. So if you’re thinking of upgrading to a new caravan or purchasing your very first, it’s looking like this current timeframe is the best you’ll get in terms of loan conditions. No further cuts are envisaged. To apply for a caravan loan, simply give us a call or complete our online application form. Or contact us for quick quote. **For loan quotes on the caravans, camper trailers, motorhomes and RVs, speak with a Jade Caravan Finance consultant 1300 000 003** *DISCLAIMER: THE INFORMATION, OPINIONS, DATA, POLICIES, PRODUCT SPECIFICATIONS AND OTHER CONTENT CONTAINED AND EXPRESSED IN THIS ARTICLE HAS BEEN OBTAINED THROUGH RECOGNISED REPUTABLE SOURCES, PRIMARILY IN THE PUBLIC DOMAIN. LIABILITY IS NOT ACCEPTED FOR ANY ERRORS OR MISINTERPRETATION OF SAID CONTENT. THIS CONTENT IS NOT INTENDED OR PROVIDED AS THE SOLE SOURCE OF INFORMATION OR AS SPECIFIC FINANCIAL ADVICE IN REGARD TO MAKING DECISIONS BY INDIVIDUALS OR BUSINESSES. THOSE THAT CONSIDER THAT THEY NEED PROFESSIONAL ADVICE SHOULD REFER TO A FINANCIAL ADVISOR.* **Categories:** Loan Tips --- ### [Fast Finance for Slow Touring](https://www.jadecaravanfinance.com.au/blog/loan-tips/fast-finance-for-slow-touring) **Published:** November 18, 2020 **Author:** Publisher **Content:** While state governments focus on road infrastructure projects to stimulate the economy and allow faster commute times, at [Jade Caravan Finance](/ "Discover the Benefits of Jade Caravan Finance") we are well aware that not every driving experience is about getting there faster. Enjoying the caravan lifestyle can be as much about the journey as the destination. Taking the slow way around can be a major part of the experience. But while slow is a great pace for the actual touring, you don’t want slow and time-consuming processes when it comes to sourcing finance to purchase a caravan. Any delays, hold-ups, paperwork jams as opposed to traffic jams and bottlenecks can mean delays in taking delivery of your van or missing out on a great manufacturer deal. In this 2 speed article we cover off on slow ways to tour and fast ways to secure finance. ## **Slow Touring Ideas** For some caravan owners, the van is for holidays at a holiday park and in those cases you probably do want to get to your destination within a certain timeframe and via the quickest route. But for many others, the caravan is a means to an end. The means to end every day in a peaceful, relaxing and possibly new place. Caravan touring provides the opportunity to explore roads which car travellers may not choose. So they are usually less crowded which makes the drive that more enjoyable. These roads also lead you into many regional towns which have been by-passed with the building of the nation’s highway network. These regional towns and communities can always do with support – whether due to drought, floods and bush fires or just due to lack of passing trade. But not every slow road will be of the high standard of a major highway so it pays to plan ahead and be aware of what the lies on the road ahead. It’s also worth checking on special conditions and restrictions in various areas in relation to coronavirus. Mark this link in your references Now, where to go? To assist travellers to find interesting slower ways to travel the NRMA has created As the name suggests, the web page details slow ways to travel along the east coast through Queensland and down through NSW. It has a map and ideas for attractions and places to stop and take in on the way. A handy reference guide to assist in planning your travel itinerary. ## **The Right Van for Slow Travel** If you’re planning on taking the slow way along some less-travelled roads, then you will want to ensure that your caravan is built for that purpose. Caravans, camper trailers, motorhomes and RVs are available in models to suit a range of different road surfaces. The industry-wide descriptions include:- - On-road: designed for the black top, the tarmac and most paved surfaces. - Semi-off road: designed for rougher, unpaved surfaces. You’ll need to check the individual manufacturer specifications for their definition. - Off-road: these vans are usually designed to go off the beaten track and as well as suspension, chassis and other features to suit rough tracks and roads, they also usually include self-sustainable features and inclusions. Some are designed narrower, to be same width as a vehicle so they will go anywhere your vehicle will go without hitting branches etc. You will of course need a 4WD or decent off road vehicle to tow your off-road caravan. Going off road or onto rougher roads doesn’t mean you’ll have to rough it. These vans include all the comfort and luxury you receive in on road caravans. Of course not every slow travel route will entail rough roads but when selecting a caravan, where you want to travel is a major consideration in the decision-making process. ## **Quick Finance Action** Enough about doing things the slow way! When you’re ready to get a new caravan, chances are, you don’t want to take the slow way. While there are ‘showroom-available’ stock to purchase immediately, many caravans are built to order so buyers can select the floorplan, layout, size and other fixtures and fittings to suit. Clearly, this means there is a certain amount of time between placing your order and taking delivery. Any delay is securing your caravan finance may mean a delay in confirming your order and the build of your caravan may be pushed back in the production schedule. When buying a second hand caravan any delay in arranging your loan may result in someone else getting that van ahead of you. Jade Caravan Finance offers a number of resources and service inclusions to expedite your caravan finance deal. - Repayment Calculator. This is a free resource we offer, which can prevent you wasting time on viewing caravans which are not in your budget range. It also assists in budgeting for extras. Use the [caravan loan repayment calculator](/loan-calculator "Estimate Your Caravan Loan Payments") to convert the manufacturer’s advertised price into estimated loan repayments based on our cheap interest rates. - Quick Quotes. Call us for a no-obligation quick loan quote on the van you’re considering. - Pre-approved Finance. We can arrange your loan before you make your final purchase decision so you are in a position to commit to your order then and there when viewing. - Fast Approvals. When working with Jade, you’ll have your own consultant whose role it is to handle your loan application through the entire process. No flicking different stages to different people. Just one person to contact so we can arrange fast approvals. - Streamlined System. As experts in lifestyle finance, we have developed our internal processes and systems around the needs of our customers. A streamlined, smooth process to save our customers time and hassle. - Prompt Settlement. Your Jade consultant will handle the paperwork to ensure prompt settlement to expedite delivery of your caravan. When you’re ready to embrace and enjoy slow travel, take the fast track to get there with [Jade’s low interest caravan finance](/interest-rates "Affordable Caravan Loan Solution"). **For loan quotes on caravans, camper trailers, motorhomes and RVs, speak with a Jade Caravan Finance consultant at 1300 000 003** DISCLAIMER: THIS ARTICLE INCLUDES SPECS, DETAILS, DATA, POLICIES AND MATERIAL WHICH HAS IN THE MOST PART, BEEN SOURCED FROM THIRD-PARTY *SOURCES. NO LIABILITY IS ACCEPTED FOR ANY MISINTERPRETATION OF THAT MATERIAL OR ERRORS IN PRESENTATION. THE ARTICLE IS PROVIDED AS GENERAL INFORMATION FOR READERS AND IS NOT PROVIDED WITH ANY INTENTION THAT IT BE USED AS THE ONLY SOURCE FOR MAKING FINANCIAL DECISIONS. IT IS NOT OFFERED AS FINANCIAL ADVICE AND IS NO WAY INTENDED AS SUCH. THOSE THAT REQUIRE ADVICE AROUND THEIR INDIVIDUAL FINANCIAL SITUATION SHOULD SEEK CONSULTATION WITH A FINANCIAL ADVISOR.* **Categories:** Loan Tips --- ### [Flowing on with River Caravans](https://www.jadecaravanfinance.com.au/blog/loan-tips/flowing-on-with-river-caravans) **Published:** November 21, 2020 **Author:** Publisher **Content:** Continuing our articles covering great Aussie caravan manufacturers, we’re going with the flow with [River Caravans](http://www.rivercaravans.com.au/). A Victorian-based manufacturer that prides itself on their craftsmanship and expertise in design to deliver prestige caravans. The company is an [accredited RVMAP](https://www.caravanindustry.com.au/rvmap) business which means it is accredited with the Caravan Industry Association of Australia. To achieve accreditation, businesses may adhere to Australian design rules and Federal Compliance Regulations. River Caravans presents three series of caravans for you to consider – Diamantina, Dominator and Eliminator. We take a look at what each has to offer you and how [Jade Caravan Finance](/ "Discover the Benefits of Jade Caravan Finance") can source you the finance to secure your River Caravan. ## **River Caravans Diamantina Series** The [Diamantina](http://www.rivercaravans.com.au/) is a stylish series of caravans available in a number of lengths and layouts including the family, rear door ensuite models at 19’6” and 21’6”, 20’ models in both slide out and centre door, 22’10” club lounge and 23’ east west model. So what can you expect inside? In general, a full ensuite, top loading washing machine, fridge/freezer by the highly respected manufacturer Thetford and plenty more individual features depending on which model you select. In the Family for example, there is a queen bed two single bed layout with pillow top innerspring mattresses on a lift-up bed. These lift-up beds with their gas struts provide great extra storage and are a very clever use of space. On the outside, the windows are double glazed, walls are insulated, lockable water fillers and a front boot. Underneath, this caravan is built atop a reinforced 4”by 2” main frame and 4” by 2” A frame with aluminium mesh and galvanised and fully-sealed steel wheel arches. ## **River Caravans Dominator Series** A smaller sized caravan at 18’, but definitely not small in features. [The Dominator](http://www.rivercaravans.com.au/) appears to be packed with everything you’d need and expect for a comfortable life on the road. These series has two layouts with choice of either café style or L-shaped dinette. The layouts feature an impressive use of the space and are clearly designed with the user in mind. On the interior of your Dominator you can expect a Queen island bed or opt for the single bed option. The bed is also a gas strut lift bed to provide useful storage under the bed. Above, you’ll sleep in comfort on the pillow top innerspring mattress. You have heavy duty vinyl flooring, essential for easy care on relaxing holidays and a really well-equipped kitchen area with mains pressure taps and Rangehood. The recessed stove includes three gas and one electric burners, a grill and an oven. Plus there is also a microwave for those quick meals. The chassis has the same features as mentioned for the Diamantina plus checker plate generator box, two water tanks, double stone guard and off road brakes. Solar panels are optional. Clearly this is more the model for those considering exploring down off the black top and down tracks. ## **River Caravans Eliminator Series** [The Eliminator](http://www.rivercaravans.com.au/) is not to be eliminated without consideration from your purchase list. This appears a great option for singles and couples with a 17’6” and 19’ option available. River have made great use of the space to include a full shower combo or mini ensuite (depending on model) as well as the extensive cooking facilities and a Queen sized island bed. This Series includes a similar selection of features and inclusions as the Diamantina and the Dominator. The best way to see what is included in each series so you can start formulating which will best suit you, is to download the brochure. The brochure contains a spreadsheet which details what is/isn’t included in each model. Great comparison tool. When comparing the River Caravan model features, use our [caravan finance calculator](/loan-calculator "Calculate Your Loan with Jade Caravan Finance") to compare estimated repayments for each caravan. The calculator allows you to plan your loan as you you’re your caravan. ## **Financing Your River Caravan Vehicle** River Caravans are custom-built, so you will no doubt want to have your loan approved and secured before you start discussions about what length, which layout and committing to the variations and other options. To ensure your plans for your van match your loan, Jade offers a pre-approved loan service. This involves speaking with us before you commit to a caravan. You can give us your budget to work from, being an indication of what you expect to pay for the caravan that suits your specifications. Your consultant will source you a loan quote based on that estimate and, on your approval, proceed through to having your loan approved and ready to go. You can plan your River Caravan to suit your repayments. All our caravan loans are individually handled with interest rates and loan terms personally negotiated to ensure we achieve the cheapest rates possible. In most cases with new caravans purchased with a [Secured Caravan Loan](/secured-caravan-finance "Get the Best Rates with Jade Caravan Finance"), no deposit is required. Most lenders will finance 100% of the purchase price. Other features of this type of loan include: - [Lowest interest rates caravan finance](/interest-rates "Explore Jade Caravan Finance for Affordable Caravan Loans") - Fixed loan term - Fixed monthly repayment If you’re interested in a loan to purchase one of the models in the River Caravans range, contact Jade to discuss a great deal. **For a quote on a loan for a River Caravan, contact Jade Caravan Finance 1300 000 003** DISCLAIMER: THIS ARTICLE INCLUDES SPECS, DETAILS, DATA, POLICIES AND MATERIAL WHICH HAS FOR THE MOST PART, BEEN SOURCED FROM THIRD-PARTY SOURCES. NO LIABILITY IS ACCEPTED FOR ANY MISINTERPRETATION OF THAT MATERIAL OR ERRORS IN PRESENTATION. THE ARTICLE IS PROVIDED AS GENERAL INFORMATION FOR READERS AND IS NOT PROVIDED WITH ANY INTENTION THAT IT BE USED AS THE ONLY SOURCE FOR MAKING FINANCIAL DECISIONS. IT IS NOT OFFERED AS FINANCIAL ADVICE AND IS NO WAY INTENDED AS SUCH. THOSE THAT REQUIRE ADVICE ABOUT *THEIR INDIVIDUAL FINANCIAL SITUATION SHOULD SEEK CONSULTATION WITH A FINANCIAL ADVISOR.* **Categories:** Loan Tips --- ### [Compare Lenders - NEW RESOURCE](https://www.jadecaravanfinance.com.au/blog/loan-tips/compare-lenders-new-resource) **Published:** December 5, 2020 **Author:** Publisher **Content:** At [Jade Caravan Finance](/ "Your Partner for Affordable Caravan Loans") our cheap loans are based on our better interest rates. It’s not just a slogan or promotional campaign it’s the foundation of our business model and a policy that we have maintained over our 20+ years as a lender in the leisure vehicle sector. But with caravan buyers faced with an increasing number of options in regard to loans, we’ve added another tool to their buying kit – our new compare lenders function. We’re putting our own reputation out there so you can see for yourself how Jade’s cheap interest rates compare with leading lenders. We’ve developed this new online function on our website which enables you to see at a glance estimated loan repayments on caravan and RV loans from a range of sources including Jade. To make it easy, we’ve included our comparison table on our home webpage and on several of our other product web pages for your convenience. Most caravan buyers want the cheapest finance deal available. The cheaper your caravan loan, the more dollars you have to spend on other activities while you’re travelling. But surveying the entire finance scene to see what loan offer you might get from a range of different lenders is a very time consuming task. Our lender comparison table allows you to do that right here, with just one stop. So we’re now saving our customers time in two ways – we have access to multiple lenders to quickly provide you with the best deal and we save you time shopping around yourself to compare. We’ll take you through the basics of this great new finance tool. ## **Using Jade’s Lender Comparison Table** Our caravan lender comparison tool is an online function which is free and easy to use. It is set out in a table format with Jade Caravan Finance details along with the caravan loan interest rates offered by several other leading lenders in the recreational vehicle sector. - The first column lists the name of the lender and alongside the name, we’ve then included their current advertised interest rate, their advertised caravan loan comparison interest rate. - The column on the far right displays the repayment amount when you enter your data. - Above the table you’ll see two boxes or fields for you to enter your data. You simply input the amount you are interested in borrowing for your caravan loan. That may be 100% of the purchase price of the vehicle. You also enter the number of years you would prefer to repay the loan. - On the completion of those actions, the system automatically calculates a repayment figure which is displayed in the end column. This represents possible repayments from that particular lender for the caravan finance specifications you have requested. *(There are conditions and considerations which we have outlined below.)* - Our system is set-up to regularly update the interest rates being advertised by our selected lenders so the results calculated are as current as possible. The repayment results generated clearly demonstrate how [Jade Caravan Finance cheap interest rates deliver cheaper caravan loans](/interest-rates "Discover Cheap Interest Rates for Affordable Caravan Loans"). To find out exactly what your particular loan repayments will be, contact Jade for a firm quote via the REQUEST QUOTE button or phone us on 1300 000 003. ## **Calculator or Comparison?** You’ve likely noticed that we already have a caravan loan repayment calculator available on our website. So you may be wondering, what is the difference between the calculator and the new lender comparison tool? When and why should you use one or the other? - Both the calculator and the comparison tool calculate loan repayment estimates. - They are individual functions but also complement each other. - The comparison table shows you the different possible repayments from multiple lenders. - The caravan finance calculator tool uses a single interest rate. But you can change the rate to calculate the outcome based on that rate. - The calculator can assist with structuring your loan preferences as it allows for more elements to be varied. - The calculator is quick and easy to compare repayments on different caravans you are considering. Tip: use the comparison table to see that Jade Caravan Finance offers the cheapest deal then head to the calculator page to compare possible repayments on all the RVs you are considering. ## **Keep in Mind…** As with our [caravan loan repayment calculator](/loan-calculator "Caravan Loan Repayment Calculator"), the comparison tool also needs to be used in context. It is a general function which anyone can use. It is formatted to calculate repayments based solely on the interest rate and term. It does not have the capability to take into account aspects around any individual loan application, or fees and charges applied by individual lenders. The comparison tool is most applicable to repayments on new caravans as older models may attract a different interest rate or lender conditions. ## **Confirming Your Repayments** The comparison tool is quick and easy to use and we hope a great assistance for anyone seeking finance to purchase a caravan. The quick and easy way to receive a confirmed repayment level is to request a caravan finance quote from Jade. **For a caravan finance quote contact Jade Caravan Finance at 1300 000 003** DISCLAIMER: THE INFORMATION THAT *HAS BEEN PREPARED AND PRESENTED IN THIS ARTICLE IS INTENDED FOR GENERAL INFORMATIVE PURPOSES ONLY. IT IS NOT IN ANY WAY MEANT TO BE USED AS THE ONLY SOURCE OF INFORMATION OR ADVICE IN REGARD TO FINANCIAL DECISIONS. IF YOU CONSIDER YOU NEED GUIDANCE, WE RECOMMEND YOU SEEK OUT A PROFESSIONAL FINANCIAL ADVISOR. THE DATA, DETAILS, SPECS AND OTHER MATERIAL PRESENTED IS SOURCED FROM VARIOUS SOURCES AND NO LIABILITY IS ACCEPTED FOR ERRORS AND MISINTERPRETATIONS IN PRESENTING THIS INFORMATION.* **Categories:** Loan Tips --- ### [Does caravan finance include 5th wheelers?](https://www.jadecaravanfinance.com.au/blog/loan-tips/does-caravan-finance-include-5th-wheelers) **Published:** September 8, 2020 **Author:** Publisher **Content:** Innovative and inventive manufacturers have expanded and adapted the traditional caravan design and the market now includes quite an extensive range of vehicles. These include the conventional caravan, camper trailers, slide-ons, pop-tops, pop-outs, mobile homes and 5th wheelers. At [Jade Caravan Finance](/ "Affordable Caravan Loans") we provide finance for all these types of recreational vehicles, subject to lender guidelines. A Fifth Wheeler derives its name from the turntable or hitch mechanism which is used to attach the ‘caravan’ to the tow vehicle. The caravan attaches via a hitch or tray of the towing vehicle which resembles a wheel and therefore provides a 5th wheel to the caravan unit. By attaching to the vehicle in this manner the overall towing length is reduced without significantly compromising on internal space. Fifth Wheelers have generally been considered as extremely large and sometimes categorised as ‘big rigs’ which may require a special tow vehicle and may require a special driver licence classification. The larger sizes may also limit your access to some campsites and parks. However, several suppliers currently offer 5th wheelers in a range of smaller sizes which are designed for a couple and more easily towed. Traditionally considered a very large vehicle and a luxurious ‘home away from home’ with some including the type of furniture you would see in a residential home rather than the usual built-in caravan style fixtures and fittings. Many fifth wheelers are custom-built to order so buyers can include what they want to suit their travel plans. If you are considering purchasing a fifth wheeler and wondering how the price quoted may translate into loan repayments, please refer to our [online caravan loan calculator](/loan-calculator "Calculate your caravan loan online") to generate a repayment estimate. ## **Jade Fifth Wheeler Loans** Fifth Wheelers are considered by Jade Caravan Finance as another style of vehicle in the general caravan category and we provide loan offers for this type of vehicle in the same way we do for conventional caravans, mobile homes and camper trailers. The most popular loan for the purchase of a 5th wheeler is the [Secured Caravan Loan](/secured-caravan-finance "Discover the Benefits of Secured Caravan Loans"). This loan has a straightforward format and with Jade’s cheap interest rates and personalised service can be customised to suit your requirements. ## **Secured 5th Wheeler Caravan Loan Features** - Your Jade consultant will source you a loan quote from our large number of banks and lenders and based on your loan briefing. - Your consultant will negotiate the best interest rates, repayment amount and the best loan terms and conditions that suit your application and requirements. - With a secured loan, the lender uses the fifth wheeler as security against the loan. - Your Jade loan will include our signature cheap interest rates which will be fixed for the term of the loan. No need to worry about rate changes while you’re enjoying your travels. - This type of loan has a fixed loan term and fixed monthly repayments. So once you have approved the offer made by your Jade consultant, your fifth wheeler loan will be all locked in for term of the loan. - The secured loan format allows for additional payments to be made, if you choose. Making additional payments would result in the loan being paid out early. Early payout usually attracts only minimal break fees. - Secured fifth wheeler loans can be arranged prior to you finalising the order with the manufacturer. This is known as a pre-approved loan and may be helpful to some buyers by knowing your affordability limits and provide the confidence to confirm your purchase. - Secured fifth wheeler loans are available for both new and used vehicles, subject to individual lender guidelines. Some lenders may have conditions in regard to the age of some vehicles. ## **Local 5th Wheeler Manufacturers and Suppliers** There are a number of suppliers and manufacturers of fifth wheelers in Australia, including:- - [Aussie Road Runners](http://www.aussieroadrunner.com.au/) in Brisbane Queensland - [Winjana RV](https://www.winjana5thwheelers.com.au/) in Toowoomba Queensland - [Travelhome](https://www.travelhome.com.au/) in Caves Beach, near Newcastle in NSW - [Fifth Wheelers Australia](https://5thwheelers.com.au/) in Warrenheip Victoria - [Sunliner RV](https://www.sunliner.com.au/) The range offered by the different manufacturers varies from smaller more compact to the largest, most luxurious models. Fifth wheelers are extremely popular in America and with caravanning in general in Australia experiencing increased take-up, so has the popularity of this type of vehicle. One of the key pre-purchase decisions is to assess if your vehicle is suitable to tow a fifth wheeler. ## **Securing a Fifth Wheeler Loan** To arrange your loan, start with a conversation with one of our Jade Caravan Finance consultants. As finance brokers, our complete focus is on your best interests and securing you the best loan offer that fits your requirements. We’ll handle the quote, application processing and assist with finalising the paperwork to save you time and a lot of the hassle which is sometimes associated with sourcing finance. **To discuss a Secured Fifth Wheeler Loan, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: NO LIABILITY IS ACCEPTED REGARDING HOW THE INFORMATION ON MANUFACTURER GOODS AND SERVICES AND ANY GOVERNMENT POLICIES, GUIDELINES AND OTHER INFORMATION IS PRESENTED. SPECIFICATIONS AND FEATURES OF GOODS AND DETAILS OF OTHER ISSUES HAVE BEEN SOURCED FROM PREDOMINANTLY ONLINE PUBLISHED SOURCES. NO LIABILITY IS ACCEPTED FOR ERRORS IN FACTS AND FIGURES OR INTERPRETATIONS. IN REGARD TO FINANCIAL DECISIONS, THE INFORMATION IS INTENDED FOR GENERAL PURPOSES. IT IS NOT INTENDED AND NOT TO BE TAKEN AS FINANCIAL ADVICE. INDIVIDUALS ARE DIRECTED TO REFER TO THEIR OWN FINANCIAL ADVISOR SHOULD THEY CONSIDER THEY REQUIRE PROFESSIONAL ADVICE SPECIFIC TO THEIR CIRCUMSTANCES.* **Categories:** Loan Tips --- ### [Are loans the same for both new and used caravans?](https://www.jadecaravanfinance.com.au/blog/loan-tips/are-loans-the-same-for-both-new-and-used-caravans) **Published:** September 22, 2020 **Author:** Publisher **Content:** Getting into the caravanning lifestyle has been growing in popularity in recent years and the COVID-19 pandemic appears to have accelerated that growth. Reports and news from various sources indicate a surge in people enquiring about buying a caravan. With the changes to international travel, border closures and possibly even the reluctance of some people to holiday in more dense styles of accommodation are most likely at least part of the reasons for this surge. It all sounds like great news for our local Australian caravan industry. Buyers are spoilt for choice when it comes to deciding which caravan brand and which model to purchase. If you’re unsure how to decide ‘which caravan’ we’ve posted a number of articles on the differences between the types: conventional caravan, camper trailer, pop-top, pop-up, pop-out, off-road, motorhomes and hybrids. Price can be a key decision-driver in the recreational goods market and many buyers will no doubt be surveying both new and used vehicles in their search for ‘the one’. The used market can be quite strong and second hand caravans are available through both dealers and private sellers. may be a great place for your search to begin. With many people seeking finance to purchase their caravan, it’s not that used van buyers may be wondering if their caravan loan would differ from finance on a new caravan. At [Jade Caravan Finance](/ "Your Trusted Lending Partner") the types of loans we offer for both new and used vehicles are the same but elements of individual loans may vary. ## **Caravan Loan Types** Jade Caravan Finance offers two types of loans for the purchase of both new and use caravans and other recreational style vehicles. ### **Secured Caravan Loan** This type of loan is the most commonly used finance. It follows a standard loan format:- - The lender accepts the caravan as security against the loan. - The loan term is fixed over a set number of years. - The borrower repays the loan in fixed and equal monthly instalments over the loan term. - Borrowers are allowed to make additional payments if they choose. - If the loan is finalised before the agreed upon loan term, minimal break fees apply. ### **Unsecured Personal Loan** In some circumstances, putting the caravan up as security against the loan is not an option. These circumstances may include: the lender considers the age and/or condition of the van not acceptable as security; the borrower may choose not to offer the van as security for their own personal reasons; or other reasons. When no security is available against the loan, Jade may suggest an [Unsecured Personal Loan](/unsecured-personal-loans "Flexible Unsecured Personal Loans"). This is the loan category where differences in loan conditions emerge when compared with a secured loan. - As no security is offered, the interest rate is higher than for a secured loan. - The interest rate may be variable or fixed. - The loan term and the monthly repayments are still fixed. - Borrowers can make additional payments. ## **Interest Rate Variations** When sourcing quotes, our [Secured Caravan Finance](/secured-caravan-finance "Secure Your Caravan Finance with Jade") consultants cover off on offers from the large number of banks and lenders we are accredited with to ensure we achieve the cheapest interest rate and best conditions for our customers. Interest rates can vary from loan to loan based on a number of factors:- - Individual profile of the borrower and the risk as assessed by individual lenders. - An individual lender’s experience in the caravan sector. ## **Loan Terms and Conditions** Variations will occur from loan to loan, including new caravan compared with used caravans based on a number of factors. - With used caravans, lenders will take into account the age and condition of the vehicle and may vary loan terms and conditions on that basis. This may involve the length of the loan, the term, offered. - Lender may request the borrower to pay a larger deposit to reduce the total loan and their exposure to the loan. ## **Applying for a Caravan Loan** Whether you intend to purchase a new or a second-hand caravan, the process for applying for a loan with Jade Caravan Finance is the same. The service and procedures that we provide to source the best loan for our customers are also the same. There is no obligation to proceed with loan offer made until the final stages of the process and according to the law around consumer loans. - Use our [caravan finance calculator](/loan-calculator "Calculate your caravan finance easily") to get a rough ballpark estimate on repayments or just phone for a quick quote or to commence the application process. - Your consultant will request the necessary information and documentation from you in order to proceed with sourcing you a firm quote from one of our many lenders. - Interest rates and loan terms will be negotiated with the individual lenders to achieve the cheapest rates and the most attractive and acceptable terms and conditions. - Upon acceptance of our quote, your consultant will proceed to process your application and assist you with the paperwork to effect a prompt settlement and enable you to take delivery of your caravan. While the interest rate, loan term and some loan conditions may vary depending on both the individual borrower and the caravan being purchased, new or used, the service provided by Jade Caravan Finance as your finance broker will be consistent. Our focus is purely on achieving the best loan outcome for our customers and ensuring they secure their caravan with the cheapest loan possible. **To discuss a loan on a new or used caravan, speak with a Jade Caravan Finance consultant at 1300 000 003** DISCLAIMER: ALL INFORMATION WHICH IS PRESENTED IN THIS ARTICLE IS INTENDED SOLELY FOR THE PURPOSE OF PROVIDING GENERAL INFORMATION. IT IS NOT UNDER ANY CIRCUMSTANCES INTENDED AS PROVIDING FINANCIAL ADVICE. FOR SPECIFIC FINANCIAL ADVICE ON INDIVIDUAL FINANCIAL CIRCUMSTANCES, READERS ARE ADVISED TO CONSULT WITH A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR INCORRECT OR OUT OF DATE DETAILS IN REGARD TO GOODS, SERVICES, POLICIES AND PROGRAMS MENTIONED IN THE ARTICLE. THE INFORMATION AND DATA QUOTED HAVE *BEEN SOURCED FROM PUBLICLY AVAILABLE SOURCES INCLUDING MANUFACTURER AND GOVERNMENT WEBSITES.* **Categories:** Loan Tips --- ### [Get Hitched-Up, Not Stitched-Up. Things to know about caravan loans.](https://www.jadecaravanfinance.com.au/blog/loan-tips/get-hitched-up-not-stitched-up-things-to-know-about-caravan-loans) **Published:** September 29, 2020 **Author:** Publisher **Content:** Hitching up the caravan and heading off into Australia’s great outdoors should be a completely enjoyable experience. But if you get ‘stitched-up’ with a [caravan loan](/ "Caravan Loans at Jade") that doesn’t really suit your requirements, is priced at a higher interest rate than is achievable from other sources or has been a totally stressed-out, time-consuming hassle of an experience to arrange – your ‘enjoyment’ may be as great as it should be. At Jade Caravan Finance, we’re specialists in recreational and leisure finance and we’re sharing some of the key things that people sourcing a caravan loan should know. From the range of lender options available, to how to suss out when an offer is too good to be true to how to achieve the [lowest interest rate on your caravan loan](/interest-rates "Secure the Lowest Caravan Loan Interest Rates with Jade"). ## **Know Your Lender Options** When seeking a caravan loan, buyers have a range of lenders available to them. Knowing the advantages and disadvantages of each source should assist you in deciding which way to go. - Banks: The banks are usually easily accessible and with most people operating transaction accounts and credit cards, the bank is the popular first choice for most consumer finance. But not all banks offer specialist ‘leisure’ loan categories such as caravans and may offer a more general personal loan. This type of loan may be priced at a higher rate than a specialist caravan lender will offer. Banks have strict loan guidelines which they are not usually in a position to vary. So if you want to talk loan deals, the bank may not be the place to start a conversation. - Direct to finance companies: There is a plethora of non-bank finance companies currently advertising all types of loan offers for consumer finance. Non-bank lenders can be easier to negotiate with than the banks, but they are professionals and trying to negotiate with a professional negotiator may be a tricky exercise in getting what you want. As a business they’re in it to make profits. So watch the fees and charges element of the loan offer. - Manufacturer and dealer finance: Many caravan dealers and manufacturers now offer a finance option and present as a source to both order your van and get your loan at the same place and same time. These are usually arrangements with a separate finance company and there may be commissions or other rebates involved which may increase the loan price. - Finance broker: Using the services of a finance broker such as Jade Caravan Finance allows you to easily cover off on many lender options simply and easily. Jade is accredited with both banks and non-bank lenders so we can source you the cheapest quote from what is currently available across the market. We have contacts with specialists in the leisure/caravan finance sector. When it comes to taking on the tough non-bank lender negotiators, Jade has that covered for you too. Our consultants are highly skilled in that area and with the large amount of business we do in the caravan sector, we have the bargaining power to back us up when negotiating a cheaper interest rate for you. ## **Know Your Loan** The most popular loan for the purchase of caravans, camper trailers, [motorhomes](/motorhome-loans "Explore Motorhomes with Jade Caravan Finance") and other [RVs](/rv-finance "Explore RVs with Jade Caravan Finance") is the [Secured Caravan Loan](/secured-caravan-finance "Competitive Financing Options"). This loan type has a standard format which should be universal across all lenders. - The caravan is used as security against the amount being borrowed. - The interest rate is usually at a fixed rate. - The loan term is fixed and usually represented in months such as 48-60 months/4-5 years. - The repayments are in equal monthly instalments and due on a set date each month. This type of [consumer finance loan is regulated under ASIC rulings](https://asic.gov.au/regulatory-resources/credit/credit-regulation-background/) and all Approved Credit Licensees, must abide by these rulings when arranging and offering personal caravan loans to their customers. - Individual lenders will have their own requirements in regard to individual applicants. - Some may request that a larger deposit be paid and/or have other requirements in regard to minimum/maximum loan amounts and loan terms. - With used caravans, the age and condition of the vehicle will be taken into account by the lender. While the loan format is standard, the actual value of the interest rate and the length of the loan term can usually be negotiated with the right lender to achieve the repayment level that is desired. Working on your behalf and in your best interests, your Jade broker will negotiate the elements of your loan to achieve the best outcome possible. ## **Know when it’s Too Good to Be True** There are a number of loan promotions and special offers that you should be aware of and consider in great detail before accepting on face value. - 0% Interest Rate Loans: Really???? Clearly there has to be a catch with this type of offer. Interest rates may be at historically low levels but consumer finance is certainly not that low. On further investigation you may find that this is a promotional offer. The zero rate is for say the first 6 months of the loan term after which a much higher rate kicks in. Alternatively, this type of offer may conceal much higher fees and charges built into the loan. Always compare the total loan amount and ask for an itemised quote which details the charges. Under ASIC rulings, lenders are required to reveal the fees and charges on loans. - No deposit finance: This is very popular in finance company advertising and to a great extent, it’s quite irrelevant. The lender will not necessarily request a ‘deposit’ from the borrower. The seller may request a deposit from their buyer to secure the sale. If a borrower is wanting to borrow 100% of the purchase price of the caravan, some lenders may request that the borrower pays a deposit to reduce the total loan amount. This would be based on the lender’s assessment of the overall loan application. This is the type of aspect that your Jade consultant can negotiate on your behalf. ## **Know Your Broker** Having Jade Caravan Finance as your finance broker can deliver significant benefits to your loan search. You will be assigned your own broker so you’ll have a single point of contact throughout the process to easily stay across what’s happening. **To know more about sourcing a cheap caravan loan, contact Jade Caravan Finance at 1300 000 003 to discuss a loan** DISCLAIMER: INFORMATION, DATA AND DETAILS OF GOODS, POLICIES AND PROGRAMS THAT IS PRESENTED IN THE ARTICLE IS INTENDED SOLELY FOR THE PROVISION OF GENERAL INFORMATION. UNDER NO CIRCUMSTANCE IS THIS INFORMATION INTENDED AS THE PROVISION OF FINANCIAL ADVICE FOR ANY INDIVIDUAL AND/OR FOR THE PURPOSE OF MAKING SPECIFIC INDIVIDUAL FINANCIAL DECISIONS. FOR ADVICE ON INDIVIDUAL CIRCUMSTANCES, READERS SHOULD REFER TO A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ERRORS, INCORRECT DETAILS OR INCORRECT PRESENTATION OF DETAILS OF GOODS, PROGRAMS, SERVICES, ETC. *AS PRESENTED. THE INFORMATION HAS BEEN SOURCED IN GOOD FAITH AS GENERAL INTEREST AND INFORMATION FROM MANUFACTURER, SUPPLIER AND GOVERNMENT WEBSITES.* **Categories:** Loan Tips --- ### [Reforms to Consumer Credit](https://www.jadecaravanfinance.com.au/blog/loan-tips/reforms-to-consumer-credit) **Published:** October 5, 2020 **Author:** Publisher **Content:** As is customary prior to the release of the Federal Budget, in the last weeks of September the [Federal Treasurer, Josh Frydenberg](https://www.aph.gov.au/Senators_and_Members/Parliamentarian?MPID=FKL), made a number of announcements around what the budget could be expected to include. One of these announcements in particular has attracted our attention and that of many others as it pertains to the consumer lending sector. The announcement was around reforms to consumer credit and involves a number of key measures. For anyone considering taking out a caravan loan or who has existing caravan finance, you may be interested in an explanation of the announcement and what these reforms may mean to your [caravan loan](/ "Discover the perfect caravan loan solutions"). ## **Changes Proposed** Early in the year as the coronavirus pandemic was having a huge impact on both the health of Australians and the economy, the Government made the decision to delay bringing down the annual Federal Budget from the usual May timing to October. It was considered that October would be a better time to assess the effect of the pandemic and what measures would be required to assist recover and stimulate growth. So not surprisingly the focus of the budget will be on economic recovery and especially on creating jobs. In his announcement, the Treasurer stated that the Government considers the free flow of credit both to businesses and to consumers, as a major factor in driving economic growth. Consumers need access to credit in order to make those much-wanted purchases such as a new caravan or camper trailer. Businesses of all sizes rely heavily on credit for investment. But it was identified that the tightening of lending over recent times was creating obstacles to accessing credit. The ‘burden of regulation’ could be a restrictor not a facilitator for recovery. The Treasurer flagged a number of key elements of these reforms, which are designed to remove much of the duplication in the system and simplify the credit framework. Once introduced, these elements are intended to reduce the time spent in accessing credit and the costs faced by businesses and consumers in acquiring the credit needed. While much of the discussion and basis for the reforms is around home mortgages and small businesses, any changes to [consumer credit laws](http://www.legalaid.qld.gov.au/Find-legal-information/Work-and-money/Money-and-debt/Consumer-credit-and-guarantees) will apply to the way in which Jade Caravan Finance provides our range of finance broker services. Under the current arrangements and laws, finance brokers such as Jade Caravan Finance along with all lenders such as banks, finance companies and other non-bank lenders are known as Credit Licensees and regulated by ASIC. We refer you to our article on ASIC regulations for more details. But in addition to meeting ASIC regulations the banks must also adhere to APRA rules. There is duplication in this process. Under the way credit is currently provided, the lender must bear the major responsibility and in so doing, delays have been identified in accessing credit as some lenders go through the rigorous checks and verifications. The key change as outlined by the Treasurer is in shifting that responsibility from the lender to the borrower. The borrower is to take greater responsibility for providing accurate data on their application and the lender will be permitted to rely on the information, eg income and outgoings, as provided. The outcome is expected to be a freer flow of credit. Although changes are planned, consumers will still be protected and safeguarded under consumer protection laws. ## **Moving Forward** While the announcement of these reforms was made in September 2020, the actual implementation is not scheduled until April 2021. Very little detail was provided in the initial announcement and the legislation needs to be drafted, following a process of stakeholder engagement and consultation. Once drafted, the legislation also has to pass both Houses to be enacted into law. - If you currently have a caravan loan there is nothing you need to do and no changes will occur to your loan as a result of these reforms. - If your caravan loan is currently being processed by your Jade Caravan Finance consultant or you are awaiting a quote, there is also no action required on your part. Your current application and request for quote will proceed under the current credit arrangements. - Only those that apply for caravan finance after the reforms have been implemented, currently expected in April 2021, will be subject to the revised arrangements. At Jade Caravan Finance, we adhere to all our required obligations and we still manage to provide a streamlined and easy process for our customers. We can provide quick quotes and fast turnaround of loan applications if you need to finalise your purchase quickly and we assist with the paperwork to save you time and hassle. Above all, with all our caravan finance deals we negotiate the [cheapest caravan finance interest rates](/interest-rates "Explore the cheapest caravan finance options") possible to ensure our customers receive the best finance offers. **If you would like more information on the proposed changes to credit or to discuss a caravan loan, speak with a Jade Caravan Finance consultant at 1300 000 003** DISCLAIMER: DATA, DETAILS AND INFORMATION IN REGARD TO POLICIES, GOVERNMENT PROGRAMS, PROPOSALS AND GOODS AND SERVICES ARE PRESENTED IN THIS ARTICLE FOR GENERAL INFORMATION PURPOSES ONLY. THIS INFORMATION IS, UNDER NO CIRCUMSTANCES, INTENDED AS THE SOLE SOURCE FOR MAKING FINANCIAL DECISIONS OR IS IT INTENDED AS FINANCIAL ADVICE. INDIVIDUALS SHOULD SEEK INDEPENDENT ADVICE IN REGARD TO THEIR PERSONAL FINANCIAL SITUATION. ALL INFORMATION HAS BEEN OBTAINED FROM REPUTABLE SOURCES AND IS PRESENTED AS GENERAL INFORMATION AND INTEREST. NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATION OF INFORMATION AND DETAILS OF GOODS ETC. *AS PRESENTED.* **Categories:** Loan Tips --- ### [A Tour of the Federal Budget](https://www.jadecaravanfinance.com.au/blog/loan-tips/a-tour-of-the-federal-budget) **Published:** October 12, 2020 **Author:** Publisher **Content:** Touring in caravan or holidaying in your camper trailer is a relaxing, carefree enjoyable idea. Analysing the Federal Budget – that sounds far from a relaxing way to spend one’s time. But they do have something in common. If you’re considering seeking finance to purchase a caravan, camper trailer or any other type of RV it makes sense to stay across the financial scene and be up to date with the opportunities are available to you. The Federal Budget sets the scene and establishes many parameters for both the nation and that may impact your individual financial situation. We’re saving you the time of having to analyse the complete budget papers and providing a brief tour through the aspects of the 2020/21 Federal Budget that we see as relevant to our work at [Jade Caravan Finance](/ "Explore Jade Caravan Finance for competitive loan options"). ## **Budget Overview and Background** The [annual Federal Budget](https://budget.gov.au/index.htm) is usually announced, or brought down, in May with the intention that policies, programs and measures can be legislated and in place by the start of the new financial year on 1 July. Due to the disruption to both the economy and many other aspects of life caused by COVID-19, it was decided early in the year to delay the budget until October. The timing was considered as being able to give the Treasurer a better opportunity to frame a budget to suit the specific requirements of the economy when the wider effects of the pandemic could be assessed. Federal Treasurer Josh Frydenberg announced the budget in Parliament on 6 October, with a clearly communicated strategy of jobs creation and a post-COVID and recession-addressing recovery driven by businesses. The budget covers a wide range of measures covering many sectors, individuals, community groups and industries, many of the measures were released in pre-budget announcements. The key issues relevant to caravan finance we have identified as the personal income tax changes and cuts and the changes to the consumer credit laws. ## **Personal Tax Measures** Personal income tax changes were first introduced in the 2018 Federal Budget, where a 3 stage process was announced to be introduced over several years up to 2024. Stage 1 which includes the low income offset and low to middle income offset have already been passed and implemented. Stage 2 was not due to be implemented until 2022 but as an initiative to get money to consumers when it is most needed, Stage 2 was brought forward in the Budget. It is now to be introduced 2 years early from 1 July 2020. The announcement was made on 6 October which means the changes will need to be back-dated. ## **Changes announced include:-** - The low income offset is to be increased from the current level of $445 to $700. This is refunded to eligible taxpayers when they submit they income tax return at the end of the financial year. - The low and middle income offset which varies according to income level, can mean a $1080 refund to some tax payers. This was implemented previously and will now continue for the 2020/21 tax year. As an offset, this is also applied to an individual’s tax return when submitted for assessment at the end of financial year – after 30 June 2021. While these offsets won’t be received by taxpayers until after 30 June 2021, other changes announced will put cash into the hands of individuals as soon as November 2020. Those changes involve adjustments to the tax bracket thresholds. - Currently the 19% tax bracket has a threshold of $37,000. That will increase to $45,000, meaning those earning $37,000-$45,000 will move into a lower tax bracket and pay less tax. - The same process applies to the 32.5% tax bracket. Currently the threshold is $90,000 and that will increase to $120,000. ## **Implementation of the Changes** The first step is to announce a budget measure, the next step is for Government to get their Budget Bill passed in both Houses, legislated and rolled out. The Opposition quickly responded post-Budget announcement, that they would pass the changes through the Parliament so people could start receiving their benefits. So Treasury could promptly started the process to implement the new tax rates. The process involves the ATO preparing and issuing new tax schedules and businesses and payroll processing companies updating their software and systems to cater for the changes. It is expected this process will be finalised by late October – early November. So that brings us to the back-dating issue. The new, lower, tax rates will apply to 3+ months of wages which have already been paid and PAYG withheld at the higher rate. The refund due to individual tax payers will be calculated and refunded at the end of the financial year when they submit their income tax return. ## **Impact for Caravan Finance** The effect of the income tax cuts will provide additional cash to individuals in their weekly/monthly wages. This may make it more attractive for individuals to seek a loan to purchase their own caravan or pay down an existing caravan loan. [Secured Caravan Loans](/secured-caravan-finance "Jade Caravan Finance offers secure and affordable caravan loans") as arranged through Jade Caravan Finance do permit for additional payments to be made to finalise a loan early. Another key budget issue is the changes to the consumer credit laws which are planned to come into effect in April 2021. We have covered this in detail in another article and will keep track of the progress of the legislation through Parliament. **To discuss your options for caravan finance, speak with a Jade Caravan Finance consultant at 1300 000 003** DISCLAIMER: THE DETAILS, INFORMATION, DATA AND MATERIAL PRESENTED IN THIS ARTICLE HAS BEEN SOURCED, IN FOOD FAITH, FROM REPUTABLE SOURCES IN THE PUBLIC DOMAIN. INFORMATION IN RESPECT OF GOVERNMENT ANNOUNCEMENTS*, POLICIES, PROGRAMS, MANUFACTURER’S GOODS AND SERVICES AND OTHER SUBJECT MATTER IS OFFERED FOR GENERAL INFORMATIVE PURPOSES ONLY AND NOT IN ANY WAY INTENDED AS A SOLE SOURCE FOR THE PURPOSE OF MAKING FINANCIAL DECISIONS. NO LIABILITY IS ACCEPTABLE FOR ANY ERRORS OR MIS-INTERPRETATION OF FACTS AND MATERIAL. IF A PERSON CONSIDERS THEY REQUIRE FINANCIAL ADVICE IN REGARD TO THEIR SPECIFIC AND INDIVIDUAL CIRCUMSTANCES, THEY SHOULD SEEK INDEPENDENT ADVICE FROM A FINANCIAL ADVISOR.* **Categories:** Loan Tips --- ### [Which is the best caravan loan: Secured or Unsecured?](https://www.jadecaravanfinance.com.au/blog/loan-tips/which-is-the-best-caravan-loan-secured-or-unsecured) **Published:** June 11, 2020 **Author:** Publisher **Content:** If you’re preparing to purchase a caravan and arranging a loan, that’s a good question to be considering. But not a question that can be simply and easily answered with a 100% definitive response. But at Jade Caravan Finance we’re up for a challenge and have a wealth of finance knowledge to share, so here’s our explainer of secured vs unsecured caravan loans. First, we’ll provide you the details of the features of each loan and then offer some possible scenarios around loan types. ## **Personal Caravan Loans Compared** If you’re purchasing a caravan for personal use your Jade consultant will offer you either a [Secured Caravan Loan](/secured-caravan-finance "Secure Your Adventure with a Jade Secured Caravan Loan") or an [Unsecured Personal Loan](/unsecured-personal-loans "Flexible Financing Solutions") for the purchase. Some elements of each loan are different while some are the same: - Secured loans have fixed interest rates, unsecured loans have variable interest rates. - The lender uses the caravan (or RV, camper trailer or mobile home) as security against a Secured Loan. With an unsecured loan, as the name implies, there is no security. As there is no security, the interest rate on unsecured loans is usually higher than secured loans. - With attracting a higher interest rate combined with the variable as opposed to a fixed interest rate, the unsecured loan will usually result in a larger total amount of interest paid compared with a secured loan over the same loan term. - [Secured loans have minimal break fees](/blog/loan-tips/refinance-your-caravan-loan/ "Refinance Your Caravan Loan") if you payout the loan before the end of the loan term while and the unsecured loan has no break fees. - Lenders are not always prepared to accept older vehicles as security against caravan loans. The concept of the security is that if the borrower defaults, the lender can repossess the caravan and sell it to recoup monies owed. If the lender does not consider an older caravan to have sufficient value, they may not accept it as security. - When arranged through Jade Caravan Finance, both secured and unsecured loans feature our [signature Jade best interest rates guarantee](/blog/loan-tips/cheap-interest-rate-touring/ "Cheap Interest Rate Touring"). - Both loan types feature fixed monthly repayments and a fixed loan term. - Both loan types all extra payments. ## **Scenarios and Considerations** As each caravan loan application has its own individual requirements and specifications, we are not in a position to advise the ‘best’ loan type for you without further discussion and consideration of your individual situation. With all financial decisions, [we advise people to seek expert advice from their financial advisor](https://moneysmart.gov.au/financial-advice/working-with-a-financial-adviser). What we can do, is pose some scenarios and ideas for you to consider when deciding on whether a secured or unsecured caravan best suits your needs. - As mentioned above, if you’re purchasing an older caravan the lender may not be prepared to accept it as security for a secured loan. In that instance, you may opt for the unsecured loan. - If you are purchasing an old van at a great price that you intend to restore and as such increase its value significantly, you may not want to put the van up as security. If you are close to completion of the restoration and spent a lot of money on the project, the caravan will likely be worth a lot more than you paid for it and as such your loan. - If you’re buying a brand new or fairly new caravan which you intend to have for the long term and you want the cheapest loan option available, then a secured caravan loan would be your natural choice. - If you’re paying a significant deposit on your caravan or have a good trade-in and your caravan loan represents a lesser percentage of the value of the van, you may not want to offer the entire van as security against the loan. - If you expect or anticipate you will be in a position to finalise the loan before the end of a standard loan term, eg 4-5 years, then an unsecured loan may be preferred to avoid the break fees incurred with a secured loan. - If you are wanting certainty around your caravan loan with a fixed interest rate that results in fixed monthly payments with no variable interest rate so you can plan your finances into the future, then a secured caravan loan would offer you that level of certainty. These are just a few scenarios to start you thinking around which loan may best suit you and your caravan purchase. You don’t have to wait until you make a firm decision before you start the loan process. You can contact [Jade Caravan Finance](/ "Affordable and Flexible Caravan Loans") at any time to discuss your loan and request a quote for your caravan purchase. If you would like to arrange finance before you start looking at vans, ask about our pre-approved caravan loan service. We can source you an offer based on the price range you are considering, and have your application all approved and your loan sorted. This can provide greater confidence when you are negotiating with sellers. To discuss a secured or **unsecured caravan loan, contact Jade Caravan Finance and speak with our consultants. Call 1300 000 003** **Categories:** Loan Tips --- ### [Responsible Lender Regulations: What You Should Know.](https://www.jadecaravanfinance.com.au/blog/loan-tips/responsible-lender-regulations-what-you-should-know) **Published:** June 16, 2020 **Author:** Publisher **Content:** The finance sector can be complex and we consider it essential that our customers seeking consumer loans have the opportunity to be as well-informed as possible in making their decisions. To educate and inform, we provide these informational and explainer articles to add to your knowledge bank in regard to consumer finance. An integral part of the service we offer at [Jade Caravan Finance](/ "Your Trusted Source for Caravan Loans") is to streamline the caravan loan process to save our customers time and a lot of hassle. But despite our best efforts, there are people that may consider we request and issue a considerable amount of information and that the loan process has many steps. In response, we point out that we are licenced finance brokers and that means we must abide by the laws and regulations as determined by Australian law. The activities we carry out and services we provide as a credit licensee, are covered by the [National Consumer Credit Protection Act 2009](https://www.legislation.gov.au/Details/C2020C00105). An Act which comes under the auspices of the Australian Securities and Investment Commission (ASIC). The sets out detailed responsible lending guidelines and obligations that we must comply with or risk penalties. In apply for or even just making an enquiry regarding a caravan loan, individuals should be aware of the lender regulations as they are intended to safeguard consumers. We’re providing this comprehensive information to give you a greater insight into the caravan loan process and especially what you can expect from your Jade consultant. ## **Role of ASIC** While defined as a ‘Government body’, ASIC is independent and defined as the official regulator tasked with regulating the financial services and corporate sector. This includes consumer credit, financial markets and the activities of corporations. The National Consumer Credit Protection Act is administered by ASIC. This Act clearly defines the guidelines for the obligations and conduct of all credit licensees, that includes banks, finance companies, lenders and licenced finance brokers such as Jade. The conduct and obligations specifically relate to the dealings and interaction between lenders and consumers when seeking consumer loans. When engaging with Jade Caravan Finance, you can be reassured that your consultant is operating under stringent laws at every step of your caravan loan procedure. ## **Responsible Lender Guidelines** All organisations and persons that offer loan services to consumers must hold an [Australian Credit Licence which is issued through ASIC](https://asic.gov.au/for-finance-professionals/credit-licensees/). Jade’s ACL is 484387. If you are dealing with any company or individual in regard to finance, the first question you should be asking is for their ACL. The guidelines that Jade and all other licensees must adhere to are established by ASIC. There are several sections to these guidelines including the lending conduct obligations that must be followed. One crucial element of those obligations is that each licensee must clearly establish and implement their own set of operating procedures which will ensure they do meet their obligations under the Act. A key obligation is that a licensee is not permitted to enter into any credit contract which is unsuitable for that consumer. In the case of caravan finance ‘entering into a contract’ includes offering a caravan loan to any customer, suggesting any credit contract or assisting a person to make an application for a credit contract. It the contract is assessed as unsuitable for you, Jade Caravan Finance is not permitted to offer you that loan. So how do credit licensees comply with the regulations? More specifically you’re probably thinking what are the obligations that Jade Caravan Finance must comply with? What practices and procedures do we have in place to ensure we comply? ## **Obligations of Responsible Lenders** The obligations that credit licensees must comply with as set out by ASIC are: 1. Credit licensees must set out, employ and strictly follow a set of practices to check and verify the financial situation of a customer and assess, for that person, the suitability of a specific loan. 2. Credit licenses must adhere to the obligation of disclosure of information and documentation as specified by ASIC, to the customer. Such information is to ensure that the customer understands the services and costs of the services being provided and that they understand the detail of a specific loan contract that is being offered. Knowing these obligations that responsible lenders such as Jade Caravan Finance must meet, will hopefully provide you with greater insight into the caravan loan process and an appreciation of the reasons for the diligent and thorough approach of our consultants. ## **How Jade Meets the Obligations** Jade has developed and strictly implements a Responsible Lending Flow Sheet for interactions with customers. The Flow Sheet is the process that Jade consultants must follow, step-by-step, in discussions and interactions with caravan finance customers. ### **The Jade procedure is as follows:-** - A copy of the Credit Guide is required to be provided to each customer where discussions have occurred in regard to finance. Our protocols are required to record and retain when the Guide was issued to the customer as our internal confirmation that this step was completed. - If a DOF is proposed, all credit quotes must be signed and the signed quote form part of the application submission. - Applicants must sign the privacy statements as confirmation that a Jade consultant has advised the customer of issues involved in the sharing of their information, as provided, with lenders, in the process of securing a caravan loan offer or a quote. - A Detailed Credit Check is completed which entails the verification of address history, the checking of the customer’s credit score and credit history; and a check of their history of directorships. - Financial Capacity Check is completed for each customers. This particular Check involves the verification of information that a customer has provided in regard to their financial situation. - Living expenses are checked via a verbal process in order for the consultant to confirm that the customer has included all their living expenses. To confirm the verbal discussion occurred and to confirm the detailed expenses that were discussed, a copy of this check is issued to customers. - The next step involves the consultant completing a Pre Lim. This document states that the needs of that customer are being reviewed by that consultant. - The next step is the sending of a Credit Proposal to the customer. This Proposal contains details on the way the consultant advancing with either the enquiry or the application; the total of the loan; the repayment schedule proposed; and additional details with that caravan loan. - Some consumer loans allow for the inclusion of a balloon amount which is payable at the end of the loan term. If the customer requests a balloon, the consultant must discuss with the customer their intention in regard to finalising this balloon amount. - The Jade consultant retains thorough and detailed notes of each step and of each process completed. These notes form the timeline of interactions between the customer and the consultant. This Flow Sheet is in place to ensure that Jade Caravan Finance complies with the [responsible lending obligations](https://asic.gov.au/about-asic/news-centre/find-a-media-release/2019-releases/19-342mr-asic-updates-responsible-lending-guidance/) which by their purpose, provides confirmation that the customer’s best interests are addressed. ### **Obligations of Disclosure** The second part of the Responsible Lender Obligations relates to disclosure of information. Specifically, that all customers, whether just an enquiry or a complete caravan finance applicant, is issued with the information as specified by ASIC. The selection of documents has been specifically made as a documentation which provides people seeking secured or [unsecured caravan finance](/unsecured-personal-loans "Flexible Options for Your Adventure") with the information they may require to fully understand the credit activities provided by Jade Caravan Finance. Additionally, this information intends to assist customers recognise their rights as a consumer, fully comprehend the contract, offers made and help in their decision-making process. This documentation and information includes: Credit Guide: initial information in regard to consumer credit and lending. Quote of Services: specific details of costs and fees for the service that the credit licensee intends to charge. This quote must be accepted by the customer, signed and dated. Proposal Document: details of costs of services with the inclusion of commissions which the credit licensee may be receiving. Written Assessment: when a credit contract, ie a caravan loan, is assessed as not suitable for a particular person, that person must be given a copy of the assessment. ### **The Jade Approach** Jade has implemented this stringent set of processes, procedures and protocols in order to meet our legal obligations and compliance regulations as established by ASIC. However, as a long-term credit licensee, Jade has a long-term commitment to customers to that our actions, attitude and protocols will always be highly ethical and professional. If you are considering approaching a bank or a finance company or another lender for [lowest rate caravan loans](/interest-rates "Your Affordable Financing Solution"), this information will hopefully equip you to check their protocols and be knowledgeable in reviewing the way in which they meet their obligations as a responsible lender. **If you have any questions around any aspects of consumer finance, please contact Jade Caravan Finance and one of our consultants will assist you. Call 1300 000 003** **Categories:** Loan Tips --- ### [Second Chance Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/second-chance-caravan-finance) **Published:** June 22, 2020 **Author:** Publisher **Content:** COVID-19 has wreaked havoc across just about every aspect of people lives and for many businesses. Travel, touring and holiday plans have been especially disrupted with border closures and travel restrictions. For some, the disruption went beyond a change of plan, route or departure date, but having to abandon touring in their own caravan, RV or motorhome altogether because they were unable to secure finance during the coronavirus. If you applied to a bank or finance company during the height of the COVID-19 crisis, ie March to May 2020 for a caravan loan and were unsuccessful we’re reaching out to invite you to contact Jade and discuss a ‘second chance loan. We’ve been prompted to post this call-out after reading a story in the mainstream media where some new car dealers had lost sales during the pandemic because their buyers had their car loan applications rejected. Buyers that the dealers felt were solid credit applicants and should have been successful. Due to the issues faced by the lending sector at the height of the COVID-19 crisis, we guess that similar scenarios may have been happening at caravan, RV, motorhome and camper trailer showrooms also. But conditions have eased and if you were turned down for a caravan loan earlier this year, we encourage you to contact us to see what solutions we can offer. ## **Focus on Lending During COVID-19** We’ll give you a quick overview of what, how and why some of the issues played out in the lending sector due to coronavirus with the intention of explaining why now may be the time for you to move forward with your caravan purchase and touring plans. - While we have the utmost respect for car, boat and caravan dealers, they are not qualified to make assessments as to the suitability of an individual for a loan. Lenders such as banks, finance companies and finance brokers must be qualified and licensed through ASIC and strictly adhere to the [guidelines for responsible lending](https://asic.gov.au/regulatory-resources/credit/responsible-lending/) as set out by ASIC and as per the National Consumer Credit Protection Act 2009. We recently posted an article explaining all the details around this topic and we refer you to that article for further information. - As we have related on a number of occasions in our articles, when the reality and extent of the economic impact of COVID-19 hit Australia, the banking sector was hit hard. The major banks were inundated with requests for loan payment deferrals and to provide support for both individuals and businesses. - It all happened quickly and understandably, the lenders tightened their lending practices while they assessed the situation. Simply, they made it much more difficult to achieve consumer loans. - As the restrictions imposed by Governments were lifted, businesses began reopening and the economy started to return to something as close to new normal as possible, the lenders also eased some of their restrictions. We are finding it much easier to source loans for customers in mid-year than in the March-May period. So if you were caught up in all that, you had plans to buy a caravan with a caravan loan and your application declined, now might be a better time for our Jade Caravan Finance team to source you a great loan offer. ## **How can Jade Caravan Finance find you a solution?** - With the lending situation eased since you made your application, you may now be have your caravan loan application approved. However, if you approach the lender yourself, by making multiple applications you risk having a negative effect on your credit profile. - When a finance broker sources your loan, even contacting multiple lenders, this does not impact your credit profile. - As experienced finance brokers, we are accredited with multiple lenders including the major Australian banks. We can source your loan from a greater number of lenders, providing greater choice and greater chances. We’ll even approach your bank, if you want, on your behalf. - Our consultants are skilled negotiators and backed with our strong bargaining power, we are well-placed to deal with lenders and negotiate the best deal for you. - Our service is comprehensive and streamlined. We provide fast approvals, handle initial enquiries to source you an offer, on acceptance of that offer we finalise the loan and assist with the paperwork. - Our [Caravan Finance](/ "Explore Affordable Caravan Finance Solutions") services are available to both businesses and individuals. - We provide loans for all types of recreational vehicles: traditional caravans, motorhomes, RVs, camper trailers, toy haulers and pop-tops both new and used. With interest rates at historic low levels, this may be a good time to [secure caravan finance at our best interest rates](/secured-caravan-finance "Get the Best Interest Rates with Our Secure Caravan Finance"). The timing may have played into your hands on a different front also. Mid-year coincides with EOFY special offers and clearance sales being offered by some caravan manufacturers. Caravanning will be a popular way to travel and holiday as international travel is off the cards for the time being. Jade Caravan Finance is ready to make that a reality for you. **To discuss a second chance caravan loan contact Jade Caravan Finance at 1300 000 003** *DISCLAIMER: THIS INFORMATION HAS BEEN PROVIDED AS GENERAL MATERIAL FOR YOUR CONSIDERATION. INFORMATION IN REGARD TO GOVERNMENT POLICIES IS SOURCED FROM OFFICIAL AUSTRALIAN GOVERNMENT SOURCES. NO LIABILITY IS ACCEPTED FOR ERRORS IN PRESENTATION OR IN THE INTERPRETATION OF FACTS OR THE COMMENTARY AND ANALYSIS OF INFORMATION THAT IS AVAILABLE IN THE PUBLIC DOMAIN. INDIVIDUALS ARE ADVISED TO CONSULT WITH THEIR FINANCIAL ADVISOR OR ACCOUNTANT FOR SPECIFIC ADVICE REGARDING THEIR INDIVIDUAL SITUATION.* **Categories:** Loan Tips --- ### [Making Caravan Plans: Post-COVID-19](https://www.jadecaravanfinance.com.au/blog/loan-tips/making-caravan-plans-post-covid-19) **Published:** April 12, 2020 **Author:** Publisher **Content:** The coronavirus pandemic has presented many challenges and changes to our lives, with some of these changes predicted to shape a new normal for society. For caravans, touring and holiday plans may have been put on hold for now. But restrictions won’t last forever so why not use your time in lockdown to start making caravan plans. That might mean buying your first caravan, camper or camper trailer or upgrading your existing van. The ‘stay home’ orders have given us a much greater appreciation of the freedom that a caravan offers and how much we love the outdoors. It has been predicted that international travel bans might affect plans indefinitely and after seeing how the COVID-19 pandemic has played out in some countries, many people will most likely be making decisions to curtail overseas travel and see Australia first. What better way to do that than in your own caravan. To keep your spirits up during lockdown, why not start making your plans for post-COVID-19 holidays, adventuring and just getting out and about. Caravanning is a great way to holiday and by getting organised now, you’ll be ready to take quick advantage of getting away when restrictions are eased by heading intrastate or interstate. Check current restrictions [here](https://www.smartraveller.gov.au/ "Lockdown Corona Virus Info Here") **What are your caravan plans?** If you’re an existing, well-travelled caravan owner, you may be thinking of using this ‘down time’ to plan that much-wanted upgrade to a new van. If you have or may have, a member of your household who needs to self-isolate or partially isolate from the rest of the household, a caravan or camper may be a practical solution. Just ensure it stays parked on your premises so you don’t contravene your local movement restrictions. With holiday plans put on hold, many families are using ‘stay at home’ time to camp at home. Especially coming into winter, tent camping may not be appealing to everyone, so a caravan is a great alternative. Caravan on your own property and you’ll be ready to hitch up and go once restrictions are lifted. Having sleep-outs in the van can be a great way to keep children entertained! If you’re looking ahead to spring-summer holidays, now is a great time to order your new caravan or check out the used van market and of course get your caravan loan sorted so you are ready to head off as soon as travel restrictions are eased. A great please to start [more info](https://www.big4.com.au/) ## **Buying a Caravan** The first decision is whether you buy new or used. This decision is often based on price so we have our Caravan Loan Calculator available 24/7 to assist you. You can quickly receive a ballpark estimate on loan repayments to give you a rough guide of what your commitments may be. In response to COVID-19, different states have different levels of restrictions around what purposes you can leave home. You should check with your local authorities before heading out in person to shop for a caravan. When buying a new caravan, sometimes there is several weeks delay in delivery while the manufacturer actually builds your van to your specs. In addition, some manufacturing processes have been slowed as factories and facilities adapt to allow for space capacity and physical distancing restrictions in accordance with coronavirus orders. So it’s never too early to place an order. Many of the major caravan manufacturers make full use of their websites and provide video tours so you can clearly see the detailed fixtures and fittings which makes ordering online much easier. The coronavirus crisis is putting pressure on some sectors of the economy and this may motivate businesses to bring forward their traditional end of financial year (EOFY) sales. So bargains could be out. The used caravan market is always fairly strong and online marketplaces are open 24/7 so you can easily shop from home. Unfortunately it is a reality of the current environment that some sellers will be needing to sell their caravan to convert assets into cash. You will be doing them a service by organising a quick sale. For those looking for a lockdown project, doing up a caravan could be a great idea. Look online for private sales of older vans that need some attention and get to work. ## **Caravan Loans** One thing hasn’t changed due to COVID-19 and that’s our [caravans finance](/ "Caravan Financing") service and our cheap interest rates policy. Our services will always be available throughout the COVID-19 crisis. We’ve moved to a work from home set-up where possible but as our work is predominantly via phone and online, the pandemic has minimal impact on our operational capability. For individuals buying a caravan for their own personal touring and holidays, a [Secured Caravan Loan](/secured-caravan-finance "Explore Your Caravan Finance Options") is the most popular form of finance. The interest rate, loan term and repayments are all fixed and additional payments are permitted. If you choose to payout the loan early, only minimal break fees apply. Your Jade consultant will provide you with a firm quote and you can always contact us via the website, email or by phone. There are many bushfire-affected and drought-affected regions that are very much looking forward to tourism to boost their business once this pandemic is in recovery mode. Visiting these regions, post-COVID-19, while enjoying your own caravan adventure is a great way to provide support. **To discuss the options for your caravan loan, contact us on 1300 000 003 to speak with a Jade Caravan Loans consultant.** *DISCLAIMER:THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Loan Tips --- ### [Getting into Caravanning – at any age](https://www.jadecaravanfinance.com.au/blog/caravan-articles/getting-into-caravanning-at-any-age) **Published:** May 12, 2021 **Author:** Publisher **Content:** Prior to the COVID-19 pandemic, border closures and international travel restrictions, caravan travel and holidays had developed a distinct association with the older, mature generation. The grey nomads as they are affectionately referred to can be seen crisscrossing the country, enjoying their retirement and ticking items off their bucket lists. But with the coming of COVID-19 comes the resurgence of caravanning in the younger generations. The surge in [popularity in caravan holidays](https://www.abc.net.au/news/2020-06-28/border-closures-see-caravan-sales-surge-across-australia/12400134 "Read About the Growing Trend of Caravan Holiday Popularity.") in the past year has been very much attributed to the coronavirus pandemic. The profile of RV buyers now transverses age brackets and other demographics and manufacturers are actively pursuing younger buyers. Described as the millennial market, these younger ‘under 30’ buyers are being specifically targeted in both marketing and the design of vans. Leading manufacturer Jayco has appointed several van ambassadors in the under 30 age group to highlight how RVs perfectly suit the lifestyle, holiday and travel preferences of the active and adventurous. So how does ‘age’ interact, impact or influence the choice of RV and the choice and eligibility for caravan finance? We explore the age-old topic and elaborate on the options for finance for younger buyers. ## Age and Choice of Van Caravans are built for people of all ages but how you plan to use your RV may be influenced by your age and hence may influence your choice of vehicle. Stereotypical and very general descriptions may include: - Toy hauliers and smaller vans may suit the younger, more active buyers to cater for bikes, surfboards, kayaks and one or two occupants. - Older buyers may want more luxury inclusions and space for those long months spent travelling on the road. - Families of all ages can cut across all categories with some opting for more space in a larger van while others prefer a more adventurous off-road style camper trailer. With caravans built to last many years, astute buyers might be wise to look at ‘the road ahead’. Consider how your travel and holiday preferences may change in the next 5 or even 10 years. At [Jade Caravan Finance](/ "Explore Financing Solutions with Jade Caravan Loans"), we can arrange caravan finance for terms up to 7 years so thinking further ahead may assist in selecting an RV that will adapt as your lifestyle changes. Selecting a slightly bigger or more luxurious model now may better suit your expectations in a few years ahead. ### Important buying considerations for all ages are: - Having a vehicle suitable to tow the caravan or camper trailer of your choice. There are smaller, lightweight models on the market that can be towed with a smaller, mid-sized passenger car. Check the rating of your vehicle’s towing capacity. - Your capabilities to tow and manoeuvre the caravan. Fortunately, there are lessons to upskill drivers on the skills required to handle a caravan. Courses are available across Australia. - Sourcing suitable storage facilities when the RV is not in use. Keeping your caravan in top condition will prolong its life and resale value. - Price and finance commitments. Sourcing a caravan loan at the cheapest interest rates and specifically tailored to suit your requirements to ensure the contract will suit your budget over the term of the loan. ## Age and Caravan Finance Under Australian consumer laws loan, applicants must be over the age of 18 years. Apart from that restriction, age is essentially and of itself, no barrier to achieving a caravan loan. Our consultants handle each application on an individual basis to ensure we source and structure it to suit the individual requirements. Your requirements today and looking ahead over the full term of the loan. ### The selection of loans for buyers of all types of caravans and RV including camper trailers, off-road models, hybrids, mobile homes and traditional caravans include: - **[Secure Caravan Financing](/secured-caravan-finance "Advantages of Secure Caravan Financing"):** The most popular loan for private, recreational buyers as it suits all types of new and some used caravans and all-aged buyers. The caravan is the security against the loan, our cheap interest rates are fixed, fixed terms of up to 7 years are available and the repayments are negotiated and fixed to suit individual budgets. - **Unsecured Personal Loan for RVs:** Where the RV is not suitable to offer as security or is not accepted by the lender, an unsecured loan can be a workable option. - **[Caravan Chattel Mortgage](/chattel-mortgage "Discover the Benefits of Caravan Chattel Financing"):** For businesses acquiring caravans and RVs for use in their business, this is a very popular and versatile commercial caravan finance facility. The caravan is used as security and the repayments are fixed over a fixed finance term. Tax benefits can be realised through the depreciation of the caravan according to ATO rulings. This form of finance is seen as most suitable to take advantage of accelerated asset depreciation schemes such as temporary full expensing and caravan Instant Asset Write-off. Refer to our [Caravan Financing Interest Rate table](/interest-rates "Access the Table of Caravan Financing Interest Rates") to work out our possible repayments on the loan that suits you and your caravan. ## Age of the Caravan The age and condition of the caravan will be a consideration when lenders assess a caravan loan application. The interest rates advertised for secured caravan loans apply to new goods. When buying an older caravan or a restoration or conversion project RV, where the vehicle is not suitable security for a secured loan, we offer the option of the [Unsecured Personal Caravan Loan](/unsecured-personal-loans "Explore Flexible Funding Solutions with Unsecured Personal Caravan Loans"). While the interest rate on an unsecured loan is higher than for a secured loan, we can source cheap rates across all loans and structure attractive terms and conditions and a repayment schedule that works with your budget. View our [free Caravan Loan Calculator](/loan-calculator "Utilize a Complimentary Caravan Financing Payment Estimation Tool") to receive estimates on your finance options. With our vast number of accreditations with different banks and lenders, Jade has fast access to lenders for loans to suit all ages of buyers and ages of caravans. You don’t have to wait for an age for a caravan loan quote, just give us a call or apply online for a quick quote. **Call 1300 000 003 to discuss lending with Jade Caravan Finance consultant** *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.* **Categories:** Caravan Buying Articles --- ### [Highlights of the QLD Caravan Supershow and What’s up Next](https://www.jadecaravanfinance.com.au/blog/caravan-articles/highlights-of-the-qld-caravan-supershow-and-whats-up-next) **Published:** May 19, 2021 **Author:** Publisher **Content:** Despite several big names pulling out citing supply issues, the [Queensland Caravan Supershow](https://www.caravanqld.com.au/show/ "Visit the Queensland Caravan Supershow Official Website") held in Brisbane on 2-7 June attracted a big crowd. Reportedly in excess of 40,000 show-goers attended, no doubt eager to see the latest and greatest vehicles, products and equipment in the RV industry. [Caravan sales have surged](https://www.abc.net.au/news/2021-03-20/caravan-industry-experiences-hectic-year-amid-covid-holidays/13260730 "Read About the Recent Surge in Caravan Sales") over the past 18 months as holidaymakers, bereft of international destinations and interstate border restrictions, invest in the RV lifestyle. But this surge has led to stock shortages and some reports of several months-long waits for delivery of orders. So the sign on some exhibitor displays showing “available for immediate delivery” was sure to be a major attraction. The absence of Jayco and Kedron did not appear to dampen interest and provided some of the lesser-known brands to show their wares to a keen and captive audience. We’ve reviewed show reports to collate a few highlights which, if you did not have the chance to attend, could spark your interest to look into the new model releases. ## Post Caravan Show Wrap According to reports, Sunseeker had a massive display. Caravana, a new name to the industry displayed 30 models including Crusader and Suncamper motorhomes. The models suited to Queensland’s tropical travelling conditions were as a big hit as possible because the sunshine state is seen as a relatively COVID-safer state and a magnet for travellers. Regent reportedly was filling their order books with their new, sleek Chinese-manufactured range. Many models on display were presented for immediate or post-show season delivery. Something which would be widely welcomed by an eager market keen to get their hands on a van. The high demand issues which led to the general shortage have been further exacerbated by the impacts of additional lockdowns in Victoria. The area around Campbellfield in VIC, is a hub of caravan manufacturing in Australia and issues with shortages have impacted that state and beyond. It is also being put down to an increase in caravan manufacturing in Queensland. [Read more here](https://www.caravancampingsales.com.au/editorial/details/tough-times-for-australian-rv-industry-124111/ "Learn More About the Challenges Faced by the Australian RV Industry"). In addition to the new models on display, attendees were treated to plenty of other attractions including an interactive demonstration of 4WD skills. Seminars ran covering key topics of towing skills, checking the weight of your vehicle and how to load your caravan correctly. The lack of some of the big-name exhibitors left more space and attention to accessories suppliers. As with all caravan shows, this Supershow included extensive displays of accessories that buyers could actually purchase at the show. We are continually mentioning in our pre-show previews that many exhibitors offer show specials and buyers should have their finance sorted prior to attending so as not to miss out. From all reports, another great event for the caravan industry and a great sign that interest in the caravan lifestyle is strong and getting stronger. ## Upcoming Caravan and RV Shows With the Supershows schedule finished for 2021, RV enthusiasts can now set their sights on the extensive calendar of regional events being presented through the second half of 2021. ### Here are just a few dates to note: - Illawarra Expo, Kembla Grange, 2-4 July 2021 - Rockhampton Caravan Expo, 16-18 July 2021 - [Let’s Go Sunshine Coast](https://www.caravanqld.com.au/show/lets-go-sunshine-coast-caravan-outdoor-expo/ "Explore the Sunshine Coast with 'Let’s Go'"), 20-22 August 2021 - The Great Outdoor Expo Shepparton, 3-5 September - Canberra Lifestyle Expo, 22-24 October 2021 - [Tasmanian Outdoor Show](https://tasmania.events/event/12259384-a/2021-tasmanian-outdoor-boat-caravan-show "Visit the Tasmanian Outdoor Show's Official Website"), 10-12 September, Prospect - Great Outdoor Expo Gippsland, 26-28 November 2021 - [Perth Adventure Show](https://perth.4wdshow.com.au/ "Check out the Perth Adventure Show Details"), 5-7 November 2021 Stay in touch with the caravan associations and suppliers for more regional show dates. ## Capturing Cheap Caravan Loans If you proceed with ordering a caravan at the Brisbane Supershow but still need to arrange your finance or if you didn’t attend the show but are still keen to place an order, we can assist with finance. While Jade Caravan Finance has an ongoing policy of securing the cheapest interest rates on [caravan loans](/ "Explore Financing Options for Your Travel Trailer"), the current historic low interest rate scene has made our deals even more appealing. Our [Secured Caravan Loan](/secured-caravan-finance "Unlock Reliable Financing Solutions for Your Caravan Purchase") is ideally suited for most buyers of new caravans. This loan type suits all types of caravans, campers, camper trailers, motorhomes, toy hauliers and RVs. ### Caravan Finance features include: - Fixed cheap interest rate, which remains fixed over the entire fixed loan term. - Fixed repayments so you can travel in contented confidence that your commitments on the loan won’t change over the loan term. - Ability to pay additional payments if desired with minimal break fees applying if the loan is finalised early. - [No deposit caravan finance](/no-deposit-caravan-finance "Explore Caravan Financing with Zero Upfront Payment") on many models and for many applicants. This means you can include the full purchase price of the caravan and the accessories and upgrades you want in the one loan. - Comprehensive broker-style loan service with loan sourcing, quoting, lender negotiations, paperwork and settlement handled on your behalf and in your best interests by your personal Jade consultant. - Access to our free online [Caravan Finance Interest Rate Comparison](/interest-rates "Compare Caravan Financing Interest Rates Here") Tool. If heading to a caravan show with an intention to purchase, speaking with us about pre-approved finance beforehand could put you in the box seat to take advantage of any ‘available for immediate delivery’ models. **Call 1300 000 003 to discuss lending with our consultants** *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.* **Categories:** Caravan Buying Articles --- ### [What’s New and on Trend in Style and Caravan Finance?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/whats-new-and-on-trend-in-style-and-caravan-finance) **Published:** May 23, 2021 **Author:** Publisher **Content:** With what could be classified as a resurgence of the caravan lifestyle, it’s not surprising that some designers would use the opportunity of new markets to present a new take on interior style. Buyers are emerging from new markets, especially in the younger demographic. A movement described by some as van life influencers. A market that, without judgement, may have differing ideas on style than the grey nomads that have dominated the sector in recent times. To appeal to these adventurous, style-seeking buyers, several caravans and camper builders are attracting attention with their striking new style approaches to both interior and exterior RV style. ## Little Cove Campers – Architecturally Inspired A name that is very new on the camper scene but is poised to make an impact are architecturally inspired campers… So new in fact they are considered a start-up and still to set up a complete website. Taking a boutique-style approach to camper interiors, this business is creating [coastal chic interiors](https://www.caravancampingsales.com.au/editorial/details/coastal-chic-influences-camper-design-130423/ "Explore Stylish Coastal Interior Designs") with a nod to beach shack meets up-market Noosa or Palm Beach. The business focuses on interior fit-outs outs of a client’s supplied camper (apparently full vehicles to come) in a way that can only be described as special, different and very, very chic on anyone’s scale. Special features include the use of different textures and finishes including American Oak, copper piping and timber. An approach that clearly differentiates and defines the look from the usual white gloss that most manufacturers offer. In addition to the gorgeous look, there are practical and thoughtful inclusions in the design including a fold-out powder room, slide-outs for the cooker and fridge and an external connection for a hot water shower. This business has plenty of great ideas in the works and is worth watching. Give us a call refinance first so you can place your order and get to the top of what is sure to be a growing list of orders. ## Bushtracker Goes Bling Also turning heads is [Bushtracker Caravans](https://www.bushtracker.com/ "Visit the Official Website for Bush tracker Caravans") bling approach. On display at the Brisbane Supershow, the company displayed an impressive model with copper tapware. The option includes a mixer tap, a copper basin in the bathroom and towel rail, shower head and taps. The look of the copper is amazing and extends into the kitchen. If you’re after something that not everyone else is having, definitely worth having a chat with Bushtracker about including the copper bling option in your order. It is an optional extra and let’s face it, possibly high in the price stakes for some buyers. But with our [best caravan loans in Australia](/ "Discover Top Caravan Financing Options in Australia"), we can make those aspirational extras far more affordable. ## Exterior Visions by Sunseeker Not all the new trends are on the interior. Sunseeker showed a van with an external wrap designed by indigenous artist, Daren Dunn. The look is stunning and according to reports is an option, at no extra cost, on the company’s Vision models. The company is reportedly making a significant donation from each order to a charity to support Aboriginal children. [Read more here](https://www.caravancampingsales.com.au/editorial/details/vision-rv-raises-the-bar-130303/ "Click here to learn more about Visions RV's Impressive Achievements"). ## Always Popular – Cheap Caravan Finance While the designers and stylists amaze and impress with their interior looks, coastal chic and forward-reaching take on caravan style, we continue to provide what all buyers truly seek – cheaper caravan finance. As specialists in the lifestyle finance field, we have the connections and the capabilities to deliver loans for all types of caravans at cheaper interest rates. Regardless of the type of caravan, camper, camper trailer or motorhome, the price range or the off-road/traditional capabilities, our [Secured Caravan Loan](/secured-caravan-finance "Explore Reliable Financing Solutions for Your Caravan Purchase") is designed to suit. As a secured loan, the van is used as a security or guarantee against the loan. Our lender will register their interest on this basis on the PPSR and release the interest when the loan is finalised. Our Secured Caravan Loan is based on a universally accepted secured loan format but includes many inclusions that others can’t match us with – our cheaper interest rates. With our vast lender panel and our extensive experience in this sector, we have the capability to source cheaper interest rates on our loans. Feel free to use our online [Caravan Loan Repayment Calculator](/loan-calculator "Access the Caravan Financing Payment Estimator Tool") to consider all your potential options. ### Secured Caravan Financing includes: - Fixed cheap interest rate. No need to switch and fix through the loan term. Once we have secured your loan, you enjoy that same low rate for the full term of the loan. - Fixed loan terms, negotiated to suit your budget. - Fixed repayments so you can head off on extensive travels or plan other purchases, confident that your repayments will remain constant. - Additional payments are permitted. - [No deposit caravan financing](/no-deposit-caravan-finance "Explore Caravan Financing with No Upfront Payment") is available so the entire purchase price can be included in the loan, along with those optional extras like the Bushtracker copper bling pack. ## Compare Lenders and Caravan Loan Interest Rates To work out estimated repayments on your caravan package, simply refer to our [Caravan Finance Interest Rate](/interest-rates "Discover Caravan Financing Interest Rates") calculator. Input the amount of your loan and the term preferred to see the estimates displayed. Or just call us for a confirmed quote either before or after you place your order. Our consultants handle the entire loan process so you can concentrate on planning your travel route. **Contact 1300 000 003 for an always popular, always on-trend, caravan finance.** *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.* **Categories:** Caravan Buying Articles --- ### [Feb 2021 Caravan and RV Lender Update](https://www.jadecaravanfinance.com.au/blog/caravan-articles/feb-2021-caravan-and-rv-lender-update) **Published:** February 5, 2021 **Author:** Publisher **Content:** The coronavirus pandemic has seen a surge of interest in buying caravans with many Australians opting for this style of travelling and holidaying to deal with border and travel restrictions. As some of these restrictions look like extending through this year it can be expected that many more will consider a caravan purchase. As many buyers require finance for their caravan, camper or mobile home, we’re providing a quick overview on some of the changes and updates to the caravan lending scene that are due in the near future. ## General Overview - As major lenders to the recreation and leisure sector, [Jade Caravan Finance](/ "Discover Your Caravan Financing Solutions with Jade") is across the latest news with our lenders and continues to be ideally placed to secure cheaper finance at our better interest rate assurance. - As is the case across the financial markets, the interest rates on consumer loans including caravan finance, are at very low rates and this is anticipated to remain through 2021. - The caravan loans that we offer – [Secured Caravan Loan](/secured-caravan-finance "Explore Our Secure Financing Options for Caravans") and [Unsecured Caravan Loan](/unsecured-personal-loans "Discover Unsecured Financing Solutions for Caravans") – will remain the same through 2021 but some applicants may be affected by proposed [changes to consumer credit laws](/blog/loan-tips/reforms-to-consumer-credit/ "Explore Updates in Consumer Credit Legislation"). - Proposed changes to consumer credit laws are designed to make the flow of credit faster and easier in some sectors. - For repayment deferrals and payment pauses, the major banks are implementing changes to their policy and approach to dealing with customers in financial hardship. - Banks will be adopting a sustainable solution-based approach to hardship applications rather than the deferral approach adopted in response to the COVID-19 impacts. ## Changes to Consumer Credit Regulations As part of the [2020/21 Federal Budget](https://budget.gov.au/index.htm "Learn About the Fiscal Plans in the 2020/21 Federal Budget"), the Government announced a proposal to ease consumer credit laws to fast-track and streamline the flow of credit to stimulate the economy, We have posted a detailed article on the proposed changes and we refer you to our News and Tips for a refresher read. The changes are proposed for 1 April 2021 when the stakeholder consultation phase is concluded. We will be staying across developments to post details of the changes when introduced. The changes are intended to make it easier for some applicants to secure some consumer loans. If you have questions now about how this may affect your proposed caravan loan, please feel free to call us and one of our consultants will explain the detail to you. ## Changes to Bank Repayment Deferral Arrangements During the peak of the coronavirus pandemic when many people were impacted with loss of or decrease in income, the government introduced assistance to the banks and lenders so they could support customers with [loan repayment deferral requests](https://www.ausbanking.org.au/covid-19/ "Read about How Financial Institutions Assisted Customers Seeking Loan Repayment Deferrals"). As of the end of March 2021, this support will no longer be in place for the major banks and they will be implementing changes to their approach to requests and applications for new loan repayment deferrals. Changes will also affect those that are requesting an extension to their existing deferral arrangements. We have been advised by one of our major bank lenders that new deferrals on some loan will not be offered after 31 January 2021. In place of the deferral arrangements, individual banks will be addressing individual applications for deferrals with customers with the objective of establishing a more sustainable solution. Those customers that have deferral arrangements in place, should have the conditions remain unchanged to end of March 2021. If you have an existing arrangement to defer your loan repayments with your bank or lender, it is advised that you contact the lender to discuss how the situation will move forward. For those facing ongoing financial hardship and/or looking at requesting a new application to defer loan repayments, you should also contact your lender and discuss the options available to you. It is always advisable to be proactive in contacting the lender if you are in this position or think you may be facing difficulty in the future rather than simply default on your repayments. If you do not address the situation and simply do not make your repayments the risks and outcomes can include repossession of your caravan and [long-term negative effects on your credit profile](https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-affects-your-credit-scores/ "Explore the Prolonged Adverse Impact on Your Credit Score") and resulting ability to source credit in the future. The [JobKeeper program](https://www.ato.gov.au/general/jobkeeper-payment/ "Learn More about the Government's Employment Support Initiative - JobKeeper Program") is due to end at the end of March 2021 and this may have an impact on some borrowers. ## Lending Update and Outlook Jade Caravan Finance is accredited with many banks and lenders and you can review Our Lenders on our website. When applying for [low interest rate caravan loan](/interest-rates "Discover Caravan Financing with Favorable Interest Rates") you don’t automatically have to apply to your bank and you don’t have to nominate a lender when applying with Jade. Your Jade consultant knows the caravan finance market and will source you the best loan from across our lender panel. You don’t have to be a current customer of a bank to be eligible to apply and with your Jade consultant handling the paperwork, the application and processing procedure is streamlined. As the year progresses and developments and changes in the lending sector are announced we will be posting regular updates, so stay connected with Jade to stay informed on caravan loans and finance. **To discuss finance on a caravan speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER:* THE DATA, POLICIES, INFORMATION, CONTENT AND REFERENCES AS PRESENTED IN THIS ARTICLE ARE FOR GENERAL PURPOSES ONLY AND ARE *SOURCED FROM RELIABLE SOURCES BUT NO LIABILITY IS ACCEPTED SHOULD THERE BE ERRORS OR MISREPRESENTATIONS OF DETAILS IN THE CONTENT. THIS INFORMATION IS NOT INTENDED AS THE SOLE PURPOSE OF MAKING FINANCIAL DECISIONS. READERS SHOULD REFER TO A FINANCIAL ADVISOR OR ACCOUNTANT IN THE EVENT THAT THEY REQUIRE PROFESSIONAL GUIDANCE AND CONSULTATION ON THEIR INDIVIDUAL FINANCIAL POSITION.* **Categories:** Caravan Buying Articles --- ### [Head to the Hilltop Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/head-to-the-hilltop-caravans) **Published:** January 8, 2021 **Author:** Publisher **Content:** Fully accredited with the [Caravan Indus](https://www.caravanindustry.com.au/ "Visit the Official Website of the Caravan Industry Association of Australia")[t](https://www.caravanindustry.com.au/ "Visit the Official Website of the Caravan Industry Association of Australia")[ry Association of Australia](https://www.caravanindustry.com.au/ "Visit the Official Website of the Caravan Industry Association of Australia"), [Hilltop Caravans](https://www.hilltopcaravans.com.au/ "Explore Hilltop Caravans' Offerings on Their Website") produces a large range of caravans to suit many people and many style of life and travel. Based in Somerton Victoria, this Aussie business is yet another great local caravan manufacturer that has built a new business based on great ideas and designs. This family business has a particular focus on proper training for its team members and delivering a high quality product. Hilltop offer quite a range of caravans, all with names from Australian hills and mountains, and covering a large size selection from small 14 footers through to 23 footers. The range includes traditional and off road models and Hilltop offers optional extras and packages so buyers can personalise their caravan to specifically suit their needs. An approach shared by Jade Caravan Finance as we individually address and tailor each caravan loan to suit our customers. We showcase Hilltop Caravans for your consideration when selecting your next caravan. While browsing the model choices and options, don’t forget to use our loan calculator to see how different prices alter the loan repayments. ## Hilltop Extreme The Extreme model is an off road model with variants from 14’6” through to 23’6”. Key features include a heavy duty bumper bar, Di Bond composite exterior, Cruisemaster XT suspension, Dexter Torflex, Simplicity load sharing suspension, extensive checker plate, two 95 litre water tanks and a 65 litre grey water tank, two solar panel and two batteries and a whole lot more. That was externally, inside you’ll find a slide out BBQ kitchen, 28 litre hot water system, loads of clever storage and a very stylish interior with smart design features and inclusions. ## Hilltop Kosciusko [The Kosciusko](https://www.hilltopcaravans.com.au/kosciusko/ "Discover More About 'The Kosciusko' on Our Website") is one of the company’s family caravans at a large 23’6” and including plenty of space, bunk beds and loads of inclusions to make the family getaway great fun in great comfort. Inside you’ll find this a full height caravan with large ensuite, L shaped lounge, well-equipped kitchen, 28 litre hot water system and loads of drawers and cupboards. On the outside you’ll find all the requirements and more including an awning, solar panel, two 95 litre water tanks, external shower, annex lighting and loads more. ## Hilltop Thredbo [The Thredbo model](https://www.hilltopcaravans.com.au/thredbo/ "Explore Details of 'The Thredbo' Model Here") is a ‘middle bathroom’ design with has a sliding door to separate the bedroom and living spaces. At 22’6” this could be the ideal caravan to suit your travel plans. The Thredbo features a club lounge, well designed kitchen complete with a fan forced oven for the gourmet traveller, bulkheads throughout, cleverly placed lighting and loads of style. Externally you will be well catered for with high profile cladding and composite panel construction, two water tanks, solar panel, tunnel boots, front and rear checker plate, picnic table and plenty more for a relaxing travel experience. ## Hilltop H-Series [The H-series](https://www.hilltopcaravans.com.au/h-series/) is available in a range of sizes, but we’re checking out the 14’ model. A great little caravan which is designed with the free camping set in mind. Compact and well-equipped courtesy of Hilltop’s clever design team. This model has all the essentials including queen size bed, compact kitchen with a 2 burner stove, combo shower and toilet, washing machine and plenty of cleverly placed storage to stash your gear. That’s just a quick mention of a few of the models in the Hilltop Caravans range. The others worth checking out include the Hotham, Paddington, [Feathertop](https://www.hilltopcaravans.com.au/feathertop/), Saddleback, Grampian, [Buller](https://www.hilltopcaravans.com.au/buller/), Macedon and Hotham Peak and the other variants in the H-Series. Hilltop appear to have covered just about every possible caravan buyer’s requirements with their large collection of luxurious and comfortable caravan models. ## Arranging Your Caravan Finance Before heading to inspect a Hilltop in person, you may like to arrange your caravan loan. Having pre-approved finance can provide confidence and allow buyers scope to include the optional extras and accessories that Hilltop have to offer. Jade Caravan Finance allows you to include the options in your loan so ensure you order all the accessories you want to suit your travel and holiday style. Our loans are available as no deposit finance so you can borrow the full purchase price of your Hilltop including those optional extras and upgrades. Applying to [rv loans broker](/ "Connect with an Expert RV Loans Broker Today") is a straightforward and simple process as your Jade consultant handles the tricky stuff. You just apply online or over the phone and leave the rest to us. We’ll source you the [cheapest interest rate caravan financing](/interest-rates "Explore Affordable Caravan Financing with the Lowest Interest Rates") from our large lender panel and the terms to best meet your requirements and handle the paperwork for you. When you’ve finalised your deal with Hilltop, your Jade consultant will even liaise between the lender and Hilltop to arrange settlement so you can be on your way in your brand new Hilltop Caravan. **For a loan quote on any models in the Hilltop Caravans range, speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: THIS INFORMATION HAS BEEN PREPARED FOR THE PURPOSE OF GENERAL INFORMATION AND IS NOT INTENDED AS FINANCIAL ADVICE OR THE ONLY SOURCE FOR THE PURPOSE OF MAKING INDIVIDUAL FINANCIAL DECISIONS. IF A READER CONSIDERS THAT THEY REQUIRE ADVICE ON THEIR FINANCIAL SITUATION, PROFESSIONAL ASSISTANCE AND ADVICE SHOULD BE SOUGHT FROM A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ANY MISINTERPRETATIONS OR ERRORS IN DATA, CONTENT AND INFORMATION AS SOURCED FROM OTHER PARTIES. THE INFORMATION PRESENTED IS FOR GENERAL INFORMATIVE PURPOSES AND READERS ARE ADVISED TO FOLLOW UP INDEPENDENTLY.* **Categories:** Caravan Buying Articles --- ### [Ultimate Caravan Offroading: Suncamper Sherwood Conqueror](https://www.jadecaravanfinance.com.au/blog/caravan-articles/ultimate-caravan-offroading-suncamper-sherwood-conqueror) **Published:** January 18, 2021 **Author:** Publisher **Content:** Heading off the black top has been a popular route for caravan owners for a long time. Many caravan manufacturers have included an off-road model and/or hybrid in their line-up, with varying degrees of off-road and rough terrain capabilities. Now [Suncamper](https://suncampermotorhomes.com.au/ "Explore the Suncamper Range on Their Official Website") presents another way to go off the road and off the grid in their new 4WD Sherwood Conqueror motorhome. Upfront, we’ll ease any doubts you may have around sourcing finance for a Suncamper motorhome. Jade Caravan Finance includes [affordable motorhome loans](/motorhome-loans "Discover Cost-Effective Financing Solutions for Motorhomes") in our pre-approved Caravan Loans. Suncamper is an award-winning motorhome manufacturer and their Sherwood series is a very popular range. But the company claims that their new Conqueror is THE best 4×4 motorhome currently available on the Australian market. We’ll give you a rundown of the specs and features to give you an idea of why Suncamper is making those claims and to put the Conqueror on your possible purchase list for consideration. ## Suncamper Sherwood Conqueror Features The [Suncamper Sherwood Con](https://suncampermotorhomes.com.au/motorhomes/compact-motorhomes/sherwood-conqueror/ "Explore Details About the Suncamper Sherwood Conqueror Model")[q](https://suncampermotorhomes.com.au/motorhomes/compact-motorhomes/sherwood-conqueror/ "Explore Details About the Suncamper Sherwood Conqueror Model")[ueror](https://suncampermotorhomes.com.au/motorhomes/compact-motorhomes/sherwood-conqueror/ "Explore Details About the Suncamper Sherwood Conqueror Model") is based on the latest [Toyota HiLux SR](https://www.toyota.com.au/hilux/sr "Learn More About the Toyota HiLux SR Model") as a base. The HiLux continually leads the best- selling vehicle list in its category so that’s a great start. The Conqueror has been specifically designed for the ultimate adventurer and the list of inclusions is impressive and lengthy. - Off-road durability with the HiLux 4×4 chassis strength but with a lightweight design including the lightest bull bar which is compatible with the vehicle. - Long-range 140-litre fuel tank. - 6 mud terrain tyres - Snorkel, bull bar, 1500 kg tow bar - External storage hatch, bonnet scoop - Large skylight hatch - Solar kit 200w, with solar regulator, 2000w inverter with remote switch - Drinking tank plus extra 138-litre water tank - Roof racks for kayaks and other item - Seatbelts for all travellers - Sleeping berths for up to four people - Club lounge style floorplan - Ensuite bathroom - Well set-up kitchen and cooking facilities with two-burner stove - Light and contemporary interior styling with large windows and skylights adding to the feel of spaciousness - Equipment to assist with tyre pressure monitor, HEMA GPS, UHF radio Suncamper definitely seem to have thought of everything in the design and set-up of the Conqueror and with an increasing number of travellers looking to escape to more remote locations, demand is sure to be strong for this new release. ## Award-Winning Manufacturer If you’re considering buying a Suncamper motorhome, you’ll be joining many other Australians that have purchased from this highly regarded manufacturer. Based in NSW and operating since 1977, Suncamper specialise in motorhomes and have received many awards for their vehicles. The company’s range includes a good selection of pop-tops and motorhomes in lengths up to their 28 foot motorhome. Vehicles are built to customer specs and you can start planning yours at Suncamper Motorhome. ## Buying a Suncamper Conqueror To get moving on securing your Conqueror by placing an order, it is always wise to have your finance sorted first. Jade Caravan Finance offers finance with our [Secured Campervan finance](/secured-caravan-finance "Explore Our Secure Financing Options for Campervans") for the purchase of new Conqueror vehicles. This loan is available either post-purchase or you can seek a pre-approved loan. The Secured Caravan Loan is the most widely used loan type for all types of caravans and leisure vehicles and it has a general loan format. - The motorhome is used as security by the lender against the loan. - Jade arrange the loan at the cheapest interest rate. - Jade consultants source the cheapest loan option from across our vast lender panel. - The interest rate is fixed for the full loan term so there should be no need to review and assess your loan at any time during the term. - The repayments are fixed at a monthly payment schedule which is usually set up on a direct debit system. Your Jade consultant will arrange this when finalising your loan and settlement on the vehicle purchase. - The loan term is fixed and negotiated to best suit our customer preferences. - Additional payments are permitted if desired. - If extra payments are made and/or you decide to finalise the loan prior to the end of the loan term, only minimal break fees will apply. No deposit loans are possible. You can borrow the full purchase price of your Conqueror. Remember to discuss any optional extras and upgrades with Suncamper and include them in your Jade loan. A Suncamper Conqueror may be just the vehicle to take you into the great outdoors and beyond to secret locations and rarely-visited destinations. A great way to shake off the pandemic lockdowns and enjoy the fantastic places across Australia. If you’re planning to see the Conqueror at an upcoming caravan show, don’t forget your Jade pre-approved [low rate caravan loan](/interest-rates "Discover Caravan Financing with Favorable Interest Rates") before you attend the show. **To discuss a quote for a Suncamper Sherwood Conqueror 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** *DISCLAIMER: NO LIABILITY IS ACCEPTED FOR MISINTERPRETATION, MISREPRESENTATIONS OR ERRORS IN THE INFORMATION AND PRODUCT DETAILS INCLUDED IN THIS ARTICLE AS SOURCED THROUGH OTHER ORGANISATIONS AND MANUFACTURERS. THE INFORMATION PROVIDED IN THIS ARTICLE IS NOT PRESENTED FOR OR INTENDED AS THE SOLE SOURCE OF FINANCIAL INFORMATION IN REGARD TO A FINANCIAL DECISION. IT IS FOR GENERAL INFORMATIVE PURPOSES ONLY. IF A READER CONSIDERS THEY MAY REQUIRE ADVICE REGARDING THEIR INDIVIDUAL CIRCUMSTANCES, IT IS ADVISED THAT THEY CONSULT WITH A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [Attending a Caravan Show? Prep and Planning Tips](https://www.jadecaravanfinance.com.au/blog/caravan-articles/attending-a-caravan-show-prep-and-planning-tips) **Published:** January 23, 2021 **Author:** Publisher **Content:** February is the time for the annual calendar of caravan, camping and outdoor shows to get underway. The calendar is packed with both large and smaller shows in the major capital cities and through many regional areas so there should be at least one close to you. We’ve posted a blog of dates for many shows so check our library for the article and note the dates. Through 2020 many shows of this type had to be cancelled due to coronavirus so both exhibitors and visitors will be keenly looking forward to the 2021 events. If you’re planning to visit an outdoor show and possibly purchase a new caravan at the event, then it’s wise to go prepared. As major lenders in the recreational vehicle and leisure sector, we share some of the tips and hints we have accrued over our many years in the industry to assist you get the most from your show visit. ## Know the Show [Big4](https://www.big4.com.au/ "Visit the Official Big4 Website for More Information"), the [Caravan Industry Associations](https://www.caravanindustry.com.au/ "Explore Resources from Caravan Industry Associations") and other caravan industry stakeholders publish details of upcoming shows and the information is readily accessible to preview. Many shows will have a dedicated website with show details ready for reference well ahead of the date. - Check the details to ensure that if you are keen to see a certain caravan, that manufacturer will be exhibiting that model. - Due to COVID restrictions, all exhibitions and shows in 2021 will need to operate to COVID-safe regulations. In most cases that will mean booking tickets even if entry is free. Tickets will need to be booked online. Numbers are likely to be limited, depending on what state capacity restrictions apply at the time. So it’s advisable to get in and book early. - Keep an ear and eye on changing COVID restrictions in the show area in the lead-up to ensure you are across any changes that may need to be implemented. - Be prepared by taking a mask and hand sanitiser. ## Plan Your Purchase - Many exhibitors offer show specials at events but if you don’t have your finances ready, you may miss out on any discounts which are offered. - Most caravan manufacturers and many dealers do offer finance to buyers and you may have a strong tendency to grab that deal as it may appear an easy option. But not necessarily the cheapest option. - Before attending, check the pricing of the vehicles you are interested well ahead of the show and use our online loan tools. - Refer to our Compare Lenders chart to see what interest rates are currently being offered by a selection of banks and finance companies. - Use our [caravan finance calculator](/loan-calculator "Access Our Caravan Financing Calculator Tool") to easily convert the advertised price to a more relatable monthly loan repayment estimate. - Knowing ahead of time what a purchase price represents in loan repayments can be powerful information. - If you are extremely keen to buy talk to us prior for a [secured rv loan](/secured-caravan-finance "Explore Our Secure RV Financing Options"). With this process your loan is established based on a projected purchase price and we proceed through to the approved stage. You know you have been approved for a certain dollar value so you can confidently proceed with placing an order for a new caravan. - There is no obligation when applying for a pre-approved loan. If you decide not to proceed with a purchase, no problem. But at least you have that in your purchase tool kit if you do decide to buy at the show. ## Arrive Ready Decades ago, a well-known credit card company used to remind customers not to leave home without their card. Now that same advice applies to our Jade loan resources. Don’t head to a caravan show without our [rv loan calculator](/calculator "Utilise Our RV Financing Calculator Tool") to show the best [rv loan interest rates](/interest-rates "Check Out RV Financing Interest Rate Information"). We make our resources available to use free of charge on our website. So you can access the calculators from any device where you have internet connectivity. Most shows have wireless connections available so you should have accessibility. Have our calculator ready in your bookmarks for quick reference. As you browse the caravan models and speak with the sales teams, just discretely refer to our calculator for a quick estimate on repayments. If you are offered finance from a manufacturer or dealer, get the details of their comparison rate and refer to our lender comparison table. You should be able to see if our Jade comparison rate is cheaper. Or just give us a call and discuss quick quotes with one of our consultants. Many manufacturer finance arrangements are only with the one finance company. You don’t get a choice of lender. Are you 100% certain that is the cheapest deal that you could source? Are the repayments and loan term what you want? Jade Caravan Finance is accredited with many banks and lenders so we give our customers choice courtesy of the work we do in sourcing the cheapest loan from across our lender panel. By utilising our loan tools, speaking with us about possibly sourcing a pre-approved caravan loan and staying informed, we hope you will have a much more enjoyable and successful visit to a caravan show. **To discuss finance on a caravan speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: NO LIABILITY IS ACCEPTED FOR MISINTERPRETATION, MISREPRESENTATIONS OR ERRORS IN THE INFORMATION AND PRODUCT DETAILS INCLUDED IN THIS ARTICLE AS SOURCED THROUGH OTHER ORGANISATIONS AND MANUFACTURERS. THE INFORMATION PROVIDED IN THIS ARTICLE IS NOT PRESENTED FOR OR INTENDED AS THE SOLE SOURCE OF FINANCIAL INFORMATION IN REGARD TO A FINANCIAL DECISION. IT IS FOR GENERAL INFORMATIVE PURPOSES ONLY. IF A READER CONSIDERS THEY MAY REQUIRE ADVICE RE THEIR INDIVIDUAL CIRCUMSTANCES, IT IS ADVISED THAT THEY CONSULT WITH A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [Roaming in a Roma Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/roaming-in-a-roma-caravan) **Published:** January 26, 2021 **Author:** Publisher **Content:** If you’re planning to roam Australia in 2021 in a new caravan, then selecting a model from the oldest caravan manufacturer around could be a good choice. Roma Caravans lays claim to being the oldest established manufacturing in the world, having been established in 1928 and specialises in caravans that are built to the customer specifications. The company changed hands in the 1950s and has remained in the hands of that family since that time. The photos in their brochures of 1930s and 50’s cars towing Roma Caravans are a must-see. The company’s pictorial history is essentially a record of the Australian caravanning industry and an interesting viewpoint on how it has developed into the highly regarded sector it is today. Definitely not mass produced, Roma Caravans are manufactured to custom requirements and the company claims the focus for each vehicle is on quality and durability. Customers get very much involved in the build of the vehicle, having input and following the progress while the van of their choice is created. Selecting your van from the range of Roma Caravan designs on offer may be a challenge as the selection is quite vast. The range includes traditional caravans, off-road models, slide-out designs and a sports model. We take a look at the Roma range and while you’re browsing, don’t forget to have the [Jade Caravan Finance Calculator](/loan-calculator "Utilise the Jade Caravan Finance Calculator Tool") open in another web browser to compare possible loan repayments on each model. ## Sov’reign Sports The Sov’reign Sports model caught our attention with the tagline – the caravan equivalent of glamping. So what’s on offer? Apparently the key is sophistication and luxury comfort. The exterior is composite and the interior pure bliss. The look and feel is highly contemporary with a clever use of space to create a spacious and light feel. Features include a queen bed, ensuite with flush toilet, cooker with 3 gas and one electric hob, two 95 litre water tanks, two gas bottles, 184-litre fridge and many more inclusions. ## Elegance Slide-Out A practical inclusion in the Roma Caravans range is the Elegance Slide-Out model. The slide-out element creates that added space which many larger families or long-time-on-the-road travellers really yearn for. As Roma models are custom built, you can choose if you want that extra space in the bedroom or the kitchen or with the company’s clever design, you can actually have extra space in both areas. This model includes four bunks as well so there’s room for plenty in your Elegance. It also includes a 150-watt solar panel, battery management system, 95-litre grey water tank, washing machine and plenty more. ## Other Models Other models in the Roma range include the Razorback models and additional models in the Elegance collection. The floorplans are for sizes from 17’6” through to 25’6” so there should be an option to suit your style of roaming. ## Securing Your Roma Model Roma Caravans is based in the caravan manufacturing heartland of Campbellfield in Victoria and can be contacted directly to discuss your custom caravan. The company provides 3D tours of different models on their website, plus a downloadable brochure and plenty of details of the inclusions and features of each model. As each Roma van is built to your specs, you will want to have your finances secured before you start discussions, so you are in a position to make a commitment and get the process started. Jade Caravan Loans recommends securing a pre-approved caravan loan through us to get the [best caravan loans in Australia](/ "Explore Top Caravan Financing Options in Australia"), to meet that objective. Most caravan buyers will have a rough idea of what the caravan they are considering will cost – with so many online resources and communities available that should be easy to source. What not all buyers do know is how much that purchase price may cost in monthly loan repayments or how much they may be approved to borrow. An [affordable Secured caravan financing](/secured-caravan-finance "Discover Budget-Friendly Secure Caravan Financing Solutions") is a great way of finding out how much you can be approved to borrow to purchase a caravan. Your Jade consultant proceeds to source you a loan quote and has your application approved for an estimated amount. When you make your purchase that loan amount is finalised with the sales purchase invoice figure. You can of course include options and accessories in your overall loan amount so don’t forget to have Roma include all the items you want when you order. There is no obligation attached to a pre-approved loan so if you change your mind, it is not a problem. A pre-approved loan is also a great way to approach attending caravan shows and expos. If you intend to attend with a view to purchasing, having your finance pre-arranged will give you the opportunity to talk deals at the show and place your order. If roaming in a Roma is your style for 2021, give us a call and arrange your caravan finance today. **To discuss finance on a Roma Caravan 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** *DISCLAIMER: INFORMATION, CONTENT, DATA, REFERENCES AND HINTS CONTAINED IN THIS ARTICLE ARE INTENDED PURELY FOR GENERAL INFORMATION AND NO LIABILITY FOR ERRORS OR SIMILAR IS ACCEPTED. THE INFORMATION IS NOT INTENDED TO FORM THE SOLE BASIS FOR FINANCIAL DECISIONS. ANY READER CONSIDERS THAT MAY REQUIRE ADVICE ON THEIR PERSONAL OR BUSINESS FINANCIAL SITUATION, THEY ARE ADVISED TO SEEK THE PROFESSIONAL ASSISTANCE OF A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [Tips for Keeping Your Caravan in Top Shape](https://www.jadecaravanfinance.com.au/blog/caravan-articles/tips-for-keeping-your-caravan-in-top-shape) **Published:** January 29, 2021 **Author:** Publisher **Content:** While most caravan buyers purchase a van with a view to long-term ownership, there may come a time when you decide it’s time to upgrade to a newer model. In those instances, you’ll be looking to sell or trade in your current caravan for the best price possible. To ensure you do get the best sale price and to ensure safe travelling at all times, we’ve compiled a list of tips and hints on caravan care. What you should be doing to preserve and maintain your caravan and what you shouldn’t be attempting yourself. ## Caravan Servicing Experts advise that a new caravan should be serviced within 3 months from the time of purchase or use the 1,000 klms as a guide. Then it should be carried out every 10,000 klms or every 12 months. Some specialist repairers warn strongly against servicing your caravan yourself. While minor repairs and general upkeep include DIY tasks, major servicing and many specific tasks are better left to the professionals. Professional caravan servicing may include but not be limited to:- - Removing the hubs and inspecting and cleaning the bearings, backing plate assemblies and the pads. - Repacking the wheel bearings and replacing the bearing seals. - Checking the electric brake for safe operation and other aspects. - Inspecting and greasing the suspension. - Inspecting tyre wear and condition. - Inspecting the jockey wheel, park brake and tow hitch. If you are even vaguely considering doing major servicing yourself, you may like to research some of the [horror stories of DIY jobs](https://www.caravancampingsales.com.au/editorial/details/diy-caravan-service-warning-127922/ "Read about Troubling Tales from DIY Projects Gone Wrong") that have been reported by qualified repairers. Such reports note that amateurs do not have the experience to identify potential problems and other issues as a professional can. They see a lot of basic errors which have the potential for serious damage to the caravan and other disastrous consequences. If you want to ensure your caravan retains optimum resale value, entrusting the servicing to a pro could be good advice. ## Maintain a Regular Cleaning Routine [Keeping your caravan clean](https://www.brokenheadholidaypark.com.au/9413/caravan-cleaning/ "Learn Effective Methods for Maintaining Caravan Cleanliness") sounds like basic stuff but not everyone pays enough attention to the detail. Regular cleaning of the exterior not only removes the expected dirt that you would accumulate on a trip but prevents that dirt from building up and causing damage to the surface. If you’re caravan has sat unused for a period, then a full-on clean and check is advised by the experts. Moisture left or building up can cause rust to develop and erode key components. Fatigue in key components can also occur even when a vehicle is idle. Experts recommend taking caravans for a drive even when not being used to give the componentry use. Sitting idle for extended periods is not good for a caravan. So when you have an afternoon spare, hitch up and go for a drive. ## Keep the Seals Well Maintained Seals can deteriorate with exposure to the environment and with age. Checking the seals regularly and replacing when necessary will ensure better insulation, better protection from the elements and better overall operation of doors and windows. Remember the door seals, window seals, skylights, tailgate and boot sales, pop top and slide-outs. ## Regularly Check the Tyres Not just for air pressure but for wear and tear. While you have your car tyres inspected for vehicle rego each year, not everyone remembers to [check caravan tyres](https://www.allbrandcs.com.au/tips-for-when-to-replace-your-caravan-tyres/ "Ensure Your Caravan's Tire Condition Is in Good Check"). They do have recommended lifespans and should be adhered to. Especially if you are an off-roader. Your tyres will be undergoing more wear and tear on tracks than on the black top and may wear faster. Always have your vehicle tyres checked regularly including the wheel alignment to ensure safe towing. ## Storage When not in Use If you want to retain your caravan value, then storing it undercover and in a safe place when you’re not using it will be essential. Leaving a caravan on the street or in the outdoors for an extended time will definitely lead to natural wear and tear to say nothing for the potential for damage from drivers and theft. Consider renting space at a storage facility or in a nearby garage. If you don’t have those options, invest in a purpose-made caravan cover. The modern fabrics in specific caravan covers can be very effective in protecting the van from general environmental issues. These are just a few hacks we’ve picked up in our reading on keeping your caravan in good condition so it’s ready to deliver you a great resale value. Of course, one of the best ways to ensure the resale value delivers you a return is to buy well in the first place. Ensuring you purchase your caravan with a [cheap caravan loan](/ "Explore Affordable Financing Options for Your Caravan") can make that initial investment even more significant in the long term. **To discuss finance on a caravan speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: INFORMATION, CONTENT, DATA, REFERENCES AND HINTS CONTAINED IN THIS ARTICLE ARE INTENDED PURELY FOR GENERAL INFORMATION AND NO LIABILITY FOR ERRORS OR SIMILAR IS ACCEPTED. THE INFORMATION IS NOT INTENDED TO FORM THE SOLE BASIS FOR FINANCIAL DECISIONS. ANY READER CONSIDERS THAT MAY REQUIRE ADVICE ON THEIR PERSONAL OR BUSINESS FINANCIAL SITUATION, THEY ARE ADVISED TO SEEK THE PROFESSIONAL ASSISTANCE OF A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [Caravan Road Safety Campaign](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-road-safety-campaign) **Published:** December 12, 2020 **Author:** Publisher **Content:** With Australian state borders now re-opened following the easing of coronavirus restrictions, the highways, byways, tracks and trails are set to be very busy with caravan tourers and holidaymakers. Many of these will be first-time caravan owners as there has been a surge of interest in caravan and all types of recreational vehicles as people seek alternative travel plans due to COVID-19. At Jade Caravan Finance we’re keen to ensure both our new and existing customers are fully across many aspects caravan ownership and that includes road safety. While it may be viewed essentially as a form of accommodation, a caravan is a road vehicle and safety must be addressed with the same priority as car safety. We applaud initiative of the Caravan Industry Association of Australia with the launch of its [Caravan and RV Road Safety campaign](https://www.caravanindustry.com.au/caravan-rv-road-safety-campaign-launched-in-preparation-for-increased-camping-road-trip-tourism "Get Involved in the Road Safety Campaign for Caravans and RVs") to educate caravan owners around road safety. The initiative is providing free assets, both digital and print, in conjunction with the Association’s partners to educate, inform and create awareness. ## Safety Tips for Caravan Owners The Caravan Association initiative includes information about:- - Manage fatigue - Use rest stops appropriately - Preparing your vehicle for travel - Sharing the road - UHF communication - Towing - RV weights Safety is paramount on the road and we encourage caravan owners to connect with the resources available through to keep informed and up to date. ## Know Your Tow One of the biggest and most important skills for new caravan owners to master is towing their vehicle. Going from driving a car to towing a caravan for the first time is a major step and at Jade we strongly encourage our customers to seek courses run by professionals so they are educated correctly. There is quite a lot to know, starting with weights around your caravan and what your car is authorised to tow. From there, you need to know about stability, braking and other driving techniques to safely manoeuver your caravan both on the highway and into and out of parking areas and caravan park sites. A good reference site is [https://caravantowingguide.com.au/](https://caravantowingguide.com.au/ "Visit the Caravan Towing Guide Website for More Information") Another great site for road safety tips is [https://coexist.org.au/](https://coexist.org.au/ "Explore the Coexist Organization's Website for More Details") which has videos and information especially developed for caravan travellers. ## Know Your Licence and Rego Does your driver licence cover you to tow your caravan? You will need to check your state road department regulations and that the weight/size of your RV is permitted with your category of licence. Certain categories of licence are not permitted to tow a vehicle at all and some only up to a certain GVM. Some small caravans can be towed with a small-medium passenger car while most will need a larger wagon or SUV. Before deciding on the caravan you want and talking to Jade about the [lowest interest rate caravan loan](/interest-rates "Discover Caravan Financing with the Most Competitive Interest Rates"), spend a few minutes researching the issues around your driver’s licence and the car you have to tow the caravan. Upgrading your licence and/or your car be required. As with all trailers and vehicles that are towed, caravans and camper trailers need to be registered with your state roads authority. Details can be obtained through your state authority. If purchasing a new caravan through a dealer, they may register the vehicle as part of the pre-delivery preparation. In that case, the cost may be able to be included in your Jade caravan loan. ## Know Your Insurance Insurance is an important aspect associated with road safety. Is something unfortunately does go wrong you want to know that your insurance will cover you and your vehicle. When you take out a caravan loan with Jade, you will be required to take out caravan insurance. As a double check of all things safety this season, review your policy so you know what you are and are not covered for. ## Know Your Loan If you’re planning to get into caravanning, then knowing your loan options is an important step. For the purchase of caravans, camper trailers, RVs, motorhomes, on road and off road models, Jade Caravan Finance provides the [Secured Caravan Loan](/secured-caravan-finance "Explore Our Secure Financing Options for Caravans"). This has a universally accepted loan structure and features our signature cheap interest rates which are fixed for the fixed term of the loan. The caravan is used as security by the lender against the loan and the borrower repays the loan in equal monthly instalments over the loan term. The borrower has full possession of the vehicle and is responsible for all costs such as rego, insurance and maintenance. When the loan is finalised, the lender releases the security interest and the borrower has unencumbered ownership. [Jade Caravan Finance](/ "Unlock Your Caravan Financing Options with Jade") negotiate interest rates to the cheapest possible and preferred terms from our vast choice of banks and lenders so we secure you a loan that will suit your life and your lifestyle. So if you’re planning to join the great caravan armada, swot up on the road safety regulations and requirements and secure a great loan through Jade to start your exciting new lifestyle in the caravan of your choice. **For a caravan finance quote contact Jade Caravan Finance at 1300 000 003** DISCLAIMER: READERS ARE ADVISED THAT THIS INFORMATION AS PRESENTED IN THIS ARTICLE IS INTENDED FOR GENERAL INFORMATION PURPOSES AND NOT AS FINANCIAL ADVICE. PEOPLE NEEDING FINANCIAL ADVICE ARE RECOMMENDED TO CONSULT WITH A FINANCIAL ADVISOR TO ASSIST IN REGARD TO THEIR INDIVIDUAL CIRCUMSTANCES. INFORMATION AND CONTENT IN THIS ARTICLE MAY HAVE BEEN SOURCED FROM A RANGE OF PUBLICATIONS AND INFORMATION RESOURCES. NO LIABILITY IS ACCEPTED FOR ANY ERRORS OR *MISINTERPRETATION OF OTHER ISSUES AROUND THE PRESENTATION.* **Categories:** Caravan Buying Articles --- ### [Support Small Aussie Businesses: Bushranger Campers](https://www.jadecaravanfinance.com.au/blog/caravan-articles/support-small-aussie-businesses-bushranger-campers) **Published:** December 15, 2020 **Author:** Publisher **Content:** As an Australian company ourselves, [Jade Caravan Finance](/ "Unlock Your Caravan Financing Options with Jade") is keen to show our support for other Australian businesses, especially small operators. In this article we’re showcasing a small, family owned and operated business – [Bushr](https://bushrangercampers.com.au/ "Visit the Bushranger Campers Website for More Information")[a](https://bushrangercampers.com.au/ "Visit the Bushranger Campers Website for More Information")[nger Campers](https://bushrangercampers.com.au/ "Visit the Bushranger Campers Website for More Information"). Located in south-east Melbourne, Bushranger Campers is a designer and manufacturer of hybrid campers and trailers. If you’re not familiar with a hybrid camper, it is essentially a blend of a caravan and camper and usually constructed narrower than traditional caravans. Usually no wider than a 4WD vehicle, the towing vehicle. They tend to offer more of the creature comforts of caravan over traditional camper trailer models such as showers and toilets and more furniture. But still retain many of the benefits of a camper. Hybrids are very popular, especially for those that like to head off the black-top and along trails and tracks to access less-visited camping locations. There are plenty of those to be found across Australia and Jade Caravan Finance makes those experiences accessible for many with our [cheap interest rate caravan loans](/interest-rates "Explore Affordable Caravan Financing with Low Interest Rates"). Jade provides finance for all types of caravans including hybrid models, which are available through a number of Australian caravan manufacturers. The loan options available through Jade for a hybrid model are the same as for traditional and other off-road caravans and included in our [Secured Caravan Loan](/secured-caravan-finance "Discover Our Secure Financing Options for Caravans") category. If you’re in the market for a hybrid, why not check out the Bushranger range. This is a small business but has loads of experience and we particularly respect their focus on sourcing most of the materials used in their vehicles from other local Australian manufacturers and suppliers. ## The Bushranger Range of Campers There are four models in the Bushranger Campers range: the Great Divide, Country, Joey and Safari. We’ll take a look at each to give you a taste of what you could be enjoying the great Australian outdoors in for your next holiday or travel experience. ### Bushranger: Great Divide The Great Divide model is a hybrid camper which according to Bushranger, offers a unique set up for living and cooking which differentiates this model from others. This living cooking space is created through ‘unfolding’ the back which becomes a roof and a full rear annex created. This model is available with either 2 single beds or a double. The cooking facilities are impressive and an external shower tent can be added. ### Bushranger: Country The Country model is a hard floor camper which features a double bed with under-bed storage, and outdoor cooking facilities. The list of standard inclusions is impressive and include large lockable storage, jerry can holders, galvanised pack rack, roll out sink, 240 v and 12 v power, awning and flyscreens. ### Bushranger: Safari The Safari is another of Bushranger’s hard floor campers. It includes a slide-out kitchen with a cooker and grill and stainless sink. The chassis is by Preston and has 1.6 mm steel walls and Austrak 7 leaf independent trailing arm suspension. ### Bushranger: Joey As the name implies, [the Joey](https://bushrangercampers.com.au/product-category/models/joey/) is the smallest camper in the Bushranger range. It is available in a [double bed](https://bushrangercampers.com.au/models/joey-double-bed/) or single bed model. As with other Bushranger models, the chassis is a hard-wearing one by Preston. The smaller, compact size will suit many people, not only for the ease of travelling but also storage when not in use. It fits in an average garage. Plenty of essentials are included such as a 63-litre water tank, tri-fold table, 12 v fridge, outside slide-out cooker with BBQ and plenty more. ## Financing Your Bushranger Camper If one of the models in the Bushranger Campers range suits your travelling and holiday style, then start thinking about your options for finance. Jade Caravan Finance is a specialist in leisure vehicle loans and provides finance for hybrid caravans and campers such as the Bushranger range. The [Secured Caravan Loan](/secured-caravan-finance "Explore Secured Caravan Loans for your adventure") is the popular finance type which covers all types of leisure vehicles including hybrid campers. It has a simple loan structure where the camper is used as security against the loan and the borrower repays the loan in equal monthly instalments over the loan term. This type of loan suits many camper buyers and Jade consultants negotiate the loan terms and conditions on behalf of our customers to tailor a solution to their needs. We are accredited with a large number of banks and lenders so we have more options to source you a cheaper loan and at the same time we’re saving you time and hassle. A Jade Camper Loan includes:- - Our cheap interest rates which are fixed for the full term of the loan to provide assurance and certainty. - A fixed loan term which is negotiated with the lender by your Jade consultant to best meet your preferences. - A fixed monthly repayment which our consultants negotiate to as close as possible to the level requested. Our loan application process is simple and streamlined with no-obligation quotes, fast approvals and the all-important prompt settlement to finalise your camper purchase and get you on the road faster. **To discuss how we can get you into your own Bushranger Camper speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: YOU ARE ADVISED THAT THE INFORMATION PRESENTED HERE IN THIS BLOG, IS FOR GENERAL INFORMATION AND NOT INTENDED TO REPRESENT FINANCIAL ADVICE IN ANY WAY. IF YOU CONSIDER THAT YOU DO REQUIRE ADVICE IN REGARD TO YOUR FINANCIAL SITUATION, THEN WE RECOMMEND THAT YOU SEEK A CONSULTATION WITH A PROFESSIONAL FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED IN REGARD TO THE DETAILS OR ANY ERRORS IN THE CONTENT WHICH MAY IN PART HAVE BEEN SOURCED FROM A RANGE OF SOURCES.* **Categories:** Caravan Buying Articles --- ### [Head West: Sites and Sights in WA](https://www.jadecaravanfinance.com.au/blog/caravan-articles/head-west-sites-and-sights-in-wa) **Published:** December 18, 2020 **Author:** Publisher **Content:** Finally after what feels like an eternity, the [state border restrictions](https://www.health.gov.au/news/health-alerts/novel-coronavirus-2019-ncov-health-alert/coronavirus-covid-19-restrictions/coronavirus-covid-19-domestic-travel-restrictions-and-remote-area-access "Stay Informed About State-to-State Travel Limitations") and Australians can travel freely again from coast to coast. For many caravan owners that means it’s time to get back on the road and for some, that bucket list tour of Western Australia. If you’re planning a trip from the eastern states to WA, we’ve put together a few tips and ideas for you. If you’d like to be planning a caravan trip to WA but you don’t have a caravan, then the first thing to do is speak with [Jade Caravan Finance](/ "Discover Your Caravan Financing Solutions with Jade") about a pre-approved loan so you can proceed with your purchase. ## Selecting and Preparing Your Caravan If you are purchasing a caravan with the intention of heading west, you will want a type and model that is suited to the conditions. It is a long drive and in places a long distance between towns and rest stop facilities. So ensuring you have self-sustaining facilities in your vehicle is an important consideration. Think large or extra water tanks, plenty of storage space, external storage for jerry cans and spare tyres and a good sized fridge for your food and beverages. Solar power would be strongly advised so you are not reliant on staying at parks. While there are plenty of places in WA to visit via highways and sealed roads, there are also plenty of locations accessible via tracks and trails. If these are on your itinerary, then an off-road or semi-off road caravan would be a good idea. Pretty much all our Australian caravan manufacturers have an off-road model in their range so you have plenty of choice. When it comes to finance, there is no difference between our [Safe and Secured Caravan Loans](/secured-caravan-finance "Explore Secure and Reliable Caravan Financing Options") for on road, hybrid or off-road vehicles. The same loan is suitable for all types of caravans. ## Sights and Sites WA is a huge state and travellers can choose to cover a wide range of both coastal and inland locations in the one trip. Referring to [www.westernaustralia.com](https://www.westernaustralia.com/en/things-to-do/must-do-and-top-10/top-10-camping-grounds "Visit the Western Australia Tourism Website for More Information") before you leave or even en route, can provide some great ideas on what to see and where to go. In the era of COVID-19, it’s wise to stay across news updates as border restrictions and other conditions can change with little warning. If you decide to start from Perth, Big 4 for example have a park in Midland. From there you can head north or south to start your WA exploration. If you want to visit [Rottnest Island](https://www.rottnestisland.com/ "Discover More About Rottnest Island on Our Website"), it is a ferry ride from Perth but to our knowledge, it is only for passengers not vehicles. But they have great accommodation options on the island if you want a break from caravan life. Head south and you have the magnificent [Margaret River region](https://www.margaretriver.com/), famous for wine and food production and great surfing. Holiday parks to check in at include the Big 4 at Middleton Beach, [Taunton Farm](https://tauntonfarm.com.au/), Emu Beach, Denmark Beach and Beachlands. North from Perth along the coast and you can discover great places right up what is known as the Coral Coast and beyond to the Kimberley. Take the [Indian Ocean Drive or Coral Coast Drive](https://www.australia.com/en/trips-and-itineraries/perth-and-surrounds/5-days-on-the-indian-ocean-drive.html). There are many great parks where you can stay including Geraldton, Exmouth, the famous Monkey Mia, Ledge Point and right up to Broome. A trip to WA wouldn’t be complete without an experience in the outback and there are a number of free camping sites which may suit caravan travellers with self-contained vehicles. There is a drive which WA tourism sites refer to as the [Great Kimberley Wilderness Loop](https://www.westernaustralia.com/en/Itinerary/The_Great_Kimberley_Wilderness_Loop/5ad5757cc8e73e935942b2d1) which allows you to connect with the 40,000 year old culture of the area. The route is Broome to Kununurra and covers nearly 7000 klms. Due to the seasonal weather it is recommended to travel in May through October. Whichever direction you choose, a caravan adventure in WA is sure to be an experience of a lifetime! ## Securing Your WA Travel Van Setting yourself up with a new caravan for a WA escape can be also be an enjoyable experience when you arrange your finance through Jade Caravan Finance. Because we handle it all for you! Just contact us and you’ll be assigned one of our highly trained finance professionals to handle your loan from your initial contact through to final settlement. Our Secured Caravan Loan is suitable for all types of caravans from all manufacturers and is structured with a universally accepted consumer loan format: The caravan is used as security against the loan and the borrower repays in monthly instalments. While not all banks may offer a specific caravan loan, as leisure vehicle specialist lenders, we have access to lenders that do. Your consultant will source you the cheapest caravan loan quote from across our lending panel. If our quote meets with your approval, then we can proceed to process your loan and assist you with the paperwork. Both pre-approved and post-purchase loans are available so you can either organise your finance before you start looking at caravans or after you’ve decided on the one you want. Whichever you choose, our streamlined service will have you in your own [rent to buy caravan](/caravan-lease "Explore Rent-to-Buy Options for Caravans") and heading west ASAP! **For a caravan finance quote contact Jade Caravan Finance at 1300 000 003** *DISCLAIMER: YOU ARE ADVISED THAT THE INFORMATION PRESENTED HERE IN THIS BLOG, IS FOR GENERAL INFORMATION AND NOT INTENDED TO REPRESENT FINANCIAL ADVICE IN ANY WAY. IF YOU CONSIDER THAT YOU DO REQUIRE ADVICE IN REGARD TO YOUR FINANCIAL SITUATION, THEN WE RECOMMEND THAT YOU SEEK A CONSULTATION WITH A PROFESSIONAL FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED IN REGARD TO THE DETAILS OR ANY ERRORS IN THE CONTENT WHICH MAY IN PART HAVE BEEN SOURCED FROM A RANGE OF SOURCES.* **Categories:** Caravan Buying Articles --- ### [Caravan News: 2021 Show Dates](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-news-2021-show-dates) **Published:** December 22, 2020 **Author:** Publisher **Content:** While there was a surge in interest in caravans in 2020 as international travel plans thwarted, many manufacturers and suppliers missed the opportunities to showcase their products with the cancellation of caravan and camping shows across the country. Fortunately for both suppliers and enthusiasts, organisers have posted dates for many shows for 2021. Clearly, all events will be subject to the [COVID-19 restrictions and health orders](https://www.health.nsw.gov.au/Infectious/covid-19/Pages/public-health-orders.aspx "Stay Updated on COVID-19 Restrictions and Public Health Guidelines") at the time, but hopefully you can get to an event and check out the latest caravans, campers and accessories on the market. Here is a selection of dates for the first 6 months of 2021 that we have compiled and we will bring you the later part of the year in a later article:- - **[NSW Caravan Camping Holiday Supershow 2021](https://www.supershow.com.au/ "Explore Highlights from the 2021 NSW Caravan Camping Holiday Supershow"): 13-18 April 2021** This is the biggie for many caravan enthusiasts! A full 6 day event which brings the latest caravans, motorhomes, camper trailers, campervans and all the accessories into the one place. An amazing opportunity for buyers to check out the latest products and take advantage of show special offers. - **Newcastle Caravan Camping Lifestyle Expo** 5-7 February 2021, Newcastle Entertainment Centre - [**Moreton Bay Caravan, Camping, Boating and 4×4 Expo**](https://bayexpo.com.au/) 12-14 February 2021, Redcliffe - [**Let’s Go Caravan and Camping Show – South Australia**](https://www.caravanandcampingsa.com.au/) 17-21 February 2021, Adelaide Showgrounds - [**Let’s Go Gold Coast Caravan and Outdoor Expo**](https://www.caravanqld.com.au/show/gold-coast-caravan-and-outdoor-expo/) 5-7 March 2021, Metricon Stadium - [**The Great Outdoor and 4×4 Expo**](https://www.greatoutdoorexpos.com.au/) 11-14 March 2021, Mornington Racecourse - [**Perth Caravan and Camping Show**](https://caravanandcampingshow.com.au/) 17-21 March 2021, Claremont Showgrounds - **South Queensland Caravan, Camping, Boating and Fishing Expo** 9-11 April 2021, Nambour Showground - **Albury-Wodonga Caravan, Camping, 4WD Fish and Boat Show** 30 April-2 May 2021, Albury Showground - **The Great Outdoor and 4×4 Expo, Ballarat** 30 April-2 May 2021, Ballarat Showground - [**Cairns Home Show and Caravan, Camping and Boat Show**](https://cairnsexpo.com.au/) 7-9 May 2021, Cairns Showground - [**Townsville Expo**](https://townsvilleexpo.com.au/) 14-16 May 2021, Boundary St South Townsville - [**Geelong Outdoor Living Show**](https://www.outdoorlivingshow.com.au/) 21-23 May 2021, Geelong Showgrounds - [**Mackay Home Show and Caravan, Camping and Boating Expo**](https://mackayexpo.com.au/) 21-23 May 2021, Mackay Showgrounds - [**Queensland Caravan, Camping, Touring Supershow**](https://www.caravanqld.com.au/show/lets-go-queensland-caravan-camping-supershow/) TBA – likely June 2021, Brisbane Showgrounds - [**Darwin 4WD, Boating and Camping Expo**](https://www.darwin4wdcampingexpo.com.au/) 26-27 June 2021, Darwin Showgrounds These will likely be extremely popular events, so if you’re planning to attend, then book your caravan site well ahead so you don’t miss out! Check the organiser’s website closer to the date for details of exhibitors and any special pre-show offers. Make sure you have our [caravan loans calculator](/loan-calculator "Access Our Caravan Loans Calculator Tool") loaded on your phone so you can work out rough repayments on prices as you inspect the vans on display. ## Get Pre-Approved Before Show Time Manufacturers and suppliers will likely be extremely keen to showcase their products and eager to move stock to make up for a less than stellar 2020. For buyers that can mean great deals and show specials. Show specials are a favourite but if you don’t have your caravan finance organised, you can’t always take advantage of them. Some of them might be time-limited to signing up on the day. Jade Caravan Finance offers pre-approved secured caravan loans so you can be prepared to capture a show special. With some of the shows scheduled early in the new year, it’s never too early to contact us and arrange your loan. A pre-approved caravan loan follows the same processes as our usual loan application process, except it is done prior to your final caravan purchase decision. The same loan applies – our Secured Caravan Loan and the same loan application requirements apply. To apply for a [caravan loan with Jade](/ "Discover Caravan Financing Options through Jade"), you can phone us and apply over the phone at 1300 000 003 or use our online application form. Our [cheap interest rates caravan finance](/interest-rates "Explore Affordable Caravan Financing with Favorable Interest Rates") apply equally to pre-approved loans as to standard loans and the repayments and loan terms are fixed. So no need to worry about those details. Just give us a call and get the process started! ## News Snippets In a few other news snippets…. In browsing the latest across the caravan industry news, we spied a few new model announcements to share. **[Crusader Caravans](https://crusadercaravans.com.au/) have launched [their new 2021 CRV Range](https://crusadercaravans.com.au/crv-range/).** This is a luxury caravan camper range which is targeted at first-time buyers. It’s easy to tow, set-up and store and includes a range of comforts that you expect in a Crusader. **[Nova Caravan](https://novacaravans.com.au/) launches new motorhome for 2021!** This will be exclusive to [EmuRV](https://www.emurv.com/) and is a 2 seater motorhome based on a [Fiat Ducato](https://www.fiat.com.au/ducato.html). Worth checking out when the big reveal happens At Jade Caravan Finance we are anticipating that Interest rates will remain at low levels into 2021 and with [changes to consumer finance laws](https://treasury.gov.au/consultation/c2020-124502) due in March-April 2021, it could be a great time for you to consider your first or your next caravan purchase. **To discuss a caravan loan, speak with a Jade Caravan Finance consultant 1300 000 003** *DISCLAIMER: THE DETAILS AND INFORMATION PROVIDED IN THIS ARTICLE ARE NOT INTENDED AS THE SOLE SOURCE OR AS ADVICE IN REGARD TO FINANCIAL INFORMATION BUT FOR GENERAL PURPOSES ONLY. PERSONS REQUIRING ADVICE ON THEIR FINANCIAL SITUATION ARE DIRECTED TO CONSULT WITH THEIR FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATIONS IN THE INFORMATION AS PRESENTED. THE DATA AND DETAILS* MAY HAVE BEEN SOURCED IN PART FROM THIRD-PARTY *SOURCES.* **Categories:** Caravan Buying Articles --- ### [Willow RV: Manufacturer Showcase](https://www.jadecaravanfinance.com.au/blog/caravan-articles/willow-rv-manufacturer-showcase) **Published:** December 26, 2020 **Author:** Publisher **Content:** As an Australian business ourselves, Jade Caravan Finance is keen to showcase other Aussie businesses especially the amazing caravan manufacturers. In this showcase we profile [Willow RV](https://willowrv.com.au/ "Visit the Willow RV Website for More Information"). An Australian caravan manufacturer with a facility in Pakenham in Victoria and with combined experience in their team in excess of 45 years in the recreational vehicle industry. Willow RV differentiates their product and approach to caravan manufacturer with their philosophy of quality and innovation. Particularly appreciating that their caravans must provide a sanctuary for their customers away from the weather and the elements, when they strike. So equal attention is paid to the interior of every vehicle as much as to the exterior. The company states that many of the inclusions on their caravans are often considered as extras on many other caravan brands. The construction techniques used include full welding, use of hot dipped galvanised steel, tough chassis to create a lightweight vehicle that offers a smooth towing experience. In developing their caravans, the Willow RV team utilise 3D design technology to nail the ergonomics and other key design elements prior to moving into manufacturer. So what can you expect from a Willow RV caravan? We cover off on the range with key features. ## Willow RV Illawarra Series [The Illawarra](https://willowrv.com.au/illawarra-series-caravans/ "Discover More About 'The Illawarra' Model Here") is available in a 21’8” and a 21’10” model, with neither compromising on space or on luxury. A very smart looking caravan and an extremely stylish interior. The look is high-end and the inclusions are cleverly designed with innovative space saving and storage elements, a very well-laid and workable galley and spacious bathroom. The larger model features a king size bed and bunks so it’s ideal for the whole family to travel in comfort. ## Willow RV Ironbark Series [The Ironbark](https://willowrv.com.au/ironbark-series-caravans/ "Explore Details of 'The Ironbark' Model Here") is a slide-out model, available in 21’ and 19’ models. You can expect a very generously proportioned kitchen with gourmet touches, spacious shower, 3kg washing machine and all that extra space created with the slid-out. ## Willow RV Boab Series [The Boab Series](https://willowrv.com.au/boab-series-caravans/) is designed as the adventure models in the Willow RV range. Available in 18’ and 20’ models for couples or duos that don’t want to stay on the well-worn roads but want to explore beyond the black-top. Off-road features and durability and packed with features and inclusions that ensure you won’t be skimping on comfort or luxury. The smaller 18’ model has Willow’s smart and stylish interior with clever design and use of space and storage options. So many cupboards – fantastic for those that plan to travel for quite a while and want to bring loads of gear. ## Willow RV Conifer Series [The Confier Series](https://willowrv.com.au/conifer-series-caravans/) offers a much larger number of model sizes with 8 different size/layout options. No wonder this is their most popular series. Choices include queen bed, single beds and family bed set-ups in sizes from 16’ to 19’6”. Lightweight construction and packed with all the comfort and luxury you expect and want when you’re on the road either for a short getaway or an extended tour. Which Willow RV will be the one for you? Check out the full selection and use our [Fast Caravan Loan Calculator](/loan-calculator "Get Quick estimates with our caravan loan calculator") for repayment estimates on the different price points to assist in the decision-making process. ## Finance for Your Willow Selecting which Willow RV you will purchase may take some consideration, they all look like high quality Australian-made caravans with the features and inclusions to satisfy even the most discerning caravan buyers. Fortunately, the decision as to how to finance your new Willow RV is much easier than selecting which model. Just one call to Jade Caravan Finance is all it takes to access the [cheapest caravan loans](/ "Explore the Most Affordable Caravan Financing Options"). We’re accredited with a vast selection of lenders and we access our contacts to bring you the cheapest quote for your loan. In fact, we show you just how well we can do on our compare lenders calculator chart. Our [Secured Caravan Loan](/secured-caravan-finance "Discover Our Secure Financing Solutions for Caravans") is the loan most widely used by our caravan customers. It’s easy to understand as it follows a universally-accepted loan format. The caravan is used as security against the loan. The borrower simply makes monthly repayments over the loan period until the loan is repaid. When the loan is finalised, the lender releases the security over the caravan. That’s the standard loan format, but at Jade we include our [cheap interest rates caravan finance](/interest-rates "Explore Cost-Effective Caravan Financing with Low Interest Rates") to make our products better. Jade’s cheap interest rates, fixed for the full term. No need to think about reviewing your interest rates when the [RBA](https://www.rba.gov.au/ "Visit the Reserve Bank of Australia (RBA) Website for More Information") makes changes to the official interest rate, no need to ‘fix’ or adjust your interest rate over time. Simply lock in your low interest rate caravan loan with Jade and head off on your touring adventures. Apply online or just give us a call and complete the caravan loan application form over the phone with one of our consultants. **For a cheap quote on a luxury Willow RV, contact Jade Caravan Finance 1300 000 003** *DISCLAIMER: THE DETAILS AND INFORMATION PROVIDED IN THIS ARTICLE ARE NOT INTENDED AS THE SOLE SOURCE OR AS ADVICE IN REGARD TO FINANCIAL INFORMATION BUT FOR GENERAL PURPOSES ONLY. PERSONS REQUIRING ADVICE ON THEIR FINANCIAL SITUATION ARE DIRECTED TO CONSULT WITH THEIR FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATIONS IN THE INFORMATION AS PRESENTED. THE DATA AND DETAILS* MAY HAVE BEEN SOURCED IN PART FROM THIRD-PARTY *SOURCES.* **Categories:** Caravan Buying Articles --- ### [On the Horizon - Nova Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/on-the-horizon-nova-caravans) **Published:** November 14, 2020 **Author:** Publisher **Content:** When you’re in the market for a new or your first caravan, it can be a daunting experience. There are many great Australian caravan manufacturers, all offering variations and options of their own which you can select to suit your touring and holiday plans. At [Jade Caravan Finance](/ "Unlock Your Caravan Financing Solutions with Jade") we don’t single any out for preference, we provide cheap loans across the industry. But we do like to showcase individual manufacturers to give our customers information on what is available. In this article, we’re looking at [Nova Caravans](https://novacaravans.com.au/ "Learn More About Nova Caravans on Our Website"). An award-winning caravan manufacturer located in Campbellfield Victoria and offering a great range of luxury caravans. The brand differentiates its offering with its extensive range of both standard and upgraded options available so buyers can personalise their caravan. The entire manufacturing process is carried out at the company’s state of the art facility. In-house work covers furniture which hand-crafted, electricals, assembly, quality checks and construction using outstanding quality componentry. There are 6 models in the Nova Caravan 2020 model range so check them out to decide which will best suit your caravanning lifestyle. When comparing and selecting the options, use our [caravan finance calculator](/loan-calculator "Calculate your caravan loans with ease") for repayment estimates. All models in the Nova Caravan Range will suit our [Secured Caravan Loan](/secured-caravan-finance "Explore Our Secure Financing Options for Caravans"), subject to individual requirements. You’ll personalise your Nova and your Jade consultant will tailor your finance deal to suit you. We source quotes for each customer individually. Negotiating the cheapest rate and bargaining with our lenders on specific conditions in order to best meet your requirements. With a Secured Caravan Loan, the caravan is put up as security against the loan, you have full use and ownership of the caravan and repay the loan in equal fixed monthly repayments over the fixed term of the loan. When all payments are finalised, the lender releases the security over the caravan. ## Nova Caravans Range The 2020 selection includes - Metrolink - [Bravo Signature Series](https://novacaravans.com.au/bravo/ "Discover the Bravo Signature Series Here") - Vita - [Family Escape Signature Series](https://novacaravans.com.au/family-escape/) - Terra Sportz - Pride Platinum ### Vita Model The Vita model caught our eye with its sleek, distinctive external lines. This look is achieved with Nova’s unique panel feature across the windows. This model has luxury and versatility – a high-end model with 9 layouts to select from. The layouts offer options with bed and en suite up one end, or galley in the centre and bed and en suite at separate ends and choice of dinette or club lounge style dining seating. A large skylight optimises the natural light, an open ambience is created by the high gloss finish on the doors and the deluxe fittings complete the luxury atmosphere. In the Vita you can expect ceramic toilet, concealed handles, a smart TV and functional vinyl upholstery. Choices for additions include opting for independent suspension, a tunnel boot, upgrading to leather upholstery, upping the air con systems and a few other clever ideas that the Nova team have in mind. The list of standard inclusions is extensive and impressive! ### Pride Platinum Model This model is also quite distinctive externally with a flatter, sleeker silhouette. This is a slide-out model with a central section sliding out to the side to increase the dining and/or bedroom space. Tagged as the company’s top of the range offering, [the Pride Platinum](https://novacaravans.com.au/pride/) is manufactured and marketed as luxurious masterpiece with exceptional quality. The interior showcases the Nova craftsmanship with luxury fixtures and finishes cleverly combined with a focus on functionality and openness. As you would expect, the standard inclusions in this Nova model is outstanding with a 223 litre fridge, induction cooking and an oven, roll-out awning and great external speakers for those relaxed times outdoors. Seven layouts are offered and choices between L-shaped or club lounge, single beds in some layouts and café or recliner seating. ### Terra Sportz For those wanting an off road caravan, check out the [Nova Terra Sportz model](https://novacaravans.com.au/terra-sportz/ "Explore the Nova Terra Sportz Model Here"). Built to handle those places you want to go with independent suspension, skid plates, sandwich panel walls, double-glazed windows, loads of checkerplate for protection, solar panels, the all-essential grey water tank and the very important under chassis protection Off roaders usually want self-sufficiency and the Terra Sportz understands with loads of tech to integrate into your life and streamline your travelling experience. ## Securing Your Nova Check the Nova website or give them a call for their dealerships to view the caravans. Or just jump right in, call Jade and arrange pre-approved [caravan finance at low interest rates](/interest-rates "Unlock Affordable Caravan Financing with Low Interest Rates") so you’re ready to order. Our pre-approved loan process follows the same steps as post-purchase loans. To request a quick quote or submit a loan application, use our online forms or just give us a call. You will be assigned a consultant who will handle your Nova quote and the entire loan procedure. Interest rates are low, borders are open so it’s time to get your caravan and enjoy a great Nova Caravan holiday experience with a Jade Caravan loan. **For a quote on a loan for a Nova Caravan, contact Jade Caravan Finance 1300 000 003** *DISCLAIMER: THE INFORMATION, OPINIONS, DATA, POLICIES, PRODUCT SPECIFICATIONS AND OTHER CONTENT CONTAINED AND EXPRESSED IN THIS ARTICLE HAS BEEN OBTAINED THROUGH RECOGNISED REPUTABLE SOURCES, PRIMARILY IN THE PUBLIC DOMAIN. LIABILITY IS NOT ACCEPTED FOR ANY ERRORS OR MISINTERPRETATION OF SAID CONTENT. THIS CONTENT IS NOT INTENDED OR PROVIDED AS THE SOLE SOURCE OF INFORMATION OR AS SPECIFIC FINANCIAL ADVICE IN REGARD TO MAKING DECISIONS BY INDIVIDUALS OR BUSINESSES. THOSE THAT CONSIDER THAT THEY NEED PROFESSIONAL ADVICE SHOULD REFER TO A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### ['Borderless' Travel in Your Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/borderless-travel-in-your-caravan) **Published:** November 24, 2020 **Author:** Publisher **Content:** If you were on a plane or about to board a flight to Adelaide in mid-November when South Australia quite suddenly imposed a state-wide lockdown your holiday plans were probably dashed. Reunions with family, catch-ups with friends or much-awaited vacations all having to be re-organised or cancelled. But if you were [travelling towards a South Australian holiday](https://www.healthdirect.gov.au/covid19-restriction-checker/domestic-travel/sa "Embark on a Journey to South Australian Holidays") with your caravan in tow and heard the news, you could have simply detoured to the nearest caravan park and waited out the 6 days while discovering possibly a new destination. The flexibility of caravan touring has been significantly highlighted during the coronavirus pandemic making RV travel almost ‘borderless’. If state borders are closed due to an outbreak, caravan tourers can be completely flexible and quickly adapt their plans. Not something that is quite so easy to do with air travel. Flexibility and freedom appear to be key reasons for the uptick in interest in buying a caravan. With a caravan you bring your own accommodation with you. You can visit family and friends just about anywhere in Australia without imposing and overstaying your welcome. As a leading lifestyle lender, Jade Caravan Finance provides the [lowest caravan financing](/ "Discover the Most Affordable Caravan Financing Options") to make buying your caravan as enjoyable an experience as travelling ahead. If flexibility and freedom are some of the reasons that you’ve taken an interest in buying a caravan, we’ll share our tips, hints and guide to buying a caravan and enjoying ‘borderless’ travel. ## Tips for Buying a Caravan We’ve covered many aspects of buying a caravan in our articles and we invite you to review these for more details. Here’s a quick guide:- - Consider how and where you will be travelling in selecting the type of recreational vehicle that suits your plans. - Caravans, camper trailers, motorhomes and RVs all tend to be included in the general ‘caravan market’ and ‘caravan loans’ sectors. - Apart from the obvious differences in size and accommodation, the vehicles are built for on road, semi-off road and fully off road travel. Off-road caravans have stronger chassis and suspension to handle rough tracks. - Australia has many great caravan manufacturers so you have a lot to select from. The [Caravan Industry Association](https://www.caravanindustry.com.au/accreditation/industry-supplier/accredited-suppliers/ "Visit the Website of the Caravan Industry Association") has an accreditation system for manufacturers which you can check to find a manufacturer that suits you. - Manufacturers usually have their own website with varying quantities of detail in regard to floorplans and inclusions. Some sell through dealers, others direct. - While some dealers will have models in stock for immediate delivery, caravans tend to be built to order so you will have to allow manufacturing time. - You will need to register your caravan so check your state roads authority for details. - Ensure your car is suitable for towing a caravan. There are small, lightweight models available that can be towed by small-medium cars. ## Pre-Purchasing Resources Jade has provided a number of resources and tools to assist caravan buyers in the pre-purchase decision making phase. - Articles showcasing numerous manufacturers in our library. - [Caravan Loan Calculator](/loan-calculator "Access Our Caravan Financing Calculator Tool"): you can easily calculate quick estimated repayments on any vehicle you are considering. This is a very useful tool when comparing different models and different manufacturers and if you really need certain extras. - Finance planner – use our calculator as a planner. By varying the loan term, you will see how that varies the repayments. This resource can assist in deciding if you will choose to pay a deposit or request a no deposit caravan loan and borrow 100% of the purchase price. ## Finance Options - Most buyers will require finance for their caravan purchase and Jade is a specialist in the leisure sector. We provide caravan loans across the full range at our better interest rate policy. - Many manufacturers now offer finance deals for buyers. These will usually be through a third party finance company. Sometimes this type of finance can include commissions back to the company which may result in a higher priced loan. Check the detail and we recommend to always get a quote from Jade to compare. - Some banks and finance companies may offer caravan finance but usually it will be a more general personal loan. This type of loan has set guidelines and requirements which do not always include the flexibility that Jade finance deals include. To show how competitive and better Jade can be in the caravan finance market, we’ve provided a loan comparison tool on several pages in our website. This allows you to instantly compare caravan loans across leading lenders including Jade Caravan Finance. ## Flexible Jade Finance Jade provides flexibility in our caravan loans as each application is treated individually with personalised attention from your own Jade consultant. We source the best offer from across a large range of lenders to come up with the cheapest deal which meets YOUR requirements. Our services include:- - No-obligation enquiries to discuss your options. - A quick quote facility available by phone or email. - Personalised attention with your own Jade consultant to handle your loan. - Nationwide service to handle your finance regardless of where you are and where the caravan you are purchasing is located. - Pre-approved finance so you can be totally organised before ordering your van. - No deposit [secured caravan finance](/secured-caravan-finance "Explore Our Reliable and Protected Caravan Financing Options") is available. In many cases, the lender will not request an additional deposit be paid. - Fast approvals and prompt settlement so you can get your order confirmed and your build happening. Enjoying the flexibility of ‘borderless’ travel can start with a call to Jade Caravan Finance to see what great finance deal we can source for your caravan purchase. **For loan quotes on** caravans, camper trailers, motorhomes and RVs, speak with a Jade Caravan Finance consultant at **1300 000 003** *DISCLAIMER: ALL INFORMATION PROVIDED IN THIS ARTICLE IS INTENDED FOR GENERAL INFORMATION PURPOSES AND NOT AS AN EXCLUSIVE OR SOLE SOURCE FOR MAKING FINANCIAL DECISIONS. INDIVIDUALS SHOULD SOURCE INDEPENDENT ADVICE FROM A FINANCIAL ADVISOR IF THEY REQUIRE SPECIFIC DIRECTION IN RELATION TO THEIR CIRCUMSTANCES. CONTENT MATERIAL, DATA, SPECIFICS, PRODUCT FEATURES AND OTHER INFORMATION ARE SOURCED FROM A RANGE OF SOURCES AND NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATIONS OF SUCH DATA.* **Categories:** Caravan Buying Articles --- ### [Caravan Parks and Camping Site News](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-parks-and-camping-site-news) **Published:** November 28, 2020 **Author:** Publisher **Content:** Caravan holidays are experiencing a resurgence as a result of COVID-19 and caravan and holiday parks will be heavily booked this season. So planning well ahead is definitely the way to go to avoid disappointment. At Jade, we stay across the news in the leisure industry both for caravans and holiday parks, and bring you this update to assist your holiday and travel planning. ## Weather and Bush Fires Most importantly and primarily, you need to be constantly across the weather and forecasts during the Australian summer. [Bush fire season](http://www.bom.gov.au/weather-services/fire-weather-centre/bushfire-weather/index.shtml "Stay Informed About the Wildfire Season") has already started and as we saw in 2019/20 fires can start and spread quickly. When travelling in a caravan, stay tuned to local radio for updates and ensure you have a fire plan. ## Tips for Selecting a Caravan Park Here’s a few tips to assist in selecting a place to stop and stay that truly suits your style and objectives:- - Family and Kid-friendly: if you’re holidaying as a family, then selecting a park that is set-up to welcome children is a priority. Many provide play areas, swimming pools, waterslides and other attractions on site. - If you’re travelling without children and prefer a non-child experience, select a park which does not focus specifically on family activities. - Alternatively, check out the [free camping sit](https://www.jadecaravanfinance.com.au/blog/caravan-articles/free-camping-and-caravan-sites-in-queensland/ "Discover Free Campgrounds and Overnight Stops.")[e](/blog/caravan-articles/free-camping-and-caravan-sites-in-queensland/ "Discover Free Campgrounds and Overnight Stops")[s](https://www.jadecaravanfinance.com.au/blog/caravan-articles/free-camping-and-caravan-sites-in-queensland/ "Discover Free Campgrounds and Overnight Stops.") directories for places to stay. These directories are more for sites and places that allow caravan and camping but have limited facilities. In most cases, these locations are better suited to caravans which are self-contained with large water tanks, solar power and toilets. - Pet-friendly. If you’re travelling with your beloved pets, ensure the park will allow them. Check the fine print in regard to how your pet must be handled while on the premises. - Site Size – if you have a large vehicle, ensure the park has a site large enough for you. - The [Caravan Industry Association](https://www.caravanindustry.com.au/ "Visit the Website of the Caravan Industry Association") has an accreditation system for parks which indicates they have met a certain criteria for quality. ## New Brand and New Campaign for G’Day Parks Top Parks has a new brand name and is now known as G’Day Parks. G’Day Parks is described as the largest independent community of caravan and holiday parks with over 280 parks across Australia. The company has a great new website [www.Gdayparks.com.au](https://www.Gdayparks.com.au "Explore G'day Parks' Website for More Information") which covers news and provides an easy to use resource to find one of their parks anywhere in Australia. The website includes details of each park including pricing, which is very handy to have clearly published. The CEO is reported as saying he hopes the G’Day brand will become an iconic Australian brand. G’Day Parks is working with the [Tourism Australia ‘Holiday Here this Year’ campaign](https://www.tourism.australia.com/en/about/our-campaigns/holiday-here-this-year.html "Learn More About the 'Holiday Here this Year' Campaign by Tourism Australia") with their own ‘Say G’Day to More of Australia’ drive. ## Big Ideas at Big 4 Big4 Holiday Parks are well known and highly regarded and they also have a website which details their parks and facilities across Australia. Big4 also note that they have many parks which are equipped with bathroom facilities for those with limited mobility. If you’re wondering what to cook while in a caravan, head to [www.big4.com.au](https://www.big4.com.au) for some recipe ideas. ## Setting Your Sites Another great resource we share is [www.campsaustraliawide.com](https://www.campsaustraliawide.com) This friendly website has locations for free camping sites across Australia, caravan parks and great feedback and articles on locations. They share first-hand experience of their visits which come across as very honest and straightforward. Not just advertising hype! Worth checking out their bucket list to do suggestions if you’re looking for travel inspirations. ## Preparing to Tour Of course the essential requirement for caravan holiday and touring is – a caravan! With interest rates at record low levels and interest in caravanning at all-time highs, now could be the right time to turn your casual interest into a vested interest with a purchase. New caravans tend to be manufactured to order, so you’ll want to get your order in promptly to ensure delivery in line with your travel plans. To assist with your purchasing, [Jade Caravan Finance](/ "Unlock Your Caravan Financing Options with Jade") provides pre-approved loans. This type of loan is almost an essential when customising your new caravan to suit your style. Manufacturers will offer a range of choices in the type of van plus the floorplan and many other options with add-on packs, fixtures and fittings. With a Jade pre-approved loan, you will have your budget set, know your limits and hopefully that will contain your enthusiasm when it comes to ordering a caravan with the works! ## Pre-Approved Jade Caravan Loans include:- - [Secured Caravan Loan](/secured-caravan-finance "Discover Our Secure Financing Solutions for Caravans") arranged based on a set purchase price. - No deposit finance options. - [Cheap interest rates caravan loans](/interest-rates "Click here for Affordable Caravan Financing with Low Interest Rates"), fixed for the loan term. - Fixed loan term and fixed repayments. - Quick quotes, fast approvals, prompt settlement. Our loans are sourced from across our vast lender panel to ensure we have achieved you the cheapest rates and cheapest loan deal that best meets your individual requirements. To get prepared to enjoy a great caravan experience this summer, contact Jade to organise your finance as the first step. **For a caravan finance quote contact Jade Caravan Finance 1300 000 003** *DISCLAIMER: ALL INFORMATION PROVIDED IN THIS ARTICLE IS INTENDED FOR GENERAL INFORMATION PURPOSES AND NOT AS AN EXCLUSIVE OR SOLE SOURCE FOR MAKING FINANCIAL DECISIONS. INDIVIDUALS SHOULD SOURCE INDEPENDENT ADVICE FROM A FINANCIAL ADVISOR IF THEY REQUIRE SPECIFIC DIRECTION IN RELATION TO THEIR CIRCUMSTANCES. CONTENT MATERIAL, DATA, SPECIFICS, PRODUCT FEATURES AND OTHER INFORMATION ARE SOURCED FROM A RANGE OF SOURCES AND NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATIONS OF SUCH DATA.* **Categories:** Caravan Buying Articles --- ### [Touring in Your Own Domain](https://www.jadecaravanfinance.com.au/blog/caravan-articles/touring-in-your-own-domain) **Published:** December 2, 2020 **Author:** Publisher **Content:** One of the great attractions of caravan and RV travelling is having your own space, your own place, your own domain, set-up to meet your requirements. So why not consider literally have your own ‘domain’ with the purchase of one of the amazing RVs from the [Domain Caravans collection](https://domaincaravans.com.au/ "View the Selection of Caravans in the Domain Caravans Collection"). As an Australian business, [Jade Caravan Finance](/ "Discover Your Caravan Financing Options with Jade") is keen to showcase other Aussie businesses such as Domain Caravans. The Australian caravan and RV industry has a rich heritage and Domain is another example of a ‘next generation’ of industry experts branching out to start their own business. With decades of experience and their own ideas for new design and quality products, the founders moved on from another builder to form Domain Caravans. The brand differentiates itself with best value for money proposition while maintaining excellence and elegance in the finished product. A concept that Jade can well relate to with our own [cheap interest caravan finance](/interest-rates "Explore Budget-Friendly Caravan Financing with Low Interest Rates") offering. Purchase a Domain Caravans RV with a Jade loan and let’s say you double your value for money. Selecting your Domain RV is your first step, or you could contact Jade first to arrange a pre-approved caravan loan so you can move into discussions with Domain around what you want in your vehicle, with total confidence that your finance is confirmed. ## Domain Caravans Range The range covers 3 model collections, each with its own variants. [Royal Tourer Series](https://domaincaravans.com.au/our-caravans/royal-tourer-series/): The [CF 17](https://domaincaravans.com.au/caravan/royal-tourer-cf17/), [CF 20B](https://domaincaravans.com.au/caravan/royal-tourer-cf20-b/), [CF 20 A](https://domaincaravans.com.au/caravan/royal-tourer-cl20-a/) and Fortune [RC20 A](https://domaincaravans.com.au/caravan/fortune-rc20-a/) are available in this series. The CF 17 is a compact 17’ van which is designed as the ideal ‘domain’ for couples to tour and holiday in luxury. It has a highly contemporary interior style with high quality appliances and plenty of options to customise to your taste. The clever floorplan design incorporates a queen bed, dinette and toilet, shower and vanity as well as a well-equipped kitchen set-up. The Fortune RC20 A steps up a level to the top of the range in this series. Sleek, luxurious and featuring unique appointments including reclining seating and a gas-lift bed to provide valuable under-bed storage. [Discovera](https://domaincaravans.com.au/our-caravans/discoverance-series/)[n](https://domaincaravans.com.au/our-caravans/discoverance-series/)[ce Series](https://domaincaravans.com.au/our-caravans/discoverance-series/): The family series and available in [DT 21A](https://domaincaravans.com.au/caravan/discoverance-dt21-a/) and DT 22 models. Within the 21’ of the DT 21A, they manage to cleverly incorporate a queen bed plus 2 bunk beds, dinette, shower, toilet and vanity bathroom, kitchen area and a huge 182 litre fridge, something that is essential for a family of four on the road. At 22’ the DT 22 is the largest RV in the Domain range and has a dual axle, loads of style and functionality to suit a family or travelling group of 4. [Off-Road](https://domaincaravans.com.au/our-caravans/off-road/): [The Wedgetail Hybrid](https://domaincaravans.com.au/caravan/wedgetail-hybrid/) and the Tourister are the company’s off-road vehicles. Hybrids are gaining popularity in the market so the Wedgetail could be worth you considering. It has accommodation for two people and a neat floorplan which incorporates pretty much everything you need for life, off-road. The 20-foot Tourister is essentially an off-road variation on the CF 20. Chic interior and rugged exterior to take you where many other caravans simply can’t access. ## Decision-Making Tools Deciding which of the Domain Caravans models is THE one for you may be a challenge. But Jade provides you with a range of resources to assist with the process, if that decision is around the dollars. Our lender comparison table allows you to quickly and easily establish that Jade offer cheap loans. We’ve created this resource to allow customers to see how our interest rates compare significantly better than several leading lenders. So you’re getting Jade to source your finances. With that decision made, it’s over to our [caravan loan repayments calculator](/loan-calculator "Use Our Calculator for Caravan Loan Repayment Estimations") to see how repayments may differ across the different Domain models. Simply enter the purchase price or amount you wish to borrow, and your preferred loan term and an estimate of repayments will be displayed. For many of our customers, no deposit is required on loans for new caravans so the full purchase price can usually be included in the finance. Compare as many models as you like. All that sorted, time to move on to securing a Jade pre-approved [secure caravan loan](/secured-caravan-finance "Explore Our Safe and Reliable Caravan Financing Options"). Why is pre-approved the way to go? There are many reasons why people opt to sort their finances before starting discussions with the caravan manufacturer. One of the major reasons is that they know their loan is confirmed and how much it will cost them. If you want to stay within your dollar limits, it can be a great help when it comes to deciding no optional extras. ## Getting into Your Domain Now it’s time to move into your domain by speaking with a Jade Caravan Finance consultant about your specific loan. You can apply online or you can just call us and discuss the process in person. Apart from our cheap interest rates and loans, another great benefit of selecting Jade to arrange your finances is our personalised approach. You will be assigned a consultant who will be your contact throughout the loan process and will handle all the aspects of your application. No passing you onto someone else to handle the next stage or having to deal with a different person every time you contact us. We’ll assist you to get comfortably into your own domain with cheap finance. **To discuss how we can get you into your own Domain Caravan, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THE INFORMATION WHICH HAS BEEN PREPARED AND PRESENTED IN THIS ARTICLE IS INTENDED FOR GENERAL INFORMATIVE PURPOSES ONLY. IT IS NOT IN ANY WAY MEANT TO BE USED AS THE ONLY SOURCE OF INFORMATION OR ADVICE IN REGARD TO FINANCIAL DECISIONS. IF YOU CONSIDER YOU NEED GUIDANCE, WE RECOMMEND YOU SEEK OUT A PROFESSIONAL FINANCIAL ADVISOR. THE DATA, DETAILS, SPECS AND OTHER MATERIAL PRESENTED ARE SOURCED FROM VARIOUS SOURCES AND NO LIABILITY IS ACCEPTED FOR ERRORS AND MISINTERPRETATIONS IN PRESENTING THIS INFORMATION.* **Categories:** Caravan Buying Articles --- ### [Tassie Touring](https://www.jadecaravanfinance.com.au/blog/caravan-articles/tassie-touring) **Published:** December 8, 2020 **Author:** Publisher **Content:** While mainlanders may have thought they were doing it tough during the [coronavirus border restrictions](https://covid19.homeaffairs.gov.au/ "Stay Informed About COVID-19 Border Limitations"), spare a special thought for Tasmanians. A thought to get there now that borders are reopened!! While mainland caravan travellers have been able to travel and holiday within their own state borders, they’ve missed out on the amazing experiences that Tasmania has to offer. And from what we hear, Tasmanians have very much missed the caravan tourists. A caravan road trip in Tasmania offers amazing adventures so why not get into caravanning with your own caravan and head across the Bass Strait to the Apple Isle. With interest rates at historic low rates, Jade Caravan Finance can offer even cheaper loans than ever. And a caravan purchase provides you with holiday and travel accommodation for many years ahead. So what’s Tasmania got to offer? We explore and then explain how you can get in on the action. ## Natural Wonders The road trip to Tasmania starts with a cruise – on the Spirit of Tasmania from Melbourne. After being stopped through the coronavirus pandemic, the service is now reopened and offers accommodation, dining and entertainment while you cross the Bass Strait. Find out more at [https://www.spiritoftasmania.com.au/](https://www.spiritoftasmania.com.au/ "Visit the Spirit of Tasmania Website for More Information") Tasmania is renowned for its natural beauty and road tripping can be the best way to choose what is of major interest to you and allow you to travel at your own pace. Choose between the world heritage areas, rainforests, national parks and wilderness or the amazing arts and culture offerings in Hobart. For ideas on planning your itinerary [https://www.discovertasmania.com.au/](https://www.discovertasmania.com.au/ "Explore Tasmania's Attractions on the Discover Tasmania Website") Don’t forget to take in the historic sites to enrich your knowledge. ## Fresh Food Tours Tasmania is famous for fresh produce and taking a foodie tour in your caravan around the state is an awesome idea. Stop at the wineries, breweries, distilleries, producers outlets and dairy farms to sample and purchase their products. Cheese, wine, cider, seafood, malt whiskey, gin – are all made in Tasmania. Expand your repertoire by enrolling in one of their cooking schools. ## Places to Stay When travelling Tasmania in a caravan, you have a range of choices for sites. There are over 50 caravan parks across the state plus sites in wilderness and off the main track locations. Big 4 and Discovery Parks groups both operate parks in Tasmania with options for pet friendly and other special facilities. Check out the options and ways to book at [https://caravanningtas.com.au/](https://caravanningtas.com.au/ "Visit the Caravanning Tasmania Website for More Details") For those that prefer to be self-contained and do it their way, there are free camp sites in more remote locations available. [Petal Point](https://www.freecampingtasmania.com/listing/petal-point-campground/ "Discover More About Petal Point on Our Website") on the north-east coast may be worth considering, as is the beach front site at Mayfield Bay which requires you to bring your own drinking water but does have disabled toilets, mobile phone coverage and pets are allowed. If you have children on tour that always want to swim, free sites with pools include the [Weldborough Hotel campsite](https://www.campsaustraliawide.com/weldborough-hotel-camping-now-free/) and the [Branxholm campground](https://www.freecampingtasmania.com/listing/branxholm-free-camping/). Wherever you choose to stay, remember to be COVID-safe, adhere to all local requirements and stay across any unfolding changes if the health orders are subject to revision. ## Buying a Tassie-ready Caravan If you’re looking to buy a caravan to travel to Tasmania, then considering how you plan to enjoy your adventures will play a big part in which caravan to purchase. The wilderness areas are a major drawcard for the state and there is a myriad of trails and tracks to explore. If that is your style, then an off-road or hybrid caravan could be the best option. Most caravan manufacturers offer off-road models in their collections. While these vehicles are built to withstand what the rugged Aussie landscape has to offer, they’re certainly not rugged when it comes to luxury living. Caravan makers continue to excel in the high standard of lifestyle creature comforts they include in the vehicles and for first-timers you may get quite a shock as to how luxurious life off the grid can be. A few makers are also offering hybrids which are specifically designed for tracks and trails and off grid living. Many are narrower than traditional vans, no wider than the towing vehicle, for easier manoeuvring on bush tracks. When comparing the offerings from different manufacturers, use our [Caravan calculator for financing](/loan-calculator "Access Our Financing Calculator Tool for Caravans") to get a rough idea of repayments. It’s very handy too for not only comparing prices of caravans but for planning how you may like your caravan loan structured in relation to loan terms and other aspects. ## Applying for a Caravan Loan If you’re heading to Tasmania you’re going to want some spending money for the sensational cheese, wine, whiskey, seafood and other produce available. So securing the cheapest caravan loan possible should be your main priority. Better interest rates and better loans are our policy at Jade Caravan Finance and we achieve the [lowest interest rates for caravan repayments](/interest-rates "Explore Caravan Repayment Options with the Best Interest Rates") to make your repayments cheaper. To see exactly how well we stack up compared to several other lenders, just refer to our ‘Compare Lenders’ chart. Pleased with what you see? Applying for a loan with us is easy – give us a call and apply over the phone or apply online. Your consultant will handle the process, sourcing the cheapest loan from across our vast sources and assisting with the paperwork. Our quick quotes, fast turnaround and streamlined service will have you in your own caravan and on the way to a Tassie adventure ASAP. **To discuss how we can get you into your own caravan to enjoy a Tasmanian touring adventure, speak with a Jade Caravan Finance consultant at 1300 000 003** DISCLAIMER: READERS ARE ADVISED THAT THIS INFORMATION AS PRESENTED IN THIS ARTICLE IS INTENDED FOR GENERAL INFORMATION PURPOSES AND NOT AS FINANCIAL ADVICE. PEOPLE NEEDING FINANCIAL ADVICE ARE RECOMMENDED TO CONSULT WITH A FINANCIAL ADVISOR TO ASSIST IN REGARD TO THEIR INDIVIDUAL CIRCUMSTANCES. INFORMATION AND CONTENT IN THIS ARTICLE MAY HAVE BEEN SOURCED FROM A RANGE OF PUBLICATIONS AND INFORMATION RESOURCES. NO LIABILITY IS ACCEPTED FOR ANY ERRORS OR *MISINTERPRETATION OF OTHER ISSUES AROUND THE PRESENTATION.* **Categories:** Caravan Buying Articles --- ### [When Size Matters - Small and Micro Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/when-size-matters-small-and-micro-caravans) **Published:** October 24, 2020 **Author:** Publisher **Content:** When it comes to caravans, many buyers are looking for larger models with all the bells and whistles and a space that is a true home away from home. If you have the vehicle to tow it and you’re planning a long time away, then big is the right way to go. But then there’s the other end of the spectrum. Those that want a small caravan for 1-2 people and especially that is easy to tow with a standard or smallish car. At [Jade Caravan Finance](/ "Explore Caravan Financing Solutions with Jade") we welcome all buyers and provide loans for a wide range of leisure and recreational vehicles. Small, micro and funky teardrop caravans make caravanning more accessible to a greater section of the population as you don’t always need a bigger vehicle or specialist driving skills to tow them. Then there’s the storage when not in use issue. The smaller the better for many people! But going small doesn’t always mean having to compromise on facilities. We’re taking a look at just some of the manufacturers that are offering small and micro caravans in the current market. ## Paramount Caravans [Paramount Caravans](https://www.paramountcaravans.com.au/ "Discover the World of Paramount Caravans") have been in the business for 20 years and are an accredited business with the [Caravan Industry Association of Australia](https://www.caravanindustry.com.au/ "Explore the Caravan Industry Association of Australia"). They offer a range of caravans including a small caravan collection. The Micro 2019 model has sleeping for 2 adults and is available in lengths of 15’6 to 16’8”. Roomy, stylish and could be your ideal getaway machine. [The Mini Micro 2019](https://www.paramountcaravans.com.au/caravans-mini-micro-14/ "Discover the 2019 Mini Micro Model") is just 14’ long but sleeps two adults and has optional packs for semi and full off road capabilities. The single beds convert to seating and you have a shower and toilet combo plus well-equipped cooking facilities inside. What else would you need? Check these options out at ## Jayco J-Pod The name [Jayco](https://www.jayco.com.au/ "Explore the Jayco Collection") is synonymous with caravan life in Australia so it’s not surprising that they would provide a comprehensive range of models including an option in the small size end of the market. [The J-Pod](https://www.jayco.com.au/range/jayco-j-pod/jayco-j-pod "Discover The J-Pod Series") can be towed by a small SUV or an average sedan and it has accommodation for two people in a double bed. There are two J-Pod models – Sport and Outback. The kitchen is a slide-out configuration and is well-equipped with fridge and burners. You may be touring ‘small’ but Jayco clearly appreciate that you may want to bring some toys. So the J-Pod is equipped to take your bike or possibly a kayak on its roof. It is a take on the teardrop shape which is experiencing somewhat of a resurgence. This is a great looking vehicle which brings the good life of caravanning into realm of so many more people. Just hitch up your regular vehicle and you’re on your way for a great adventure. ## The Little Caravan Company As their name implies, this business offers a range of fully self-contained small caravans as small as 12 foot. There are both off road and on road models available with great inclusions. Check them out at ## Teardrop Caravans The classic teardrop shape is reminiscent of caravan life as far back as the 1930s. Several Aussie manufacturers are leading the resurgence of interest in these small and micro caravans which are useful as well as being extremely eye-catching and very different. - **Cool Beans Campers:** a WA based business that is producing the funkiest, fun and bespoke collection of teardrop shaped micro vans ever. You just have to check them out yourself, words don’t do them justice These are custom-made so you can have the guys build yours to specific requirements. - **Suncamper Smidge:** well-known for their motorhomes, Suncamper also now offers a teardrop camper with genuine retro styling and packed with features. - **Riptide Campers:** is a leader in building teardrop campers in Australia and their range is well worth very close consideration for those wanting a vehicle between super small and micro but with sufficient space to enjoy life. riptidecampers.com.au ## Small Interest Rate Finance for Small Caravans Whether you’re buying a large or a small caravan, you’ll receive our [cheap interest rate caravan finance](/interest-rates "Explore Affordable Caravan Finance Options") deals. Not all the small sized caravans actually come with super-small price tags, so buyers will be seeking cheap finance to ensure their purchase is affordable. The Secured Caravan Loan from Jade features:- - Fixed interest rate - Fixed loan term - Fixed monthly repayment As a major leisure finance lender, Jade Caravan Finance has the experts and the bargaining power to negotiate better rate and a cheaper deal to ensure you receive the ‘smallest’ loan possible for your small caravan. The small and micro caravans we’ve mentioned come well-equipped with features and facilities and you can expect the same comprehensive coverage from your Jade consultant. We handle sourcing you the best offer from across our vast lending panel, handle the negotiations, structure the loan and handle the paperwork. Leaving you time to start your first trip. **To discuss a quote on finance for an Atlantic Caravan contact Jade Caravan Finance at 1300 000 003 to discuss a loan** *DISCLAIMER: THE DETAILS, INFORMATION, DATA AND MATERIAL PRESENTED IN THIS ARTICLE HAS BEEN SOURCED, IN FOOD FAITH, FROM REPUTABLE SOURCES IN THE PUBLIC DOMAIN. INFORMATION IN RESPECT OF GOVERNMENT ANNOUNCEMENTS, POLICIES, PROGRAMS, MANUFACTURER’S GOODS AND SERVICES AND OTHER SUBJECT MATTER IS OFFERED FOR GENERAL INFORMATIVE PURPOSES ONLY AND NOT IN ANY WAY INTENDED AS A SOLE SOURCE FOR THE PURPOSE OF MAKING FINANCIAL DECISIONS. NO LIABILITY IS ACCEPTABLE FOR ANY ERRORS OR MIS-INTERPRETATION OF FACTS AND MATERIAL. IF A PERSON CONSIDERS THEY REQUIRE FINANCIAL ADVICE IN REGARD TO THEIR SPECIFIC AND INDIVIDUAL CIRCUMSTANCES, THEY SHOULD SEEK INDEPENDENT ADVICE FROM A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [Budget, Basic or Bling? Caravan Buying Decisions](https://www.jadecaravanfinance.com.au/blog/caravan-articles/budget-basic-or-bling-caravan-buying-decisions) **Published:** October 26, 2020 **Author:** Publisher **Content:** Whether this is your first van purchase or you have been an avid embracer of the mobile touring lifestyle for decades, buying a new caravan is a very exciting prospect. Imagining yourself, friends and family enjoying the space, visualising how you will use the different features on offer, considering the individual floorplans and configurations to decide which is most suitable to your lifestyle – there are quite a few decisions to make. The plethora of great Australian caravan manufacturers can further complicate the process. There are so many, they all seem to offer great products, which one should you choose? Once you’ve chosen the manufacturer, which of their ranges then individual models will you go with? Most manufacturers offer several ranges including on road and off road variations and some offer a selection of variants within each range. Some decisions are based on personal preference, others decide on a specific caravan on the basis of recommendations by other owners. But for many buyers, a major deciding factor can be that all-important price. The price in terms of affordability. Will it be the budget model, the basic package or the one with all the bling and extras? From our perspective as lifestyle finance specialists, we’re approaching the topic from the [caravan loan](/ "Explore Caravan Financing Choices Now") angle. Providing you with some direction, information, resources and tools to assist you in the decision making process. A caravan purchase can be a long-term prospect as you may plan to keep it for quite a few years. So you want to ensure you make all the right decisions. ## Converting Price to Repayments For the most part, caravan manufacturers provide very informative coverage of each of their caravans on their websites. Great for browsing and comparing the list of features and inclusions from van to van and brand to brand. Some include a basic pricing while others request you contact them or one of their dealers for pricing. Price is one thing. But if you’re planning to take out a loan to purchase your caravan, it’s likely the more important dollar value is what your repayments will be. That can be the real deal maker or deal breaker. So the first step is to source the pricing on each of the caravans you are considering. Your selection may be based on a particular style and size from different manufacturers or the basic and deluxe editions from your manufacturer of choice. Equipped with the prices, now it’s time to put our [caravan loan repayment calculator](/loan-calculator "Calculate your Caravan Financing Repayments Today!") to use to convert that purchase price to possible caravan loan repayments. This is a great resource. It’s easy to use and it’s free to use! No obligations, just a free resource we make available to assist caravan buyers. The real value of the calculator is appreciated when you fully understand how you can use it to compare the different caravan prices and plan how you want your loan structured. To see the difference in repayments for a budget caravan, a basic model and the top of the range model, simply enter the purchase prices and keep the loan term and our current low interest rate the same. You’ll need to do separate calculations for each caravan. This process will quickly provide you with an estimate on repayments for each caravan. More significantly, you’ll be able to see if upgrading to the top of the range is still within your expectations. With our [caravan loan comparison rates](/interest-rates "Compare Caravan Loan Interest Rates Now"), you may find that the variations across the different prices a pleasant surprise. These are only estimated repayments as your actual offer may be more or less than the result displayed. But regardless, these could be the figures which put your caravan purchase in perspective and assist with making the final decision. ## Planning Your Caravan Loan When considering caravans based on price, the way your caravan loan is structured is important to take into consideration. With Jade’s [Secured Caravan Loans](/secured-caravan-finance "Explore Secure Financing Options for Your Caravan"), the same interest rate applies to all caravans – from budget to the fully blinged-out version. The interest rate and resulting loan offer you will be offered is assessed on your credit profile and application, not the price of the van. Note that individual lenders will have specific loan conditions around how much they will loan to certain applicants. Lenders may also have requirements around the maximum loan terms they will offer. But your Jade consultant will negotiate hard to achieve the terms you want. The loan term, that is the amount of time you have to pay off the loan, can be critical. By varying the loan term, the monthly repayments change. The longer the loan term the lower the monthly payments. The shorter the term the higher the monthly repayments. Deciding on a repayment level that works with your household budget is a personal decision. If you require advice around your financial situation, we recommend you consult separately with your financial advisor. In our role as a responsible lender under [ASIC guidelines](https://asic.gov.au/regulatory-resources/credit/responsible-lending/ "Follow the Recommended Procedures by ASIC"), we are not in a position to provide advice on individual financial decisions. So now with our resources and with the assistance of your Jade consultant, you can quickly source loan quotes on different caravans you are considering. So which one will it be? The budget, the basic or go for the top of line? **For loan quotes on the caravans you are considering, contact us and speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THIS ARTICLE INCLUDES INFORMATION, DATA, SPECS, DETAILS AND MATERIALS SOURCED FROM EXTERNAL SOURCES SUCH AS MANUFACTURERS, SUPPLIERS, GOVERNMENT DEPARTMENTS AND OTHER ORGANISATIONS AND NO LIABILITY IS ACCEPTED FOR ERRORS IN THE REPRESENTATION OR PRESENTATION OF SUCH INFORMATION. THE ARTICLE IS PRESENTED AS GENERAL INFORMATION ONLY AND IS NOT INTENDED AS SPECIFIC FINANCIAL ADVICE FOR INDIVIDUALS AND BUSINESSES. THOSE REQUIRING ADVICE IN REGARD TO THEIR INDIVIDUAL CIRCUMSTANCES ARE DIRECTED TO SEEK INDEPENDENT ADVICE FROM THEIR FINANCIAL ADVISOR OR CONSULTANT.* **Categories:** Caravan Buying Articles --- ### [Run Your Own Race in an Olympic Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/run-your-own-race-in-an-olympic-caravan) **Published:** October 29, 2020 **Author:** Publisher **Content:** The 2020 Games in Tokyo were sadly cancelled due to coronavirus, much to the disappointment of athletes, organisers and millions of sports fans across the globe. But right here in Australia, you can go for gold in an Australian-made Olympic Caravan with a [cheap caravan loan](/ "Explore Affordable Caravan Financing Options") from Jade Caravan Finance. In the highly competitive Australian caravan manufacturing industry, [Olympic Caravans](https://www.olympiccaravans.com.au/ "Discover the Range of Olympic Caravans") has over 30 years of experience. Longevity which may be very much the result of their personalised, family-run approach and the value for money that their range represents to buyers. ## Olympic Line-Up Olympic Caravans produces a range of caravan types including traditional full vans and pop-tops as well as custom-built orders. In theme with the company name, the caravan models include the Marathon, Javelin, Sprinter, Champion, Pursuit and Triathlete. But you won’t have to work up a workout sweat to enjoy an Olympic Caravan. Your Jade consultant will handle the finance side of the purchase and streamline the process so you are relaxing in your own Olympic dream in ‘record’ time. ## Marathon – The Flag Bearer The flagship of the range, [the Marathon](https://www.olympiccaravans.com.au/marathon "Explore the Features of the Marathon Model") is a modern design and includes an impressive list of standard inclusions that Olympic consider make their vans true value for money. On the inside, the standards include a 3 way fridge, curtains or venetian blinds, oven and cook top, skylight, microwave, air-con, pull-out pantry, innerspring mattress atop a Posturepedic base, cassette toilet, and hot water service. Noting that one of the Marathon floorplan layouts does not include a toilet, shower, hot water system or washing machine. Clearly this is designed to cater for those in the market that prefer the additional beds and will choose to utilise caravan park facilities. A consideration which shows their experience and understanding of the different needs of people on the road. Externally the standard inclusions are equally impressive atop the Supergal chassis:- wind out or double-glazed windows, choice of cladding, roll-out awning, table, 2 fresh water tanks, provision for solar and a heap more. ## Pursuit – Leading the Way This range is flagged by the sleek cabinetry and luxury additions to enhance the comfort factor and increase your enjoyment of touring in your Olympic. This collection offers a large number of standard layouts so buyers can select exactly the floorplan that will suit their lifestyle on the road. ## Triathlete – Triple the Enjoyment A triathlon sounds like a very gruelling experience to the average traveller. But in an [Olympic Triathlete caravan](https://www.olympiccaravans.com.au/triathlete-1 "Discover the Olympic Triathlete Caravan") it is comfort all the way. This range is defined by the style, space and the specifications. This is designed for those that like to enjoy free camping and have all their requirements at hand. The stylish and spacious interior has been cleverly designed to be at the same time compact and functional. ## Javelin – Spearheading Function [The latest model in the Javelin series is the X8](https://olympiccaravans.com.au/model-post/javelin-x8-x10/), which adds to the standards in the Marathon with a whole load of extras. We note the gas-lift bed which creates a heap of extra storage space which is so appreciated by those on extended time on the road. The interior is contemporary and light-filled thanks to the large windows throughout. ## Entering the Games For those seeking finance to purchase an Olympic caravan, you won’t have to compete for glory. Jade Caravan Finance assigns consultants to each of our customers so we do the hard yards in arranging your loan while you relax and plan your first trip in your new van. Your Jade consultant will handle the ‘competition’. We negotiate hard with our collection of accredited lenders to source the [cheapest interest rate caravan loans](/interest-rates "Explore the Most Affordable Caravan Loan Interest Rates") for each of our customers. As leading lifestyle lenders, we have the connections with both banks and non-bank finance companies, which provides us with a larger field of entrants to compete for your business. Applying for caravan finance is quite an easy and straightforward process. Simply contact Jade and a consultant will step you through the requirements. The most popular form of finance for a caravan purchase is the [Secured Caravan Loan](/secured-caravan-finance "Secure the Best Caravan Financing Options Today"). This type of loan follows a standard loan format with the lender accepting the caravan as security against the loan. ## Secured Caravan Loan key features:- - Your Jade consultant sources the cheapest quote from our range of lenders while negotiating the lowest interest rate and terms and conditions to best meet your requirements. - The interest rate is fixed for the full term of the loan – no need to adjust or amend your rates for the years of your loan. - The repayments are fixed at a set monthly figure. Set up a direct debit for your monthly payments and head off and relax. This type of loan offers the option to make additional payments to pay out the loan early with minimal break fees applicable. Your Jade Caravan Finance consultant sources the quote, processes your application, liaises fully with the lender and handles the paperwork through to the final settlement. Quick quotes and fast approvals are available so if you’re keen to get on the road, we can assist with the sprint! **To discuss finance for an Olympic Caravans model contact Jade Caravan Finance at 1300 000 003 to discuss a loan** *DISCLAIMER: THIS ARTICLE INCLUDES INFORMATION, DATA, SPECS, DETAILS AND MATERIALS SOURCED FROM EXTERNAL SOURCES SUCH AS MANUFACTURERS, SUPPLIERS, GOVERNMENT DEPARTMENTS AND OTHER ORGANISATIONS AND NO LIABILITY IS ACCEPTED FOR ERRORS IN THE REPRESENTATION OR PRESENTATION OF SUCH INFORMATION. THE ARTICLE IS PRESENTED AS GENERAL INFORMATION ONLY AND IS NOT INTENDED AS SPECIFIC FINANCIAL ADVICE FOR INDIVIDUALS AND BUSINESSES. THOSE REQUIRING ADVICE IN REGARD TO THEIR INDIVIDUAL CIRCUMSTANCES ARE DIRECTED TO SEEK INDEPENDENT ADVICE FROM THEIR FINANCIAL ADVISOR OR CONSULTANT.* **Categories:** Caravan Buying Articles --- ### [Holiday Here! Choosing a Caravan for Your Experience](https://www.jadecaravanfinance.com.au/blog/caravan-articles/holiday-here-choosing-a-caravan-for-your-experience) **Published:** November 3, 2020 **Author:** Publisher **Content:** After a 2020 with massive restrictions on our life and lifestyles, most Australians are not going to need much of a nudge to get away on a holiday. But now it’s come from the top. The Government wants us to take a holiday at home this year. Tourism Australia has relaunched their Holiday Here This Year campaign to inspire Aussies to explore regions which have been especially hard-hit by the coronavirus. In launching the campaign, the [Managing Director of Tourism Australia, Phillipa Harrison](https://au.linkedin.com/in/phillipa-harrison-7694875 "Tourism Australia's Managing Director, Phillipa Harrison, Discusses Strategies") said the campaign was to galvanize Australians in supporting others and inspiring those able, to book their next holiday. While Federal Minister for Tourism [Simon Birmingham](https://www.aph.gov.au/Senators_and_Members/Parliamentarian?MPID=H6X "Simon Birmingham's Latest Insights") does mention travelling by plane to these destinations to support domestic air travel, lovers of caravan touring can no doubt show support by holidaying in their own caravan. Caravan holidays allow you the flexibility to go where you want on your own schedule. No waiting around for airport transfers and other issues. You can budget your holidays over the fixed loan term when purchasing your caravan with a cheap loan from Jade Caravan Finance. Even better! ## Where to Go? To show your support for the campaign and the initiative, plan your caravan holiday itinerary to engage with some of the destinations and activities suggested in the campaign. The [campaign website](https://www.australia.com/en/trips-and-itineraries/self-drive-itineraries.html) includes a section for self-drive and road trip holidays. Perfect inspiration for caravan owners. The suggestions include: - Kakadu 6 day Family Trip to experience the outback - Seafood Frontier Tour – embarking on a seafood safari along the amazing Eyre Peninsular in South Australia - Discover the wine and food delights in Victoria’s High Country - Head to Byron Bay for surfing lessons - Take in the world heritage listed rainforest areas and reefs on the way from Cairns to Townsville by the Cooktown route. - Adventure in the wilds of Tasmania to marvel at the rainforests, pristine coastal areas and natural wonders. - If you’re in Perth, an interesting trip is suggested which encompasses colourful attractions including pink lakes, bright yellow moonscapes and black flowers. All these are possible and accessible in your own caravan. ## Choosing a Caravan for Your Holiday Experience If you’re new to the caravan holiday style, then you’ll need to select the caravan to suit a number of factors: how many people to accommodate, the roads you’ll be driving on, areas you’ll be entering, the vehicle you have to tow the van, if you want to be fully self-sufficient and numerous other considerations. Australian caravan manufacturers offer a wide range of traditional caravans, camper trailers, RVs, campervans and mobile homes to choose from. The chassis and suspension is designated for choice of road – son road, semi off road and fully off road models. Most manufacturers have very informative and comprehensive websites which detail the specs and features of their range. Many include videos and great galleries to see all the detail. You can effectively ‘build your caravan’ online. To assist with selecting the caravan to suit your travels, Jade provides a useful [caravan finance calculator](/loan-calculator "Calculate Your Caravan Finance Easily"). It’s free to use and accessible on our website here. So whenever and wherever you have internet access on your device you can use our calculator. You simply enter the amount you want borrow (usually the price of the caravan) and other data as indicated and you’ll receive a rough estimate on repayments for a loan that meets those specs. ## Caravan Finance Options Planning any type of holiday requires setting a budget. With Jade Caravan Finance, we assist with your holiday budgets well into the future with the fixed elements of our caravan loans. Most people and most caravans suit the [Secured Caravan Loan](/secured-caravan-finance "Get Started with a Secured Caravan Financing Solution"). This type of loan follows a standard loan format with the caravan used as security against the loan for the lender. The borrower pays off the loan at a set amount each month, the fixed repayments, for each month of the loan term. With a Jade loan, your interest rate is negotiated to the cheapest level by your consultant and then it is fixed for the entire loan term. While you may be advised to regularly review your home loans, you don’t have to do that with your Jade caravan loan. The interest rate is fixed. You can take that caravan holiday, comfortable and relaxed in the knowledge that your finances will be the same through the entire trip and beyond. With our [cheap caravan loan interest rate](/interest-rates "Explore Affordable Caravan Loan Interest Rates") assurances, you’ll be able to budget more for your fun tokens for experiences en route and on arrival at your destination. Caravan holidays are a great way to experience the wonders that Australia has to offer and possibly discover some secrets that others haven’t. And, the Government wants you to holiday here. So get moving and start planning your caravan holiday by first purchasing that caravan. **For loan quotes on the caravans you are considering, contact us and speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THIS ARTICLE INCLUDES DATA, SPECIFICATIONS, INFORMATION AND OTHER MATERIAL WHICH HAS BEEN ACQUIRED VIA VARIOUS SOURCES, GENERALLY AVAILABLE IN THE PUBLIC DOMAIN FROM MANUFACTURERS, GOVERNMENT ORGANISATIONS AND SUPPLIERS. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION AND INTERPRETATION OF THIS INFORMATION. THE ARTICLE IS PROVIDED FOR GENERAL INFORMATIVE PURPOSES AND NOT AS THE SOLE BASIS FOR MAKING FINANCIAL DECISIONS. IF ADVICE ON INDIVIDUAL FINANCES IS REQUIRED, IT IS RECOMMENDED THAT READERS REFER TO A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [Touring Essentials - Caravan Finance](https://www.jadecaravanfinance.com.au/blog/caravan-articles/touring-essentials-caravan-finance) **Published:** November 7, 2020 **Author:** Publisher **Content:** To experience the caravan lifestyle and touring enjoyment, there are some basic essentials you’re going to need. The list of essentials, is no particular order – a caravan, a caravan loan and an itinerary. We say in no particular order because [Jade Caravan Finance](/ "Discover Caravan Financing with Jade Finance") offers pre-approved caravan loans. So you can get your loan arranged based on estimate of what you think you’ll need to pay or what you want your limit to be, prior to deciding on a specific van. Pre-approved caravan loans, while not essential, can be extremely helpful in the whole purchasing process. You know your loan has been approved to a certain amount before committing to a purchase. This can remove a lot of stress if you first commit to a purchase without knowing if you can actually get a cheap loan to cover it. It also provides you with a ceiling, an upper limit for your loan. With the many options offered by caravan manufacturers, in good faith and for good reason, it may be handy to have that loan limit so you think twice before saying ‘yes’ to all the bells and whistles. The process for pre-approved loans is pretty much the same as for applying for a loan post-purchase. You contact Jade Caravan Finance, are assigned a broker who will handle your finance deal through all stages. They will source you a quote from across our large lender panel, negotiate the interest rate down to the lowest level possible and present the offer to you for your consideration. On accepting our offer, your application will be processed through to the ‘approved’ stage so you can go off and start caravan shopping. So let’s start shopping! ## Essential Caravans If a caravan is essential to your requirements, why not consider an [Essential Caravan](https://essentialcaravans.com/ "Discover the Essential Caravan Range Here"). Essential Caravans is one of Australia’s group of great local manufacturers located in Victoria. With the 20+ years of caravan industry experience of founder David Wilson combined with that of his team, you have a lot of knowledge and expertise going into the design and engineering of every one of the vans. The company has built its operation on a foundation of providing unbeatable value for money and brilliant build quality. Their designs are functional, the finishes superb and the layouts sensible and workable. The collection covers 3 current ranges: C Class, Highlander and [Outlander](https://essentialcaravans.com/caravans/outlander-series/ "Explore the Outlander Selection") with a fourth, Cruiser due for imminent release. ## C-Class ‘C’ definitely downplays the level of quality and finish in the [Essential C-Class Range](https://essentialcaravans.com/caravans/c-class/ "Discover the Essential C-Class Models"), This is a luxurious level of caravanning with the design maximising storage while creating a magnificently appointed vehicle. The range is highlighted by the LED lighting installed throughout and designed to allow ‘mood creation’. 2020 signalled a new colour range for the C-Class collection which includes the Touring, Family, Semi and Off Road models. The external shape and design is quite distinctive and very contemporary and appealing. Buyers have a large number of floorplans to select from so you can really customise your caravan to suit your touring requirements. ## Highlander Many caravan owners are choosing to find secret locations and head off-road to more remote sites to experience more of Australia’s natural wonders. To allow accessibility via more rugged trails and tracks, manufacturers have develop tough and rugged off road caravans. The [Essential off road ranges is the Highlander](https://essentialcaravans.com/caravans/highlander-series/ "Explore the Rugged Highlander Model in Essential's Off-Road Range") which sits atop a 6” galvanised steel chassis and rides on ALKO Enduro suspension which is built for off road adventures. But off road caravans need more than suspension to cater for the adventurer. The Highlander obliges with solar power as standard, plus grey water tanks and other inclusions to allow for self-sufficiency over an extended time. Off road doesn’t mean having to compromise on comfort. The Highlander delivers in luxury, comfort and style throughout with an en suite shower and toilet, well-equipped interior galley and cooking facilities, heaps of cupboards and storage so you can take all you need for those extended trips and plenty more. Select your length and layout and talk to the team about customising your Essential caravan. ## Essential Finance Most caravan buyers will require a loan to purchase their caravan of choice and Jade Caravan Finance has the essentials plus the added service extras to source a loan to suit the buyer and their caravan. As specialists in lifestyle lending, we have accreditation with a large number of lenders which include the major banks and non-bank lenders. This large choice of lenders enables us to source the [cheapest caravan finance interest rate](/interest-rates "Discover the Most Affordable Caravan Loan Interest Rate Here") option which best matches the requirements of each of our customers. The loan type may be reasonably standard for most caravan purchasers – the [Secured Caravan finance](/secured-caravan-finance "Explore Secure Financing Options for Your Caravan")– but our personalised service ensures that your loan is individually sourced and structured to suit your requirements. The essentials required for caravanning don’t have to be basic. A luxurious caravan and a personally arranged loan through Jade Caravan Finance take the ‘essentials’ to another, much higher and more aspirational level of necessity. **To discuss the all essential loans to purchase your caravan, contact Jade Caravan Finance at 1300 000 003** *DISCLAIMER: THIS ARTICLE INCLUDES DATA, SPECIFICATIONS, INFORMATION AND OTHER MATERIAL WHICH HAS BEEN ACQUIRED VIA VARIOUS SOURCES, GENERALLY AVAILABLE IN THE PUBLIC DOMAIN FROM MANUFACTURERS, GOVERNMENT ORGANISATIONS AND SUPPLIERS. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION AND INTERPRETATION OF THIS INFORMATION. THE ARTICLE IS PROVIDED FOR GENERAL INFORMATIVE PURPOSES AND NOT AS THE SOLE BASIS FOR MAKING FINANCIAL DECISIONS. IF ADVICE ON INDIVIDUAL FINANCES IS REQUIRED, IT IS RECOMMENDED THAT READERS REFER TO A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [10 Reasons to get into caravanning NOW](https://www.jadecaravanfinance.com.au/blog/caravan-articles/10-reasons-to-get-into-caravanning-now) **Published:** September 18, 2020 **Author:** Publisher **Content:** It was a ‘resurgence’ of interest in caravans but as a result of COVID-19 impacts, it could now be described as more of a ‘surge’ of people wanting to enjoy the caravan lifestyle. As a major finance broker in the leisure sector, [Jade Caravan Finance](/ "Discover Caravan Financing with Jade Finance") is assisting people of all ages and profiles to acquire their own camper trailer, caravan or RV to experience what this lifestyle has to offer. We’ve compiled some of the top 10 reasons why we think NOW is a great time to consider purchasing your own caravans. ## 1. Cheap Interest Rate Loans We’re going straight in and topping our list with the bottom line. [Caravan loan interest rates](/interest-rates "Explore Competitive Caravan Loan Interest Rates Here") are at historic low levels which means Jade Caravan Finance is offering some of the cheapest finance deals on caravans that we have ever been able to source. Offering better interest rates on caravan loans has always been our trademark, but when official rates are low, that supercharges our own efforts to negotiate the best rates for our customers. How low? Speak with one of our consultants for quote on your caravan loan. ## 2. Inexpensive Holiday Options Many people yearn to own a holiday home but rarely think of the reality in regard to all the ongoing expenses such as council and water rates, maintenance and repairs, time spent keeping the grounds and if you buy an apartment there’s the [strata levies](https://www.ourbodycorp.com.au/what-are-strata-levies/ "Discover More About Condo Maintenance Fees") and fees. A caravan offers many of the benefits of a holiday home with models available to sleep 4, 6, 10 people and many extras. Regular maintenance is required on a caravan but the ongoing costs are nowhere near those of a house. Caravans are built to extremely high standards with excellence in construction methods and materials. They’re built to last many years – well beyond the loan term on your Jade Caravan Finance loan. Amortise the purchase price over all your holidays, weekend getaways and long-term travels and caravans represents a very affordable option compared with many alternatives. ## 3. Flexibility and Freedom When you book a hotel or holiday house, you’re stuck in the one location. With a caravan, you have the freedom to change your location to suit your mood, the weather or any other reason. In fact you can move around and change your destination as often as you like. Many caravans, especially the hybrids, are designed to offer self-sufficiency so you have the option of approved camp sites or a holiday park. ## 4. The Ultimate Escape from Lockdown This is probably one of the major reasons that many people will put as their number one. After all the shutdowns, lockdowns and restrictions caused by COVID-19, what could be more liberating than hitching up your caravan and heading out of town! Enjoying fresh air, different vistas and the freedom to choose what you do – within COVID-safe and other health orders of course. Ahhhh just imagine how wonderful that will be. ## 5. Explore New Areas With a semi-off road or fully off-road caravan, you can explore well beyond the blacktop and be self-sufficient. A hybrid is a great option for accessing tracks and trails and with solar power, large capacity fridges and many other facilities included in most vans, you can go off-grid and experience some of Australia’s most remote and wonderful locations. ## 6. WFC – Work from Caravan Many of us are now working from home due to COVID-19 and more and more businesses are realising how this style of operation is really working for them. Many are considering making remote working a permanent change to their workstyle on some level. But why be stuck working from home? Especially if you’re in a small apartment or have an uninspiring outlook. How about working from your caravan? Even small vans have great storage, tech inclusions and dinette set-up which would make a great desk area. Just ensure you choose destinations with strong, reliable mobile and internet coverage and you could be working from a different location every day. ## 7. Holiday Season is OPEN NOW is the time because its holiday season so now, or actually before now, is the time to get organised with your new caravan. If you’re planning a family holiday, you’ll need to move quickly to purchase your caravan and book your site in one of the great holiday parks such as the [Big 4 group](https://www.big4.com.au/ "Learn About the Major Four Consortium"). Jade Caravan Finance offers quick quotes, fast approvals and prompt settlement on caravan loans so we’ll be working towards getting you sorted asap. ## 8. Scheduling Delivery of Your Caravan Many new caravans are built to order and you may have to allow time for yours to be delivered. Delays may also be experienced as a result of the extended lockdown in Victoria as a result of COVID-19. Many of Australia’s top caravan manufacturers are located in Victoria and needed to suspend production. So you’ll want to get your order in for a new van as soon as possible. To expedite the process, speak with Jade Caravan Finance about a pre-approved caravan loan. A used caravan may be faster to acquire than a new and there are many good value vehicles on the second-hand market. Jade Caravan Finance offers loans on both new and used vans, subject to individual lender requirements. So sourcing you a quote for a used caravan loan should be no problem. ## 9. Cheap Loan Options Jade Caravan Finance is renowned for offering cheap loans on caravan finance. Our accreditation with many banks and lenders gives us more choices when sourcing you the best loan. Low interest rates combined with the efforts of your Jade consultant negotiating the best loan terms on your behalf add up to cheap caravan loans and a great reason to get into caravanning now. ## 10. Beat the Rush Don’t risk missing out on the best caravan deals, models in stock and a booking in prime position at a top holiday park. Many people are currently thinking caravans. So get in fast, head to our loan calculator to start working out rough estimates on different caravans to narrow down your choice. Or just give us a call for a [secure caravan financing](/secured-caravan-finance "Explore Safe and Reliable Caravan Financing") and order your caravan today. To experience the great lifestyle and holiday options offered by owning a caravan, start by securing a cheap caravan loan. **For a cheap caravan loan quote, contact Jade Caravan Finance 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IN THIS ARTICLE IS FOR GENERAL INFORMATIVE PURPOSES AND NOT INTENDED AS FINANCE ADVICE. INDIVIDUALS SHOULD REFER TO THEIR FINANCIAL ADVISOR OR ACCOUNTANT FOR ADVICE IN REGARD TO THEIR INDIVIDUAL FINANCIAL DECISIONS AND SPECIFIC CIRCUMSTANCES. DETAILS IN REGARD TO GOODS, SERVICES AND GOVERNMENT OFFERS AND POLICIES HAVE BEEN SOURCED FROM PUBLIC MANUFACTURER AND SUPPLIER WEBSITES AND GOVERNMENT RESOURCES. NO LIABILITY IS ACCEPTED FOR ANY ERRORS OR MISREPRESENTATION OF INFORMATION AND DATA OBTAINED FROM THESE SOURCES.* **Categories:** Caravan Buying Articles --- ### [Maintaining Social Distancing: Getaway in a Small Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/maintaining-social-distancing-getaway-in-a-small-caravan) **Published:** September 25, 2020 **Author:** Publisher **Content:** Health authorities are advising that maintaining social distancing is a key factor in combating the spread of coronavirus and it appears we will be required to continue this practice ‘for some time’. So if you want to take it really distance yourself, why not consider purchasing a small caravan that will take you and just one companion well away from others. Jade Caravan Finance provides ‘small loans for small vans’ so this may be a really affordable and attractive getaway option for many people. While many caravan manufacturers are continuing to expand the features and inclusions in their models, with many vans getting larger and larger, some are following the ‘less is more’ philosophy and providing options for a different segment of the market. Those that only want to accommodate one or two people with the basics (albeit in style) and want to be able to tow their van with their standard car. The [Little Caravan Company](https://www.thelittlecaravancompany.com.au/ "Discover the Little Caravan Company's Offerings") offers a range of fully self-contained, off the grid caravans in small sizes – we’re talking a 12 foot caravan that can be towed by a small car. Welcome news for those that want to enjoy all that the caravan lifestyle has to offer but don’t want the added hassle and expense of investing in a large SUV and paying for storage when not in use. ## Magnifying The Little Caravan Company An accredited business with the [Caravan Industry Association of Australia](https://www.caravanindustry.com.au/ "Explore the Caravan Industry Association of Australia"), The Little Caravan Company is based in the heart of the caravan manufacturing hub in Campbellfield in Victoria. The company specialises in building small vans which still have the comfort and features included in many much larger caravans. We’re not talking camper trailers. These have the conventional body shape and design of a caravan. The company offers a range of caravans which includes road models, semi off-road and full off-road models with a range of layouts available. Many inclusions are standard, but you still have choices so you can customise your van to suit your lifestyle and your touring plans. ## Key Attractions of a Small Caravan - Compact size means easier storage than much larger vans. - Can be towed by a 4 cylinder car which means no need to invest in a larger car. - Smaller size should be easier to tow and more attractive to new-comers to caravanning. - A single axis which facilitates ease of manoeuvring into smaller spaces. ## What do you get in a small caravan? The Little Caravan Company offers 3 model ranges: [Optimiser](https://www.thelittlecaravancompany.com.au/caravan/optimiser/), [X-Scape](https://www.thelittlecaravancompany.com.au/caravan/x-scape/) and [N-Deavor](https://www.thelittlecaravancompany.com.au/caravan/n-deavour/). All with both on-road and off-road variations. Let’s take a look at the Optimiser. This has a rear slider so you only have to tow a 12 foot caravan but you get to actually live in 15 foot of space. So what do you get inside – a lot! We’re talking a double bed, a shower/toilet combo, sink, 2 burner stove, air-con, 80 litre fridge, TV supplied with antenna and wall bracket, 28 litre hot water, table with seating for 2 and a lot more both inside and outside. With the X-Scape, everything is neatly arranged within the 12 foot thanks to the clever layout. Interiors are contemporary, stylish and includes smart use of overhead space for loads of storage. Both internal and external cooking facilities are included, internal shower and all you pretty much need for a life on the road or off the road. ## Other Manufacturers The Little Caravan Company is not the only Australian manufacturer that is producing small vans. A quick search and there are a number of others available including:- - New Age Caravans - [Little Gem](https://hinterlandcaravans.com.au/new-caravans/little-gem-caravans/)[ ](https://hinterlandcaravans.com.au/new-caravans/little-gem-caravans/)Caravans - [Euro Caravans](https://www.euro-caravans.com.au/) - [Silver](https://www.silversuncaravans.com.au/)[s](https://www.silversuncaravans.com.au/)[un Caravans](https://www.silversuncaravans.com.au/) However, some of these smaller micro and 11 foot vans require the table seating to be converted to a double bed. Whereas the Little Caravan Company models have a permanent bed and still fit the table and dining seating. We’ll check out these other small offerings in other articles. But if we’ve sparked your interest now that you know you can get a caravan to suit your small car, let’s talk the all-important finance options, ## Getting a Small Loan for Your Small Caravan At Jade Caravan Finance we provide loans, specifically our signature cheap caravan loans, for all types and sizes of caravans. Our [Secured Caravan Loan](/secured-caravan-finance "Discover Affordable Financing with a Secured Caravan Loan") is the most commonly used type of loan for all vans and RVs including small caravans. This loan features: - Jade’s trademark small, as in low, interest rates. - A fixed loan term which is negotiated by our consultants to best suit your requirements. - Fixed, equal monthly loan repayments which are also negotiated to meet your budget expectations. The process for arranging your small caravan loan is simple and streamlined with [caravan loans Perth](/ "Explore Caravan Financing Options in Perth"). Simply contact Jade, discuss your requirements with one of our consultants, provide the necessary information for the application, and your consultant will then do all the big work for your small caravan loan. We’ll source the best offer from our large number of banks and lenders and if you accept our quote, we’ll process your application and assist with the paperwork through to settlement. **So if you want to socially distance yourself** in your own small caravan, contact Jade Caravan Finance at **1300 000 003 to discuss a loan** *DISCLAIMER: ALL INFORMATION WHICH IS PRESENTED IN THIS ARTICLE IS INTENDED SOLELY FOR THE PURPOSE OF PROVIDING GENERAL INFORMATION. IT IS NOT UNDER ANY CIRCUMSTANCES INTENDED AS PROVIDING FINANCIAL ADVICE. FOR SPECIFIC FINANCIAL ADVICE ON INDIVIDUAL FINANCIAL CIRCUMSTANCES, READERS ARE ADVISED TO CONSULT WITH A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR INCORRECT OR OUT OF DATE DETAILS IN REGARD TO GOODS, SERVICES, POLICIES AND PROGRAMS MENTIONED IN THE ARTICLE. THE INFORMATION AND DATA QUOTED HAVE BEEN SOURCED FROM PUBLICLY AVAILABLE SOURCES INCLUDING MANUFACTURER AND GOVERNMENT WEBSITES.* **Categories:** Caravan Buying Articles --- ### [Easy Ways to Get Enjoy the Outdoor Lifestyle](https://www.jadecaravanfinance.com.au/blog/caravan-articles/easy-ways-to-get-enjoy-the-outdoor-lifestyle) **Published:** September 28, 2020 **Author:** Publisher **Content:** Everything has been pretty tough, correction, very tough this year thanks to bush fires, floods and COVID-19. Isn’t it time that something was easy for a change? Well we’ve got a suggestion which covers several current complaints doing the circuit: an easy way to get into the outdoor lifestyle and hit the road for some ‘unrestricted’ time in the open-air. An easy way to freedom! The caravan and camper lifestyle offers so much flexibility and many options in terms of where to go and where to stay. Many vans are fully self-sufficient and self-contained so you can head away from the more popular destinations to remote tracks and trails. You can book a space at a holiday park or take advantage of many of the free camping sites that are available throughout Australia. But first – you’re going to need a caravan or camper trailer! To make that process easy, Jade Caravan Finance offers a streamlined process for sourcing a caravan loan. And if you want to head out on an easy trail, why not consider doing it in an Ezytrail camper trailer. ## Ezytrail Campers If you love camping, sort of, but you really want more comfort and luxury than a tent offers, a camper trailer is a great option to consider. Ezytrail Campers offer an extensive range of camper trailers including off road vehicles which increase your destination options to include more remote locations. Their range includes [off-road](https://www.ezytrailcampertrailers.com.au/caravans/off-road.html) and [on road camper trailers](https://www.ezytrailcampertrailers.com.au/caravans/on-road.html), forward fold and rear fold camper trailers and off-road caravans. Forget roughing it a camping site. With some Ezytrail vehicles you have kitchen appliances, hard floors and many comforts to make that trip way even more enjoyable. The Stirling GT MK3 for example, is one of their top of the range models of forward fold off-road camper trailers which includes the hard floor. The forward fold design provides a small footprint but a surprisingly large interior complete with a dinette which converts to a double bed. The Stirling is tagged a 2.5 berth model. The size and style of a camper trailer can be deceiving. The Stirling has a load of storage, has a very spacious feel and the mesh-screened windows provide ventilation and light. While you may be hankering for time in nature, your Stirling does come with great entertainment options including a TV and sound system. Cooking is a wonderful indoor-outdoor experience with the slide-out external kitchen covered by the tent. Four gas burners provide plenty of cooking options and there’s space for prep and wash-up. Fresh water tanks, 165 litre capacity, provide water for both the kitchen and the en-suite. Built for off-road adventurers, the Stirling features a rugged construction made from hot-dipped galvanised steel, F5 chassis and drawbar and plenty of inclusions and options to set your vehicle up to suit your adventures. Ezytrail even offer quite an extensive range of colours to choose from. Check out the full range at EzyTrail Camper Trailers and see how easy it may be for you to enjoy the outdoors in comfort. ## An Easy Way to Source Caravan Finance Put the tough times of 2020 behind you for at least a moment and enjoy the streamlined, easy process of arranging your caravan loan through Jade Caravan Finance. We’ve designed our finance broking services to make it as easy as possible for our customers to source the [cheapest caravan loans](/ "Discover the Most Affordable Caravan Financing Options") that best suit their individual requirements. While you’re browsing the Ezytrail range or any other brand of caravan, camper trailer or mobile home, use our handy [caravan loan calculator](/loan-calculator "User Our Caravan Financing Calculator for Quick Estimates") to get a rough estimate of repayments at the same time. It’s easy! You simply follow the prompts on the online form, entering the amount you want to borrow to purchase your vehicle, time required to repay the loan and our current low interest rate. Click calculate and a rough ballpark estimate will be displayed. Like what you see and want a firm quote? Just give us a call and turn the hard job of checking out a selection of loan offers to find the cheapest available, straight over to one of our consultants. You will have to do some work to get the required documents and financials together, but that’s pretty much it. Easy. Your consultant has access to many lenders as Jade is accredited with both banks and non-bank lenders so we can assess the market to source you the most suitable and cheapest loan that matches your requirements. We handle all the negotiations with the lender on your behalf. Bargaining on interest rates, discussing the loan terms and conditions that you would like to achieve and structuring your caravan loan to suit you. As your finance broker, our interest is focused solely on achieving the best loan outcome for you. Experiencing the outdoor lifestyle in a caravan or camper trailer should be enjoyable, relaxing and easy-going. Our Jade Caravan Finance services ensure that getting our customers sorted with a loan to take advantage of that lifestyle is as easy-going, stress-free and hassle-free as possible. **To discuss the easy way to enjoy the outdoor lifestyle in your own camper trailer, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: INFORMATION, DATA AND DETAILS OF GOODS, POLICIES AND PROGRAMS THAT IS PRESENTED IN THE ARTICLE IS INTENDED SOLELY FOR THE PROVISION OF GENERAL INFORMATION. UNDER NO CIRCUMSTANCE IS THIS INFORMATION INTENDED AS THE PROVISION OF FINANCIAL ADVICE FOR ANY INDIVIDUAL AND/OR FOR THE PURPOSE OF MAKING SPECIFIC INDIVIDUAL FINANCIAL DECISIONS. FOR ADVICE ON INDIVIDUAL CIRCUMSTANCES, READERS SHOULD REFER TO A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED* FOR ERRORS, INCORRECT DETAILS OR INCORRECT PRESENTATION OF DETAILS OF GOODS, PROGRAMS, SERVICES, ETC. *AS PRESENTED. THE INFORMATION HAS BEEN SOURCED IN GOOD FAITH AS GENERAL INTEREST AND INFORMATION FROM MANUFACTURER, SUPPLIER AND GOVERNMENT WEBSITES.* **Categories:** Caravan Buying Articles --- ### [Ruling the Recreational Lifestyle: Regent Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/ruling-the-recreational-lifestyle-regent-caravans) **Published:** October 8, 2020 **Author:** Publisher **Content:** We might live in a lucky country, but it’s not just luck that has resulted in Australia having a great caravan manufacturing industry. It is the result of intense R&D, commitment to delivering quality caravans designed to suit our local conditions and many years of experience which has honed the skills and expertise of the tradespeople. One of these great manufacturers is [Regent Caravans](https://regentcaravans.com.au/ "Explore Regent Caravans: Your Path to Adventurous Travel"). This Melbourne-based manufacturer has been excelling in the caravan sector for over 25 years and continues to deliver extremely elegant but tough caravans for wandering Australians. ## Special Features Regent Caravans invests the time and effort into utilising the latest materials and the finest techniques to deliver their high quality caravans into the market. They are not only a highly trusted brand but a caravan that has proven its staying power in Australia’s tough climatic conditions. The Regent range feature fully-insulated timber frames which are moisture-resistant. The chassis is robotically welded for strength and durability. When it comes to design, Regent have a great range and an even larger number of floorplan options so you can create your Regent to suit your traveling life. ## The Regent Range The Regent Range includes models to suit a wide range of caravan buyers and covers three collections – Discoverer, Monarch and Cruiser. ## Regent Discoverer [The lightest of the Regent models, the Discoverer](https://regentcaravans.com.au/models/#discoverer "Discover the Lightweight Regent Model: The Discoverer") features leaf spring or independent suspension, dual or single axle and is promoted as ideal for first-time caravan buyers. ‘Light’ does not mean light on features or sturdiness. This is a strong caravan which is packed with both necessities and luxuries. This model is available in a number of lengths – 18’, 18’6”, 19’, 19’6”, 20’6”, 21’ and 21’6” with varying floorplans so you can select exactly which will best suit your travel plans. The interior is light and highly contemporary with stylish cabinetry, fixtures and fittings. Inclusions include 4 burner cooktop, 184 litre fridge, a separate cubicle for the shower, toilet, top loader washing machine, reverse cycle air-con and plenty more. Externally, the features cover white aluminium cladding, 2 x 95 litre plastic water tanks, pre-wired solar, external speakers so you can enjoy your relaxing time in the outdoors. An option is the all-terrain pack for those planning to venture off the black top. ## Regent Monarch [The Monarch](https://regentcaravans.com.au/models/ "Explore The Monarch Model Here") is the top of the range and that is clearly visible from the high quality finishes and luxury inclusions. This is available in a 22’6” with a slide-out. The layout is extremely well considered with a plush club lounge, loads of storage cupboards taking maximum advantage of the space and clever window positioning to allow plenty of light and ventilation. The interior finishes are superb and buyers do get the choice of a number of options in terms of bench tops and other finishes. ## Regent Cruiser The [Cruiser](https://regentcaravans.com.au/caravan/rcc206/#preview "Discover the Cruiser Series") is another high quality caravan in the range and is available in a number of lengths up to 23’ and 6 floorplan/length variants. The 23’ floorplan allows for a club lounge style dinette while the smaller sizes have the traditional dinette set-up. Once again, magnificently-appointed, highly practical and would suit a range of buyers whether travelling as a couple or for a small family. While pricing is not advertised on the Regent Caravans website, a quick call to one of their dealers should give you an indication of the different prices across the models. With that information you can refer to our [Caravan Loans calculator](/loan-calculator "Explore our Caravan Financing Calculator") to see the difference in repayment estimates. The calculator does only calculate rough estimates but it does allow you to see the variation in possible repayments when you step up a level in caravan size and quality. ## Financing Your Regent After viewing the model range of Regent Caravans and selecting your model, size and floorplan, next step is to consider your finance options. While you may have a number of decisions to make in regards to options on your Regent caravan, your Jade consultant does much of the hard work in finance decisions on your behalf. We are accredited with multiple banks and non-bank lenders so your consultant can access a wide range of loan sources on your behalf. No need for you to spend your time contacting several banks and finance companies just to get caravan loan quotes, we’ll do that. With our strong bargaining power as a major finance company in the leisure sector, we have the leverage to negotiate for the cheapest interest rates and most suitable loan terms on behalf of our customers. For the purchase of caravans, the [Secured Caravan Loan](/secured-caravan-finance "Check Out Our Secure Caravan Financing Options") is the most commonly-used loan type and is very straight-forward in structure:- - The caravan is used as security against the loan. - The Jade [cheap caravan finance interest rate](/interest-rates "Explore Our Affordable Caravan Loan Interest Rates") is fixed for the loan term. - The monthly repayments are fixed and equally portioned over the loan term. - The loan term is fixed. Regent Caravans are hand-built and yours may take time to build. So the quicker you get your loan sorted and your order placed, the quicker you’ll be hitting the road in your new Regent. **For a quick loan quote on a Regent Caravan contact Jade Caravan Finance at 1300 000 003 to discuss a loan** *DISCLAIMER: DATA, DETAILS AND INFORMATION IN REGARD TO POLICIES, GOVERNMENT PROGRAMS, PROPOSALS AND GOODS AND SERVICES ARE PRESENTED IN THIS ARTICLE FOR GENERAL INFORMATION PURPOSES ONLY. THIS INFORMATION IS, UNDER NO CIRCUMSTANCES, INTENDED AS THE SOLE SOURCE FOR MAKING FINANCIAL DECISIONS OR IS IT INTENDED AS FINANCIAL ADVICE. INDIVIDUALS SHOULD SEEK INDEPENDENT ADVICE IN REGARD TO THEIR PERSONAL FINANCIAL SITUATION. ALL INFORMATION HAS BEEN OBTAINED FROM REPUTABLE SOURCES AND IS PRESENTED AS GENERAL INFORMATION AND INTEREST. NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATION OF INFORMATION AND DETAILS OF GOODS ETC. AS PRESENTED.* **Categories:** Caravan Buying Articles --- ### [An Atlantic Journey](https://www.jadecaravanfinance.com.au/blog/caravan-articles/an-atlantic-journey) **Published:** October 16, 2020 **Author:** Publisher **Content:** No, international travel restrictions have not as yet been lifted so Australians are not in a position to travel overseas and enjoy a cruise in the Atlantic Ocean or cross the Atlantic by plane from USA to the UK. But you can spend your touring, holiday and recreational time right here in Australia in the luxury of your own magnificent Atlantic Caravan. Atlantic Caravans is another of the great collection of caravan manufacturers we have in Australia, located in the caravan manufacturing hub in Campbellfield Victoria. The company founders and key personnel proudly have in excess of 30 years of experience between them in creating custom caravans so they definitely know a lot about what Australian caravan buyers want. They know and they deliver. In forming the business in 2010, the business partners set out with the objective of creating high quality, custom vehicles which provided customers greater choice in achieving the caravan that they wanted, beyond what was usually offered in a standard vehicle. The company claims they are ‘building dreams on wheels’ which allow them to tailor a caravan to individual customer requirements while maintaining the highest standards of quality. ## The Atlantic Selection While every caravan is custom built, every caravan manufacturer needs to offer a range as a starting point for customers to select the inclusions. The Atlantic collection includes a great range which all include contemporary interiors, latest tech and the highest quality throughout:- - High Terrain - Endeavour - [Anniversary](https://www.atlanticcaravans.com.au/product/anniversary/) - Signature - New Generation - [Weekender](https://www.atlanticcaravans.com.au/product/weekender/) ## Celebrating 10 Years – The Anniversary Series What better way to commemorate a major business milestone of 10 years in operation than with an unforgettable Anniversary Series caravan design. The Atlantic Anniversary is striking in design and appearance and instantly conveys a point of difference with its distinctive gunmetal blue and grey exterior and stylish contrast of checkboard. This vehicle is available in 5 different floorplans with options and choices across many features and inclusions such as single bed, lounge or dinette amongst others. The main features include queen bed, reverse cycle air con, reversing camera, rollout awning, cross country suspension, washing machine and an extremely well-equipped kitchen. ## Signature Series The Anniversary has a striking exterior and the Signature Series makes its own statement in moody charcoal colours and very streamlined lines. This series is marketed as having the features that you would expect in a top tier vehicle but without the higher price you’d expect to pay for such a vehicle. Four floorplans are offered for the Signature so you can plan your own caravan and add the custom finishes that best suit your touring plans. The standard inclusions on the Signature mirror those of the Anniversary such as a queen bed, reverse cycle air con, reversing camera, rollout awning, cross country suspension, washing machine and an extremely well-equipped kitchen. ## Booking Your Atlantic Tour To secure your future tour in an Atlantic Caravan, you can either start by browsing the range on the Atlantic Caravans website or if you have a rough idea of price, head to our [Caravan Finance calculator](/loan-calculator "Calculate Your Caravan Financing Options Today") and start calculating rough ballpark estimates of repayments. When it comes to arranging finance, we offer you the choice of either pre-approved finance or we can arrange your loan after you have finalised the deal with the Atlantic Caravan dealer. Pre-approved finance offers significant benefits to caravan buyers especially providing you with the confidence of knowing your finance is confirmed before you start considering customising your caravan. You’ll know your budget and can plan the caravan to suit. Just as you have the option of customising your caravan, Jade also offers a highly personalised and individualised finance broker service. On contacting us you will be assigned your own broker who will handle your entire finance process. Your consultant sources you a quote from across our large number of banks and lenders. We negotiate with individual lenders based on the individual requirements of each customer to achieve the [cheapest interest rate caravan loans](/interest-rates "Explore the Most Affordable Caravan Loan Interest Rates") as possible. Achieving a cheap interest rate is critical to the overall cost of the loan and why we focus on securing our customers better rates. ## Secured Caravan Loan The most popular form of caravan finance is the [Secured Caravan Loan](/secured-caravan-finance "Discover Secure Financing Options for Your Caravan"). This can be used by most individuals for the purchase of most caravans, camper trailers, mobile homes and RVs. The format is along standard personal loan lines where the caravan is used to secure the loan and the borrower makes equal monthly repayments over the loan term. Jade Caravan Finance feature fixed loan items so you have the added confidence of knowing your loan will not change over the term:- - Fixed interest rate - Fixed monthly repayments - Fixed loan term As we are accredited with many lenders including the major banks, there is no need for you to have to contact multiple places to get quotes to compare. Your Jade consultant will handle all that and assist you with the paperwork to ensure a streamlined process as you plan your Atlantic journey. **To discuss a quote on finance for an Atlantic Caravan contact Jade Caravan Finance at 1300 000 003 to discuss a loan** DISCLAIMER: THE DETAILS, INFORMATION, DATA AND MATERIAL PRESENTED IN THIS ARTICLE HAS BEEN SOURCED, IN FOOD FAITH, FROM REPUTABLE SOURCES IN THE PUBLIC DOMAIN. INFORMATION IN RESPECT OF GOVERNMENT ANNOUNCEMENTS*, POLICIES, PROGRAMS, MANUFACTURER’S GOODS AND SERVICES AND OTHER SUBJECT MATTER IS OFFERED FOR GENERAL INFORMATIVE PURPOSES ONLY AND NOT IN ANY WAY INTENDED AS A SOLE SOURCE FOR THE PURPOSE OF MAKING FINANCIAL DECISIONS. NO LIABILITY IS ACCEPTABLE FOR ANY ERRORS OR MIS-INTERPRETATION OF FACTS AND MATERIAL. IF A PERSON CONSIDERS THEY REQUIRE FINANCIAL ADVICE IN REGARD TO THEIR SPECIFIC AND INDIVIDUAL CIRCUMSTANCES, THEY SHOULD SEEK INDEPENDENT ADVICE FROM A FINANCIAL ADVISOR.* **Categories:** Caravan Buying Articles --- ### [Blue Sky Caravans: Above and Beyond](https://www.jadecaravanfinance.com.au/blog/caravan-articles/blue-sky-caravans-above-and-beyond) **Published:** August 28, 2020 **Author:** Publisher **Content:** Nothing says the freedom and scope of a caravan lifestyle like [Blue Sky](https://www.blueskycaravans.com.au/ "Explore the opportunities offered by Blue Sky here"). The name encapsulates just about everything a caravan enthusiast is seeking in terms of lifestyle, endless places to visit and explore and the great outdoors to savour and immerse yourself in. The aptly named, Blue Sky Caravans presents an exciting range of caravans with over 15 models to choose from and featuring unique designs to suit many different types of travellers. The company was started in 2007 but, according to the business, the director has over 30 years of caravan industry experience to his credit. The Blue Sky caravans are custom-built so if you’re in the market for a Blue Sky, listen up, choose your model, get onto Jade Caravan Finance to arrange your loan and get your order placed so you can have your van in time for the holiday season. If you’re already wondering *‘what will a caravan loan cost me?’* – just head to our [fast caravan finance calculator](/loan-calculator "Access a quick caravan financing calculator here") and start generating loan repayment estimates. It’s free and easy to use and you can use it to generate a rough idea of loan repayments on any number of caravans. It’s a great way to instantly convert purchase price into more relevant ‘what will it cost me each month’ terms. ## The Range With over 15 models in the Blue Sky collection, it’s hard to know where to start. The models are named the [Melbourne Range](https://www.blueskycaravans.com.au/Product-Showroom/vic "Discover the diverse options within the Melbourne Range") and the [Queensland Range](https://www.blueskycaravans.com.au/Product-Showroom/qld "Explore the variety of choices in the Queensland Range") with multiple models within each range. We’ve selected a few for a closer view and to peak your interest. ### Blue Sky Tuscany [Tuscany](https://www.blueskycaravans.com.au/Model-Details/6 "Click here to delve into the charm of Tuscany") is from the 2020 range and is a 23’ traditional caravan which is loaded with features and inclusions. On the outside, plenty of checker plate front, side and rear for protection, double-glazed windows, 2 solar panels and plenty more to check out. On the inside, the style is contemporary, light and spacious with a massive list of standard inclusions – queen sized innerspring bed, ceramic ensuite basin, full front wardrobes, under bed storage, full sized shower, well-equipped kitchen, air-con, washing machine and much more. ### Blue Sky Emerald From the Queensland Range, the 19’6” [Emerald](https://www.blueskycaravans.com.au/Model-Details/19) is another 2020 model which has a smart, striking exterior appearance and as with the Tuscany, an impressive list of both exterior and interior features. Reversing camera, Meranti timber frame, high ridge aluminium cladding, rollout awning, 188 litre fridge/freezer, digital water tank gauge, and a smart charging system for the solar system. ### Blue Sky Ruby II The [Ruby II](https://www.blueskycaravans.com.au/Model-Details/22) is a 18’6” van with in a back door design with a smart exterior in predominantly white with, as anticipated, red trims. Another from the 2020 collection, Ruby II has checker plate front, side and rear, external picnic table, 1 solar panel, tropical class fridge/freezer, not one but 2 pull-out pantries, cooktop with 1 electric and 3 gas elements, choice of laminate benchtops and plenty more to ensure you enjoy travelling in your Blue Sky. ## Securing Your Blue Sky Blue Sky Caravans have their manufacturing facility in Craigieburn in Victoria and a number of dealers in other locations. The website includes full specs for all the models so you that is a great place to start to ‘build’ your Blue Sky caravan to suit your particular requirements. All vans are built to order, so if you have travel plans in place, you may be advised to discuss delivery time for your model. At the same time as planning your caravan, start planning your finance. The two usually go hand in hand and it can be useful to the overall process to address your loan requirements even before placing your caravan order. ## Financing Your Blue Sky Caravan [Jade Caravan Finance](/ "Learn about the financing options provided by Jade Caravan Finance") offer cheap loans for all types and sizes of caravans from the Blue Sky range. We are the lifestyle finance brokers with specialist experience in finance for caravans and RVs. While some banks and finance companies don’t offer specific loans for caravans and may offer you instead a more expensive, generic personal loan, we have the contacts with lenders that do offer this type of loan. Your Jade consultant will source you the cheapest quote based in your requirements from our large number of lenders and based on cheapest interest rates guarantee. For the purchase of Blue Sky caravans, we offer the [Secured Caravan Loan](/secured-caravan-finance "Explore the benefits of a Caravan Loan secured for peace of mind") as the most widely used type of loan. This has a fixed interest rate, fixed repayment and fixed loan term. The caravan is used as security against the loan. Just as you are having your Blue Sky Caravan custom-built, Jade Caravan Finance will be custom-structuring your caravan loan to suit your requirements, as best as possible. Your consultant will handle sourcing the quote – nothing for you to do there, handle processing your application – after providing the required information, nothing for you to do there, and handle the paperwork and assist through to settlement. If a Blue Sky is on your horizon, contact Jade for a quote on a cheap loan to make it happen. **To discuss a loan on any models in the Blue Sky Caravan range, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THE PURPOSE OF THE INFORMATION PRESENTED IS FOR GENERAL INFORMATION AND NOT INTENDED AS FINANCIAL ADVICE AND SHOULD NOT BE USED AS THE SOLE SOURCE FOR MAKING FINANCIAL OR PURCHASE DECISIONS. THOSE WHO FEEL THEY REQUIRE ADDITIONAL GUIDANCE SHOULD SEEK OUT THE ASSISTANCE OF AN INDEPENDENT, PROFESSIONAL FINANCIAL ADVISOR. ALL DETAILS, INFORMATION, FACTS AND SPECS IN REGARD TO GOODS AND SERVICES AND IN REGARD TO GOVERNMENT POLICIES AND MEASURES HAVE BEEN SOURCED DIRECTLY FROM RESOURCES IN THE PUBLIC DOMAIN. NO LIABILITY IS ACCEPTED IN REGARD TO THE PRESENTATION OR THE INTERPRETATION OF THIS INFORMATION. IF INDIVIDUALS REQUIRE VERIFICATION, WE ADVISE THEM TO REFER TO THE THIRD-PARTY RESOURCE.* **Categories:** Caravan Buying Articles --- ### [What is a Hybrid Caravan?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/what-is-a-hybrid-caravan) **Published:** September 1, 2020 **Author:** Publisher **Content:** We’ve all heard of hybrid cars, which are a combination of electric and petrol powered vehicles, but what are hybrid caravans? The ‘hybrid’ has nothing to do with any of the power associated with the caravan but is a design element. It is between a camper trailer and a luxury caravan and in many cases built for off-road or all terrain environments. By definition, the hybrid gives you the luxury comforts offered in many of the range caravans but in a ‘package’ more in line with a camper trailer. If you’re considering purchasing one in Western Australia, be sure to look into [caravan finance Perth](/ "Discover caravan financing options in Perth right here") options to facilitate your acquisition. The comfort and luxury you demand on the road with the extra benefits of the ease of towing a camper and the accessibility that this type of vehicle affords. When going down narrow bush tracks and in similar scenarios, you want to be towing a van that is no wider than your own vehicle. So in some sense, think of a hybrid as a longer yet narrower vehicle – depending on individual models. While they have been available for over 10 years, at Jade Caravan Finance we have seen hybrids growing in popularity and several local caravan companies are now offering great ranges of hybrid caravans. They offer a range of benefits that many buyers see as extremely attractive and suit their style of caravan touring. Keeping up with innovations and new developments across the lifestyle sector, Jade Caravan Finance offers cheap loans for the purchase of hybrid caravans. ## Attraction of a Hybrid - If you’re tossing up between a camper trailer and a caravan then you might just end up with a hybrid caravan. They give you many of the facilities that you get in a caravan but more in the size and trailability of a camper. We’re talking solar power, hot water, air-con, a kitchen, toilet and shower and 12/240 volt electrics. - The hybrid offers greater security and protection due to having hard walls and a proper roof which make them a safer option than camping and provide insulation and with the addition of air-con, provide greater comfort for your time on tour. - For those that consider towing a caravan quite a task the hybrid may be the option for you. The weight and size of a hybrid make them easier to tow than a caravan as some are only as wide as a 4WD vehicle. - Many hybrids are narrower than conventional caravans which means they may be safer and definitely easier to two through the bush when trails and tracks can be narrow. But they are larger than a camper trailer, so consideration should be given to all aspects of your travel plans when selecting the right van. Off-road capabilities will vary with hybrids depending on individual manufacturer specs and set-up. - If you are planning off-road adventures, several manufacturers offer specialist off-road hybrid models. - The caravan and camping lifestyle essentially means loving the outdoors. But that doesn’t mean we want to cook every meal over a campfire. The kitchen facilities of a traditional caravan are a great attraction and a hybrid gives you a bit of both worlds. Some models have a slide-out kitchen so you have the amenities but actually cook outdoors. - Setting up a hybrid can be much easier and faster than setting up a camper as it usually only requires a pop-up process. - Hybrids are available in a range of sizes and accommodation capacities. Whatever you choose as your recreational vehicle – a traditional caravan, hybrid or camper it is essential for safety that you make sure your car is set-up to handle the GVM of the vehicle and you have the skills to tow your van. ## Buying a Hybrid Caravan Hybrid caravans are available in Australia from a number of manufacturers including:- - Stoney Creek Campers [stoneycreekcampers.com.au](https://www.stoneycreekcampers.com.au "Visit the official Stoney Creek Campers website here") - MDC Camper Trailers [marketdirect.com.au](https://www.marketdirect.com.au "Explore MarketDirect's offerings on their official website") - Zone RV [zonerv.com.au](https://www.zonerv.com.au "Find out more about Zonerv on their official website") Jade Caravan Finance offers cheap loans for the purchase of hybrid caravans. If you talking with one of the manufacturers about price, refer to our online [caravan finance calculator](/loan-calculator "Access our caravan financing calculator tool now") to quickly generate rough estimates on repayments on the different models or options you’re considering. Before heading into a showroom to make a deal, why not discuss pre-approved finance with one of our consultants. By having your caravan loan already arranged, you’ll know your budget when it comes to selecting a model and any optional extras you may be offered. ### Jade hybrid caravan loans include:- - Our [cheap caravan finance rate](/interest-rates "Discover unbeatable rates on affordable caravan financing") which is fixed for the loan term. - A fixed loan term which is negotiated to best suit your requirements. - Fixed, equal monthly repayments for the loan term so you can plan your budget and your travel expenses. Holidaying and touring in a hybrid may be just the experience you are craving, especially after the lockdowns and shutdowns that we have all had to endure due to the coronavirus pandemic. So why not start checking out the market and contact Jade for a quick quote on a price range so you can formulate your purchase plans. **To discuss a cheap loan on a hybrid caravan, speak with a Jade Caravan Finance consultant 1300 000 003** *DISCLAIMER: THE INFORMATION IN OUR ARTICLES IS PROVIDED FOR GENERAL INFORMATION PURPOSES AND IN NO WAY IS INTENDED AS THE SOLE SOURCE TO MAKE FINANCIAL DECISIONS OR AS ADVICE IN REGARD TO FINANCIAL INFORMATION. INDIVIDUALS ARE RECOMMENDED TO REFER TO THEIR FINANCIAL ADVISOR OR SEEK ADDITIONAL INDEPENDENT ADVICE IF THEY CONSIDER THEY REQUIRE SO. THE INFORMATION PRESENTED IN REGARD TO GOODS HAS BEEN SOURCED FROM MANUFACTURER AND SUPPLIER SOURCES AND IN REGARD TO GOVERNMENT AND ATO POLICIES AND PROGRAMS FROM RELIABLE SOURCES. NO LIABILITY IS ACCEPTED IF ERRORS HAVE BEEN MADE IN PRESENTING OR INTERPRETING THE INFORMATION AS PRESENTED.* **Categories:** Caravan Buying Articles --- ### [Viscount Caravans: An Industry Icon](https://www.jadecaravanfinance.com.au/blog/caravan-articles/viscount-caravans-an-industry-icon) **Published:** September 5, 2020 **Author:** Publisher **Content:** If you are of a ‘certain age’, have been reminiscing with your parents or grandparents family photo album or you’re into Australian retro photos and imagery, then you’ve probably come across a photo or the name [Viscount Caravans](https://viscountcaravans.com.au/ "Check out the latest offerings from Viscount Caravans"). This company is definitely an icon of the caravan industry in Australia, having been on the scene since the 1950s when caravanning was the holiday of choice for so many people. The company is Australian owned and operates from their manufacturing facility in Campbellfield in Victoria. The brand is synonymous with caravanning memories but the model range is very much contemporary, with a focus on technology and state of the art manufacturing. Viscount Caravans has joined [RVMAP](https://www.caravanindustry.com.au/rvmap "Learn more about the RVMAP certification program here") – the Recreational Vehicle Manufacturing Accreditation Program, an initiative of the Caravan Industry Association of Australia. This accreditation is achieved through a rigorous process of audits and testing and acknowledges that a company is compliant with Australia Design Rules and compliant regulations. Also Australian-owned, Jade Caravan Finance provides finance for the range of Viscount Caravans and one of our consultants is readily available to discuss your requirements, give you a quick quote or start proceeding with your loan application. ## Model Range Viscount offer a range which should cover most lifestyles, tour styles and family styles. After so long in the industry, this is a company that definitely understands and appreciates what caravanners are seeking in facilities, comfort and comfort and convenience. ### Viscount V1 If you’re looking for a caravan that is easy to tow and still provides you with the essentials, then the [Viscount V1](https://viscountcaravans.com.au/v1/ "Explore the features and specifications of the Viscount V1 model") is worth a look. The smallest van in the range with a single axle, this compact offering still has so much to offer. An en-suite, well-equipped kitchen, plenty of storage and cupboards inside, solar and battery power, option of double or twin bed floorplan, washing machine, pull out pantry and plenty more within a 6’8” ceiling height. If you’d like a ‘small’ caravan loan to finance your Viscount V1, speak with Jade Caravan Finance. A consultant will provide you a quick quote based on our cheap interest rate loans that should have you hitched up and travelling in no time. ### Viscount V2 The [V2](https://viscountcaravans.com.au/v2/) is larger than the V1 but still a compact and practical caravan which the company claims is priced well under what most would expect for a caravan with this level of luxury and inclusions. Ideal for either a couple or a solo traveller, the V2 has a spacious and light interior and makes optimum use of space with overhead cupboards throughout. The V2 follows a basic floorplan with bed up one end, bathroom at the other and living/dining and kitchen centrally located. It’s all designed to work and provide travellers with a relaxing and functional space to enjoy their time on the road. Features include a full oven with a recessed cooktop, top loading washing machine, both solar and battery power, a 28 litre gas/electric hot water system, dinette café-style with a tri fold table, great sized fridge and a load more to see and appreciate. What extra will your Jade Caravan Finance repayments be if you upgrade from a V1 to a V2? We’ve provided a free to use and easy to use caravan loan calculator right here on our website so you can quickly work that out for yourself. The calculator only generates rough estimates, but it is a great tool to see the difference in repayments when you step up a size or in luxury. ### Viscount V3 According to the company, the [V3](https://viscountcaravans.com.au/v3/ "Click here to discover the innovation behind the V3 model") has been designed with both practicality and flexibility in top of mind and the outcome is quite superb. This caravan has a 6” chassis and all terrain wheels so it is built to take on the dirt roads and other off-the-bitumen locations that you choose to explore. A number of options are available so you can ‘build’ your V3 to suit your preferences. Dinette or club lounge? Which side of the van where you would like your shower/toilet? Linen cupboard in full height? This looks like a van which you can enjoy for those long term tours to places far and wide. ## Securing Your Viscount Caravan Not surprisingly for a company that has been around for so long, Viscount Caravans has many dealers throughout Australia. So you should be able to find one close to you or start planning your caravan at the company’s website. They’ve included specs, features, and [motorhome financing](/motorhome-loans "Explore flexible options for financing your motorhome dream") options, along with virtual tours to capture a full appreciation of the ambience of each model. [Jade Caravan Finance](/ "Visit this page for information on Jade Caravan Finance solutions") can assist you in securing your Viscount with a caravan loan at the best interest rates and negotiated by one of our trained consultants to suit your requirements. With fixed monthly repayments and a fixed loan term, you can head off on tour with everything sorted. To get sorted before you speak with the dealer, contact us to discuss a pre-approved loan. **To discuss a loan on a Viscount Caravan, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THE INFORMATION IN OUR ARTICLES IS PROVIDED FOR GENERAL INFORMATION PURPOSES AND IN NO WAY IS INTENDED AS THE SOLE SOURCE TO MAKE FINANCIAL DECISIONS OR AS ADVICE IN REGARD TO FINANCIAL INFORMATION. INDIVIDUALS ARE RECOMMENDED TO REFER TO THEIR FINANCIAL ADVISOR OR SEEK ADDITIONAL INDEPENDENT ADVICE IF THEY CONSIDER THEY REQUIRE SO. THE INFORMATION PRESENTED IN REGARD TO GOODS HAS BEEN SOURCED FROM MANUFACTURER AND SUPPLIER SOURCES AND IN REGARD TO GOVERNMENT AND ATO POLICIES AND PROGRAMS FROM RELIABLE SOURCES. NO LIABILITY IS ACCEPTED IF ERRORS HAVE BEEN MADE IN PRESENTING OR INTERPRETING THE INFORMATION AS PRESENTED.* **Categories:** Caravan Buying Articles --- ### [Focus on MDC Hybrid Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/focus-on-mdc-hybrid-caravans) **Published:** September 11, 2020 **Author:** Publisher **Content:** As travellers have become more adventurous and looking to venture into more remote and usually rugged locations, they need a caravan with the capabilities to get them there and allow them to live ‘off-the-grid’. The caravan industry has stayed in lockstep with market demand and developments in technology, construction materials and techniques are resulting in amazing hybrid caravans which make these off-road ventures possible. At [Jade Caravan Finance](/ "Cruise through Jade Caravan Financing options here"), we’ve also stayed in lockstep with our caravan customers and our loan products extend across the full range of caravan types including hybrids. When opting for a hybrid, buyers have the choice of a number of local manufacturers including [MDC Camper Trailers](https://www.marketdirect.com.au/ "Discover the world of MDC Camper Trailers right here"). MDC has been producing hybrid caravans for over 10 years and we take a look at their current offerings. ## MDC Overview While most caravan manufacturers tend to have a workshop factory facility and sell via a dealer network, MDC actually has 11 showrooms which are located across Australia, making it relatively easy for buyers to connect directly and in person with the makers. MDC manufacturers offers an extensive range of camper trailers and rugged off road caravans including a number of hybrid models. ## The Compact Hybrid One of the current compact models in the [MDC hybrid range is the XT 12](https://www.marketdirect.com.au/off-road-caravans/xt-12-hybrid-offroad-caravan/ "Explore the XT 12 model within the impressive MDC hybrid range"). This is an off-road caravan which is designed and manufactured with the features and inclusions to allow you to make the most of your travelling adventures. Features include: - Fold-out rear which is easy to set up - Queen sized bed which is quick to set up and includes innerspring mattress and pillow top - Extensive storage with internal cupboards - Swivel table dinette. - Ensuite shower room and toilet. - Acrylic, double-skin windows which the company claim provide better insulation. - Air-conditioning and diesel heater are optional upgrades. - Outdoor kitchen with 4-burner gas cooktop, sink and plumbed water. - Solar power standard which can be charged while driving. - 80 litre grey water and 40 litre fresh water tanks. - Galvanised chassis, independent trailing arm suspension, dual shock absorbers. ## Family Hybrid For those wanting a larger hybrid, MDC offer the XT 12 Extreme model. This is a hybrid of a camper trailer-pop-top, off-road 12 foot caravan. This has double bunk accommodation, heaps of storage compartments, an internal en-suite, 4 burner stove and is designed to be towed with a 4WD vehicle. So with your MDC off-road hybrid you’ll be equipped to go down tracks that conventional caravans are usually too large and ill-equipped to handle. Tracks that may provide access to places of amazing natural wonders. ## Loans for Hybrid Caravans While some banks and lenders don’t even offer specialised caravan loans and may balk at the sheer mention of a ‘hybrid’, Jade Caravan Finance is up to speed with this model range and provides loan offers on hybrid vans. We are accredited with multiple banks and lenders including those that do understand and specialise in recreational vehicle lending. With this greater source of options, your Jade Caravan Finance consultant has more choices when it comes to securing you the best, the cheapest loan offer on your MDC Hybrid Caravan. The most commonly offered loan type for a hybrid caravan is the Secured Caravan Loan. This type of loan has a standard personal loan structure with fixed monthly repayments over a fixed loan term. The lender accepts the hybrid as security against the loan, so in most cases, no additional deposit is requested by the lender. All our caravan finance offers are based on our cheap interest rate guarantee so you can be assured that we have negotiated hard to get you the best rate available. - [Cheap caravan interest rates](/interest-rates "Unlock affordable caravan loan interest rates today"), fixed for the entire loan term. - Fixed monthly repayments. - Fixed loan terms. - Personalised service to save you time, hassle and money – your Jade consultant will handle the loan process on your behalf. ## Pre-Prepare with a Pre-Approved Loan Many caravans are built to order. So many buyers like to know that their finance is confirmed prior to opening discussions with a manufacturer around the design and inclusions of their van. Jade Caravan Finance provides a pre-approved loan service to assist buyers in this regard. This type of loan is arranged based on an estimate of the purchase price or our customer’s budget limit. It is usually quite easy to receive a price guide on models from manufacturers’ websites so you have a loan estimate to brief your Jade consultant. Your consultant will proceed with our normal loan application process based on this estimate through to the approvals stage. At this stage, there is no obligation to proceed if you change your mind in regard to the purchase. But you’ll know your finance is assured and can confidently proceed with your order. When you finalise the exact purchase price, your consultant finalises the loan based on the corrected loan amount. Pre-approved loans are extremely popular as more and more caravan buyers appreciate how helpful they are in expediting their hybrid purchase and providing certainty around budgeting. **For a quote or a pre-approved loan on an MDC hybrid caravan just give us a call and speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: NO LIABILITY IS ACCEPTED REGARDING HOW THE INFORMATION ON MANUFACTURER GOODS AND SERVICES AND ANY GOVERNMENT POLICIES, GUIDELINES AND OTHER INFORMATION IS PRESENTED. SPECIFICATIONS AND FEATURES OF GOODS AND DETAILS OF OTHER ISSUES HAVE BEEN SOURCED FROM PREDOMINANTLY ONLINE PUBLISHED SOURCES. NO LIABILITY IS ACCEPTED FOR ERRORS IN FACTS AND FIGURES OR INTERPRETATIONS. IN REGARD TO FINANCIAL DECISIONS, THE INFORMATION IS INTENDED FOR GENERAL PURPOSES. IT IS NOT INTENDED AND NOT TO BE TAKEN AS FINANCIAL ADVICE. INDIVIDUALS ARE DIRECTED TO REFER TO THEIR OWN FINANCIAL ADVISOR SHOULD THEY CONSIDER THEY REQUIRE PROFESSIONAL ADVICE SPECIFIC TO THEIR CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Tasty Deals and Ideas for Foodie Caravan Travellers](https://www.jadecaravanfinance.com.au/blog/caravan-articles/tasty-deals-and-ideas-for-foodie-caravan-travellers) **Published:** September 14, 2020 **Author:** Publisher **Content:** A possible misconception about life in a caravan is that you have to forego or, at a minimum, compromise on your usual menu. That foodies have to skip their gourmet creations when you hit the road due to the limited galley *(for newbies that’s kitchen in the caravan world)* space and cooking amenities. Well, we’re calling out to all those who are under that impression and are missing out on the enjoyment of caravan life because they think it means roughing it in regards to food options. We’re giving you a range of ideas on maintaining your foodie ways while on the road and once convinced, some very sweet [caravan financing](/ "Discover Flexible Options for Financing Your Caravan") deals to either upgrade to a better equipped model or purchase your first caravan. As a major caravan finance broker in the leisure market, we try to stay across developments in the caravan manufacturing industry. There have been many significant innovations and improvements but one of note has been the upgrade in the cooking facilities. ## Fully-Equipped Caravan Kitchens Many of today’s caravans offer amenities, built-ins, facilities and appliances of a quality that would not be out of place in a contemporary apartment. These include in some models 2 door fridges with generous capacities. For example, the [Jayco Starcraft](https://www.jayco.com.au/range/caravans/jayco-starcraft-caravan "Explore the Features of the Jayco Starcraft Model") has a 164 litre fridge and the larger size Millard Toura models have a 190 litre Dometic 3 way fridge. Full-sized ovens have become quite standard as well as microwaves in addition to up to 4 burner cook tops. All neatly installed with good storage space for crockery, utensils and your own benchtop appliances. All set and ready for you to whip up that gourmet meal while on the road. Many models also include an external BBQ as standard. Some camper trailers and hybrids have exterior cooking options only, but they usually include awnings so you are cooking under cover. You don’t necessarily have to go big to get great cooking facilities. The new entry level caravan from New Age, the Red Owl, which is a pop-top has a functional and well-equipped galley. If you’re staying in a holiday park, you’ll probably also have access to their communal cooking facilities. Remember to use these facilities in a COVID-safe manner and always clean up after yourself. If you’re wondering how upgrading to a caravan with a fully-equipped kitchen compares price-wise to a smaller model, use our [Caravan Repayment calculator](/loan-calculator "Explore Caravan Payment Estimations Here") to generate a rough repayments estimate on different models. ## Inspiration for Cooking on the Road Stir fries, roasts, pasta dishes, cakes, biscuits, seafood…there are a multitude of caravan and camping recipe ideas available online. Ideas for all dietary preferences so you shouldn’t have to compromise. How about cooking your own catch? Selecting the right destination and location can provide inspiration and ingredients for a great on-the-road menu. Top fishing spots can give you access to fresh fish every daily. We’ve posted a couple of articles on [free camping sites a](https://www.jadecaravanfinance.com.au/blog/caravan-articles/free-camping-and-caravan-sites-in-queensland/)[r](https://www.jadecaravanfinance.com.au/blog/caravan-articles/free-camping-and-caravan-sites-in-queensland/)[ound QLD](/blog/caravan-articles/free-camp-sites-in-south-australia/) & [SA](/blog/caravan-articles/free-camp-sites-in-south-australia/), some of which are located adjacent or close to great lakes and rivers. When you’re travelling through regional areas, through Australia’s food bowl, what better place to source the freshest produce, often available right at the farm gate. ## Follow the Foodie Trail Australia has an abundance of food producers in every state and territory. The Hunter in NSW; much of Tasmania; the Barossa in SA and fabulous seafood at the fishing mecca in Port Lincoln; the south-west of WA; north Queensland is abundant with fresh produce and the Yarra Valley in Victoria. If you don’t want to cook every night, and who does, plan your caravan holiday or travelling around following the foodie trails in your state. Refer to the relevant state tourism website for ideas, maps and locations. Here’s some suggestions ## Need a Better-Equipped Caravan? So yes, you can create Instagram-worthy dishes while enjoying the caravan life. If we’ve inspired you to get out on the road and cook up a storm or perhaps you have a small van and think it’s time to upgrade to a better equipped model, then speak with Jade Caravan Finance about a great caravan finance deal. Your Jade consultant will discuss your personal requirements and preferences and source you the cheapest deal available for our most popular caravan finance product – Secured Caravan Loan. The ‘ingredients’ in our [Secured Caravan Loans](/secured-caravan-finance "Explore Secure Financing Options for Caravans") include: - We start with Jade’s signature [cheapest caravan interest rates](/interest-rates "Discover the Most Affordable Caravan Financing Rates"). - The loan term is negotiated to best suit your preferences. - This creates fixed monthly repayments which your consultant negotiates ‘to your taste’. - You can make additional payments if you choose – adding your own touch – and if you pay out the loan prior the end of the loan term, minimal break fees apply. So if you’ve discounted the idea of caravanning because you thought you had to compromise on your foodie lifestyle, perhaps it’s time to rethink. Having your own caravan opens up a myriad of options in lifestyle and with a cheap loan from Jade Caravan Finance, you may be able to enjoy a champagne lifestyle on a beer budget. **To discuss a loan on a caravan with a fully-equipped kitchen to suit your foodie ways, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IN THIS ARTICLE IS FOR GENERAL INFORMATIVE PURPOSES AND NOT INTENDED AS FINANCE ADVICE. INDIVIDUALS SHOULD REFER TO THEIR FINANCIAL ADVISOR OR ACCOUNTANT FOR ADVICE IN REGARD TO THEIR INDIVIDUAL FINANCIAL DECISIONS AND SPECIFIC CIRCUMSTANCES. DETAILS IN REGARD TO GOODS, SERVICES AND GOVERNMENT OFFERS AND POLICIES HAVE BEEN SOURCED FROM PUBLIC MANUFACTURER AND SUPPLIER WEBSITES AND GOVERNMENT RESOURCES. NO LIABILITY IS ACCEPTED FOR ANY ERRORS OR MISREPRESENTATION OF INFORMATION AND DATA OBTAINED FROM THESE SOURCES.* **Categories:** Caravan Buying Articles --- ### [Go it alone or head for a holiday or caravan park?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/go-it-alone-or-head-for-a-holiday-or-caravan-park) **Published:** July 22, 2020 **Author:** Publisher **Content:** In times of COVID-19, many holidaymakers and travellers are understandably cautious about where they choose to stay. A major decision is whether or not to avoid the traditional caravan parks and camping areas and opt for a more isolated and separate style of location to set up their caravan. We cover off on some of the considerations with information we’ve sourced from various channels to assist your decision-making and holiday and trip planning. ## What are the options to a caravan park? Free camping is an option to a caravan park and according to sources, free camping sites are increasing in popularity and proliferation. With most of today’s caravans fully equipped with all the facilities you need, many travellers prefer the free or low-cost option. Free and low-cost camping and overnight sites are available across the country and you’ll need to check what is available in your destination area. National Parks all require bookings these days so make sure you plan ahead. A few spots we sourced include:- - [Cowra Overnight Spot, NSW](https://www.visitnsw.com/destinations/country-nsw/cowra-area/cowra "Discover an ideal overnight spot in Cowra, New South Wales"): in western NSW this spot has bitumen parking spaces for caravans of varying lengths plus waste disposal facilities and toilets. - [Kyffins Reserve, NSW](https://www.federationcouncil.nsw.gov.au/Outdoor-Spaces/Kyffins-Reserve "Learn more about Kyffins Reserve in New South Wales"): a few kilometres west of Corowa on Lake Mulwala, this site is an idyllic due to its waterfront location and great fishing! - [The Reef Reserve, Lake Oberon, NSW](https://www.campsaustraliawide.com/free-camp-the-reef-reserve-lake-oberon-nsw/ "Explore The Reef Reserve at Lake Oberon, New South Wales"): another lakeside location which may be the perfect place for you to stop for a few days. - Ludlows Reserve, VIC: on the High Country Trail and very close to Lake Hume this site also has a boat ramp for those with toy haulers. A quick internet search of free campsites or [www.campsaustraliawide.com](https://www.campsaustraliawide.com "For more information, visit the Camps Australia Wide website at www.campsaustraliawide.com") will reveal many for you to consider across Australia. ## Benefits of a Powered Site Of course, many people like the benefits that a powered caravan site offers. These include taking a load of your own batteries, possibly giving them a chance to recharge; being able to more easily run appliances such as the washing machine; and these sites usually have access to water to refill your tanks. Plus you can offload your grey water and other waste. ### Off-Road Options So you’ve invested in an off-road van and want to put it through its paces – where to go? Coronavirus travel restrictions may limit your choices, especially in NT and WA which abound with great off-road destinations. So check with local authorities to see what’s available and what access is like at the time you will be travelling. Even the most spec’d up vehicles may face challenges across the top end in the wet season. ### Holiday Park Options Holiday parks have morphed from the traditional caravan park into full-on holiday destinations. Big4 is a group which has caravan and holiday parks across the country. Many are independently owned so you receive that personalised owner-operator service. Facilities vary from park to park so you have plenty of choice including children-friendly and pet-friendly options [www.big4.com.au](https://www.big4.com.au) They also offer member benefits. [NRMA Holiday Parks](https://www.nrmaparksandresorts.com.au/) are also worth reviewing as potential places to stay. This organisation has a stellar reputation and has a range of parks in favoured locations. ## Choosing a Location – Considerations - If you choose to set up independently in a remote spot, please be mindful of the environment when setting up and when departing. Take care not to leave damage or any waste. Remember, leave only footprints! - Disposal of grey water: be mindful about disposing into rivers and waterways. - Choose a COVID-safe park and practice safe social distancing and follow health orders for the state you are travelling in. ### Buying a Caravan to Suit Your Site Of course, before you head off you need a vehicle – a caravan, RV, motorhome or camper trailer to suit your travel style and choice of preferred location. We’ve posted a number of articles discussing the various features and benefits of the various classes and categories of caravans and recreational vehicles: traditional caravans, slide-ons, pop-tops, pop-outs, camper trailers and off-road vans. Have a read in our news and tips section and check out the caravan manufacturer websites for the latest offers. While checking out the price offerings, refer to our Jade Caravan Finance calculator to see how your possible repayments may vary from van to van. ### Sourcing Caravan Finance Jade Caravan Finance offers loans on all types of caravans. The Secured [Caravan Loan](/ "Learn about financing solutions for your caravan purchase") is the most popular type of loan as it features fixed elements to provide you with certainty over the loan term. - [Fixed interest rate for motorhomes](/interest-rates "Explore motorhome financing with a stable, fixed interest rate") - Fixed finance term - Fixed repayments Don’t forget to arrange your pre-approved caravan finance with Jade before you start discussing your caravan requirements with a dealer or manufacturer. **To discuss cheap caravan finance, contact Jade Caravan Finance and speak with one of our consultants at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Destinations: NSW Local Favourites](https://www.jadecaravanfinance.com.au/blog/caravan-articles/destinations-nsw-local-favourites) **Published:** July 26, 2020 **Author:** Publisher **Content:** The great attraction and enjoyment of the caravan lifestyle is the freedom and ease of visiting so many great places across Australia. While many travellers like to return to the favourites, others prefer to constantly seek out new destinations to explore. When you arrive at a caravan park or holiday destination that you’ve not visited previously, most travellers ask the locals for the best sights and secret places to visit. We haven’t had the pleasure of travelling the country to check out every secret location, but we have sourced some suggestions for you. In this first ‘locals’ article we cover NSW. If you have any secret places you would like us to know about and share, send in your destination suggestions. ## Mid North NSW Coast - The mid-north coast of NSW has some absolutely idyllic scenery and locations. - [NRMA South West Rocks Holiday Resort](https://www.nrmaparksandresorts.com.au/south-west-rocks/ "Check out NRMA's South West Rocks Holiday Resort website for more details.") could be a great place for you to stay. - [Smoky Cape Lighthouse](https://www.nationalparks.nsw.gov.au/things-to-do/historic-buildings-places/smoky-cape-lighthouse) offers spectacular views across the Pacific and into the hinterland and makes a great place to take a picnic and watch the whales. - [Arakoon National Park](https://www.nationalparks.nsw.gov.au/visit-a-park/parks/arakoon-national-park) has a lookout and plenty of bushwalking paths to keep you fit. ## Central Coast NSW - The Central Coast is a perennial favourite with holidaymakers. Plenty of caravan parks, recreational facilities, entertainment and dining options and major town centres for the all essential shopping. - For a nature hit, head for to [Bouddi Coastal Walk](https://www.nationalparks.nsw.gov.au/things-to-do/walking-tracks/bouddi-coastal-walk "Discover the beauty of the Bouddi Coastal Walk on their official website") which runs from Putty Beach at Killcare at the southern end of the central coast, across the headland and through the bush to MacMasters Beach. There’s refreshments at both ends so it doesn’t matter where you choose to start. ## Coffs Coast NSW Coffs Harbour is a well-known and well-resourced regional centre and a major stopover for caravan travellers en route to Queensland via the Pacific Highway. Landmarked by [The Big Banana](https://bigbanana.com/ "Learn more about The Big Banana attraction by visiting their website") the town centre is bustling with activities and entertainment and dining options. But for those that head slightly north, south or west of the town, there are many delights to explore. - Sealy Lookout at Forest Sky Pier is easily accessible and a great outing. - Wedding Bells State Forest: if you have bikes in your toy hauler, get them out and head to this forest for some mountain bike action. - Isolated beaches are dotted along the coast with kilometres of sand. But – safety first. It is never advisable to swim on unpatrolled beaches. ## South Coast NSW - The south coast was devastated by bushfires in 2020 and local businesses can definitely do with your support. When you take time out from shopping up a storm in town, there are many delights to explore in nature. - Wasp Head is on the edge of the [Murramarang National Park](https://www.nationalparks.nsw.gov.au/visit-a-park/parks/murramarang-national-park) and offers sensational coastal views, scenic walks and fabulous beaches. But more importantly, the area has a rich Aboriginal heritage to explore. - Mogo Zoo, inland from the far south coastline was saved by brave keepers and staff from the bushfires. This is a great place to visit. ## Head West - Western NSW has a load of great offerings and Dubbo is a very popular stopover for caravan travellers either on their way to somewhere else or as destination in itself. - The NRMA has a holiday park in Dubbo which may present you a great site option. - [Royal Flying Doctor Service experience](https://dubbo.experience.flyingdoctor.org.au/#gref) is worth a visit. The exhibit has educational and informational resources and elements which should be interesting for all ages. - The Western Plains Zoo is must-visit location! - Wellington Caves includes a historic mine which can be explored and reveals fossils and megafauna. ## Alpine Adventures - Even if you’re not a skier or snowboarder, the alpine areas of NSW offer plenty of interesting places to see and explore. You can book a site at the NRMA Jindabyne Holiday Park as your base. - Jindabyne is a quite a well-resourced town with a supermarket, theatre and plenty of shops and dining options. - On the Alpine Way to Thredbo you’ll find the [Wild Brumby Distillery](https://wildbrumby.com/), famous for its schnapps and other spirits. Of course, don’t sample the merchandise and drive. - Lake Jindabyne offers sailing (yes it has a sailing club) as well as fishing in quite a different style of environment. - The Snowy Hydro Visitor Centre in Cooma is an interesting place to visit to update on the latest developments. ## Getting Set for Travel Of course, in order to enjoy all these and more adventures, you’ll need a suitable caravan and the [best caravan interest rate](/interest-rates "Find the most competitive interest rates for caravan financing"). We’ve posted articles on many manufacturers so you can review what caravans are available and contact Jade Caravan Finance to organise a [cheap caravan loan](/ "Explore affordable options for caravan financing") to match your van. **To discuss cheap caravan finance, contact Jade Caravan Finance and speak with one of our consultants 1300 000 003** DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE *PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Showcase: Victory Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-victory-caravans) **Published:** July 3, 2020 **Author:** Publisher **Content:** The [Victory Caravans](https://www.victorycaravans.com.au/ "Visit the official website for Victory Caravans to learn more") brand may not be a household name in the industry as the business is relatively new on the scene. But don’t be deterred. Victory is backed with decades of experience in the caravan industry. People that understand the recreational vehicle scene, appreciate what buyers are looking for and design their caravans to meet the expectations of even the most discerning traveller. Victory Caravans are of course, designed and built right here in Australia by the very well-known, [Network RV](https://networkrv.com.au/about-us/ "Explore Network RV's offerings on their official website"). The manufacturing facility is located in Australia’s caravanning hub – Campbellfield in Victoria and is equipped with the latest technology and machinery to enable the team to carry out most of the production in-house. The company currently offers three caravan models – Maestro, Symphony and Chorus. All manufactured to the highest levels of quality inclusions and finishes and designed to suit the caravanner that doesn’t want to leave luxury at home! Jade Caravan Finance fully understands that sentiment. We know that discerning caravan buyers also want a caravan loan that is cheap but includes all the features that great finance offers. Take a quick look at the Victory models then let’s talk caravan loans to get you on the road. ## Victory Maestro Robust chassis, independent suspension and off-road features, the Victory Maestro is ready to go with you onto the tracks and roads that many others simply can’t tackle. This Victory model includes comfort and luxury appointments which make the interior an opulent haven of relaxation. Features include a full ensuite bathroom, leatherette seating, washing machine, full oven and a grill, innerspring mattress with storage under the bed and overall, an interior décor which is superbly appointed and finished. On the outside, the Maestro is ready to take on the elements. A smart-looking design which is packed with inclusions such as scrub bars and heavy duty hitch, solar power, convenient front and tunnel boots to stow all those extras you want to bring along, roll out awning, grey water tank and a handy external shower. The Maestro is available in four lengths – 15’, 17’6”, 18’6” and 19’6”with varying floor plans so there’s sure to be a configuration that suits your requirements. Rugged but superbly stylish. Speak with Jade Caravan Finance before you heading to Victory to discuss your Maestro so we can arrange a pre-approved loan so you can place your order on the spot. ## Victory Symphony If you’re thinking of getting into caravanning but not keen on skimping on the luxury you’re used to while holidaying at a hotel or other accommodation – then the Victory Symphony could be the caravan that fits your requirements. This model is tagged as the model for travellers that do want their luxuries on the road. A quick peek inside and that claim becomes clearly evident. The Symphony has the WOW factor and the inclusions to back it up – plenty of storage, washing machine, superb finishes and choice of materials, stylish décor, full ensuite, queen-sized bed and even a linen cupboard. On the exterior, the chassis is designed to create a smooth towing experience. The design is neat yet striking, the tyres are wider than normal, plus you have all you expect from a quality van such as roll-out awning, a solar panel, two 95L water tanks and plenty more to enhance your experience. Victory offer 8 layouts on the Symphony range and 3 lengths – 19’6”, 20’6” and 21’6”. It’s your choice from the standard layout on the 19’6” or the angled kitchen, triple bunk, rear club, side club or L-shaped ensuite on the larger sizes. Definitely worth a visit to the Victory website to check out all the details. While you’re browsing layouts and lengths and options, keep our Jade online caravan loan calculator open in another web tab. You can quickly calculate rough ballpark estimates on monthly repayments for the different priced models. ## Victory Chorus The newest model for the brand, the Victory Chorus range includes larger models from 17’6” right up to 23’. The Chorus is set-up with not only the standard inclusions you would expect from a quality van, but plenty more features that will give you the independence required for long-term touring. The different layouts will allow you to order exactly the Chorus model that suits your touring style. Victory are passionate about caravan design and you’re highly likely to share that passion when you view the collection. ## Finance for All Victory Caravans Jade Caravan Finance provides [caravan loans](/ "Explore financing solutions for your caravan purchase") for all models of Victory Caravans and just as each model has the luxury touch, Jade adds that extra level of service and features to our loans. Your Jade consultant is your professional finance broker with a large number of banks and lenders from which to source the best loan for your requirements, including [rv finance](/motorhome-loans "Discover financing options for your recreational vehicle (RV) here") options. We’ll source you a quote and on acceptance, proceed to finalise the loan, handle the paperwork to streamline the process for you and even liaise with Victory to assist with prompt settlement. **To discuss a cheap caravan loan on a Victory Caravan, speak with a Jade Caravan Finance consultant at 1300 000 003** **Categories:** Caravan Buying Articles --- ### [First Caravan Buyer Loans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/first-caravan-buyer-loans) **Published:** July 7, 2020 **Author:** Publisher **Content:** Due to the restrictions and other issues around COVID-19, many people are turning to caravans as an alternative to holidays by air overseas or even interstate and stays in other forms of accommodation. The travel restrictions are one and a very major consideration but some may also see having their own self-contained and self-controlled environment as a health safety consideration. So for those embarking on the very first caravan purchase, [Jade Caravan Finance](/ "Learn more about the financing options offered by Jade Caravan Finance") offers a cheap caravan loans and tips, hints and information on the purchase process. ## Choosing Your Caravan There are many basic issues to consider when buying your first caravan. These include, but are not limited to:- - Type of vehicle: a traditional [caravan, a camper trailer, a mobile home or an RV](/blog/caravan-articles/selecting-the-caravan-or-camper-trailer-to-suit-your-travels/ "Explore options for owning a caravan, camper trailer, mobile home, or RV here"). Each offers its own distinct features and advantages. We covered the differences between each vehicle in a recent blog article – check it out in our resources library. - New or Old? This decision is often driven by price or more specifically, your budget. Before jumping one way or the other…if a new caravan is beyond your budget consider going down to a less expensive category such as a new camper trailer rather than going first to a used caravan. While there are great vans in the second-hand market and Jade provides loans for used caravans, a low price tag may come with uses such as rust in the suspension. Issues which may add up to higher maintenance in the medium term. - Price v Affordability: consider the price tag in terms of monthly repayments on your Jade Caravan Loan to assess affordability. We provide a [Caravan Loan Calculator](/loan-calculator "Use our handy tool to calculate Caravan Financing options") on our website to instantly calculate a rough ballpark estimate on repayments. - Towing Vehicle: If you’re going to buy a caravan or camper, you need a suitable car to tow it. If you have a medium-sized passenger car, you will want to focus on small vans and campers that can be towed with your vehicle. They do exist. If you have a larger vehicle/SUV, check the towing capacity before committing to a purchase. - If you don’t have a vehicle suitable to tow, consider a mobile home or campervan with vehicle and accommodation in the one vehicle. - Driving Capabilities: If you’re going to tow a van, you need to know how. Some states have conditions on driver licences in regard to towing. Ensure your licence meets those conditions. If you’ve never towed a trailer or caravan, seeking out professional lessons may be advisable. Safety on the road is paramount. - Size: Obviously the size of your caravan will depend on how many people you need to accommodate. For families, most manufacturers offer versatile floorplans and a large number of configurations so you can include bunk beds for the kids. - Travel Plans: There are different vans for different road surfaces. If you plan to go off-road, make sure you choose a suitable model. The off-road models will usually have a higher price tag due to the heavy duty features. So if you only intend to stay on the bitumen and overnight at holiday parks, a standard model may be a better option. - Timing: New caravans are often built-to-order. If you want to head off quickly, you may have to purchase a stock caravan from the showroom. ## Choosing a Manufacturer This is probably where the buying process gets very difficult as there is a large number of great Australian caravan manufacturers with wide ranges of models to suit every purpose. With many of the caravan and camping shows cancelled for 2020 due to COVID-19, the opportunity to see a large showcase in the one location is unfortunately not possible in most states. But manufacturers offer loads of detail on their websites and many include video tours. Some of the leading manufacturers include: [New Age](https://newagecaravans.com.au/), [Jayco](https://www.jayco.com.au/), [Supreme,](https://www.supremecaravans.com.au/) Millard, [Victory](https://www.victorycaravans.com.au/) and many others. As with all major purchases and especially being your first caravan purchase, check out the forums and reviews for opinions and feedback. ## Securing Your First Caravan Loan That may end up being the easiest part of the process as Jade Caravan Finance is renowned in the recreational and leisure finance sector. We offer cheap caravan loans for first van buyers and forever caravan purchasers. Not all banks and lenders offer finance for caravans to all applicants. So engaging our services as your finance broker gives you access to a large number of lenders, including those that do specialise in caravan finance. The most popular form of caravan finance for private buyers is the Secured Caravan Loan. This type of loan includes: - Jade’s cheap caravan loan interest rates, fixed for the loan term - Fixed Loan Term - Fixed Monthly Repayment - Option to make additional payments - Minimal break fees if you decide to payout the loan early. Your Jade consultant will source you a no-obligation quote and on your acceptance of the quote, proceed to process your application and handle the paperwork. **To discuss a loan for your first caravan, contact Jade Caravan Finance and speak with one of our consultants at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Family Favourite: Millard Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/family-favourite-millard-caravans) **Published:** July 11, 2020 **Author:** Publisher **Content:** Millard is one of the iconic names brands in the Australian caravan industry. For over 70 years, families have travelled and enjoyed great holidays in their Millard Caravan and the tradition continues with the current range of RVs and caravans. Now known as Millard RV, this Sydney-based manufacturer offers a number of vehicles to suit a range of surfaces. Each model has a huge range of options and choices, so you can personalise your Millard to suit your own style. Select the exterior decal, interior finishes and materials, the floor plan and layout and many other selections to be made. So which Millard model best suits your travel style? We take a look at a few of the offerings and choose between the on-road MFlow, the semi off road Toura or the Slide On. If you’re talking price with a dealer, don’t forget to have the Jade [caravan finance calculator](/loan-calculator "Access our convenient tool for calculating financing options for caravans") open on your smart phone so you can compare how the rough estimate of repayments varies when you add the optional extras and go up to larger sized vans. ## Toura – The Semi Off Road Choice If you plan to head into semi-off road locations, the Millard Toura could be the vehicle for those adventures. The aluminium frame is built from Australian materials and when combined with the hot dipped galvanised chassis and superior suspensions system, the Toura is a vehicle that will stand up to Aussie conditions on the road. Now comes the first choice – what style of Toura suits your requirements – a full van, bunk or the pop-top model? Your decision will likely hinge on how many people you plan to accommodate – a couple, a small family or a larger group. The Toura is available in a number of sizes in either the RD or the CD: 16’9”CD, 17’6”RD, 18’2”CD, 19’6”CD, 20’2”RD, 21’6”CD and 22’2”RD. The floorplan variations allow buyers to select an interior layout that suits their lifestyle. While on the interior – Millard offers 4 options in the colour selections for the interior. Each options has a palette of coordinating colours for the cabinetry, upholstery, bench and table tops and flooring in either brown or grey shades. On the exterior of the Toura, buyers also get to select the decal colour scheme they prefer. While buyers do have a number of decisions to make to customise their Millard, many features and inclusions are standard fittings. These include two 95 litre water tanks, two gas bottles, solar panel; air conditioner, TV, washing machine and plenty more. ## MFLOW- The Fully-Featured On Road If your travels will always be on the bitumen, then the Millard MFLOW could be the van to make those trips even more enjoyable – at an affordable price! A stylish exterior in crisp black and white or silver with your choice of decal colour, 4 sizes and floorplans to select from and several options in interior colour palettes to choose from. While designed for on-road travel, the MFLOW is built to withstand Aussie conditions, constructed with aluminium composite walls over corrugated cladding and the Millard hot-dipped galvanised chassis. The interiors are superb with a contemporary style and durable, quality finishes to enhance your time on the road. The look is superb – have a look yourself. ## Millard Slide On If you own a flat tray ute then another choice for you in the Millard range is the Slide On model. This option essentially brings together the benefits of both the caravan lifestyle and the convenience of a motorhome. The unit ‘slides-on’ to your ute which means, no additional registration as you require with a caravan. In smaller sizes than the Millard caravans, the Slide On is compact and offers great value for many travellers. ## Cheap Finance for a Millard Caravan Of course no caravan truly offers the best value unless you purchase it with an equally feature-packed, value finance deal – a [Caravan Loan](/ "Explore financing solutions for your caravan purchase") from Jade Caravan Finance! With the best interest rates available fixed for the term of the loan, a fixed loan term, fixed monthly repayments and personally arranged by your Jade consultant, a Jade Caravan Loan is the ideal accompaniment to your Millard caravan. When you get a price range from the website or over the phone, contact Jade Caravan Finance for a pre-arranged caravan loan so you are all organised to complete your purchase when you head to the dealership. Building your new caravan will take some time, so get your order in ASAP to ensure you take delivery in time to meet your travel plans. Jade Caravan Finance offers fast approvals and prompt settlement and your consultant will handle the paperwork to expedite the process. **To discuss finance on a new Millard caravan, contact Jade Caravan Finance and speak with one of our consultants at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Planning for a Great Caravan Holiday](https://www.jadecaravanfinance.com.au/blog/caravan-articles/planning-for-a-great-caravan-holiday) **Published:** July 16, 2020 **Author:** Publisher **Content:** Caravans, RVs, camper trailers and motorhomes offer flexibility and freedom when it comes to holidays and touring. But what really enhances every trip is good planning. If you’ve just bought your first caravan or you’re planning on a longer trip, perhaps to an area you’ve never visited previously, we’ve compiled some tips and hints to assist in the pre-trip planning. ## Route Planning Deciding where you want to go is clearly the first step and secondly, what route you’ll take to get there. If travelling somewhere you are not familiar with, check with authorities on road conditions. - If travelling up north during the wet season, check with local authorities if the roads are expected to be passable. - When planning to [travel in alpine regions](https://www.environment.nsw.gov.au/topics/animals-and-plants/biodiversity/bioregions "Explore the beauty of traveling through alpine landscapes") during winter but at any time, check road conditions and forecasts with authorities to ensure the roads will be passable. Be aware that winter conditions can change quickly and dramatically and snow and ice can pose serious dangers. Stay tuned to local radio for updates while you are travelling. - If travelling in summer, check the bush fire rating for the area. We’ve seen too many times in Australia how bush fires can start very quickly spread to vast areas. Checking ahead may prevent you being in a bush fire prone area at the wrong time. - Check for cultural and sensitive issues. If you plan to travel in areas with indigenous communities, be mindful and respect cultural issues and sites. Ensure your van is suited to the road conditions you expect to encounter. If you have an on-road vehicle, travelling into inland areas may not be a good idea. Many inland roads suddenly change from bitumen to red dirt or corrugated surfaces which the suspension on an on-road van is not built to withstand. Either stick to the bitumen or upgrade to an off-road van. ### Check where the facilities are available on your route:- - Petrol stations - Rest stops - Toilet facilities - Food and supplies stores - Water - Medical services - Internet coverage and mobile phone services. If these are not reliable, consider purchasing a radio phone or other form of communication. [Local council websites](https://knowyourcouncil.vic.gov.au/ "Access websites for your nearby municipal councils here") in the regions should provide the information you need. ## Vehicle Maintenance and Service Always have your vehicle professionally maintained and serviced before an extended trip away. Follow the manufacturer’s checklist for regular maintenance and pre-trip checks of various componentry, water tanks, gas bottles etc. Note the location and contact details for your caravan manufacturer service centres in the area you intend to travel – just in case! ## Choosing a Holiday Park Holiday park or caravan park? Holiday parks tend to be the term used for contemporary facilities which cater for caravans as well as having on-site cabins and other activities. - Holiday parks have evolved into destinations themselves, offering a wide range of activities for even the most active families. Facilities may include swimming pools, water slides, games rooms, communal BBQ and kitchen facilities and many more activities. - If you’re say a couple that prefers a quieter environment, perhaps seek out a caravan park which caters for your style. - If travelling with a pet, ensure the park you select is pet-friendly. - If planning to set up camp on your own, ensure that is legal in that area. Local council websites should provide that information. - National Parks have restrictions as to what they permit in their parks. If travelling through or planning to stay in a National Park, check the conditions and costs. - Book ahead. Holiday and caravan parks can be very popular at any time of year. - For some ideas on where to stay check out ## Be Flexible! It’s great to have the freedom of touring in a caravan but you need to be flexible. During the coronavirus, we’ve seen how state borders can be shut at relatively short notice. Floods, fires, cyclones and other natural weather events can also happen at short or no notice. If such an event occurs on your travel route, be prepared with a back-up plan. Do you pre-trip research and planning for an alternative destination so you’re not caught out. ## Enjoy Your Caravan Life With a Finance! At [Jade Caravan Finance](/ "Learn more about the financing options provided by Jade Caravan Finance here") we want all our customers to enjoy their touring and holidaying and we want even more people to experience the fun and freedom that caravanning has to offer. If you’re in the market for a new or your first caravan, review our articles on some of the leading caravan manufacturers in Australia and contact us to discuss finance. Jade Caravan Finance offers the best interest rates on [Secured Caravan Loans](/secured-caravan-finance "Discover the advantages of Caravan Loans secured with collateral") with:- - Fixed Interest Rates - Fixed Loan Terms - Fixed Monthly Repayments - Loans sourced from a large number of banks and lenders **To discuss a great caravan loan, contact Jade Caravan Finance and speak with one of our consultants at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [In Focus: Masterpiece Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/in-focus-masterpiece-caravans) **Published:** July 18, 2020 **Author:** Publisher **Content:** With more Australians looking to explore off the black top and expand their adventures, demand for off-road caravans is also growing. Many caravan manufacturers have responded to this demand by adding off-road models to their ranges and specialist off-road caravan manufacturers, such as [Masterpiece Caravans](https://www.masterpiececaravans.com.au/ "Explore the offerings from Masterpiece Caravans on their official website") have also emerged onto the market. Masterpiece Caravans began producing premium, off-road caravans to suit the luxury market in 2016 with the business owner bringing over 15 years of caravan industry experience plus a background in engineering into the operation. The company focuses on quality manufacture of handmade and custom-built caravans that are engineered with the durability to take on the toughest conditions in Australia. Considered a ‘boutique’ or specialist manufacturer, Masterpiece offers a range of layouts and variations across their five key caravan models – Titan, Performance, Optimum, Dynamic and XTM ## Masterpiece Performance The [Performance caravan model](https://www.masterpiececaravans.com.au/detail/performance-luxury-off-road.html "Discover the capabilities of this high-performance caravan model here") is built as the name implies, for performance. This is the caravan for people that are planning that bucket list around Australia and don’t intend to be restricted by the bitumen. The chassis is engineered to suit off-road condition, the exterior constructed of high profile stucco aluminium and the inclusions will have you organised for that extended time away. The Performance is available in a large number of lengths and floorplan layout from 19’ straight kitchen to the 22’6” triple bunk version. So you can select the size and the floorplan that will specifically suit your lifestyle. The interior styling is contemporary with a light, spacious feel – courtesy of the thoughtful layout plan. The list of specifications and standard features is very impressive, proving that Masterpiece genuinely understands the off-road caravan market and design their vans to suit. ## Masterpiece Titan [The Titan](https://www.masterpiececaravans.com.au/detail/titan-full-off-road.html "For more information, check out the details of the Titan Full Off-Road model on the Masterpiece Caravans website") is the ultimate for those seeking luxury for their off-road adventures. It definitely looks the part with a tough, yet stylish exterior styling with loads of checker plate and extra storage units mounted on the outside. This range starts at the 21’6” option and continues up to 23’6”. The floorplan options include a family layout, straight and angled kitchen and the ultimate club lounge. Underneath the tough pedigree of the Titan is clearly evident with the custom graphite chassis, 6” box chassis, off-road suspension and all the specs and more that you need. Inside, the style is luxury with loads of storage units – exactly what the long-term traveller requires. When discussing your custom Titan with Masterpiece, refer to the Jade Caravan Finance calculator to check ballpark estimates on loan repayments. It’s very handy to see how the repayments may vary when you add the optional extras. ## Masterpiece Optimum From those seeking the ultimate luxury to those seeking to go to the extreme in their off-road adventures – Masterpiece caters for all travellers. [The Optimum range](https://www.masterpiececaravans.com.au/detail/optimum-off-road-extreme-off-road-luxury.html "Explore the features and offerings within The Optimum range") is designed and built, right here in Australia, for those intending to enjoy extreme travel, off-road. The Optimum is manufactured to extreme standards of attention to detail and includes the fixtures, fittings and features that you will require when heading off-road. The size and layout selection ranges from 19’6” to 22’6” and includes angle and straight kitchen designs and options for single, dual or triple bunks. ## Selecting Your Masterpiece Masterpiece Caravans are custom built to order, so you can have your own van built to your specifications from the options offered for exterior, interior, layout and other variations. The company website is packed with information, layouts, full specs lists and customer reviews. The manufacturing factory is situated in Campbellfield in Victoria and Masterpiece dealers are located in most states to place your order. But before you head to a dealership or for a Masterpiece factory tour, it’s advisable to pre-arrange your finance with a call to Jade Caravan Finance. ## Finance for Your Masterpiece Jade provides the [best caravan finance](/ "Discover the best saravan finance options") offers with our signature best interest rates and the best loan for your requirements, sourced from our large lending panel. The [Secured Caravan Loan](/secured-caravan-finance "Explore the benefits of a Collateral-Backed Caravan Loan") is the most popular form of loan and includes:- - Our Jade best interest rates - Interest rate fixed for the finance term - Loan term fixed - Monthly repayments fixed - Personalised service from your Jade consultant - The best loan offer is sourced from our large number of banks and lenders - Tailored finance to best suit your requirements - The caravan is used as security against the loan - Additional payments are permitted - Minimal break fees if the loan is finalised early Pre-approved finance can be arranged so you have your loan sorted before you head to the dealer to place your order on a Masterpiece Caravan. Just contact Jade and we’ll get you a quote based on your estimated spend. If you accept the quote, we will process your loan through to the approvals stage. When you commit to your caravan purchase, we will finalise the loan agreement and assist with the paperwork. **To discuss a great caravan loan, contact Jade Caravan Finance and speak with one of our consultants at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Winter Caravanning Tips and Hints](https://www.jadecaravanfinance.com.au/blog/caravan-articles/winter-caravanning-tips-and-hints) **Published:** July 3, 2020 **Author:** Publisher **Content:** Lockdown is over, travel restrictions are eased so it’s time to get out and explore in your own caravan. But, it’s winter and some states are set for a few chilly months head and even snow in some areas. So if you’ve been hesitant to get into caravanning in the winter season, we’ve put together some hints and tips about [winter caravanning](https://allaroundoz.com.au/caravanning-in-winter/ "Learn more about caravanning during the winter season") to ensure you have a great experience. ## Making the Most of the Season In the more popular holiday destinations, winter is actually a great time for caravanning in holiday parks as they are usually not as busy as the summer months. It’s easier to get a booking and many parks offer cheaper rates in the off-peak season. Manufacturers also offer mid-year sales so it can be a great time to make that purchase. Please speak with one of our [Jade Caravan Finance](/ "Discover the financing options provided by Jade Caravan Finance") consultants to arrange a pre-approved loan before you head to the showroom. Having your loan sorted might give you the extra confidence required to negotiate a better purchase price. ## Heating Your Caravan The image of sitting around a campfire outside your caravan toasting marshmallows and swapping stories with friends is appealing and enticing. But if you’re questioning the reality of it all in winter, here are some considerations for staying warm while enjoying the outdoor lifestyle. - Many new caravan models especially in the medium to large category will come with reverse cycle air-conditioning already installed. As it has been especially selected and fitted to suit that van, you should be sorted. Most air-con units are fitted in the roof so as not to take up wall space. - With many models also fitted with solar power units, running the heating for longer periods won’t hit your back pocket in fuel or power costs. - To maintain a lovely cosiness, leave the heating on a relatively low setting when you head out. This will ensure the space stays at a comfortable temperature for when you return. - If your van is not already fitted with heating, contact the manufacturer or a specialist caravan accessories supplier to discuss the possibility of retro-fitting a suitable unit. The process may involve reinforcing the roof. - The other options include purchasing a standard portable space heater. These are very inexpensive but will require making space on a bench or use valuable floor space. The easily purchased types run on electricity which means you need to be connected to power. - Check all door, windows and sunroof seals for any damage. Make sure all openings are well-sealed against draughts so your heating system works efficiently and effectively. - If you have a camper trailer, you will want to invest in a good sleeping bag and foam mattress to stay cosy. ## Avoid Freezing Water Pipes Just as you use anti-freeze products to protect your car radiator water from freezing in very cold conditions, you’ll need to pay the same attention to your caravan. The containers that hold your water supplies and the connecting pipes both have the potential to freeze in many locations around Australia. Even relatively mild climates can dip below zero overnight in winter. Don’t worry, this is not a complicated task. We picked up a great tip from a caravanning website to share with you. Simply wrap the container in an insulating material can go a long way to preventing the water freezing. Bubble packaging wrap, doonas and other quilted-style garments and bedding, apparently do a great job with this task. For more expert advice than we are qualified to provide, have a chat to your local caravan and camping retailer or check in with caravan forums and blogs. The community love sharing their tips and many provide real-life experiences which are very useful. ## General Tips - Depending on how cold the region you intend to visit will be, you may have to change your gas supply from butane to propane and the associated regulators. Seeking specialist advice on this process from a caravan expert or gas supplier is strongly advised. - Ensure you have the correct tyres on your caravan or camper to handle the road conditions. Travelling in alpine areas may require heavier duty tread and ensure you’re equipped to handle any ice-covered roads which are prevalent in winter. - When purchasing a van for winter travelling, ensure it has good quality bathroom facilities so you won’t have to venture outdoors to use the park facilities when temps drop! - Many new caravans are built to order, so ensure you allow sufficient time for the manufacturer to prepare your van to meet your travel schedule. ## Caravan Loans for All Seasons Fortunately, Jade Caravan Finance doesn’t operate on seasonal fluctuations. Our [cheap caravan loan interest rate](/interest-rates "Explore low-cost interest rates for caravan loans here") offers are available through all seasons. Whether you’re purchasing a new or second-hand van, RV, camper trailer or mobile home, your Jade consultant will source you the cheapest quote available to suit your needs. So get organised, get that caravan and head out across Australia to enjoy the delights of winter caravanning. **To discuss a cheap caravan loan, speak with a Jade Caravan Finance consultant at 1300 000 003** **Categories:** Caravan Buying Articles --- ### [Selecting the Caravan or Camper Trailer to Suit Your Travels](https://www.jadecaravanfinance.com.au/blog/caravan-articles/selecting-the-caravan-or-camper-trailer-to-suit-your-travels) **Published:** May 28, 2020 **Author:** Publisher **Content:** For new buyers, the vision of buying a caravan is filled with excitement and wonderful images of touring across the country, carefree holidays and freedom of travel. But when it comes down to deciding which particular caravan or camping vehicle to purchase, many are overwhelmed with the choices. To assist, here’s a brief explainer. ## Types of Vehicles - [Conventional Caravan](https://www.canstarblue.com.au/vehicles/caravans/ "Discover details about the Traditional Caravan model here"): as the title implies, this is the classic definition of a caravan. A solid body vehicle with berths, kitchen and bathroom facilities. Lengths can vary from compact to up to 10 metres, some have one axle while the larger models feature two axles. - Off-Road Caravans: this description can have several connotations so make sure you’re on the right track when purchasing. Most Australian caravan manufacturers offer an off-road model in their range. These may be designed to take on more rugged roads for those touring in remote locations or as live-in work stations for remote and roving workers. They will have stronger axle and chassis to withstand the tougher terrain, are higher off the ground to more easily ride over rocky ground and will have the appropriate off-road tyres. At the more extreme end, off-road caravans are built for complete off-the-grid living. They will include they’re own power-generation and other inclusions. - [Toy Haulers](https://www.jayco.com.au/promo/toy-haulers): these vehicles may look like a conventional caravan on the outside, but on opening they reveal their secret – a special additional compartment or deck to take all your toys. Compartments are included to take motorcycles, small boats, bicycles, work equipment and plenty of it. Decks and ramps are usually incorporated so you can easily get the toys in and out. - [Motorhome](https://www.sa.gov.au/topics/driving-and-transport/vehicles/vehicle-types-and-specifications/campervans-and-motorhomes): Sometimes referred to as an RV, recreational vehicle, the motorhome is your caravan and driving vehicle in the one unit. Winnebago is the most well-known brand in this category. It suits the traveller who wants to have all facilities easily at hand and the flexibility of being to pull up and stay in a wide range of locations, rather than be limited to a caravan park. Motorhomes come in a large range of sizes and luxury levels. - [Camper Trailers](https://www.cubcampers.com.au/blogs/articles/guide-to-picking-the-right-camper-trailer-for-your-next-trip): also known as a tent trailer, the camper trailer is a fold-down version of a caravan. Smaller in size, camper trailers can usually be towed by a standard car, thus avoiding the need for a large vehicle to tow a full-sized caravan. Camper trailers fold down to a trailer configuration so they do require set-up when you arrive at your destination. As such, possibly not the right choice if you like to stop for a quick cuppa while out on the road – a conventional caravan is easier in that respect. Despite their reduced size, camper trailers can include bathroom and cooking facilities. Due to the construction, camper trailers are more affordable than conventional caravans. They are great if you plan to holiday in a holiday park with additional facilities such as showers and BBQ areas are available on site. - Pop-Top Caravans: these models are basically the same as a conventional caravan but with the added bonus of a pop-top roof. Once you’ve parked you can activate the pop-top roof which provides higher roof, better ventilation in some models, and as such a better sense of space. When you’re ready to head-off, simply retract the top to return the vehicle to the conventional shape for ease of towing. - Pop-Out Caravans: these models may be a pop-top with a pop-out or a conventional van with a pop-out. The pop-out is on the end of the van, usually one end. When you’ve parked-up, simply activate the pop-out and you have created greater space inside. The pop-out is one of the beds so it allows the van to easily be adapted to accommodate additional guests when required. - [Fifth-Wheelers](https://blog.campingworld.com/rv-basics/finding-your-rv/why-are-fifth-wheels-trailers-called-that/): these are your very, very, very large caravans and definitely need a large vehicle to tow them. The size represents the enormous living space inside as these vehicles are designed for people that will spend an extended time on the road. While the large living size may be appealing to some, it may also limit where you can travel. The may be restrictions on what holiday parks and caravan and camping areas you can visit, so check ahead. ### Easy Loan Selection It may be a challenge to decide which caravan, camper trailer or RV you want to buy, but at Jade Caravan Finance, we make the caravan loan process – easy! Personal Caravan Loans – [cheap caravan finance](/ "Jade Caravan Finance") available for the purchase of any vehicle you select. We can arrange you a Secured Caravan Loan with our best interest rates as always. [Chattel Mortgage for Caravans](/chattel-mortgage "More Information"): if purchasing a caravan for business use, we offer the full range of commercial finance facilities. **Contact Jade Caravan Finance to discuss a caravan loan on the vehicle of your choice with one of our consultants. Call 1300 000 003** **Categories:** Caravan Buying Articles --- ### [Showcase: New Age Revamps](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-new-age-revamps) **Published:** June 11, 2020 **Author:** Publisher **Content:** New Age Caravans has become one of Australia’s leading caravan manufacturers in a relatively short time, as a result of their advancements in design and engineering and essentially revolutionising many aspects of caravan manufacture. Since being purchased by the Walkinshaw Automotive Group in 2019, New Age Caravans is clearly exhibiting how the Group’s automotive and engineering expertise is being integrated into their impressive ranges of caravans, pop tops and campers. We put several of the New Age ranges in the spotlight to tempt you and start you thinking how you can enjoy travelling Australia in a New Age Caravan. ## Manta Ray Range The Walkinshaw influence on the New Age business is clearly evident in the revamp of the Manta Ray Range. A revamp which gives the stylish van even greater appeal and an even more comfortable experience as you travel. The Manta Ray range has a model to suit every traveller – singles, couples and families – with sizes including 16 ft, 18 ft, 19ft, 20 ft and 22 ft. The interiors are sleek, stylish and spacious with contemporary styling and quality fixtures and fittings. The cleverly designed floorplans optimise the space, even in the smaller sized vans and every model includes a full ensuite bathroom. Even the smallest 16 ft model has a queen sized bed as standard. So what’s new in the revamp? Well according to New Age, a totally new approach. The Walkinshaw engineered chassis which is hot dip galvanised for starters and the rear of the vans has been remoulded. Externally, the flat panels create an aerodynamic appearance. Inside, the colours and interiors have received a general overhaul and the result looks fantastic but more importantly, is functional and practical. Designed for 5 star luxury and ultimate travel enjoyment. In addition to the standard models, New Age also offer semi-off road options with the Adventurer Pack pack which includes, amongst other features, the Cruisemaster suspension. If you’re serious about enjoying your caravan life to the max, checking out the New Age Manta Ray range is must-do. There is also a pop-top in the range! ## Big Red Range New Age has also given the revamp treatment to their [Big Red Range of caravans](https://newagecaravans.com.au/products/big-red "Learn more about the impressive Big Red Range of caravan models"). This award-winning range is available in a range of sizes – 19 ft, 20 ft, 22ft and 23 ft. Once again, the Big Red also has the Walkinshaw-engineered hot dip galvanized chassis and has a number of new features which are sure to even further increase the popularity of this favourite. The exterior styling is sleek and stylish. The revamp has included the new flat sides and a new product is being used. The water tanks have been upgraded to 210L. Inside the thoughtful treatment continues with clever floorplans which maximise the space and suit a range of accommodation and activity requirements. The 22ft Club Lounge floorplan creates essentially a lounge-kitchen area separated from the sleeping and bathroom areas. An ideal living area for the whole family. Queen beds are standard. The inclusion of slide-outs in some models essentially creates three separate living areas. A much-appreciated feature for those planning long trips or with large family groups to entertain. On the entertainment angle – you can access your tech and music from anywhere including outdoors with the external speakers. Also worth a mention – solar panels, large fridge, full kitchen and plenty more to check out. ## MY20 Wayfinder For those that want a more compact option, you must check out the New Age Caravans products… They’ve revised the layouts and cabinetry for improved storage and the improved ABS moulding on the front reduces weight. With affordability at the forefront of their thinking, the upgrade packs have been revamped! Check out the entire range of New Age Caravans to decide which is best suited to your travel plans. The website includes great photo galleries and video interviews which explain many of the new and improved features. ## Getting into your own New Age When you’re ready to order your revamped New Age van, or even before, contact [Jade Caravan Finance](/ "Explore the financing solutions provided by Jade Caravan Finance here") to discuss a [cheap caravan loan](/interest-rates "Secure a budget-friendly caravan loan"). Our consultants are experts in recreational and leisure finance and will structure a loan to suit your financial goals. **To discuss a great loan on a New Age Caravan, contact Jade Caravan Finance and speak with our consultants. Call 1300 000 003** **Categories:** Caravan Buying Articles --- ### [Showcase: The Jayco Range for 2020](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-the-jayco-range-for-2020) **Published:** June 16, 2020 **Author:** Publisher **Content:** When you think caravans and leisure vehicles, you can’t help but think of [Jayco](https://www.jayco.com.au/ "Visit the official Jayco website for more information"). Arguably, possibly, the most favourite caravan manufacturer in Australia and definitely the most recognised, and a company that has continued to deliver innovative ranges and models for 45 years. With Australian manufacturing in the spotlight around Australia’s sovereignty in the coronavirus response, Jayco is without doubt, one of the country’s great manufacturing success stories and after all these years is still a family-owned business. Jaycos are seen on every highway and off the beaten track around the country as families, couples, solo travellers and adventurers appreciate the innovation, quality and safety incorporated into every vehicle without compromising on the all-important comfort factor. The company’s range covers the full extent of the leisure vehicle market including the conventional caravan, camper trailers, pop tops, Expanda, motorhomes, RVs, campervans and the must-have toy haulers. Within each category the range of models include a vehicle to suit just about every recreational and leisure pursuit, holiday and travel style and group size. We took a look at what Jayco has to offer its hordes of fans for 2020. What we found was three main ranges on offer – the Adventure Range, Family Range and Lifestyle Range and we checked out the models in each category. ## Jayco 2020 Adventure Series This exciting, built to tackle the most adventurous plans, range includes J-Pods, JTrak, All Terrain Caravan, All Terrain Pop Top, [Crosstrak](https://www.jayco.com.au/promo/crosstrak "Discover the Crosstrak range on their official website") and Toy Haulers. We took a closer look at the Crosstrak and found a lightweight and compact, purpose-built, off-road hybrid vehicle. Jayco have reduced the weight in the Crosstrak thanks to their own hot-dipped galvanised chassis construction combined with the independent trailing arm. The exterior is tough and the interior, as you would expect, practical and comfortable. A few great features to note are the outdoor ensuite and outdoor kitchen. Logical and practical as the adventurous at heart that are drawn to the Crosstrak will be spending a heap of their time – outdoors. The outdoor ensuite is created by opening the rear hatch and it is complete with a privacy screen. Very clever and super useful. ## Jayco 2020 Lifestyle Series The market for the lifestyle range is clearly those who don’t intend to skimp on any luxury while travelling on the road. If that sounds like you, then put the [Journey DX Pop Top](https://www.jayco.com.au/range/pop-tops) on your ‘must consider’ list. It has the Jayco features of toughness and streamlined exterior that you expect but we went straight to the luxe interior and WOW! The styling, colour palette, furnishing finishes and fixtures and spacious layout are all superb. ## Jayco 2020 Family Series Not that it was ever out of fashion, but the family caravan holiday seems to be surging in popularity as more families seek a more affordable way to create a quality experience. The 2020 series has a number of different models to suit different sized families and the different styles of locations. The Camper trailers offer a great alternative to actually pitching that tent but still being able to indulge in that outdoor experience. For those with smaller vehicles, or not as experienced in towing, a camper trailer presents a great option. They may appear small, but with Jayco you can be assured that inside it has the space you need and the comfort you expect. The [Jayco camper trailer range](https://www.jayco.com.au/promo/camper-trailers) has a great offering of models so you should be able to choose the right one to suit your family. ## The Jade Caravan Loan Range Jayco offers you a great range of different series, vehicle types, and individual models in each range so you can specifically select a vehicle that suits your requirements. When it comes to sourcing your caravan finance, Jade Caravan Finance takes a slightly different approach – only a few actual different loan products but each loan is specifically tailored to suit you. For those in Australia looking for financing options, consider exploring [caravan loan Australia](/ "Discover caravan financing options in Australia") with us. A luxe service with practical products. ### Secured Caravan Loan Most people opt for a [Secured Caravan Finance](/secured-caravan-finance "Learn about the benefits of Collateral-Backed Caravan Financing"), especially when purchasing a brand new caravan, motorhome, camper trailer or RV. Your Jade consultant will explain all the features of this loan which is based on our signature cheap interest rates policy, with the rate fixed for the term of the loan. We use our strong bargaining power as a major force in the leisure and recreational lending sector to negotiate the repayments, terms and conditions of your caravan loan to suit your needs. The repayments are fixed and the loan term is fixed. ### Unsecured Personal Loan In some cases, the caravan is not offered as security against the loan and in those instances, your Jade consultant may offer you an [Unsecured Personal Loan](/unsecured-personal-loans "Explore options for Personal Loans without collateral here"). With no security against the loan, this type of loan is priced higher than a secured loan and it is based on a variable interest rate. Head to our product web pages for all the details. With interest rates at historic low levels, now just could be the ideal time to select a brand new Jayco and lock in a Jade Caravan loan for the purchase. **To start a discussion around a tailored caravan loan, call 1300 000 003 and speak with one of our consultants.** **Categories:** Caravan Buying Articles --- ### [Product Showcase: Essential Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-essential-caravans) **Published:** June 24, 2020 **Author:** Publisher **Content:** With so many caravan and camping shows and expos cancelled for 2020 due to COVID-19, we’re bringing the brands to you in our virtual showcases. In this article we look at [Essential Caravans](https://essentialcaravans.com/ "Visit the official website for Essential Caravans to discover more"). Based in Campbellfield Victoria, Essential Caravans is an Aussie manufacturer which builds caravans for the Aussie lifestyle. ## The Range The Essential Caravans ranges includes a number of Series which have been designed to suit different touring and holiday preferences:- - Essential C-Class Series - Essential Cruiser Series - Essential Outlander Series - Essential Highlander Series ## Essential C-Class Series The [C-Class](https://essentialcaravans.com/caravans/c-class/ "Explore the offerings within the C-Class category here") expands on the levels of luxury already offered by Essential. The focus in design is on maximising storage options throughout the van within a magnificently appointed interior. This series offers a massive 10 floor plan options for the vans from the smallest 15’6” through to the largest in this series, the 22’10” model. So you can work with the Essential drafts people and designers to create the caravan that suits your style perfectly. The exterior features smooth lines while the interiors incorporate the exciting 2020 colour palette which enhances the luxurious feel and your overall experience. ## Essential Cruiser Series The [Touring Series of Essential Cruiser caravans](https://essentialcaravans.com/caravans/touring/) are truly your home on the road. Contemporary style, neutral palette, functional layouts and quality fixtures and finishes that have that instant WOW factor that goes well beyond appearances. The heavy duty chassis, fully insulated roof and walls, double-glazed windows and a massive list of standard features make this a model to seriously consider. ## Essential Outlander Series Essential refer to this series as their semi-off-road range. With extensive experience and many years in the caravan industry, the Essential team know that not everyone wants to stay on the bitumen but they don’t necessarily want to go into complete rugged terrain. [The Outlander](https://essentialcaravans.com/caravans/outlander-series/) is designed to perform on both bitumen surfaces on graded dirt roads, which opens up many trails for you to explore without the need for a specialist all-terrain vehicle. ## Essential Highlander Series For those that do want next level freedom and flexibility [the Highlander](https://essentialcaravans.com/caravans/highlander-series/) is your Off-Road option. Built on 6” galvanised steel chassis and featuring ALKO Enduro twin shock suspension, this collection is rugged but doesn’t skimp on sleek and stylish exterior lines or luxurious interior. ## Wide Selection of Layouts Essential Caravans offer what has to be one of the largest number of layout and floor plan options in the industry. The Highlander and Outlander are available in lengths from 15’ through to 22’ with layout variations to suit both couples and family groups. You can select which best suits the way you tour: standard, club, recliner or family with variations to suit your lifestyle. The C-Class has layouts to suit a couple or to accommodate a family of 5. If you’ve got your eye on the Touring Series, you also have the option of smaller accommodation or taking the whole group with accommodation from 2 to 5 in the layout options. Essential Caravans have provided useful resources on their website so [you can ‘build your caravan’ with the online design tools](https://essentialcaravans.com/build-your-van/). They have colour selections and all sorts of options for you to consider. But as with the Jade [Caravan Finance Calculator](/loan-calculator "Access our convenient tool to calculate financing options for your caravan"), the resource is to be used as a guide only and final selection of how you would like your Essential Caravan set up, must be done in discussion with the dealer. ## Buying an Essential Caravan Have we whet your appetite for an Essential Caravan? Then it’s time to consider [Jade Caravan Finance](/ "Learn about the financing solutions offered by Jade Caravan Finance here") so you can place your order. While you’re designing your Essential you can also use the Jade ‘essential’ – our caravan finance calculator. This online calculator allows you to calculate a rough estimate of possible repayments on different prices for caravans from any device which has online access. Check it out on our webpage. ## Caravan Loan Options We provide loans for all types of caravans from all manufacturers. For caravans purchased for personal touring and holiday the [Secured Caravan Loan](/secured-caravan-finance "Discover the benefits of a Caravan Loan secured with collateral") is the most popular type of loan. This features: - Jade’s signature cheap interest rates - Fixed interest rates - Fixed repayments - Fixed loan term So you can essentially, set your caravan loan and head off on your touring. To be even more organised, speak with your Jade Caravan Finance consultant about pre-approved finance. We can source you a quote based on a caravan price range rather than a specific van and proceed through to approval stage. This gives you the confidence to proceed with ordering your Essential Caravan and working with their design team to create the layout that suits you. Essential will tailor your caravan and Jade will tailor your caravan loan to suit you, your caravan and your lifestyle. **To discuss finance for your caravan purchase, contact Jade Caravan Finance at 1300 000 003** **Categories:** Caravan Buying Articles --- ### [Sunland Blue Heeler](https://www.jadecaravanfinance.com.au/blog/caravan-articles/sunland-blue-heeler) **Published:** July 6, 2016 **Author:** Publisher **Content:** ## Durable, proven, extreme off-roader If you plan to go off the bitumen you need a caravan that is built for off-road use. Though there are different interpretations of ‘off-road’ by caravan manufacturers, Sunland describe their Blue Heeler model as an extreme off-road van and it has a proven record on the track. The Sunland Blue Heeler is proven as a dependable and well-built off-road van which is well-equipped with many features to support the adventurous for extended off-road travels. Sunland build their caravans to take on broken bitumen, gravel and corrugated dirt roads. ## Improved Features In the latest model Blue Heeler, Sunland have included several improvements including better ground clearance, improved insulation, more storage and better angles of approach and departure to tackle steeper water crossings and trails. The Blue Heelers is available in a new range of sizes, 18’ 6” up to 21’ 6”, with floor plans to cater for either a full sized queen bed or two single beds. Another new feature is the smart bi-fold table which can easily be converted to a bed. ## Well-Built and Well-Equipped The Blue Heeler gets its strength and durability from the lightweight composite materials used in the walls and the flooring and Sunland’s experience and commitment to build caravans which are suited to tackle the harsh Australian conditions. Fully welded box section aluminium construction is used for walls and floor with independent suspension and Raptor coating stone protection are all standard on the Sunland. The practical, lightweight construction allows for a greater payload so you can take all the things you need for an extended trip. Standard features are impressive including double-glazed windows, large capacity 184L fridge, 160L water tank capacity, 19” TV, air-conditioning, quality appliances for cooking and entertainment and state-of-the-art electronics. The timber cupboard finishes, lighting and wall treatment create a fresh, inviting and comfortable ambience inside the Blue Heeler. ## Clever Aussie Engineering Located in Caboolture in Queensland, Sunland Caravans is a family owned and operated business which exhibits plenty of Aussie innovation and engineering prowess. They don’t just assemble vans from purchased components, they manufacture many of their components including their unique chassis, which has an engineering rating for caravans of Off-Road 5, cabinetry as well as components which are exclusive to their brand. They specifically place very little plumbing and wiring under the van to minimise risk of damage to these facilities. Sunland have so much faith in their own manufacturing, which is done on-site in Queensland, they offer a 20 year warranty on the chassis. You can see the Sunland Blue Heeler and the other models in the Sunland Caravans range at their premises and at many of the caravan and camping shows throughout the country. If you want to go off-road in a caravan which is specifically built for that purpose, perhaps a Sunland Caravan is worth considering. Before placing your order, why not speak with a [Jade Caravan Finance](/ "Learn more about the financing solutions provided by Jade Caravan Finance here") Consultant to organise your finance. With access to many lenders, your Jade broker can provide you with a great caravan loan to suit your requirements. To receive an estimate on what your repayments may be, you can utilise our free online [caravan loan calculator](/loan-calculator "Caravan Lending Calculator"). [Contact Jade Caravan](/contact-us "Get in touch with Jade Caravan for inquiries and assistance") [Blue Heeler MY19 Off Road Caravan](https://sunlandcaravans.au/blue-heeler_bh_c3-2_19-6/ "Blue Heeler MY19 Off Road Caravan") **Categories:** Caravan Buying Articles --- ### [SLR Discoverer 2 1800](https://www.jadecaravanfinance.com.au/blog/caravan-articles/slr-discoverer-2-1800) **Published:** July 6, 2016 **Author:** Publisher **Content:** ## Purpose- designed and a great all-rounder The SLR name regularly appears in lists of the top off-road caravans and not surprisingly. The full range of SLR Caravans and Motorhomes is purpose designed, purpose engineered and purpose built for serious off-road travel, with plenty of features to ensure comfort is not compromised. And by off-road they mean challenging off-road tracks as well as corrugated dirt roads. A quick browse of the gallery of photos of SLRs in action on the company website will change sceptics to believers that this vehicles are the real deal. ## Specialised 4×4 Construction SLR specialises in off-road caravans and vans include a double braced monocoque chassis and frame design which is the frame welded to the chassis, Cruisemaster independent suspension as well as their composite fibreglass panels. The SLR Discoverer 2 1800 model a great size for off-road touring at 7.56 m overall length, 5.68 m external body length, 2.37 m external body width and approx. 2.95 m external height with a tare weight of 2750 kg. ## Well Appointed for Comfort The exterior of the SLR Discoverer 2 1800 makes an immediate statement for style and purpose. Stylish uptop and all business below. The 1800 has many features you would only expect in a larger caravan. SLR had not changed the floor plan of the 1800, but leading on from their success with an electric lift-up bed in their Explorer range, the re-configured the 1800 floor plan to create an amazing amount of additional space. Plenty of space to move and still enjoy a full rear-placed en-suite, an island bed and a large kitchen and dining set-up. A range of custom interiors are available to tailor the décor to suit your taste. The light colours used and the large sized windows, further enhance the spacious feel and contemporary style of the 1800. Serious off-roaders need to be self-sufficient and SLR have taken care of that aspect with their premium power and water systems, including solar panels, generator, large capacity water tanks and fridge-freezer. These systems are also power-designed to cater for travels into remote areas. There are multiple isolated water tanks for security and ease of refilling in difficult locations. The standard list of quality appointments is impressive and further options are also offered. ## Australian Owned Manufacturers [SLR Caravans and Motorhomes](https://slrvexpedition.com.au/) is a family-owned business, located on Queensland’s Gold Coast, which has developed an enviable reputation both here and overseas, as manufacturers of the ultimate in off-road caravans, motorhomes and expedition vehicles. All SLR vehicles are built to meet the specific requirements of their customers and all aspects of design and construction are constantly under development to ensure the latest technologies in both design and materials is utilised. If you want to explore the real Australia, going along tracks and paths rarely followed, then you need a serious vehicle to tackle the terrain. If an SLR Discoverer 2 1800 or any other models from the range grab your interest, speak with a Jade [Caravan Finance Australia](/ "Explore caravan financing options in Australia here") Consultant to discuss a [great caravan loan](/loans "Discover excellent caravan financing options here") deal. With access to many lenders, your Jade broker can provide you with a great caravan loan to suit your requirements. To receive an estimate on what your repayments may be, you can utilise our free online [caravan loan calculators](/loan-calculator "Access our caravan financing calculators for accurate estimates"). **Categories:** Caravan Buying Articles --- ### [New Age 16’ Gecko](https://www.jadecaravanfinance.com.au/blog/caravan-articles/new-age-16-gecko) **Published:** July 6, 2016 **Author:** Publisher **Content:** ## Small Package, Big Enjoyment New Age is one of Australia’s fastest-growing caravan manufacturers, and the Gecko is one of their most popular choices. The Gecko model offers 16’ Ensuite and 16’ Deluxe options with rear door entry and is loaded with features, so you don’t have to sacrifice luxury in these small category offerings. The compact design embraces the apartment style’s signature New Age look, with contemporary interiors, streamlined layouts and several options throughout the selection, including a five berth version with 2-to three bunk beds and the standard drop-down front bed. ## Specs The Gecko is a traditional aluminium sheet cladding and Meranti timber frame design, set on a Preston RHS Duragal steel chassis with leaf spring suspension, beam axle, 10” electric brakes, 15” alloy wheels, light truck tyres, and Ezy lift drop jacks. Two 4.5kg gas bottles are standard and fitted up-front. The 140-litre capacity poly water tanks are gal-protected and located underneath. External storage is provided in a front tunnel boot; a security door is included, as is a manual pull out step for access. ## Interior Snapshot With an interior height of 2030 mm, headroom is suitable for a small sized van and stepping in, you take in the compact but stylish and extremely liveable interior. Various décor colour and fabric options are available, all embracing a contemporary neutral palette. The kitchenette is a good size and well-equipped with a 90L fridge standard, a gas cooktop, microwave and plenty of storage. Large drawers plus under-sink cupboards and overhead lockers should be plenty to store your cooking requirements. The four seater, upholstered dinette is compact, has a fixed table, and has overhead storage. The caravan queen-sized, fold-down bed at the front is easy to set up and of solid construction. Some larger Gecko models include additional bunk beds to increase accommodation from 2 to 5. The ensuite is also well-equipped with a separate shower and tool, ceramic vanity basin, exhaust fan and good storage. A washing machine is not standard on the Gecko. Air Command air conditioning is standard on the Deluxe but an option on the Ensuite version. ## Compact Functionality New Age has combined functionality and durability in the entry-level Gecko to offer the market an affordable holiday caravan with essential luxuries. New Age only entered the market in 2009 and has achieved exceptional success quickly with their modern styling, innovative design and commitment to R&D to enable their talented team to convert ideas into reality. New Age caravans are available from dealers throughout Australia and are backed by a top quality customer service team. If you want to move into a new age of caravan with the New Age Gecko, then Jade [Caravan Loans](/loans "Explore financing solutions for your caravan purchase") is here to assist you with an excellent caravan finance package. The size of the caravan doesn’t matter to Jade; we offer finance for the full range of [caravans, camper trailer finance](/camper-trailer-finance "Caravan and Camper Trailer Finance Options") and RVs for on-road and off-road use. As experienced caravan loan brokers, we are not locked into dealing with one bank or lender. We have access to loan products from over 40 lenders, so we can hand pick the product that is best suited to your requirements, head over to our [camper trailer loan calculator](/loan-calculator "Access our convenient tool for calculating financing options for camper trailers"). https://newagecaravans.com.au/our-products/caravans **Categories:** Caravan Buying Articles --- ### [Roadstar GT Sport](https://www.jadecaravanfinance.com.au/blog/caravan-articles/roadstar-gt-sport) **Published:** July 6, 2016 **Author:** Publisher **Content:** ## Quality construction heritage The Roadstar GT Sport offers an affordable van for on-road holidays in a range of sizes, layouts and models to suit a getaway for two or a family vacation. Australian owned and run and operating for decades, Roadstar is a brand which has become synonymous with quality construction and innovation and the new GT Sport is a great example. The GT Sport layouts start with the compact 16’6” which suits vehicles with a towing capacity of 2.1 tonnes, then there is the 18’6” and 19’0” spacious family layouts. All designed with plenty of comfort features for a very enjoyable holiday. ## Tech Specs The Supagal chassis is at the heart of the Roadstar GT Sport, lightweight and strong with 15” alloy wheels. Suspension is the Dexter TORFLEX independent system, which has unique componentry which provides superior characteristics to leaf spring axles. A special feature of the Roadstar range is the protection provided by their specially developed Novatio MS polymer adhesive sealant. ## Contemporary Comfort Inside, the [Roadstar GT Sport](https://www.caravancampingsales.com.au/items/roadstar/gt-sport/caravans-category/), even the compact model has a spacious, roomy feel, thanks to the light colour palette interior finishes, generous headroom and clever layout. All cabinetry is quality – made from ply not MDF or chipboard! Double-glazed Euro style windows and overhead hatches maximise natural light while cleverly placed soft glow LED lighting illuminate the GT Sport at night. All windows have mesh screens and block out blinds. The lounges are finished in a choice of either Annahide bonded leather or your choice of fabric. The kitchen is a blend of function and style with laminate splashback, four gas burner stove, grill and microwave, stainless steel range hood and laminated stove cover to provide extra bench space when required. Large fridge is included. The entertainment facility is equipped with remote controlled MP3/CD sound system and 22” HD TV with a DVD player. The bathroom is efficient and stylish with ceramic vanity bowl, Thetford toilet bowl, separate shower cubicle and plenty of storage. Washing machine is standard on some models and an extra on others. Standard inclusions are 100 amp battery, air conditioning, 2 x 95 L water tanks, flicker mixer taps, exterior awning, marine hatches fitted to all exterior compartments and Roadstar’s care and craftsmanship. ## Proudly Australian Roadstar Caravans are a well-respected Australian caravan manufacturer, with a reputation for innovation, setting new benchmarks for construction and quality craftsmanship – both inside and out. Roadstar is based in Melbourne and has a dealer network across Australia and offers a 24/7 road assist service. If you want to be a star on the road with your own Roadstar GT Sport or explore options like [Micro Caravans Australia](/blog/caravan-articles/when-size-matters-small-and-micro-caravans/ "Exploring Micro Caravans in Australia"), then let Jade Caravan Loans make your star shine with a great caravan finance deal. We’re fast & easy finance brokers with extensive experience in sourcing great [caravan finance deals](/ "Discover special offers on caravan financing") for the caravan and RV sector and we have access to hundreds of [caravan loan](/loans "Explore financing solutions for your caravan purchase") products so we can select the one which best suits your individual requirements. > [GT Sport](https://roadstar.com.au/caravans/gt-sport/) **Categories:** Caravan Buying Articles --- ### [Millard Toura 2100 CD](https://www.jadecaravanfinance.com.au/blog/caravan-articles/millard-toura-2100-cd) **Published:** July 6, 2016 **Author:** Publisher **Content:** ## Neat, Comfortable Mid-Range [Millard](https://millardcaravans.com.au/ "Visit the official Millard website for more information") is one of the best-known names in Australian caravanning with over 70 years in the business. Enough time to know what Australians want in a van and they have delivered a great, well-priced package with their new look Toura. The Toura is a versatile model in the two people range, especially in terms of broad appeal, with options from 17’6” single axle to the 22’ tandem bunk model. ## Comfortable and Appealing The Millard Toura 2100 is a full-height van and offers a very comfortable, functional and appealing van with contemporary décor, well-considered storage options and some surprising features. In particular the kitchen, which appears to be designed by someone who actually likes to prepare meals while on the road. For a start there is a lot more bench space for food preparation than you get in most vans of this size and a good amount of storage. Equipment includes a grill, cooktop and microwave and reasonably large Dometic fridge/freezer. Floor space in the kitchen/dining area is optimised with a tri-fold table in the two-seater dinette, making food prep more comfortable. More pleasant surprises await in the rear-positioned bathroom which is also extremely spacious. Items of note include a separate shower cubicle, large vanity mirror, ceramic sink and a washing machine stored under the vanity bench. ## Specs In quite acceptable white ribbed aluminium sheeting with fibreglass roof, the Toura is a pleasant looking van and built to handle the tarmac with ease. Two x 95L water storage tanks, hot-dipped galvanised chassis, Cruisemaster trailing-arm independent suspension, solid drawbar, 100Ah AGM battery neatly stored in its own checkerplate box, water tanks protected and the rest of the underside neatly set out and clear to minimise damage. On the exterior: picnic table, large front tunnel boot, good LED lighting, external power and TV connections are worth noting. On the inside: the bedroom is set front in a streamlined layout. The bed is 1900mm x 1550mm with large windows on both sides, easy movement around the bed and a generous amount of LED reading and general lights. Once again, plenty of storage with hanging wardrobes, above bed lockers and bedside tables included. Air-conditioning is standard as you would expect. The Millard Toura 2100 is definitely a comfortable package and well-priced to appeal to those looking to enter the market, with looks that won’t date. A range of optional accessories and extras is available including leather upholstery. ## 70 Years of Experience Millard is one of the oldest manufacturers in the Australian caravan industry and the only Sydney-based manufacturer. They sell through a dealership network, offering a range of models including off-road, budget, slide-ons and their top of the range Grand. If you would like to take a Millard Toura on a tour of your own, speak with a Jade [Caravan Finance](/ "Explore financing solutions for your caravan purchase here") Consultant to organise a great caravan loan for you. Jade Caravan Loans is an easy finance broker, with specific knowledge and expertise in sourcing great finance deals for caravan loans, RVs, campers, and other recreational vehicles. They can also provide guidance on [caravan repayments](/loan-calculator "Learn more about caravan payment options") to ensure you understand your financial commitment. Your Jade consultant will handle all the details of the loan process for you, so you can concentrate on planning your first trip in your new Millard Toura. **Categories:** Caravan Buying Articles --- ### [Retreat Caravans Hamilton Offroad](https://www.jadecaravanfinance.com.au/blog/caravan-articles/retreat-caravans-hamilton-offroad) **Published:** June 30, 2016 **Author:** Publisher **Content:** ## One of the best all round vans The Hamilton range from [Retreat Caravans](https://www.retreatcaravans.com.au/?utm_source=G&utm_medium=Ad&utm_campaign=retreat "Visit the official Retreat Caravans website for more information") is considered by many, one of the best all round caravans on the market with all major factors including price, taken into consideration. The tandem axle Hamilton is available in two models, the 22’ front boot model and 20’6” model without the front boot. It can be set up with the semi off-road options or with your choice of either of the Outbacker options: Rugged Outbacker Pack, Extreme Outbacker Pack and Ultimate Outbacker Pack, which as their names imply, have varying range of extras depending on the trails you wish to travel down. ## Around the Country in Comfort Retreat offers 8 floor plans to choose from for the Hamilton. The main variations being in either queen sized bed or two single beds; dinette and angled kitchen. Retreat vans are built for Australian conditions, starting with the chassis which features rocker suspension, a 4” by 2” A-frame with G & S support bar, mesh on the A-frame, one piece flooring and a 2” raiser. A solid frame structure sits atop the chassis with impressive exterior features including Stucco aluminium. The tunnel or front boot is galvanised, the wall and roof has full insulation, checker plate or ally panel sides, the grab rails are stainless steel and for comfort fly net and blinds on the winds, a roll out awning and convenient exterior picnic table are included. Step inside from the centre door entry and you quickly appreciate the spaciousness in general and the generous super sized shower, separate toilet and conveniently placed washing machine in the en suite. Seat bases are fully upholstered, you have full height head bump, extensive storage and shelving and comfortable innerspring mattress beds. On the electronics side, the Hamilton is equipped to cater for your requirements while away on an extended tour with 155 W solar panel, 100 amp battery and battery pack, 184 L fridge, gas/electric oven, air conditioning, range hood, LED tail lights, external marine grade speakers, entertainment centre with DVD, CD, radio, TV with digital antenna and both external and internal TV plugs. Plumbing-wise, the pipes under the van have protection, a 95 L water tank is standard, as is a water filter, premium tapware, an external shower as well as internal, large fibreglass shower and a quality ceramic toilet. Cooking is a pleasure with good sized kitchen with plenty of bench space and a pull-out pantry and relaxing is more than enjoyable with comfortable upholstered seating. ## Retreat with the family Retreat Caravans is a family owned and operate company, sharing the passion of many Australians to travel beyond the main roads in independent comfort with a durable and safe caravan. The range of 14 models have a trademark quality and robust construction with one piece flooring and solid frame structures topping a rugged chassis. Located in Campbellfield, Victoria, Retreat Caravans have a sales dealer in each state and the warranty and after-sales service apply on a nationwide basis. If you think it’s time you retreated into a Hamilton model from Retreat Caravans, then speak to a Jade [Caravan Loans Approved](/loans "Discover caravan financing approvals here") Consultant to organise your loan. Why not speak to us before you head to the dealership to organise a pre-approved loan and use the convenience online [caravan finance calculator](/calculator "Access our handy tool for calculating financing options for caravans") to get an estimate of your monthly repayments so you can tailor the options to suit your budget. **Categories:** Caravan Buying Articles --- ### [On the Move Grenade Series](https://www.jadecaravanfinance.com.au/blog/caravan-articles/on-the-move-grenade-series) **Published:** June 30, 2016 **Author:** Publisher **Content:** ## Product Showcase: On the Move Grenade Series Award-winning Aussie design On the Move is an innovative, Australian caravan manufacturer with a commitment to creating somewhat different on the caravan. The business partners, Lennie and Jennifer Mifsud, have achieved great things in a short time on the scene, including winning Caravan World Best Aussie Vans award in 2014 with their Grenade Series II. The Grenade was designed as a smaller version of their highly successful No Limits model and in so doing, provide a lighter van which would suit more travellers and reach more off-road locations in comfort. ## Upgraded to Award Winner The On The Move Grenade Series II is an upgrade of the Series I and is available in sizes from 19’6” to the 23’ slide out model. The exterior appearance has the strong lines and finish of a serious off-road van. The Grenade is built from a Supergal heavy duty chassis, has a 3.7tonne Cruisemaster suspension with 2 shockers per wheel. The Series I has the Hylander 360 tow hitch and the Series II the DO35. The standard specs equip the Grenade to satisfy the most discerning off-road traveller with double glazed windows, aluminium or composite cladding, checkerplate body armour on the front, rear and sides, triple lock security door and dual roof hatches. Just one of the innovative features on the exterior is the slide out kitchen. The Series II has four solar panels, 45 amp solar regulator, dual batteries, battery charger and electronic stabilising control. The interior showcases Jennifer’s experience as an interior designer in a contemporary design with exceptional attention to added touches and features for both convenience and comfort. 215 L compressor fridge, top loader washing machine, leather lounges some with footrests, orthopaedic bed frame, queen sized bed, block out blinds and fly screens and plenty of storage everywhere you turn. The bed has gas struts to easily lift up to access the under bed storage. The bathroom is stylish, spacious and more than functional with added touches of luxury. The water tank capacity is generous with two 95 litre tanks with a separate pump to the sink, shower and basin plus a 95 litre tank installed with a filtration system for the kitchen sink and a 95 litre grey water tank. ## Getting On The Move [On The Move Caravans](https://www.onthemovecaravans.com.au/our-range/ "Explore the offerings from On The Move Caravans on their official website") are located in the in the caravan precinct of Campbellfield in Victoria and the range is available through dealers in a number of states. The full range of On The Move caravans includes the off-road versions such as the Grenade Series, semi-off road, on-road and toy haulers. If you think it’s time you got On The Move in a Grenade Series II off-road caravan, speak with a Jade [Caravan Finance Consultant](/ "Connect with experts in caravan financing consultation here") to discuss a great caravan loan. With access to many lenders, your Jade broker can provide you with a great caravan loan to suit your requirements. To receive an estimate on what your repayments may be, you can utilise our free online [caravan loan calculator](/loan-calculator "Access our convenient tool for estimating financing options for caravans"). **Categories:** Caravan Buying Articles --- ### [New Age 20 ft Commando Series](https://www.jadecaravanfinance.com.au/blog/caravan-articles/new-age-20-ft-commando-series) **Published:** June 30, 2016 **Author:** Publisher **Content:** ## Take command off the road The New Age Commando Series is a serious contender for those wanting to explore in an off-road direction but the only ‘roughing’ it they want to deal with is the road conditions. Considered by many to be the ultimate in off road caravans for build quality, accommodation and above all, ability and performance, the Commando has been become extremely popular with those heading off on longer trips. A 20 ft off-road caravan set to take the adventurous on extended explorations in comfort. ## Equipment and Features The first thing you notice on the Commando is the distinctive colour scheme and graphics design, which is perfectly on message with the name. Not easily seen but clearly obvious in performance, is the armoured platforms underneath, considered one of the best on the market. Heavy-duty checkerplate protection is given to everything underneath including the all-important gas lines and water tanks. Alko IRS suspension is standard as is Alko ESC and the ATS tracking system. Other standard features on this not so standard caravan, include 120 w solar panels; large fridge; DVD player; 24” TV; air-conditioning; galvanised sheeting under the flooring; generator box and jerry can holders mounted to the A frame. The no-nonsense looks are in contrast with the comfort inside the Commando, with an interior where function and style happily co-exist. Sleek lines with a sensible floor plan which not only creates a spacious feel but actually is spacious and easy to move around in. The en-suite is particularly impressive with separate enclosed shower, extensive bench space and cupboards and wall-mounted front loader washing machine built it, which saves floor space. The kitchen is well appointed with top end appliances and very workable layout. The sleeping area is quite luxurious and throughout, plenty of cupboards and storage which have been cleverly yet stylishly installed. Outside has not been overlooked with an external shower and speakers and a BBQ with gas bayonet. The Commando 20 series will take total command of your off-road life The Commando 20 Series is another impressive addition to the New Age Caravans line up which covers a comprehensive collection of caravans of varying styles and sizes to suit just about everybody. The company started in 2009 and have maintained their original commitment to keeping abreast of and leading in technology and the latest construction techniques. A commitment which has seen New Age Caravans continue to deliver caravans that the modern buyer wants – five star comfort and affordable quality, in both on road and off road models. Engineered and built to suit Australian conditions with superb safety, comfort and luxury throughout. The company operates a state of the art facility in Epping, Victoria, building their range right here in Australia with two factories, employing over 130 people and producing over 1,000 caravans per year. Remember Jade does [Caravan Finance Australia](/ "Explore caravan financing options available in Australia") wide If it’s time for you to command the off-road and purchase a New Age Commando 20 Series caravan then it’s time to talk with a Jade Caravan Loans Consultant to organise your loan. Why not speak to us before you head to the dealership to organise a [pre-approved caravan loan](/approval "Learn more about getting your caravan loan pre-approved here") Contact Us on 1300 005233 **Categories:** Caravan Buying Articles --- ### [Product Showcase: Lotus Trooper](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-lotus-trooper) **Published:** June 24, 2016 **Author:** Publisher **Content:** The [Trooper Range](https://www.lotuscaravans.com.au/caravans/trooper "Discover the Trooper Range from Lotus Caravans") from Victorian based Lotus Caravans Vans is considered by many as one of the best off-road vans available. From the outside the rugged exterior instils confidence that this van can take you places that others have never been. Step inside, and you could be excused for thinking you are in a luxury apartment. This is a sophisticated range for those who don’t want to compromise on style or quality. The Trooper is available in 18’, 19’, 19’6”, 20’6”, 21’ and the top of the range 21’6” model. The 21’6” layout features an en suite bathroom position and the other lengths, a bathroom at the end layout. Each is extremely well set-up with the standard features but can be customised to suit specific purposes and optional extras are available. ## Rugged Construction Lotus Caravans build all their vans on-site at their purpose-built facility in Campbellfield, Victoria. The only structural elements that are built off-site are the chassis and the flooring. Chassis and flooring are only structural elements built off-site. Walls, exteriors, interiors, plumbing, electricals all done at the Lotus purpose-built facility in Campbellfield, Victoria. Features include hot-dipped galvanised chassis, 3.45 tonne control rider suspension, underbody armour and one piece floor. ## Contemporary Interiors Step inside and into a world of contemporary style and living. The massive windows not only give you the feel of bringing the outdoors in, they also create an even more spacious feel and can be easily covered with the Roman blinds. The sensible layout with centre walk through allows easy access throughout. Features include leather lounges with head and foot rests, gloss finishes, vinyl flooring, high quality laminate benchtops, soft-close drawers and tri-fold table. The bedroom and bathroom would not be out of place in a new apartment development. The queen sized bed has a slatted frame design on gas struts and inner-spring mattress. The bathroom is style plus practicality with extensive cupboards and storage. The Trooper is built for extensive touring and has two 150W solar panels and two 120 amp batteries, two 95 L and one 62 L water tanks, LED lighting throughout and a heap of thoughtful and practical inclusions both inside and outside. ## Exceptional Detailed Quality Established in 2004, Lotus Caravans has developed an enviable reputation for exceptional attention to detail and the highest standards of quality in their hand-crafted vans. Each van is individually designed to order and built by expert and experienced technicians, trades and craftsmen. Built in Australia with world class quality in design, reliability, ruggedness and comfort. The Lotus Caravans factory is available for tours and the range can be ordered through dealers throughout Australia. If you’re caravaning dreams include traveling to places beyond the well-worn route and highways, a Lotus Trooper will take you off-road without leaving comfort and style at the turn off. If you’re interested in purchase a Lotus Trooper or one of the others in the range, speak to a Jade Caravan Finance Consultant to organise your caravan finance. Your Jade [caravan finance broker](/ "Your Caravan Finance Broker for Hassle-Free Funding") will handle all the details for you from your initial loan enquiry through to financial settlement, or use our check our [caravan financing rates](/interest-rates "Explore Affordable Financing Options for Caravans"). **Categories:** Caravan Buying Articles --- ### [Product Showcase: Jayco Base Station Outback](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-jayco-base-station-outback) **Published:** June 24, 2016 **Author:** Publisher **Content:** ## Caravan with garage When you’re planning an extended trip to parts known and unknown, you want to have plenty of your own gear and ‘toys’ with you to play with and enjoy on arrival. The Jayco Base Station Outback is on your wavelength, as essentially a caravan with a garage built-in. The Base Station comes under the Toy Haulers category in the [Jayco range](https://www.jayco.com.au/range/toy-haulers/basestation/ "Discover the extensive Jayco model range") and both descriptions are perfect for this home away from home. A large top end caravan with space separated from the living area to house your mountain bikes, dirt bikes, your surfboards and skis, perhaps kayaks and plenty more with drop down ramp for easy drive in and out access. Sleeps up to eight so all the mates can come along to enjoy the fun and equipped with the Jayco Outback package, you can head off-road with ease. ## Models and Floor Plans There are two models in the Base Station Range, 21 ft and 23 ft with slightly different floor plans. Clever design includes fold down bunks to allow more room for ‘toys’ during the day and plenty of storage from end to end. ## Built for Endurance Jayco are renowned for durable, well-built vans with their signature Endurance Chassis which is lightweight, yet strong and hot dipped galvanised. The walls are Jayco’s proprietary fully insulated Tough Frame construction which is both hail and dent resistant and the company’s innovative JTech Suspension is of course standard issue. Safety features include off-road brake magnets, electric brakes, tow secure emergency brake unit, external triple lock door and optional electronic stability control device. ## Functional Interior Inside is practical and functional with enough inclusions to make for a very comfortable trip. The centre positioned bathroom allows for easy access from both sleeping zones and includes a modern enclosed shower with an exhaust fan. The dining area is spacious enough to cater for all aboard with comfortable, upholstered, highly durable seating. The standard inclusions kitchen is well equipped with cooktop, fridge, microwave and rangehood with optional extras available. Two 82L water tanks, tinted double glazed windows, 120W solar panel and roof mounted air conditioning are all standard on the Base Station with Outback pack. ## Generations of Memories Jayco has been providing Australian families with generations of great holiday memories for over 40 years. With their [rent to buy caravans](/caravan-lease "Find your dream caravan: rent now, buy later") option, they have continually expanded their range to cater for growing interests and expanding markets. The Base Station fills the market for part caravan, part mobile home and part garage on the go and suits both personal holiday use and business and industrial purposes. The Base Station Outback caters for the adventurous, who love the outdoors and want to take just about everything with them! If you want to haul your toys on your next adventure and are considering a Jayco Base Station Outback, then talk to a Jade [Caravan Finance](/ "Click here for caravan funding options") Consultant to organise a great caravan loan. Your Jade caravan loans broker will handle all the details for you from your initial enquiry through to settlement. Contact Us **Categories:** Caravan Buying Articles --- ### [Product Showcase: Goldstream RV Pop Top Panther Series](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-goldstream-rv-pop-top-panther-series) **Published:** June 24, 2016 **Author:** Publisher **Content:** ## Capable, off road luxury Goldstream RV build an impressive range of Pop Tops, Caravans and Campers and the Pop Tops with the their top of the range Panther Off Road package offer all the rugged features of an off road van with the convenience of a pop top design. The Goldtream RV Pop Top is available in a Mini 1200 Series, Explorer 1400 Series and the 1760-1860 Series and all can be set up with the Panther Package. Each series offers a number of layouts and different combinations of features and all with off road capabilities. ## Explorer 1400 Focussing on the Goldstream RV Explorer 1400 Series as a mid-range selection, the total length with the Panther Package is 6.22m, width 2.27m, height 2.45m and approx. tare 1750kg. Two layout options are available, with and without en suite, with all the inclusions you expect in a much larger van but in a more compact yet highly capable package. The Panther Package equips the Explorer 1400 for serious off road adventures with heavy duty axle and shockers, cool independent suspension and laminated galvanised floor which enhance the standard aluminium body and roof frame and composite aluminium panels. Air-conditioning, two roof mounted solar panels, two jerry can holders, double glazed windows with block out blinds, stone guard protector, Redarc battery management system, checker plate body protection, roll-out awning, picnic table, 106L fridge, high gloss furniture and an upgraded gas and electric HWS. All adding to the already impressive standard features such as two 80L water tanks, shower and toilet combo on the ST model, three burner stove, microwave, range hood, innerspring mattress and easy roof lifters and struts. For security, a triple lock door security door is standard. Also standard are the good looks and touches of luxury from the contemporary styling both exterior and interior. The sleek kitchen cabinetry is both stylish and functional and for a pop top, there is plenty of storage provided in all areas. A good selection of colour schemes and upholstery is available to choose from. ## Australian Owned and Made [Goldstream RV](https://www.goldstreamrv.com.au/ "Click here to view Goldstream RV models") is a 100% Australian owned company and builds all their caravans, campers and pop tops in Australia at their impressive factory facility. They have 23 years of experience and utilise state of the art machinery and high quality materials in their construction processes to ensure quality of design, build and workmanship. Goldstream create a flush contemporary look and high quality finish on their custom built furniture thanks to their CNC and edge banding machines. With their [new caravan finance](/new "Learn about our new caravan financing deals") options, it’s just part of the machinery technology used to build every Goldstream RV product. Goldstream RV has dealerships across Australia for both sales and after-sales service support. Why not speak with a Jade [Caravan Financing](/ "Discover affordable caravan finance plans") Consultant to organise your pop top finance on a Goldstream RV Explorer Pop Top or any of the other models in this range of Australian made caravans. You are welcome to speak with Jade prior to ordering to confirm a pre-approved loan so you have your budget set before committing to the purchase. Contact Us or Get an online Caravan Loan Quote Here **Categories:** Caravan Buying Articles --- ### [Product Showcase: Trakmaster Pilbara](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-trakmaster-pilbara) **Published:** June 7, 2016 **Author:** Publisher **Content:** ## Tough built for remote area travel [Trakmaster](https://trakmaster.com.au/off-road-caravans/pilbara/ "Browse through our Trakmaster caravan selection") has been building caravans since 1995 and the mid-range Pilbara series is a great example of their workmanship in building vans with outstanding off-road capabilities. The Pilbara is available in a range of sizes, from 12’ 6” to 20 ft in both poptop and full height models and all vans are custom-built with extensive consultation with buyers regarding their specific requirements. ## Built for Off-Road With the Trakmaster unique one piece off road chassis design, the Pilbara has an increased ground clearance compared with earlier models and the company’s trademark steep angled rear end for ease of travel on steep terrain and departure from deep crossings. The Pilbara has the same CFP wall structure as some of the other Trakmaster models, which is fully-insulated and impact resistant – ideal for travels in rough terrain. It features their independent trailing arm coil spring suspension system, heavy duty bearings, large bore shock absorbers and cyclone tie-down points as standard issue. The exterior styling is distinctive with a range of graphics available to suit the individual. Roll-out awning, jerry can holders, heavy duty sealed wheel arches, large front boot and side external storage and double glazed windows. ## Interior Style Buyers can customise their Pilbara interior with choice of several floor plans as well as choosing laminex, curtains and colours for the custom-built timber cupboards. With natural wood-grain finishes, the interior has a spacious feel, which can be enhanced by the optional skylight, but a gas strut assisted lift up bed base with innerspring mattress bed, cupboards lined with non-slip material, main pressure to the kitchen sink and 90L fridge all standard features. The look is contemporary and comfortable with a quality edge and thoughtful appointments. Essentially, everything you need for an extended off-road adventure in comfort. ## Masters of the Track Since appearing on the caravan scene in 1995, Trakmaster has seen impressive growth, thanks to a growing customer base who appreciate the high quality manufacture, sturdiness, and reliability of the Trakmaster range. The company has upgraded to larger premises over the years and, with their [camper financing](/camper-trailer-finance "Learn about our camper financing deals") options, currently has impressive manufacturing facilities in the caravan and RV hub at Bayswater in Victoria. The Trakmaster range of custom-built caravans offers versatility with pop tops and full height caravans, built to either standard on-road or the specialist off-road specifications. Optional upgrade packages are available, especially for off-road, such as the Platinum. All Trakmaster models include independent suspension and the company is very proud to have pioneered the trademarked TrakAir® airbag suspension, which is an adjustable-pressure air suspension. If you would like to become a master of the track, the off-road track that is, in a Trakmaster such as the Pilbara, speak with a Jade Caravan Finance Consultant about [caravan loans Australia](/ "Discover the best caravan finance options in Australia") to organise your finance. You are welcome to speak with Jade prior to ordering to confirm a pre-approved caravan loan so you have your budget set before committing to the purchase. **Categories:** Caravan Buying Articles --- ### [Product Showcase: Evernew Caravans E1000 & E1000i](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-evernew-caravans-e1000-e1000i) **Published:** June 3, 2016 **Author:** Publisher **Content:** ## 50+ years of experience With over 50 years of experience manufacturing caravans in Australia, it’s no wonder that Evernew Caravans continually appear in top favourites and listings in leading industry publications. The top of the range E1000 Deluxe series and E1000i the Deluxe model with independent suspension, bring all the Evernew expertise together in great caravans which are more like a home away from home. ## Extended Family Enjoyment The E1000 is a large 20 ft plus, family sized van with plenty of space and creature comforts plus practical inclusions to cater for long holidays. Every Evernew caravan is individually designed and manufactured and buyers have a choice from a number of layouts and materials. The construction is uniform with heavy duty chassis, wooden frame and coil suspension and the very generous standard inclusions such as separate shower and toilet, extensive bench top space, large 186L fridge, cooktop, stove and grill and spacious sleeping and living areas. ## The All Road Caravan The E1000i is the Deluxe 22’6” model with heavy duty independent suspension and includes the full range of Evernew options to take you away in super comfort on all roads and is set up for off-road touring. The van features extensive galvanised iron work and shielding underneath for protection on rough roads and has plenty of power sources including two 150W solar panels and a large 395L water tank and other options for independence on the road. Inside the style is, as the brand implies ever new. The old style classic interior gives way to sleek contemporary style with choice of either white gloss or Tasmanian Oak cabinetry, soft neutral interiors and even a mirrored wardrobe which gives an even more spacious feel to this already large van. The full size ensuite is equipped with washing machine, shower separate from the china bowl toilet, high quality china vanity and plenty of storage. Storage, both inside and out is a great feature of the E1000i especially conveniently placed on the exterior with a front tunnel boot and several other compartments to stow outdoor furniture and toys. With a 700 kg payload, the E1000i allows you to take everything you need for an extended time away. A comprehensive range of electronics and entertainment items are included. ## Built for Purpose [Evernew Caravans](http://www.evernewcaravans.com.au/ "Discover Evernew Caravans' exceptional lineup") are based in Heidelberg Heights in Victoria, were founded in 1963 and have been run by the same family for the entire 52 years. Their range of caravans include all the expertise and knowledge acquired through this experience but also include features which have derived via feedback from customers. Evernew Caravans offers a free design and quotation service. If you can see yourself in an Evernew Caravans E1000 or E1000i series, they do attract a premium price so you may need to source a great caravan finance package. Speak with a Jade Caravan Finance Consultant about [caravans on finance](/ "Start your caravan ownership journey with our finance") either before you talk to Evernew to get an idea of budget, and then you can have the manufacturer design your van to suit your budget and touring expectations. Your consultant will offer you great caravan finance and even a pre-approved loan if required.Your Jade caravan loans broker will handle all the loan details for you from your initial enquiry through to loan settlement. [Contact Us for Caravan Loans](/contact-us "Contact our team for caravan loan inquiries") **Categories:** Caravan Buying Articles --- ### [Product Showcase: Bushtracker 14’ Pop Top](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-bushtracker-14-pop-top) **Published:** June 3, 2016 **Author:** Publisher **Content:** ## Customised self-sufficiency The Bushtracker Pop Top is a compact range of off-road caravans with lower height and narrower width to suit bush tracks. The range includes a 14’ and 15’, single or tandem suspension, with all the standard Bushtracker features for rugged, reliable off-road performance. All [Bushtracker caravans](http://www.bushtracker.com/) are built to provide self-sufficiency to the traveller, to empower and enable the more adventurous to get off the regular trail, off the map and off the grid with full independence. ## Custom Design and Build The Pop Top range are some of the smaller vans in the Bushtracker range but are not small on any of the trademark features. All Bushtracker vans are custom built to order and while your chassis is being built, the company spend a lot of time with customers discussing their layout and design. There are a number of suggested layouts presented with options including foregoing the en-suite to include additional bunks; option of an outdoor kitchen to allow more living and sleeping space inside; layouts to suit different bed sizes – king, queen and singles; as well as options for café dining or centre dining. The Bushtracker team discuss with customers their preferences and lifestyle, their wants and don’t wants in order to come up with the perfect layout to suit their caravanning style. Customising interiors is also provided, with your choice of contemporary or traditional timber and choice of cladding finishes. ## Unique Engineering Before considering the interior, the most important features on an off-road pop top are what’s happening underneath and Bushtracker vans feature many unique areas of engineering. These include a fully off-road chassis with dual protection and independent load sharing suspension. The box aluminium frames are made to aircraft quality, with double rivets and welded and all corners through-bolted and the approach and departure angles are cleverly considered to tackle steep terrain and water crossings. Construction is dust proof, incorporates marine grade materials and unique water-tight door designs. ## Practical and Self Sufficient The Bushtracker Pop Top includes many practical inclusions and design features to ensure self-sufficiency such as user friendly water systems with potable and non-potable systems, leading electronic power systems including deep cycle battery and solar ready electricals and a new type of armoured water tanks to ensure safety. Just some of the extensive list of standards on the Bushtrack Pop Top. The 14’ Pop Top is compact but is certainly rugged and built to provide the owner with the freedom to go just about anywhere, easily, in comfort and with safety. ## Bushtracker On Track Bushtracker Caravans are built in Australia at the company’s facility located in Kunda Park in Queensland. Here they not only build great off-road vans, they also conduct extensive research and development to plan even better vans for the future. While [jayco finance](/motorhome-loans "Find the perfect loan for your Jayco purchase") caters to another segment of the caravan market, Bushtracker invite buyers to visit the factory, and see first-hand, the skill, effort, and expertise that is involved in building every van. If your caravan plans are taking you offroad, speak with a [Jade Caravan Finance](/ "Invest in your dream caravan with Jade Caravan Finance") Consultant to organise your finance on a Bushtracker Pop Top. Why not speak to us before you head to the factory to organise a [pre-approved caravan loan](/approval "Get your caravan loan pre-approval today") and don’t forget to include allowance for the optional extras. Contact Us at Jade on 1300 005233 **Categories:** Caravan Buying Articles --- ### [Product Showcase: Trakmaster Kimberley Platinum](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-trakmaster-kimberley-platinum) **Published:** March 5, 2016 **Author:** Publisher **Content:** ## Explore the outback in style The Kimberley is one of the most versatile vans in the [Trakmaster range](https://trakmaster.com.au/off-road-caravans/ "Explore Trakmaster's product offerings"). A medium sized option which is available in 14’6” x 7, 14’ x 7’, 15’ x 7’6” and 15’x 7’ floor plans. The Platinum specification package is a top of the range level of features which can be applied to several models in the Trakmaster range including the 14’ and 15’ Kimberley Pop Top vans. The combination, the Kimberley Platinum, merge seamless to create a strong and robust off-road van to take you into the outback in stylish comfort. ## Specs and Features The Kimberley Platinum Pop Top regularly appears in the best off road van lists as it is built strong to tackle the rugged outback and loaded with practicality and convenience without compromising comfort. The Trakmaster chassis and suspension included on all the off road models, is manufactured to withstand the level of impact and conditions of rugged environments such as the Australian outback. It is a medium sized van which is available in either a single or tandem axle configuration and all Trakmaster vans are custom-built so buyers can set up their van to specifically suit their requirements. Trakmaster have built a reputation for really understanding what off road travellers want and need in their caravan and this plays out in the standard list of specs on the Kimberley. Standard features on the Kimberley include aluminium external cladding with body bolted to the chassis; double body panelling; independent trailing arm suspension; one piece off road chassis; electric brakes to all wheels for safety; trilock security door; deep cycle battery; heavy duty sealed wheel arches and stone guards to the water tanks; large lockable front boot; tinted acrylic windows; two 82 L independently plumbed water tanks; custom built timber cupboards; lift up bed base; marine premium water pump system; 90L fridge and 4 burner stove, oven, griller. Incorporate the Platinum specifications package and can include three solar panels, full 12 V operation, air-conditioning and several other upgraded options. Interiors can be fitted out pretty much to individual taste with a good choice of laminex, bench tops, cupboards and curtains both fabrics and colour schemes to select from. The ample space inside the Kimberley and the stylish appointments, are a world away from the rugged performance capabilities that this model exhibits on the track. ## Master of the Trak The Trakmaster badge first appeared on the caravan scene in 1995 and since that time, the company has grown steadily and upgraded to larger premises and facilities on several occasions. The range currently includes pop tops and full height caravans, built to either standard on road or the specialist off road specifications with optional packages such as the Platinum. No matter which model, they all include independent suspension. The company are proud to have pioneered the trademarked TrakAir® airbag suspension, an adjustable-pressure air suspension. The Trakmaster factory is located in the RV precinct of Bayswater Victoria. If you would like to become a master of the track, the off-road track that is, in a Trakmaster such as the Kimberley Platinu, speak with a Jade [Caravan Finance](/ "Click here for caravan financial solutions") Consultant to organise your finance. You are welcome to speak with Jade about [camper loan rates and terms](/rv-finance "Check out our camper loan rate and agreement details") prior to ordering to confirm a pre-approved loan so you have your budget set before committing to the purchase. You can get a finance quote online Or Contact Us at 1300 000 003 **Categories:** Caravan Buying Articles --- ### [COVID-Safe Caravanning and Camping](https://www.jadecaravanfinance.com.au/blog/industry-news/covid-safe-caravanning-and-camping) **Published:** May 14, 2020 **Author:** Publisher **Content:** COVID-19 has changed just about every sector of our lives and we’re all going to have to adapt the way we go about our work, daily lives and our holidays. In a post-COVID world, many restrictions and guidelines are set to stay in place in the long term, so who will that affect caravan touring and camping holidays? Caravans by their very nature are an ideal isolation hub – fully self-contained. But you still need to engage with other people, in holiday and caravan parks and in public places while you tour or holiday. Camping is a great way to get away from it all in your camper trailer, but you will need some engagement with the outside world! As you plan your next trip, now could be the time to think about what changes or adjustments you may need to make. Here’s a few considerations that we’ve drawn from our research. ## Considerations - Social distancing, the 1.5m rule and the room capacity of 4 sq m per person for people outside your own household are set to remain in place into the future. When staying at [parks and camp sites](https://www.topuniversities.com/where-to-study/oceania/australia/top-10-camping-spots-australia "Discover Places to stay and Campgrounds."), keep this in mind. - If you like to have guests visit in your caravan, you may want to rethink that or invest in a larger van so everyone you accommodate has more space. Speak with us about a cheap caravan loan to assist with your purchase. - Hygiene measures will also remain in place so stock up on hand sanitiser in your kit and have it ready at the door so you can clean your hands and possibly change shoes before entering your van. - Adhere to hand hygiene after refuelling and using public facilities. - One of the great joys of caravan and camping is meeting so many different people. But sometimes these meetings are fleeting as you both continue on your trip. Very often, only first names are exchanged. Having the [COVIDSafe app downloaded](https://www.health.gov.au/resources/apps-and-tools/covidsafe-app "Get the COVIDSafe App Installed.") on your phone could literally be a life-saver. The app will assist health authorities with contact tracing in the event of someone being diagnosed with COVID-19. If you’ve met someone briefly at a holiday park or camp site and they contract coronavirus, it may be much easier for authorities to contact you and advise you to get tested. - Cleaning your vehicle and equipment. If you have guests to your site, perhaps using your outdoor chairs, sitting around and chatting, thorough cleaning of all surfaces is highly recommended. - When staying in holiday parks and at designated camping areas, you may notice differences in the way they are set-up and operate. Capacity may be reduced in order to comply with physical distancing rules and some communal facilities may no longer be available. Check ahead with the operators so you know what to expect on arrival. - Caravan parks were one of the many businesses ordered to close in the early stages of the pandemic. For operators, the Government has updated its [safeworkaustralia.gov.au](http://www.safeworkaustralia.gov.au "Visit the Official Safe Work Australia Website") with guidelines and regulations for many industries and particular businesses to create a COVID-safe workplace for both staff and visitors. Regular visitors to parks might like to refer to the site to see what recommendations are made for caravan and camping sites so you know what to expect. - Buying a caravan. Many caravan manufacturers have always had great websites often with videos and 3D tours of different models so buyers can see very clearly what each vehicle offers. This makes purchasing ‘from a distance’ a very easy process. While you’re browsing caravans for sale websites, don’t forget to have our caravan finance calculator open in another browser so you can compare repayments as you go. - If you’re heading to a dealer’s premises or meeting with a private seller to purchase a used caravan, RV, mobile home or camper trailer, you must adhere to social distancing protocols and the seller should also have practices in place to comply. - As restrictions are gradually lifted and more and more areas are reopened, many of the regional areas hit hard by drought, bush fires and now COVID-19 will be very much in need of a tourism boost. While planning your travels, be respectful and check the local council websites to see if they have any special coronavirus restrictions in place. ## Upgrading Your Caravan, RV or Camper Trailer In the light of the post-COVID era, you may be considering upgrading to a bigger van or from a camper trailer to a caravan so you can be fully self-contained or accommodate more guests with increased space. Jade Caravan Finance provides a contactless finance broking service and we are ‘business as usual’ for sourcing you the [best motorhome loans](/motorhome-loans "Get A repayment for your next motorhome here") and [cheapest caravan finance](/ "Jade Caravan Finance"). **If you’re ready to talk cheap caravan loans, call Jade Caravan Finance 1300 000 003 and have an initial discussion with one of our consultants**. **Categories:** Industry News --- ### [COVID-19 Caravan Loan Repayment Relief](https://www.jadecaravanfinance.com.au/blog/loan-tips/covid-19-caravan-loan-repayment-relief) **Published:** April 14, 2020 **Author:** Publisher **Content:** The COVID-19 crisis is affecting many people both in Australia and across the globe both in health and economic terms. Many Australians have lost their source of income or had their income significantly reduced. We’ve had many of our caravan loan customers reach out to us for information as to what relief is available from lenders in regard to caravan loan payments. We are not in a position to provide specific directives on individual caravan loans and we advise anyone requiring assistance to visit contact their lender. We’ve compiled this general information as guidance. ## **Sourcing Caravan Loan Repayment Relief** - Most lenders have set-up a website or web pages within their main website which outline their COVID-19 support policies. - We recommend you access these web pages as your first step. - The site may/may not mention caravan loans or caravan finance specifically. You may have to click through to either personal loans or business loans for information. - These sites usually have contact phone and email details so you can contact your lender to discuss your specific caravan loan. - Remember, we’re all in this together and many people are seeking relief for their caravan loans and other loans and the lender phone lines are very busy. - Contacting your lender via email is the preferred method. Ensure you include all the important details about your caravan loan so the lender can assess your specific requests quickly and respond to you. Include your customer name and account number; contact phone and email; state that you are requesting deferral of your caravan loan repayments due to COVID-19; detail how long you would like to defer your caravan loan payments for, ie 3 months, 6 months. - Allow the bank or lender time to respond before you commence following up. Most lenders are offering 6 month deferrals and usually from the date the request was received. So ensure you register your request in writing, by email. ### **General Information** - As a finance broker, [Jade Caravan Finance](/ "Your Trusted Partner in Caravan Loans") is accredited with a large number of banks and lenders. Under these current circumstances, individual lenders have put in place their own policies around repayment relief for caravan loans. - We cannot report any broad-based, ‘blanket’ solutions that would encompass the entire lending sector. - Different arrangements may be offered to [business caravan finance](/commercial-caravan-loans "Funding Your Caravan Needs with Jade") customers as opposed to personal caravan loan customers. Ensure you are specific when you approach your lender by clearly stating if your loan is personal or business and if business, the size of your business in terms of turnover. - When seeking repayment relief, you should understand the terminology being used around all support measures. Specifically, the difference between ‘deferred payments’ and ‘waived payments’. - Deferring payments means taking a ‘payment holiday’. Putting off making payments for 3 months or more commonly, 6 months. The payments are still due to be paid. The deferment extends your loan term out by those many months. - Interest may still be charged by the lender unless they specifically state that interest is ‘waived’ for the deferment period. - A waiver or waived payments are payments that are forgiven, forgotten, or deleted. This usually not occurring with caravan loan types of finance. Waived fees and charges etc are usually only applied to some measures by governments and other authorities. We consider that it would be highly unlikely that a lender would waive any caravan loan repayment. #### **Lender Support Policies** In addition to the above general information, we have sourced links to information being provided by some banks and lenders in regard to relief for caravan loan payments. If your lender is not specifically mentioned below, go to their website and search for COVID-19 support. #### **WESTPAC** If you have a caravan loan or business caravan finance with Westpac, you should go to for their support measures. #### **ANZ** If you have a caravan loan or business caravan finance with ANZ, you should go to #### **COMMONWEALTH BANK** If you have a caravan loan or business caravan finance with CBA, you should go to #### **MACQUARIE BANK** If you have a caravan loan or business caravan finance with Macquarie, you should go to [https://www.macquarie.com.au/financial-assistance/coronavirus-support.html](https://www.macquarie.com.au/financial-assistance.html) #### **Support from Government** The Australian Government has announced a number of stimulus and support measures for a large number of individuals and businesses. In addition, all state and territory governments and many local councils have introduced relief for the areas under their jurisdiction. Ensure you investigate what you are entitled to as this may assist with making your caravan loan repayments without requesting deferring payments. **At Jade Caravan Finance we’ve moved to work from home arrangements but will be providing continuity of service throughout the COVID-19 crisis.** *DISCLAIMER: THE INFORMATION PROVIDED SHOULD BE USED AS A GUIDE ONLY. ALL INDIVIDUAL LOANS AND ARRANGEMENTS WITH SPECIFIC LENDERS SHOULD BE MADE DIRECTLY. JADE BOAT LOANS IS NOT IN A POSITION TO PROVIDE SPECIFIC ADVICE ON ANY SPECIFIC CARAVAN LOAN.* **Categories:** Loan Tips --- ### [Caravan Loans in Lockdown](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-loans-in-lockdown) **Published:** August 11, 2020 **Author:** Publisher **Content:** The coronavirus pandemic is continuing to have a major impact on the lives and livelihoods of many Australians. With many Australians forced into lockdowns and others ordered into self-isolation, we appreciate that many people will be concerned about moving ahead with your caravan purchase and finance plans. We are pleased to reassure you that Jade Caravan Finance can assist you with your caravan, RV, camper trailer and mobile home finance even while you may be in lockdown or in self-isolation. ## **We’ve prepared some key points to assist those that may be in this position.** - Jade Caravan Finance operates on a contactless basis with all arrangements carried out via phone or email. So if you are in lockdown or isolation at home, and are well enough you can still contact us to arrange a caravan loan. - Our [Caravan Finance Calculator](/loan-calculator "Calculate your caravan finance") is an online tool and will always be available to use when you have internet connection. - Jade Caravan Finance operates nationwide so no matter where you are located or required to isolate, your Jade consultant can assist with your caravan loan requirements. - If you are in the middle of a loan application with Jade and you have to isolate, there is no problem from our end. The process will continue as normal with our usual high standard of personalised service. We will continue negotiating [cheap interest rates for caravan finance](/interest-rates "Caravan Finance with Low Interest Rates") and the best terms with our lenders to source you the best quote and will continue to contact you via phone or email to finalise your loan. - Your Jade consultant can liaise with the caravan dealer on your behalf, if you so choose, to streamline the process. - For people wanting to order a new caravan and are unable to visit the manufacturer to discuss your order due to health orders around travel restriction or due to isolation, there are possible solutions. Many caravan manufacturers are offering online purchasing services via their websites. Many websites have detailed floorplans and specification details so you can ‘build’ and order your caravan remotely. - If ordering a new caravan via an online service, it is always advisable to check the credentials of the manufacturer or dealer prior to purchase. [The Caravan Industry Association](https://www.caravanindustry.com.au/) has a list of accredited manufacturers on its website which may assist you. - Buying a second caravan from a private seller may present greater challenges. Buying used goods online directly without viewing may come with increased risk. Being able to check the condition of the caravan prior to purchase and verify the seller’s identity and other factors is very important. When buying a used caravan from a dealer, purchasers are usually covered by the consumer laws in each state. These same laws do not always cover private sales. So buying from a known dealer would appear the better advice. - If you are currently travelling through Australia in your caravan, we strongly advise you to stay in touch with news services for outbreaks and updated restrictions in the areas you are travelling into and amend your plans accordingly. - If you already have a [caravan loan](/ "Choose the Best Financing for Your RV Adventure") and a new stage of lockdowns results in a change in your employment and income status, we advise you to contact your lender and discuss the possibility of deferring repayments if required. In the initial stages of the pandemic the banks were offering widespread loan deferments but many of those initial periods have now expired. We have been advised by some of our lenders that they are contacting customers and discussing the options of extending if required. But you will need to contact your lender. ## **Getting a Caravan Loan in Lockdown** If you have plans to get on the road in your new caravan these coming holidays it is advisable to keep those plans moving because new caravan builds may be delayed in some areas due to the shutdown of some manufacturing sectors. If you are in lockdown, it is not a problem to contact Jade Caravan Finance and arrange your loan. Here’s how:- - Use our online calculator to get monthly repayment estimates on various caravans after getting a purchase price from the manufacturer by phone or via their website. - Contact Jade Caravan Finance for a quick quote on the caravan you have in mind. The calculator only provides a rough estimate. You will need to contact us and go through initial stages of the loan application process in order for our consultants to provide you with a firm quote. - Once you accept our quote, your Jade consultant can either organise you a pre-approved caravan loan or await you finalising your caravan purchase to proceed to finalising your loan application. - Your Jade consultant will assist with the paperwork and liaise with the dealer to streamline the settlement process. There should be no need for you to leave your home in order to arrange a Jade Caravan Loan. Just give us a call and we will handle it for you. Our team have continued to provide our complete finance broker service throughout the COVID-19 crisis and our panel of banks and lenders are also operating as close to business as usual as is possible under the circumstances. We want our Jade Caravan Finance customers to be in a position to make their caravan plans a reality and we’re here to assist you with cheap caravan finance. **If you’re in lockdown and you want to arrange a caravan loan, speak with a Jade Caravan Finance consultant 1300 000 003 about the options and the process.** *DISCLAIMER: ALL INFORMATION PRESENTED IN THESE ARTICLES IS FOR GENERAL INFORMATIONAL PURPOSES AND BUSINESSES AND INDIVIDUALS SHOULD SEEK INDEPENDENT FINANCIAL ADVICE IN REGARD TO THEIR OWN FINANCIAL DECISIONS AND CIRCUMSTANCES. DETAILS ON GOVERNMENT MEASURES, POLICIES AND GUIDELINES AND VEHICLE DETAILS AND SPECS HAVE BEEN SOURCED FROM PUBLICLY AVAILABLE WEBSITES AND SOURCES. LIABILITY IS NOT ACCEPTED FOR ERRORS IN THE INTERPRETATION OR PRESENTATION OF ANY FACTS AND DETAILS FROM THIRD PARTIES. WE ADVISE INDIVIDUALS TO CHECK DETAILS DIRECTLY AT THE THIRD-PARTY SOURCE IF REQUIRED.* **Categories:** Loan Tips --- ### [Advertised or Comparison? What interest rate do you get?](https://www.jadecaravanfinance.com.au/blog/loan-tips/advertised-or-comparison-what-interest-rate-do-you-get) **Published:** February 15, 2021 **Author:** Publisher **Content:** The interest rate you are offered on a loan essentially determines the overall cost of the finance and in concert with the loan term, determines how much you will pay each month in repayments. Interest rates are very important and those seeking finance do tend to focus very much on who is advertising what rates for what loans. But with all the asterisks and T&Cs attached to ads and promos for finance and loans from banks, finance companies and from many consumer goods sellers, it is natural that you may wonder – will I get that rate? Are the t&c’s going to exclude me from being offered that seemingly cheap deal? Adding to the uncertainty is that in advertisements and announcements of consumer goods finance must display an advertised interest rate and a comparison rate. As a lender in the consumer goods space, Jade Caravan Finance is required under the [consumer credit laws](https://www.legislation.gov.au/Details/C2019C00053) to display both these rates. We do receive queries about what is a comparison rate and why are there two rates and what rate will I get for my caravan loan, so we are well aware that there are many people who are not familiar with the concepts. In this article we’re bringing you up to speed with an explainer on interest rates, what each is and what you may be offered on your caravan loan. ## **Difference Between Advertised and Comparison Interest Rates** We have included a [lender interest rate comparison chart](/interest-rates "Explore Our Lender Interest Rate Comparison Chart") on our website home page and we recommend you refer to that as you read as it will provide some further clarity to our explanation. - A consumer loan comprises several elements: the amount you are borrowing known as the loan amount or principal, the interest rate, the amount of interest charged on the loan principal, the loan term being the number of years you have to repay the loan and a range of fees and charges which are applied by the lender. - Fees and charges are a standard across most loan categories. Most banks and lenders will charge fees for setting up loans. But the actual fees will vary from lender to lender. A loan establishment fees is fairly universal and some charge a monthly fee as well. - So the actual cost of your loan will be the loan amount plus the interest as charged at the advertised rate plus these fees and charges. - The interest you will pay is calculated based on the advertised interest rate or the interest rate offered by the lender if that is different from that advertised. - But as fees and charges vary, just knowing the advertised rate makes it difficult or virtually impossible unless you are a maths genius, for consumers to work out exactly how much they are paying in total for their loan. - Enter the role of the comparison rate. The comparison interest is formulated based on a specific consumer goods purchase example. This example will be detailed in copy attached to the display for the comparison rate. It is the rate over a set loan term, say 5 years, for a set loan amount, say $30,000, at the interest rate as noted, for new goods and it includes many of the standard loan fees and charges applied by that lender. - The interest rate may be fixed or variable. If you refer to our lender comparison you will see that some lenders such as Jade offer a secured or fixed interest rate caravan loan while some offer a variable rate personal loan. - A variable interest rate is a rate that can be changed over the term of the loan while a fixed or secured rate means the interest rate will remain the same over the term of the loan. - So the comparison rate will always be higher than the advertised rate as it includes some fees and charges. We have to qualify that statement with ‘some fees and charges’ because not all fees may be included on all notifications. When you are comparing interest rates on consumer loans, you should be paying attention to the comparison rate as well as the advertised rate. As you can see in our lender comparisons, [Jade Caravan Finance offers the cheapest caravan loan](/ "Discover the Cheapest Caravan Loan") and the cheapest comparison rate compared to the other lenders as listed. ## **What will you be offered?** The advertised interest rate we offer applies to applicants with good credit and other aspects of an application. Most applicants may expect to receive this interest rate on their loan. Should a person not meet all the lender criteria, they may be offered the cheap interest rate but with conditions on the loan. At Jade Caravan Finance every application is treated individually and negotiated to best meet our customer’s preferences. To allay any doubts and uncertainties that you may have around what interest rate you may be offered, just give us a call for a firm quote on your caravan loan. There is no obligation attached to requesting a quote. **For all your caravan finance requirements call 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** DISCLAIMER: THIS ARTICLE IS PREPARED AND POSTED WITH THE INTENTION OF PROVIDING GENERAL INFORMATION AND NOT WITH THE INTENTION THAT IT BE THE ONLY SOURCE OF INFORMATION ON WHICH TO MAKE FINANCIAL DECISIONS. THOSE REQUIRING FINANCIAL ADVICE AROUND THEIR INDIVIDUAL SITUATIONS SHOULD REFER TO A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED *FOR ANY MISREPRESENTATIONS OR ERRORS IN THE CONTACT AS SOURCED, IN GOOD FAITH, FROM A RANGE OF SOURCES.* **Categories:** Loan Tips --- ### [What extras and accessories can you include in your loan?](https://www.jadecaravanfinance.com.au/blog/loan-tips/what-extras-and-accessories-can-you-include-in-your-loan) **Published:** February 26, 2021 **Author:** Publisher **Content:** When it’s time to order or more precisely ‘build’ your caravan, buyers can be presented with quite an extensive selection of choices. Most caravan buyers will be ordering from manufacturers that build each caravan to order. Initial choices are on road, semi off road or full off road capabilities. Where you are intending to travel will largely determine this decision and in turn determine which model from a range will be your preference. Manufacturers typically offer buyers different floorplans, which is standard procedure. L-shaped dinette, café style or club lounge are some of the standard choices. Next level and some will be offered a choice of interior décor and finishes. This may mean upgrading to a higher quality, having a choice of the colour palette, flooring and upholstery materials. Beyond these choices, buyers are usually presented with a selection of optional extras. View any caravan brochure where the full specifications are listed and more often than not there will be a list of standard inclusions and a list of optional extras. On top of that, there is the wish list. Those items that you choose to accessorise or customise to [enhance your caravan lifestyle](/blog/caravan-articles/join-the-celebrity-caravan-set/ "Enhance Your Caravan Lifestyle with Us"). When it comes to paying for all this, many buyers will no doubt be wondering if all this can be included in their caravan loan. We provide a [guide on what may or may not be included when you arrange your loan through Jade](https://jade.finance/blog/qa-consumer-finance-your-basic-questions-answered). ## **Loan Inclusions and Exclusions** When you [arrange your caravan loan through Jade Caravan Finance](/ "Secure your caravan loan with Jade Caravan Finance"), you are assigned your own consultant so it is a very easy process to simply ask the question when it comes to including extras in your caravan loan. While some items will need to be addressed individually but we can provide general guidelines for a range of options and accessories. One of the key determinants of whether or not an extra can be included in your caravan loan will depend on the time of purchase and the supplier. If you are including options to be supplied by the caravan manufacturer and those costs are included in the original invoice which will be issued to your lender, then in most cases, they would be included in your loan. But if you’re talking accessories that you purchase after sale and after your loan has been finalised, it would not be possible to add them to the loan later. ## **Possible Options and Accessories** Let’s list a few popular accessories and give you a guide to inclusion/exclusion from your loan:- - Extra solar panels: if heading off-grid you may want additional power capability than that offered in the manufacturer’s standard features. Ordered and installed at time of purchase by the manufacturer and they should be included in the loan. - Grey water tank is usually included as standard on today’s vans but if an option, select it when ordering so it is included in your loan. - Extra batteries: you may find you need additional batteries after purchase. In this instance they would not be added to a loan after settlement. - Cooking facilities vary depending on caravan or [camper trailer model](/blog/caravan-articles/selecting-the-caravan-or-camper-trailer-to-suit-your-travels/ "Discover the Perfect Camper Trailer Model"). Some manufacturers provide both internal cookers plus an external pull-out cooker or BBQ. For others, the external is an optional extra. If you think you’d like to be cooking in the great outdoors, make the decision when ordering so the cost is in your loan. - Bike racks: inclusion in your loan will depend on when they are purchased/installed and whether by the caravan seller or another party. Ask your Jade consultant to clarify. - Outdoor furniture that folds-up and is not attached to the caravan would not generally be included in a loan. - Chocks and ramps may be desired to provide an additional level of safety and security when parked on uneven ground. These are usually purchased after sale and not included in the loan. - Awnings are usually provided by the manufacturer as a standard fitting or as an optional extra. Awnings and other shading fixtures which are installed at time of purchase should be included in a loan. - Gas level indicators, alarms and detectors are important devices to have in your caravan. Many safety devices will be included as standard on many models. Remember to discuss this with the manufacturer and request any additional safety devices that you may want and have them installed during the build so they are included in the caravan loan. - A sound system, TV and other tech devices are important for your on the road entertainment. Manufacturers listen to their customers and many include the latest tech as standard, especially on luxury models. If the devices and systems are part of the caravan build then they would be included in the loan. If you opt to upgrade and replace the standard items after sale, then the cost would not be included in the loan. - [Insurance is compulsory for caravans under finance](/blog/loan-tips/caravan-and-rv-insurance-overview/ "Compulsory Caravan Insurance for Financed Units"). It is a lender requirement. Whether or not the first year premium may be included in your loan is a conversation you will need to have you’re your Jade consultant. In some cases it is possible and in other instances it is not. - Registration: you will need to register your new caravan in accordance with your state regulations. If this is done for you by the manufacturer and the cost included on the purchase invoice, similar to when you purchase a new car, then it may be able to include it in your loan. If you finalise this separately after purchase then you will need to cover the cost separately. One of the great advantages of having Jade Caravan Finance arrange your loan is the personalised nature of our service and having your Jade consultant available to assist you with these types of questions and queries, quickly and easily. We handle every loan individually, negotiating terms and conditions with lenders to achieve the caravan loan that best meets your requirements. **To answer your questions around including caravan accessories in your finance package, speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: PLEASE NOTE THAT THIS INFORMATION IS PROVIDED PURELY AS A GENERAL INFORMATIVE ARTICLE AND IS NOT INTENDED AS A SINGLE SOURCE FOR MAKING FINANCIAL DECISIONS. THOSE THAT CONSIDER THEY REQUIRE ADVICE IN REGARD TO THEIR FINANCIAL SITUATION ARE ADVISED TO REFER TO A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATIONS IN THE DATA, FIGURES, DETAILS AND OTHER INFORMATION AS SOURCED FROM OTHER SOURCES.* **Categories:** Loan Tips --- ### [Tips and Hints for First-time Caravan Loan Applicants](https://www.jadecaravanfinance.com.au/blog/loan-tips/tips-and-hints-for-first-time-caravan-loan-applicants) **Published:** March 15, 2021 **Author:** Publisher **Content:** The surge of interest in caravans due to the restrictions enforced on travel by the coronavirus pandemic has been well-documented and widely reported. While it’s great to see so many people getting into this fantastic way to holiday and travel, being a first-timer to the caravan finance scene can be a challenge. Let’s face it, it’s not every week or every year that most people have the need to apply for a loan, especially for recreational purposes. Even existing caravan owners don’t face the need to upgrade too often as caravans are generally held for a considerable time. Where to find the best caravan loan deals? Are there differences in loans depending on the type of caravan? Do you just hit the internet and/or start making calls and requesting loan quotes from as many finance companies as possible to get the cheapest deal? For those approaching the caravan loan process for the first time, be assured that Jade Caravan Finance has the information, resources and people to assist you at every stage to source you the [cheapest RV loan](/rv-finance "Discover the Cheapest RV Loan for Your Adventure") available. Here’s a [quick overview of the caravan loan market](https://www.money.com.au/personal-loans/caravan-loans) which we hope will give you confidence to move forward with your purchase. ## **Popular Loan Types** The most popular type of loan to purchase all types of caravans, camper trailers, motorhomes and RVs is our Jade Secured Caravan Loan. If you are doing intensive research, you will find a range of banks and lenders that do extend finance to purchase caravans, but not all will specify a caravan loan. We do because we are specialists in recreational vehicle finance. Many lenders only offer a generic Secured Personal Loan which is offered to cover a whole range of purchases. The Jade Secured Caravan Loan has an easily understood format. The caravan is the security for the loan. We arrange these loans at our cheap interest rates which are fixed for the entire time of the loan. There is no necessity to review your loan when you hear the RBA has changed the official interest rates. We also fix the loan term so in conjunction with the fixed interest rate that gives you a fixed repayment amount. Repayments are scheduled monthly over the loan term. When the loan is fully paid, the lender releases the security over the caravan. ## **Lender Market** Jade is a specialist caravan finance lender and we provide customers with access to many banks and finance companies through our services. The Big 4 and other banks as well as a multitude of finance companies comprise what is known as our lending panel. You’ll see these displayed on our website. We have accreditation with these companies which gives our licensed and highly-trained finance consultants the authorisation to approach these lenders to source caravan loans for our customers. But unlike when you might undertake the time-consuming task of requesting loan quotes from multiple lenders yourself, we have fast and direct access through our industry channels with these lenders and our resources. We are always across the market so we know at any particular time, which particular bank or non-bank lender is offering the [best caravan loans](/ "Best Caravan Loans for Your Adventure") and which offers the most terms and conditions to suit our individual customers. We save you time and give you the benefit of a wide choice, with the time-consuming work done for you. Many caravan manufacturers and dealers also offer their buyers a finance option. Yes this may be convenient but you need to ask yourself “am I 100% convinced it’s the cheapest or best loan I could have sourced?” The dealer finance will be from their choice of lender. Jade offers finance sourced from many lenders. ## **Caravan Loan Interest Rates** The key to any loan is getting the cheapest interest rate. That is the major determining factor in establishing the repayments. To make it easy for people to see what’s available, we’ve compiled a [Caravan Lender Comparison Chart](/interest-rates). This displays the interest rate and loan summary of what a selection of banks and lenders is currently offering including what Jade may achieve for you. Interest rates vary from lender to lender based on a range of factors. You’ll see an advertised rate and a comparison interest rate. The comparison rate is derived on the advertised rate plus certain fees and charges for a specific caravan purchase. The details are always described next to the displayed rate. You can read more about caravan loan interest rates on our web pages. ## **Calculating Your Own Loan Estimates** The tricky part for many caravan buyers is knowing how the price of a make or model they’re interested in might convert to caravan loan repayments. We’ve made that easy for you with our [caravan loan calculator](/loan-calculator "Plan Your Caravan Financing with Our Loan Calculator"). Just enter the price of the caravan (we provide no deposit finance) and the number of years you’d like to repay the loan and you’ll see a rough repayment estimate displayed. Use this resource free of charge to work out estimates on all the caravans and campers you’re considering. For a confirmed quote, just give us a call. ## **Extra stuff you should be aware of…..** - When you contact many banks and lenders to ask for a caravan loan quote, those multiple requests can be entered by the lender on your credit record and negatively affect your credit profile. When your Jade consultant does that for you, the process does not affect your profile. - You will need a suitable vehicle to tow your caravan. - You will need to take out caravan insurance and register your van. - To access consumer credit you must be over 18. - [No deposit caravan loans](/no-deposit-caravan-finance "Get on the Road with No Deposit Caravan Loans") are available and extras and accessories can be incorporated into the loan. - [Pre-approved secured caravan finance](/secured-caravan-finance "Pre-Approved Secured Caravan Finance") is available. - When engaging Jade to handle your caravan finance you are assigned a consultant to handle the entire loan process for you. Armed with this information and the services of Jade Caravan Finance, any first-time nerves should hopefully now be allayed so you can move on with that loan application and your caravan purchase. **First-timer caravan buyers are always welcome. Call 1300 000 003 to discuss your requirements with a Jade Caravan Finance consultant** *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.* **Categories:** Loan Tips --- ### [Consumer Credit Changes and Your Caravan Loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/consumer-credit-changes-and-your-caravan-loan) **Published:** March 22, 2021 **Author:** Publisher **Content:** The reforms to the consumer credit laws as proposed by the Treasurer, [Josh Frydenberg](https://twitter.com/JoshFrydenberg) in September 2020 are now into the final legislative phase. When first proposing the changes, the Treasurer indicated he would like to have the changes in place by 1 April 2021. The Bill, which covers changes to the National Consumer Credit Protection Act (2009) is due to be debated and voted on by the Senate very soon. This follows the extensive legislative process which has included the consultative period and consideration by the relevant Senate Committee. As a licensed credit provider, [Jade Caravan Finance](/ "Discover Financing Solutions with Jade Caravan Finance") adheres to the Responsible Lender Guidelines and is required to assess and process caravan finance applications as per the consumer credit laws. So many of our customers may be wondering how any changes to the consumer credit laws will affect their caravan loan. We’re taking this opportunity to update you on these changes to allay any concerns you may have around your existing or potential new loans. ## **The Reforms: Summary** When preparing and offering the extensive range of [stimulus measures in response to the COVID-19 pandemic](https://treasury.gov.au/coronavirus "COVID-19 Pandemic Response"), the Treasurer identified the flow of credit as significant to economic recovery. Aspects of the existing consumer credit laws were seen as holding up the easy and timely flow of credit, particular in regard to small business loans and home loans. While these two areas were singled out for mention, the laws cover all areas of consumer credit including loans for caravans as offered by Jade Caravan Finance. Specifically, the issues were around the complexity of the loan application process, the duplication of process at some stages and the time taken for loans to be assessed and approved. It was seen as the onus on the lenders to assess and as such prove to their satisfaction, that the applicant could meet any obligations of the loan being applied for. That assessment included discretionary spending behaviour. The changes which have been proposed include a number of aspects, but overall, they move much of the responsibility to prove the ability to meet loan commitments from the lenders and onto the loan applicant. In regard to discretionary spending for example, in their submission to the Senate Committee, the Australian Banking Association specifically mentioned that borrowers could and in many cases would be expected to, change their spending patterns in order to meet new loan commitments. The ABA proposing more emphasis on assessing debt/income rather than current spending patterns. ## **Reform Process** It has taken 6 months to get to this stage as the legislative process in the Australian Parliament can be quite involved and lengthy when new laws are being considered. In this case, the Senate Committee had submissions from a range of stakeholders including consumer advocacy groups and lending groups to consider and assess. Submissions were presented that both supported and opposed the reforms. The detractors’ key argument being that easing the flow of credit could place some consumers in a vulnerable position. In response to that point, the reforms are seen as maintaining protections for vulnerable consumers. On 12 March 2021, the committee wrapped up its process and handed down the report which recommended the Bill be passed without significant alterations. The decision was not unanimous with Senators from the Labor Party and the Greens opposing the changes. The next and final stage is for the law to be passed by the Senate. As the Coalition does not have enough seats/votes in the Senate, that is it doesn’t hold the balance of power, there is likely to be negotiations with cross bench senators. If you keep an eye on Parliamentary news, you may hear reports around the progress of the Bill. You can access details to review the complete wording of the Bill through the Australian Parliament website. ## **Changes and Your Loan** First up, we want to assure our existing and potentially new caravan loan customers that Jade Caravan Finance adheres to all relevant laws around consumer lending and your individual interests and requirements are addressed with our personal broker-style lending service. For those that already have caravan finance through Jade or any other lender, any changes made to the laws will not apply to your loan. Your loan term and repayments will not be affected by any changes. For applicants with a caravan finance application currently being processed by Jade, it will be assessed based on the current consumer credit laws. If an application is submitted after any changes are made to the laws, the new laws would be applied. If prior to any changes, then the application would be assessed on the 2009 Act. For those considering applying for [low interest rate caravan finance](/interest-rates "Low Interest Rate Caravan Finance") at some time in the future, any changes may make the approval process somewhat faster. However Jade already offers an extremely streamlined finance approval and processing system to ensure our customers receive fast approvals and prompt settlements. Our team stays across a range of economic and financial matters and will provide further updates as appropriate. **To apply for a caravan loan or pose any questions you may have around the loan application process, please call 1300 000 003 and speak with one of our Jade Caravan Finance consultants** *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.* **Categories:** Loan Tips --- ### [Will the budget effect caravan finance?](https://www.jadecaravanfinance.com.au/blog/loan-tips/will-the-budget-effect-caravan-finance) **Published:** April 21, 2021 **Author:** Publisher **Content:** With the Federal Budget less than a week away, many will be wondering how the measures and policies due to be announced will affect their lives and livelihoods. If you have plans in the works to purchase a caravan in the close, near or medium future, you could be keeping a close eye on interest rates. Not surprising as interest rates change and fluctuations are a must-watch for many Australians. What is less watched is the [Annual Federal Budget](https://www.treasury.qld.gov.au/resource/state-budget-2020-21/). The speech delivered by the Treasurer to Parliament in bringing down the annual budget is full of economic jargon, massive dollar amounts and, yes, is not really a good Tuesday night TV watch. But the outcomes of the budget are very important and we’re providing a preview and overview of what effect any measures announced in the 2021/22 budget might have on specifically [caravan loans](/ "Explore Caravan Financing Options with Caravan Loans"). ## **Overview: Federal Budget** You are excused if you feel like we just had a Federal Budget a little while ago. Yes, you are correct. The budget is scheduled for May each year but think back to May 2020 and how COVID-19 was already causing issues across the economy. Both the Federal and many state governments made the decision to push back the annual budget to later in the year when measures could better address the fallout from the pandemic. So the 2020/21 budget was announced in October 2020 but for 2021/22 the schedule is back on track with Treasurer to deliver it on 11 May. Many of the policies announced in October are still relevant and part of the income tax cuts introduced will be realised further at EOFY. The key for individual taxpayers was that tax cuts for some income brackets were brought forward and backdated to 1 July. So when these taxpayers submit their income tax return for 20/21, they are due to receive a refund for any tax overpaid during July-October prior to their employer implementing the new schedules. So what’s in this coming budget? In his pre-budget speech, the Treasurer outlines the strategy and approach of the 2021/22 budget and the phases that the Government would be following rather than exact and specific detail. [More information here](https://budget.gov.au/). But as is traditional, a number of policies have been unveiled in the lead-up. Of interest to low to middle-income earners will be the extension of the low middle-income tax offset for another year. For some families, cuts to the cost of child care have been flagged, but not due until 2022. ## **Lending Impacts** So what is the connection between the budget and government policies, the financial services lending sector and those all-important interest rates? First the interest rate situation. The government does not set interest rates. The Reserve Bank of Australia is the body tasked with setting what is referred to as monetary policy and interest rates. The RBA sets the official cash rate which is the rate that the banks and lenders base their individual rates on. In establishing the official cash rate, the RBA takes into account the state of the economy, the outlook and pays particular attention to key indicators. Currently, interest rates are at historic low levels and the RBA is looking to the unemployment figures and inflation rates before considering raising the rate. Driving down unemployment through creating jobs via economic measures is the responsibility of the Government and has been stated as the major focus of this year’s Federal Budget. So the connection between fiscal (budget) policy and interest rates does exist but Government’s don’t set the rates. Budget policy as announced by the Government will also flow on to impacting inflation and this is a key consideration for the RBA’s decisions re interest rates. The latest inflation figures are in the low to mid 1% range. The RBA has stated it is looking to a 2-3% target before increasing rates. Wages and wage growth is another shared concern of both the RBA (and interest rates) and government policy. Wage growth has been very slow in Australia in recent years and is predicted by the RBA to be sluggish for some time. The Government will be looking to boost jobs through the budget and that may affect wages. But a red herring has also entered the conversation. [Many sectors of the economy are reporting difficulties in filling job vacancies](https://www.abc.net.au/news/2021-04-05/labour-shortages-hint-at-a-faster-economic-recovery/100047576 "Economic Sectors Struggle to Fill Job Vacancies"). The closed border situation is restricted to the usual international students, skilled migration and other workers entering Australia. In a situation of low supply and high demand, a price increase often follows. Will an increase in wages be the result of employers competing for the limited number of people to fill their jobs? Will this be sufficient to drive wage growth to levels that trigger a rate rise? Definitely worth watching how all these factors interact. Lenders set their own interest rates based on a range of factors and they will no doubt be looking to the budget closely. There has been some commentary around interest rates being increased earlier than the current RBA’s recent pronouncements of 2024. So caravan buyers may be wise to be forewarned and prepared. While Jade Caravan Finance focuses on achieving the [cheapest caravan finance interest rates](/interest-rates "Discover the Cheapest Caravan Finance Interest Rates") available, our actual rates are of course depending on the lending market. Our team will be closely analysing the detail of the budget and posting articles on the outcomes for our customers. **To discuss finance for caravans contact 1300 000 003 today.** *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.* **Categories:** Loan Tips --- ### [What are my break fees? Can I make extra payments to my Caravan Loan? Your Concerns Addressed](https://www.jadecaravanfinance.com.au/blog/loan-tips/what-are-my-break-fees-can-i-make-extra-payments-to-my-caravan-loan-your-concerns-addressed) **Published:** April 28, 2021 **Author:** Publisher **Content:** Purchasing a caravan can be an exciting experience as you consider the wide selection of makes available in Australia and deliberate over the different models to decide which will exactly meet your travel and holiday plans. You may also have the manufacturer’s options and accessories to think about including. Plus you’ll no doubt have a heap of questions to ask the dealer about the specifics of the model you’ve chosen. The same process applies when taking on finance to purchase your caravan. This may be the first time you’ve applied for finance for leisure and recreational goods and you’ll no doubt want all your queries addressed so you know exactly what you are committing to. While we’ve provided extensive sections on frequently asked questions, there are a number of typical questions that our consultants receive that warrant more in-depth coverage. Specifically in regard to making extra payments on the loan and what fees apply when you pay out the [caravan financing](/ "Explore Caravan Financing Options") early. ## **Making Extra Caravan Finance Payments: Personal Loans** When arranging caravan finance, our loans have fixed elements including fixed repayments. These are based on equal amounts due each month over the fixed loan term. So if you have some extra money at some stage, should you and can you make extra payments on your loan and if you do, what are the outcomes? With both [Secured Caravan Loans](/secured-caravan-finance "Secure Your Caravan Journey with Secured Loans") and Unsecured Personal Loans, extra payments are permitted. If planning to make extra payments, borrowers should contact their lenders to advise them of their intentions. ### In making extra payments in addition to the scheduled monthly loan repayments, you should be aware of a number of details: - Payments made in addition to the loan repayments cannot be later withdrawn. - Extra payments can be used against future monthly loan repayments. ## Making extra payments and still adhering to the monthly repayment schedule results in several outcomes: - Interest on consumer loans is calculated on a daily rate and then charged to the loan on a monthly basis. So immediately, a benefit is realised through saving on the total interest you will pay over the life of the loan. - Consumer loans are regulated under the law and all interest outstanding is rebated back to the borrower. - By making additional payments while adhering to the agreed monthly loan repayment schedule, the loan will be paid out that is finalised before the fixed loan term. - Finalising a personal caravan finance contract before the scheduled end of the finance term can attract penalties which are known as break fees. We have covered the detail on break fees below. If you’re in line for a tax refund this year from the LMITO or the tax cuts introduced in the October Federal Budget, using those funds to reduce your caravan loan may be in your thoughts. ## **Making Extra Caravan Finance Payments: Business Loans** While caravans are generally associated with holidays and private travel, there are many businesses that can require caravans, mobile homes and other types of RVs for use in their operations. These include holiday and caravan park operators, mining operators, construction workers, research and exploration organisations and providers of temporary housing. For businesses acquiring caravans as a business asset, [Caravan Chattel Mortgage](/chattel-mortgage "Explore Caravan Chattel Mortgage Solutions") is a very popular form of finance. While businesses focus on the tax deductions and other benefits associated with their finance, there may be circumstances under which the business chooses to make extra payments on their commercial caravan finance. These may include reducing debt as a way to improve the business balance sheet to take on additional investment commitments. As commercial finance is not regulated in the same way as consumer finance, it will be at the discretion of the lender what fees will apply to contracts that are finalised prior to the end of the agreed term. ## **Caravan Finance Break Fees: Personal Loans** ### Secured loans across the consumer finance sector have similar break fees amounts. Exactly how much the break fees are on individual loans which depend on: - The amount outstanding on the loan. - The timing in regard to how many months are left in the loan contract fixed term. To get an exact amount on break fees, individual borrowers should contact their lender. As a guide to give you some indication of what your break fees may be, they can range from $600 to $900 per loan, calculated on a pro-rata basis. For example, take a fee of $600 and divide it by the total number of months in the original loan term, then multiply that figure by the number of months still left at the time of paying out the loan. [Personal Loans](/unsecured-personal-loans "Explore Personal Loans for Your Financial Goals") which have been established at a variable interest rate normally do not attract break fees. [Please find more information here from ASIC](https://download.asic.gov.au/media/1241402/rg220-published-31-august-2011.pdf "Additional Information Available from ASIC") ## **Caravan Finance Break Fees: Business Commercial Finance** While the consumer finance sector is highly regulated as per ASIC rulings, the commercial or business finance and loans area is not regulated. So when it comes to many aspects of a finance contract including fees and penalties for breaking a contract prior to the end of term, the details are up to the discretion of individual lenders. ### Break fees on commercial finance can include three main types: 1. Set in regard to [Rule of 78](https://thebusinessprofessor.com/) which relates to at what point in the finance term the interest is applied. Break fees would reflect how much interest and how much of the principal is outstanding. 2. Discount rate charged on the early payout based on the outstanding balance. 3. A percentage of the interest rebate. That is a percentage of the interest on the loan which is still owing, charged in the payout to the business customer. If a business has plans to pay out a loan early or make additional payments, having a conversation with their lender will provide details on costs. The refinancing process would involve paying out a loan early and as such break fees would apply. To receive estimates on repayments, utilise our [online caravan finance calculator](/loan-calculator "Calculate Your Caravan Finance Online"). **Call 1300 000 003 to discuss a quote or other aspects in regard to caravan lending with our consultant.** *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.* **Categories:** Loan Tips --- ### [Loan Support: Lockdown and Your Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/loan-support-lockdown-and-your-caravan-finance) **Published:** June 28, 2021 **Author:** Publisher **Content:** It’s now over 18 months since the coronavirus pandemic emerged in Australia, and despite many ‘best efforts’ by the population and authorities, outbreaks are continuing to emerge. [The current scenario is escalating by the day with multiple states in various stages of restrictions, stay at home and complete lockdown rulings](https://www.9news.com.au/national/coronavirus-updates-australia-june-30-half-of-australians-in-lockdown-delta-variant-spreads/e47bcd47-a43b-4466-bd0c-518bd40d4d77). We appreciate that this throws the plans of many millions of people into disarray and will cause many to have concerns and worries about their financial situation. To assist our existing and potential new caravan finance customers, [we have sourced a selection of information on where those with caravan finance can seek support and what services we continue to offer for those seeking new caravan loans](/ "Support and services for caravan finance seekers"). While we have done our best, information is changing sometimes multiple times in a day and will vary across jurisdictions. For the latest details for your circumstances and area, refer to the links and your state authorities. ## **Major Banks Pledge Support** The major Australian banks have already pledged their support for borrowers who are facing hardship as a result of the current lockdown orders. During the 2020 crisis, the banks were extremely supportive across the board but as these current lockdowns are more regionally focussed, the relief may also vary. At this stage, Westpac, ANZ, NAB and CBA are indicating relief to reschedule repayments and other commitments and/or address fees for existing customers. The level of relief and support will of course vary according to the eligibility criteria of each lender. Support will also vary for personal borrowers and businesses. Any requiring consideration for hardship around any type of loan or credit arrangements should contact their lender. ## **Current Caravan Finance Borrowers** Whether or not you arranged your existing caravan loan through Jade if the current lockdown has to create financial hardship for you, you should immediately contact your lender and discuss the options available. Individual lenders, both banks and non-bank lenders will have policies in place for those that meet eligibility guidelines. Any support by way of repayment deferrals etc will usually have to be sought. Some lenders may reach out directly to their customers and outline the support available. If considering rescheduling loan payments, ask the lender what the situation is in regard to interest charges. If repayments are deferred, will interest continue to be charged or will it be paused? This is important for any deferred payments may still attract interest and will prolong the loan term and may result in a greater amount of total interest payable. Remember, [with Jade’s Secured Caravan Loan, additional payments are permitted](/secured-caravan-finance "Flexibility with Jade's secured caravan loan"). So if you defer or address payments now and you’re situation improves at a point ahead, you could make extra payments in the future and counteract any additional interest charges. If your hardship concerns are longer-term, speak with one of our consultants about the options for refinancing your existing caravan loan. Fees and charges do apply when setting up a new loan but the process does present an opportunity to address your current loan repayment amount and seek a lower more sustainable level. It is important to address any of these concerns as simply failing to meet repayment commitments can have a negative and long term impact on your credit profile. ## **New Caravan Loans** Jade Caravan Finance is set up for online and contactless operations so we are ideally positioned to continue business as usual. Throughout the entirety of 2020, we continued to provide our full range of services to customers and intend to do so through this current crisis. Wherever you are in Australia, if you are or are not impacted by a lockdown, we can assist with caravan loans. - If you recently contacted us to apply for a caravan loan or request a quote, that process is underway and will continue. - If you applied for a loan recently and current circumstances have you rethinking your situation, you are welcome to contact us to discuss pausing the process. - If you are about to apply for caravan finance to make that purchase, then it’s all systems go! Our complete caravan finance services are available. Contact us for quotes and applications either online or over the phone. - If your loan application is approaching settlement, our consultants can finalise the process by liaising between the lender and your caravan dealer. You do not have to present in a person from our part in the process to complete the sale. The dealer will no doubt be obliged to delay your delivery date until the lockdown eases. Lockdowns do not directly affect interest rates or the types of loans available for purchasing a caravan. Our free caravan loan calculator and [our online caravan finance interest rate comparison table will be available at all times for your convenience](/interest-rates "Access caravan finance interest rate comparison table online"). ## **Support from Government** Eligible persons and businesses can seek hardship support via federal and state governments. Different measures are in a place subject to criteria. For disaster payments under federal measures head to Payments are available through the existing My Gov system. Cash payments are available for eligible individuals. Payments for those in Greater Sydney affected by the lockdown are available from 1 July but you will need to apply as payments do not automatically flow. State governments are offering their own individual arrangements, primarily to businesses impacted by the health orders. Those affected should refer to their state authority website for details of how to apply. ## **Travelling during Lockdown** Using your caravan during lockdown will be subject to the restrictions in your area. For those that were already away from their home base when the stay at home orders was implemented, check how that applies to you on the state website. Borders are closed and many are not permitted to travel outside their local region. So your travel plans may have to be put on hold. ## **Caravan Finance Support** Our team continues to provide our comprehensive and complete caravan finance services under the current circumstances. We welcome new loan enquiries and any queries from those with applications in process. [If you would like to utilise our caravan loan calculator to estimate repayments, please click here](/loan-calculator "Estimate repayments with our caravan loan calculator"). The current lockdown has further highlighted the appeal of the caravan lifestyle to get away from it all. Many of the regional expos and caravan shows may be cancelled, so ensure you check the event details for updates. **Call 1300 000 003 to discuss a caravan loan with a consultant** *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.* **Categories:** Loan Tips --- ### [Importance of Your Credit Score For Your Caravan Loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/importance-of-your-credit-score-for-your-caravan-loan) **Published:** June 29, 2021 **Author:** Publisher **Content:** Amidst all the [restrictions and issues around the current COVID-19 lockdowns](https://www.australia.gov.au/), there is one important issue that caravan loan holders should not overlook – your credit profile. Those facing financial hardship due to business closures and loss of work due to the restrictions may be presented with difficulties in making their scheduled monthly caravan loan repayments. Failing to meet repayments can escalate into a loan default scenario. This can have long-term ramifications. When borrowers default on loan payments, lenders report these defaults to the Credit Reporting Agencies. These reports are marked negatively on individual credit reports and result in a lowering of a credit score. We highlight the importance of your credit score and your overall credit report in regards to your existing and future credit and loan plans. ## **Credit Scores and Reports** A credit report also referred to generically as a credit profile, is a report compiled by agencies on an individual’s creditworthiness. That is how they rate in terms of risk for lenders. These reports are compiled with reports made by lenders, banks and providers of services and utilities that issue bills to their customers. Late payers are reported to the agencies and this is listed on the individual’s credit report. Payments related to all types of loans, credit cards and other household bills such as power and telecommunications as well as council rates and charges. [Applications for loans and credit card limit increases are also reported to the Credit Reporting Agencies and noted on a credit profile](https://www.oaic.gov.au/privacy/credit-reporting/access-your-credit-report/). Multiple applications for loans or credit cards can impact negatively as it may convey a desperate situation to source funds. By using a lender such as Jade Caravan Finance to source a loan quote from across our multiple banks and lenders, does not attract the same negative effect on a credit profile. Credit reports are created automatically when a person applies for or holds a credit or loan account. Lenders report on performance in line with the guidelines. These entries on a credit report are accumulated and from the entries, a value or credit score is calculated. Scores range from 1 to 1200 with a high credit score is considered good and a low credit score bad. These scores and reports are compiled and held by Credit Reporting Agencies which include [Ilion](https://www.illion.com.au/), [Experian](https://www.experian.com.au/) and [Equifax](https://www.equifax.com.au/personal/). When assessing a loan application, lenders will refer to a credit profile and score as a normal part of the assessment process. A low credit score and bad credit profile may mean a lender will not offer as good an interest rate on a caravan loan as the borrower poses a perceived higher risk. Alternatively, additional strict conditions may be placed on the loan such as a lower total loan amount being approved. This would mean the caravan buyer may have to pay a deposit to reduce the amount being requested. ## **Checking and Repairing a Credit Report** Individuals can request a copy of their credit report from the agencies. You are entitled to a number of free copies in a certain timeframe, so don’t be tempted by some organisations that charge for this service. Check the free options first. The Australian Government provides extensive information around credit scores and reports at The information includes steps that individuals may be able to take to have any incorrect or outdated entries on their report excluded. If you are intending to apply for a caravan or any other loan and you think you might have some issues from past loans, it can be wise to take action before making a new application. ## **Actions and Outcomes** There are actions that individuals can take to maintain a good credit score and avoid the serious outcomes caused by having a bad credit profile. When taking on a caravan loan, ensure you continue to meet the repayment schedule as agreed to. Missing payments on a regular basis can lead to your caravan being repossessed. [With a secured caravan loan the goods are used as security against the loan](/secured-caravan-finance "Security and Peace of Mind with a Secured Caravan Loan"). This gives the lender the right to repossess the goods if the borrower fails to meet their commitments. When goods have repossessed the lender then on-sells them to recoup what is owed to them. If the monies outstanding are not met by the resale, the borrower is still liable for the balance. If your financial circumstances change at any time during your loan term and you face difficulties in meeting your repayments, you should address the situation and not simply default. If you face hardship due to COVID-19 restrictions or other natural disasters, support through government agencies and lenders may be available. Reach out to see what is on offer. Contact your lender and discuss the options that they may offer you. If your situation appears to be continuing for a longer-term, consider contacting us to discuss [refinancing your caravan loan to a lower more manageable monthly repayment](/caravan-refinance "Optimise your caravan loan with monthly repayment refinancing"). When taking out a new loan, pay close attention to repayments and terms and opt for realistic amounts that you can manage over the term of the loan. Additional payments are permitted so you can always pay a little extra against your loan if your circumstances permit. By using Jade Caravan Finance as your lender, not only will our multiple-lender [sourcing of the best and cheapest quote for caravan finance](/ "Find the best and cheapest caravan finance quote"), will not impact negatively on your credit score but you will also receive the expertise of our consultants to structure a loan that works for you and your credit profile. **Contact 1300 000 003 for a quote on a caravan loan** *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.* **Categories:** Loan Tips --- ### [Wait List and Pre-Order Caravan Buying: Loan Arrangements](https://www.jadecaravanfinance.com.au/blog/loan-tips/wait-list-and-pre-order-caravan-buying-loan-arrangements) **Published:** July 6, 2021 **Author:** Publisher **Content:** The latest round of coronavirus outbreaks and lockdown restrictions is likely to generate even greater interest in the caravan lifestyle. [The industry has experienced a massive surge in sales over the past 18 months with many manufacturers dealing with production pressures and buyers with delayed deliveries](https://www.9news.com.au/national/caravan-sales-boom-as-aussies-holiday-locally-during-covid-pandemic/8f122576-2854-4a50-a18c-e87516f48405 "Caravan Industry Surge"). Most caravans are built to order so buyers can select finishes and fixtures to their choice and essentially ‘build’ their van from the floorplans and options available to suit their travel style. Under normal circumstances, this can mean at least a few weeks between ordering and taking delivery. Under COVID conditions, that may be pushed out even further. Buyers of some popular makes and models are registering on wait lists and pre-ordering well ahead to ensure they receive the caravan of their choice. But how do this waitlist and pre-order process work in regards to securing your caravan finance? At Jade Caravan Finance we make it as seamless and flexible as possible for our customers. ## **Flexible Pre-Arranged Caravan Finance** As key lenders to the recreational vehicle market, we fully understand and appreciate the current circumstances around stock availability and delivery times. With this in-depth industry information, we can tailor our finance offerings to suit buyers and ensure we facilitate a streamlined caravan acquisition process from the finance aspect. When [seeking finance for a caravan purchase](/ "Explore Caravan Purchase Financing Options"), buyers can either apply after they have placed an order or committed to a sale or prior to purchasing. Arranging finance prior to purchase is an increasingly popular way to go as it presents many advantages to buyers. One of the key benefits is knowing that your loan application has been approved for the amount you are looking to spend. For those that may not have sought finance for leisure goods previously, they may have a lot of question marks over what loans are available, their own borrowing capacity and what their individual repayments will be. A pre-approved caravan loan enables all those issues to be known prior to make the commitment to buy. Buyers can commit within their borrowing capacity rather than scrambling post-purchase to source a loan to suit the price they’ve paid. Pre-approved caravan loans are arranged via the same process as post-purchase loans. However, as the loan is arranged prior to knowing the exact purchase price of their caravan, there are some differences:- - Pre-approved loans are issued for a set time period. After the expiry time, the loan would need to be reviewed. There is no obligation with pre-approved loans so if the borrower does not proceed with a purchase, the loan application simply expires. - As a pre-approved loan is arranged before the final purchase price is known, it will need to be reviewed on receipt of the invoice from the manufacturer. - When a final invoice is received by our consultant, the loan would be reviewed and finalised. If the final price is more than originally estimated and originally applied for, repayments may be different. - Depending on the timeframe elapsing between applying for a pre-approved loan and finalising the loan, the interest rate may be the same as when the loan application was made and hence no change would apply. - When the final pricing is known by the buyer, the buyer may choose to vary the loan term on a pre-approved loan to achieve their preferred repayment amount. - The loan amount on a pre-approved loan may be increased by the buyer with the inclusion of extras on the caravan which are selected and ordered during the manufacturing process. - If a pre-approved loan expires and within a short time frame the applicant seeks to re-apply for a loan, the application process may be expedited as many of the approval aspects had previously and recently covered. The outcome would depend on any changes to the applicant’s income or credit rating during the time period. - Pre-approved loans can be applied for at any time. If the delivery or ‘wait’ time for the caravan exceeds the timeframe for the pre-approved loan, your Jade consultant will advise of the most convenient way to handle this situation. By engaging Jade Caravan Finance as your lender, your consultant will be handling these issues on your behalf to simplify the process. ## **Types of Wait List Boat Loans Available** If you’re looking at pre-ordering a caravan, camper trailer, campervan, mobile home or another type of RV, we offer our full portfolio of loan options for both private and business buyers. For private buyers, [our Secured Caravan Loan is the most popular loan type](/secured-caravan-finance "Explore Popular Caravan Loan Options") while [most business buyers are opting for a Caravan Chattel Mortgage](/chattel-mortgage "Caravan Chattel Mortgage") at the moment. Both follow secured loan formats and include our cheap interest rate offers. Both loans can be secured on a pre-approved or post-order or purchase basis. To discuss how best to approach your finance if considering pre-ordering your caravan or registering on a waitlist for a certain model, speak with one of our experienced Jade Caravan Finance consultants. We can present the options available for you and source you the cheapest quote from across our vast lender panel. **Call 1300 000 003 to discuss lending with a Jade Caravan Finance consultant** *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.* **Categories:** Loan Tips --- ### [Don’t Go It Alone: Lenders advice to caravan finance lockdown customers](https://www.jadecaravanfinance.com.au/blog/loan-tips/dont-go-it-alone-lenders-advice-to-caravan-finance-lockdown-customers) **Published:** July 13, 2021 **Author:** Publisher **Content:** The message from banks and non-bank lenders to their customers currently experiencing an extended lockdown is not to try to go it alone in handling your financial situation. Two leading financial associations have issued statements of support to customers and those requiring assistance are encouraged to reach out. Despite dealing with various coronavirus outbreaks through the first part of 2021, most Australians were likely feeling positive about the national situation achieving some level of normality or at least consistency in regards to restrictions. But [recent outbreaks in several states including a very serious and escalating situation in Sydney have highlighted the very real and continuing threat of this pandemic in the community](https://www.canberratimes.com.au/story/7335992/business-help-imminent-as-sydney-outbreak-worsens/). While Queensland, the NT and WA have all emerged from snap lockdowns, the Greater Sydney and adjoining areas remain under stay at home orders with cases increasing and an extended lockdown on the cards. It has been acknowledged by both Governments and lenders that the impact of a Sydney lockdown can have serious flow-on effects through NSW regions and the rest of the country. The lending sector has responded swiftly so if you have a current caravan loan and are experiencing financial pressures, support may be available for you. We have canvassed sources for additional support to provide our customers with the information they may require and will be continuing to monitor the situation and provide our own assistance to our customers currently organising caravan finance. ## **Australian Banking Association Support** The major banks, the Big 4, were quick out of the blocks to offer support to lending customers at the end of July as soon as the Sydney stay at home orders were put in place. That support has now been extended with the ABA CEO, Anna Bligh, issuing a statement on 8 July with an additional support package. [More information here](https://www.ausbanking.org.au/transcript-anna-bligh-how-banks-can-help-the-vaccine-rollout/). ### While Ms Bligh said that solutions were being tailored by the banks for individual customers, general guidelines were announced in regard to a support package. The key details include:- - Customers with loans that need assistance will need to contact their bank and make applications for support in regard to loan repayments. - Information in the ABA statement on the association’s website relates to home mortgages and business loans. - With no clear indication of what is on offer for consumer finance such as for caravan loans, we encourage those affected to contact their bank. In a TV interview, Ms Bligh did indicate that consumer finance relief was being planned. - Support for business loans includes deferring loan repayments for a period of 3 months and the term of the loan extended accordingly. - Small businesses with less than $5 million and lending of under $3 million are included. - Relief for businesses is for business loans that are currently in good standing. - Support also available in regard to fees on merchant terminals, and other fees. - Home mortgage deferrals available. An important aspect that Ms Bligh covered in a media interview was in regard to customers that had previously received deferrals and other support for their loans during 2020. She said that receipt of previous support would not preclude individuals and businesses from receiving this current support package. [The ABA has 22 bank members as it represents financial institutions that hold the official status of a bank](https://www.ausbanking.org.au/about-us/aba-members/). Jade Caravan Finance is accredited with many of these ABA members and we may have arranged your caravan loan with one of these banks. If so and if you require repayment support during this current crisis, you are directed to contact your bank to discuss a suitable arrangement. ## **Non-Bank Lending Support For Caravan Loans** While banks are members of the ABA, the non-bank lending sector has its own association – the Australian Finance Industry Association. This association has many of our non-bank lenders as members and may include your caravan loan lender. The AFIA has issued on their website a statement that provides general guidelines as to the type and level of support which its members are offering customers during this current crisis. The AFIA CEO, Diane Tate, stated that its members were urging their customers to not go it alone during this time but to reach out to their lender if they were experiencing financial difficulties. ### Some of the support which may be available to customers includes:- - Repayment deferral or a temporary reduction in loan repayments - Fee waivers - Loan restructure and refinance options - Line of credit options Click to view more on their website here ## **Support Action and Caravan Loan Options** The messaging from lenders is strong, clear and direct. Support and relief for customers impacted by the current lockdowns is available and customers should contact their lender directly to discuss the possibilities. We strongly encourage those in this situation not to delay making contact with their lender as non-payment of caravan loan repayments can have long-term effects. [By simply not making monthly loan payments without contacting your lender, can result in a negative entry on a credit score which can stay there for a long time and affect future loan applications](https://bettercreditblog.org/how-to-get-something-removed-from-your-credit-report-2/ "Managing Loan Payments and Credit Scores"). If the non-payment of repayments continues it can result in repossession of the caravan and other negative outcomes. If you consider that your changed circumstances may be longer-lasting, we invite you to reach out to Jade Caravan Finance to discuss the possibility of [refinancing your existing caravan loan to achieve a more workable monthly repayment](/caravan-refinance "Optimise Your Caravan Loan with Refinancing"). For those that are fortunate not to be impacted by the current outbreaks, we continue our lending services to source and [secure cheap caravan finance for both individuals and businesses](/ "Affordable Caravan Finance for Individuals and Businesses"). **Call 1300 000 003 to discuss a caravan loan with a consultant** *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.* **Categories:** Loan Tips --- ### [Caravan Finance Availability During COVID-19](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-finance-availability-during-covid-19) **Published:** July 15, 2021 **Author:** Publisher **Content:** With the [recent COVID outbreaks across several states](https://www.smh.com.au/national/australia-news-live-nsw-and-victorian-covid-19-cases-and-exposure-sites-grow-masks-back-on-in-melbourne-20210715-p589uh.html "Concerns Rise Over Recent COVID Outbreaks"), the appeal of a caravan lifestyle for touring and holidays continues to increase. Being able to quickly change plans with the turn of your steering wheel rather than having travel plans completely dashed with border closures and flight cancellations sounds far less stressful and far more appealing. If the appeal of caravanning is drawing you closer and closer to a caravan purchase, it could be time to consider the options available in regard to loans for RVs. As a specialist in the leisure vehicle lending market, we’re ideally positioned to provide both the information that buyers require in regard to loan availability and purchase a reality at the [cheapest caravan finance interest rates](/ "Discover the Cheapest Caravan Finance Interest Rates"). ## **Lender Scene** Despite the economic impacts of coronavirus over the past 18 months, the economy is recovering ahead of forecasts and the RBA has stated it is now transitioning to an expansion phase. This is a positive outlook for both customers and lenders. [Caravan purchases have surged since the pandemic hit and the demand for finance has also been high](https://www.abc.net.au/news/2020-06-28/border-closures-see-caravan-sales-surge-across-australia/12400134 "High Demand for Caravan Finance Amid Pandemic Surge"). Loans are available through both banks and non-bank lenders (finance companies) though the loan specifications and details will vary from lender to lender. To provide an easy reference point, [we have compiled a Caravan Finance Lender Comparison Calculator for private caravan buyers](/loan-calculator "Explore our Caravan Finance Lender Comparison Calculator"). In this chart, we have included our own current Secured Caravan Loan specs and interest rate as well as loan details from several other lenders. Unlike specialist lenders such as Jade Caravan Finance, not all banks and lenders offer a specific ‘caravan loan’. The option for borrowers will be a more generic [secured personal caravan loan](/secured-caravan-finance "Secure Your Journey with a Personal Caravan Loan"). This type of loan would typically be offered by a lender to cover a range of consumer goods purchases such as caravans, boats, motorbikes and possibly even cars. The generic nature of such a loan may not take into account the ‘positives’ associated with some purchases. As such the interest rate offered and loan conditions are more general and may include a higher interest rate than a specific caravan loan. The lending market for consumer goods is quite strong and competition in the consumer finance sector is always robust as lenders compete for business. Finance is also available through caravan manufacturers and dealers. These are usually third party arrangements with a finance company. If considering this option, look into the deal closely to avoid excessive or hidden costs or possible commissions to the seller which may inflate the cost of the overall loan. ## **Sourcing the Cheapest Caravan Loan** Borrowers can approach sourcing their caravan loan in essentially two different ways: either going it alone to contact multiple lenders to get the best offer or allowing our Jade consultants to do the work in sourcing and securing the cheapest caravan loan for you. Going it alone involves applying for loan quotes from several banks and/or non-bank lenders or simply opting for the finance deal from the seller. Those choosing the multiple-quote approach should be aware that making multiple applications for the same loan can reflect poorly on a credit profile. Lenders report loan applications to credit agencies and multiple applications may be seen as desperate rather than astute. Having multiple options to choose from may seem like a smart idea but it can create confusion. Loans need to be compared not only based on the comparison interest rate but on the specific conditions as included in the contract. This may require intensive analysis. [To compare interest rates, feel free to view our caravan loan interest rates table](/interest-rates "Compare Caravan Loan Interest Rates with Our Table"). The solo option is to simply engage Jade Caravan Finance as your source of finance. We are accredited with multiple banks and lenders and when we canvass the options on behalf of our customers, the applications are not reported on a credit profile. Our service is also much faster and you receive the expertise of finance professionals to assess and explain the loan conditions and terms in detail. You also have your own consultant to handle those tricky negotiations in regard to getting the cheapest interest rates and achieving the desired repayments. ## **Caravan Loan Types Available** As we mentioned above, the exact details of caravan loans will vary across the lending market. The primary variations include secured or unsecured loans and fixed or variable interest rates. Different loans may also be dependent on the age and type of RV being acquired. Used caravan buyers may be directed to an unsecured personal loan where the lender does not accept the caravan as acceptable security against the loan. At Jade Caravan Finance, for new purchases of all types of RVs including traditional caravans, hybrids, off-roaders, toy hauliers, mobile homes and camper trailers, our most popular loan is our Secured Caravan Loan. ### This loan suits many buyers and many caravans and includes:- - Fixed interest rate secured at our cheap interest rate. - Interest rate fixed over the entire term of the loan. - Fixed loan terms up to 7 years. - Fixed loan repayments. - Caravan used as the security against the loan. - [No deposit caravan loans](/no-deposit-caravan-finance "Secure Your Dream Caravan with No Deposit Loans") are available so the full purchase price can be included in the loan. We source and tailor loans to meet individual customer requirements. To see what your loan could look like in terms of repayments for our finance and the offerings from other lenders, simply use our Lender Calculator. ## **Applying for a Caravan Loan** In lockdown or free to roam, whatever your situation, applying for a caravan loan is straightforward and easy with our services. You can do so over the phone or via our online application form. Our consultants will handle the process and explain all the details on the way. So if you prefer to change travel plans with your steering wheel rather than spend hours online to airline and accommodation booking systems, consider buying a caravan with our cheap loan offerings. **Contact 1300 000 003 for a quote on lending for your choice of caravan** *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.* **Categories:** Loan Tips --- ### [Cheap Caravan Finance Now Available on Top of the Range Models](https://www.jadecaravanfinance.com.au/blog/loan-tips/cheap-caravan-finance-now-available-on-top-of-the-range-models) **Published:** July 27, 2021 **Author:** Publisher **Content:** For some caravan enthusiasts size does matter. The bigger, more well-appointed, more spacious, more luxurious and well-equipped the caravan, the better. What is not so keenly sought is bigger loan repayments based on higher interest rates which deliver more expensive caravan finance to purchase these top of the range vehicles. Big is great in some respects but not when it comes to [finance caravans](/ "Explore Financing for Caravans"). Fortunately, buyers can have it all – cheap interest rate finance to purchase a top of the price range recreational vehicle. Prices on caravans have reportedly increased due to a range of factors – component prices, supply chain challenges and soaring demand amongst others. You can probably add onto that list manufacturers striving to out-do their competitors with larger and more impressive models. But at the same time as prices on many models have gone in the upward direction, lending interest rates in general have reached historic low levels. Making perhaps for the ideal opportunity to capture the caravan of your dreams with our [cheap caravan finance interest rate](/interest-rates "Affordable Caravan Finance Interest Rates") deals. ## **Cheap Caravan Finance Options** We have cheap RV finance available now across the full caravan price spectrum. With interest rates currently low and our deals including fixed rates for the entire loan term, now could be time to upgrade to that better, bigger RV. A cheap caravan finance deal secured now will have that low interest rate in place for the full finance term, up to 7 years. When talking top of the price range, what are we actually referring to? In relation to the current RV market, we’re talking around, approaching or exceeding a $200,000 price tag. Our Jade [Secured Caravan Loan](/secured-caravan-finance "Secure Your Caravan Adventure with a Secured Loan") is available and well-suited to higher priced caravans. The format and structure of this loan is the same regardless of the loan amount or price of the caravan. The vehicle is accepted by the lender as the guarantee or security against the finance. That means for the majority of applicants, no additional security by way of property assets needs to be provided by the borrower. The same cheap interest rates also apply across the price range. The interest rate on our caravan loans is not determined by the price of the RV as such. Whether buying the cheapest or most expensive new caravan on the market, the interest rate offered is constant. Interest rates are based primarily on aspects of the applicant. The vehicle age and condition also comes into play with used and older vehicles. Some lenders offer general personal secured loans for caravans and these may have either a variable or a fixed interest rate. But our specific Secured Caravan Loan includes a fixed interest rate. This is of particular importance because it assures our customers that their interest rate and their loan repayments will remain fixed over the entire term of the loan. Allowing borrowers to plan other financial decisions moving forward. We have collated the current loans on offer from a number of banks and non-bank lenders so you can see at a glance what is available on the market. We have prepared this resource in the form of a loan calculator to make comparing interest rates and estimated loan repayments quick and easy. The specifics of the loan are noted for your convenience. Enter the amount and term that you would like for your loan and the calculator automatically displays the estimated repayment from the range of lenders. For a top priced caravan, securing the cheapest interest rate loan can add up to a significant saving over the full loan term. The Lender Comparison Calculator shows you just how much that could mean on your loan. Dollars saved that can be spent on other aspects of your travelling. ## **Joining the ‘200 Club’** So what do you get at the top of the price range when it comes to recreational vehicles? We took a spin around a number of manufacturers to spark buyer interest. The higher prices can be as a result of the model being equipped with systems to allow for extended time in off-the-grid environments and suspension and other mechanical inclusions to allow for travel in extreme off-road conditions. In some models, the price reflects the lifestyle that owners can enjoy. Caravans and motorhomes that are set-up in the style of high-end penthouses. Why not have all those luxuries when you’re travelling for months. [Kedron](https://www.kedroncaravans.com.au/) is a manufacturer that has a top of the range model with the lot, aptly named the Topender. Available in a 26 foot model, this has a triple axle, lithium power bank, multiple solar panels and can be customised to suit individual buyer requirements. The FXV 6.5 from Mountain Trail RV is also a very well-equipped luxury family caravan. An off-road vehicle also with lithium and solar power and a load of both luxury and essential features to enhance the experience. Other manufacturers to check out include Zone RV, the Desert Storm from [Sunseeker](https://www.sunseeker.com.au/), [Travelhome](https://www.travelhome.com.au/) and [Bushtracker](https://www.bushtracker.com/). ### **Caravan Finance Available Now** Our cheap finance deals on these top price RVs are now available with a quick quote secured by phone or online. Our consultant will source the cheapest deal and just as you have your RV customised, we’ll negotiate and tailor your finance to suit your requirements. If a top of the range caravan is on your buying list, then talk to us about a cheap finance deal. **Contact Us on 1300 000 003 for cheap interest rate caravan finance.** *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.* **Categories:** Loan Tips --- ### [Personal Best Caravan Loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/personal-best-caravan-loan) **Published:** November 20, 2021 **Author:** Publisher **Content:** From your position on the couch with snacks and remote at hand, does watching the achievements of our athletes in Tokyo create pangs of guilt or moments of motivation? Possibly thoughts of what you can be best at in your own space. One thing is certain, not all, if many, of us mere mortals have the determination, ability and skill to reach the heady heights of the athletes we watch on the world stage. But we do have the capacity and access to the resources to assist us in achieving PBs (that’s a personal best) in many areas of our lives including when securing finance. Achieving PBs can require a training regime, setting goals and most importantly surrounding oneself with the right team to advise and guide. These strategies can be adopted by those seeking to score a personal best with their caravan loan, but without the pain on route to a major gain. As specialists in leisure market lending, Jade Caravan Finance has assisted many of our customers to achieve the best caravan loan available and we share our insights into how you to may reach a personal best caravan loan **Team-up with Proven Performers** It is very common for retired champions to take on coaching and mentoring roles with up and comers. Who doesn’t want the benefit of the experience of those who know how to be a winner. The team at [Jade Caravan Finance](/why-jade-caravan-loans "Explore Jade Caravan Finance") is available to guide and direct by teaming up with our customers to organise their loans. We provide not only the expertise and resources but we do a lot of the hard work that is required to secure the cheapest caravan loans. Your consultant will work with you to secure the loan that suits your requirements from our vast choice of banks and lenders. If you choose undertake the loan sourcing process yourself, then you need to know the market. Not all banks and non-bank lenders such as finance companies actually offer a specifically named caravan loan. Their loan products may be of a more general and wide-spread nature. A loan for a caravan may come under their general Secured Personal Loan umbrella. As specialists in this market, we do offer specific Secured Caravan Loans. These loans are developed to suit leisure vehicle purchases and the specific requirements of caravan and RV buyers. This means the loans are specifically risk-assessed to suit the market and the cheapest interest rates apply. **Sourcing PB Interest Rates** In order to achieve the [best interest rate](/interest-rates "Discover the Best Interest Rates") on your loan you should have an understanding of how interest rates are set by lenders and on what basis individual loan offers are made. Each lender will carry out their own risk assessment of both a lending market and of individual loan applicants. So there are two parts to the interest rate story. First, selecting a lender that has assessed the caravan market as a good risk proposition and is prepared to offer lower interest rates for loans in this area. We’ve prepared a [Lender Comparison Calculator](/interest-rates "Make Informed Decisions with Our Lender Comparison Calculator") which sets out the data for you to easily see what a range of banks and other lenders are currently offering for caravan loans. Secondly, applicants need to have a [good credit profile](https://moneysmart.gov.au/) to secure the cheapest interest rate loan offers. All advertised interest rates by lenders will be applicable to loan applicants with a good credit score. Lenders review each applicant’s credit profile as a normal part of the loan application process. Applicants with a poor credit score are seen as higher risk and as such may be offered a higher interest rate or have special conditions included in any loan that is offered. Protecting your credit score is very important. Missed and slow payments, defaults and even multiple applications for loans are reported to credit reporting agencies and have an impact on an individual’s credit score. Stay on top of payments consistently and before applying for a caravan loan, it can be a good idea to review your credit profile and fix any errors which it may include. **The Personal Best Caravan Loan** A PB for some may be achieving the cheapest interest rate loan or it may be achieving a repayment level that works with their budget. Both are actually linked because the interest rate in tandem with the loan term determines the repayment level. Use our calculator and change the term to see how this all works by changing the repayment level. To stay on track with loan repayments, it is a good strategy to select a loan term that results in an amount that works for you. A longer term will deliver lower caravan loan repayments but it will be a longer time before you own the van outright and more interest is payable in total. A shorter term will mean higher monthly loan repayments but you pay less overall in interest and you own the caravan sooner. Some of these decisions will need to be considered in context with overall financial goals and obligations and that may require input from a financial advisor. Financial advisors as distinct from lenders such as Jade, are also an important member of an expert team. When you have set your goals in regard to repayments, your Jade consultant will be negotiating with our lenders to achieve you both the cheapest interest rate and the repayment level that you prefer. **Stay on Track** One attribute which seems to define high achieving athletes is their ability to focus on their goals and avoid being distracted. That can also apply to sourcing a caravan loan. Many manufacturers and caravan dealers now offer the opportunity for buyers to sign up for finance when buying. This can seem like a very convenient way to secure finance. But it may also signal an abandonment of your quest for a PB. Dealer finance can be priced higher than we can achieve and that would mean you not achieving a PB. Before signing up to loan offers purely based on convenience or in response to what appear OMG deals, please ask us for a quote to compare. Alternatively, use our calculator on your mobile while in the showroom to get a rough estimate on repayments that we may achieve for you. Achieving a PB caravan loan is a very real and attainable goal if you follow a proven plan and especially engage with the experts at Jade Caravan Finance. **Call 1300 000 003 to discuss a caravan loan with a Jade Caravan Finance consultant** *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.* **Categories:** Loan Tips --- ### [How good is caravanning with a great caravan loan!](https://www.jadecaravanfinance.com.au/blog/loan-tips/how-good-is-caravanning-with-a-great-caravan-loan) **Published:** November 20, 2021 **Author:** Publisher **Content:** Border restrictions and snap lockdowns continue to hamper holiday and travel plans for many Australians and very often with little or no prior warning. Often occurring while travellers are mid-flights. A popular observation has been that of the 2021 lockdowns seem to coincide with school holidays which leaves families housebound and bound to be yearning to get away as quickly and easily when allowed. Reports are widespread of people facing difficulties in getting refunds on accommodation bookings which had to be cancelled due to COVID issues. These are just a few of the factors and considerations which play perfectly into the hands of the positives around how good it is to own a caravan. Caravan holidays are not just a back-up plan but can be Plan A, B, C and D. Travellers can change plans in terms of routes and destinations quickly and easily when they original plans are dashed. And there are plenty of great holiday parks within a short drive of most people for those short getaways whenever you want. Thousands of Australians have turned to caravans through this COVID-era and are enjoying the benefits. If caravanning is drawing you in, we outline how we can assist you make it a reality. Jade Caravan Finance explains how good is caravanning with a great caravan loan. **Attributes of Caravan Lifestyle** Just to add weight to our earlier statements, caravans offer freedom and flexibility with your holiday and travel plans and even your work plans. If you can work from home, then possibly you can work from your caravan, at the location of your choice. Most caravan owners will have their vehicle ready to go at most times so they can head off virtually at a moment’s notice. Once on the road, you can stay as long or as short a time as you like, depending on your other commitments of course, Except for reserving a site at a [holid](https://www.big4.com.au/)[a](https://www.big4.com.au/)[y park](https://www.big4.com.au/), there is no complicated booking process involved. If you head off-road in an off the grid equipped van there are plenty of [free camping sites](https://www.campsaustraliawide.com/free-camping-sites-nsw/) across the country which involve no bookings and no fees. If travelling through a range of climates, you can take as much luggage as your vehicle allows without incurring surcharges and weight restrictions such as apply on airlines. And you can take your recreational toys and sports equipment such as bikes, small boats, canoes and other paraphernalia. There’s a great community on the road and plenty of opportunities to meet new people and share experiences. **Wide Range of Models and Prices** Whether you’re travelling solo, duo or with a full complement of friends and/or family, you’ll find a caravan model to suit your requirements but it’s better with a great caravan loan. Australia has an extremely active, reputable and high standard caravan manufacturing industry and builders offer a wide range of models in their collections. Under the umbrella category which is typically referred to as ‘caravans’ you will find traditional and off road caravans, camper trailers, campervans, RVs, toy haulers and mobile homes. Buyers select the model that suits where they intend to travel and what activities they plan to engage in while away. Another buying consideration is your towing vehicle. Some smaller vans can be towed with medium sized passenger cars rather than larger vehicles. While RVs suit those that don’t want to take a separate towing vehicle. Campervans are ideal for the carefree that don’t need much space and no special driver licence or skill is required to operate most models. Prices range from the budget models available from most manufacturers right through to ‘penthouses on wheels’ style caravans. The level of luxury that is incorporated into some models is mind-blowing! But buyers can make their selection based on price and can choose to include or not include many of the optional extras. Many caravans are built to order which gives buyers the opportunity to set theirs up to suit budget and travel style. **Getting Your Slice of this Lifestyle Action** If you are drawn to the caravan lifestyle but are not sure how to make it happen, we can assist with finance. As specialists in this area of recreational vehicle finance, we offer specific [Secured Caravan Loans](/secured-caravan-finance "Secure Your Caravan Dreams with Secured Loans") which cover all types, makes and models of caravans and RVs. This is not the case with all lenders. You may find you are offered a generic secured loan which a lender may have in their portfolio to cover a wide range of goods such as boats, motorbikes and caravans. We have provided an easy reference tool for buyers to see what some of the leading banks and other lenders are offering for caravan loans. You can see on [this chart](/interest-rates "Explore this Chart and Loan Calculator"), which is also a loan calculator, the different features of each loan in regard to fixed or variable interest rate, the interest rate and comparison rate on offer and any other basic t&c’s. Our Secured Caravan Loan suits many buyers as our consultants will source and negotiate loans to suit the individual requirements of our customers. We eliminate the need for our customers to shop around for quotes and engage in the complex and sometimes confusing process of comparing the fine print and loan costs of different offers. Caravanning is a great way to enjoy holidays and extended touring and when using [Jade Caravan Finance](/why-jade-caravan-loans "Jade Caravan Finance: Your Trusted Financing Partner") as your lender, our services ensure that enjoyment starts with the buying and finance stages. To find out for yourself how good caravanning can be, start with a call to us for a loan quote. **Contact Jade Caravan Finance on 1300 000 003 for a quote on caravan finance.** *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.* **Categories:** Loan Tips --- ### [Avoid overcrowded holiday parks with an off-grid caravan at cheap finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/avoid-overcrowded-holiday-parks-with-an-off-grid-caravan-at-cheap-finance) **Published:** November 21, 2021 **Author:** Publisher **Content:** The COVID-19 pandemic has led to a significant increase in caravan sales over the past 18 months. The lifestyle offers versatility and flexibility when making holiday and travel plans with the freedom to quickly change plans when new restrictions are put in place in some areas. This surge in interest is great for the industry but it does mean greater competition for the sites in holiday parks and at other stops and sites. There are reports of having to book your caravan site up to 12 months in advance. Whoa! That seriously diminishes the flexibility and freedom benefits. Jade Caravan Finance provides info on how to avoid overcrowded holidays parks with an off-grid caravan at [cheap finance](/new "Affordable Finance Options Await You"). The appeal of recognised [holiday parks](https://www.big4.com.au/) is the facilities and convenience offered – power, water, bathroom and recreational activities in particular. But if having more space, solitude and privacy is your thing, consider the options available to over the over-crowded parks with an off-grid caravan. There can be quite a broad definition of off-grid caravans but essentially we are referring to models that allow for varying degrees of self-sufficiency and hence negate the need to stay in a holiday park. Many models these days have solar power units and large grey water tanks which make them extremely self-sufficient. The extent of these features in terms of capacity may determine how long you can last without support facilities. Another variation on this definition is off-road models which enable owners to head off the black top. These models also vary from semi to fully off-road. Owners of these types of vehicles can enjoy even greater freedom in travelling through more remote areas and staying at a range of locations and sites without support facilities. If this sounds like an option you would like to explore, we’re covering off on the important basics of finance, makes and models available and ideas on finding places to stay in an off-grid RV. **Finance for Off-Grid Caravans** As specialists in finance for RVs, when we talk caravan finance we are referring to all types of recreational vehicles. The term ‘caravan’ in many contexts is used in an umbrella context to cover traditional caravans, off-road caravans, camper trailers, campervans, mobile homes, hybrid caravans, toy haulers and RVs. Our lender service and loan products are available for the purchase of all these types of caravans. For the purchase of off-grid models, the same loan product applies as for traditional and other types of vans – our [Secured Caravan Loan](/secured-caravan-finance "Secure Your Adventure with a Secured Caravan Loan"). This highly versatile loan has a universally recognised structure and format which applies to most secured loans on a range of new goods. The goods, in this case the caravan, is the security against the loan. The borrower repays the loan over the set loan term in monthly instalments. The type of van does not of itself determine the type, structure or pricing of loan. The exception being with used caravans where the age and condition of the vehicle is considered by lenders when pricing the loan. With new caravan loans the credit profile of the applicant and other aspects of the loan application are key determinants of the loan offer. Another key determinant in achieving the cheapest interest rate caravan loan is choice of lender. Refer to our [Lender Comparison Calculator](/interest-rates "Compare Lenders with Our Comparison Calculator") to see the difference in interest rates offered on caravan loans by a number of banks and non-bank lenders. Enter the amount you would like for your loan to see the differences in monthly repayment estimates across the lender panel. At Jade we provide fixed interest rate caravan loans with fixed terms up to 7 years and fixed repayments so our customers can have the reassurance that their finance is secured over the full term. **Popular Makes and Models** Most leading caravan manufacturers now offer at least one off-road model if not several in their line-up and there are manufacturers that specialise in off-grid, fully off-road vehicles. Vehicles designed to enable the owners to exist off-grid for extended time periods either for work or recreational travel purposes. To find the links to caravan manufacturers to explore refer to the [industry association](https://www.caravanindustry.com.au/accreditation/industry-supplier/accredited-suppliers/) Most caravans are built to order so buyers can specify many aspects of the fit-out to suit their particular travel plans. For those seeking to be self-sufficient for longer, consider boosting the standard power units and grey water tanks with additional units. If included at the time of purchase and on the invoice, those extras can be included in the total loan amount. **Places to Stay** Once you’re set with your off-grid and possibly off-road caravan, it’s time to plan where you can stay. When travelling on main roads and highways, there are many rest stops which permit overnight stays in the interests of driver fatigue. Experienced travellers do warn that rest stops on some popular routes might fill up so it’s wise to get to your intended overnighter in the afternoon. Some states do not allow overnight parking/sleeping of RVs in places that are not officially designated for that purpose. Best to check restrictions and signage before setting up camp. To encourage visitations, free camping areas have been set up in country towns. These may be on the outskirts of the town, at a local showground or other location. Free camp sites are located around the country and a simple online search should give you some options. Also search farm stays and support rural producers while you travel. If planning to travel through and stay in a National Park, always check the restrictions around where you can and can’t stay in a caravan. While camp sites may be designated, that may not permit caravans, only small campers or tents. Pets are usually not permitted in national parks. And of course you can find your own way off the beaten track to secret, lesser known locations to make your very own. So don’t let talk of crowded holiday parks put you off the idea of getting into the caravan lifestyle. Talk to us about finance on an off-grid caravan loan and go your own way! **Call 1300 000 003 to discuss a caravan loan with a Jade Caravan Finance consultant** *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.* **Categories:** Loan Tips --- ### [August RBA Interest Rate & Monetary Policy Statement](https://www.jadecaravanfinance.com.au/blog/loan-tips/august-rba-statement-on-interest-rates-monetary-policy) **Published:** November 21, 2021 **Author:** Publisher **Content:** Against a backdrop of an estimated 16 million Australians under some form of lockdown restrictions and thousands isolating following COVID-19 tests, the scheduled [RBA](https://www.rba.gov.au/ "Access research and publications by the RBA") monthly board meeting proceeded on 3 August. Jade Caravan Finance provides an update on the August RBA Statement on interest rates and the impact on caravan finance. In addition to the monthly meeting to discuss interest rates and monetary policy, in the same week, the Bank released its Quarterly Statement on Monetary Policy and the Governor Philip Lowe made an appearance before the [Economics Committee of the House of Representatives](https://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics "Access research and publications by the House Economics Committee"). The appearance was, as so many other business people had to do that week, was via teleconference. In one of the most serious periods of the pandemic in Australia, some may have been looking to the RBA for direct individual relief or support. But delivering specific financial support to individuals and businesses is not the role of the RBA. Its role is to deliver support through stimulus measures via monetary policy which is continuing. However, as Dr Lowe pointed out in his address to the Economics Committee, the RBA is the banker to the Australian Government. As such, the bank has been working closely with Services Australia to ensure the disaster payments are flowing as quickly as possible to individuals. ## RBA Statements and Decisions At the August meeting the RBA board held the official cash rate at 0.1% and confirmed its plan to continue with its bond buying policy as previously communicated. Decisions which continued the same theme as the past few months and were not surprising. In the explanatory, accompanying statement, the current outbreaks and lockdowns were noted and expected to result in a fall in GDP in the September quarter. It was noted that the economy had been bouncing back in a very positive way prior to the current virus outbreaks. As previous experience had demonstrated, the economy had recovered well once outbreaks were contained and restrictions lifted. It was noted that the vaccination program would assist recovery. It was noted that unemployment figures had been positive but it would be expected that that the current virus situation would impact that trend. But that the unemployment rate would be expected in the 4.5% range in 2022 and around 4% in 2023. The Board repeated its commitment to current bond buying policy with a flexible approach in regard to the health situation and resulting economic conditions. The Quarterly Statement on Monetary Policy released on 6 August, essentially explains and outlines the rationale behind RBA decisions over the period. The key themes were addressed by Governor Lowe in his appearance before the Economics Committee. These included the faster than expected bounce back of the economy; the impact of outbreaks; slow wages growth; the expectation of a bounce back after restrictions are lifted; and the substantial support provided by the RBA monetary policy to the economy. ## Outlook for Interest Rates Borrowers would no doubt be looking for the key take-outs from the RBA statements in respect to their current loans and future financing plans. That is – what will happen with interest rates? The RBA stated that the economic outlook was uncertain and dependent on the health situation. The targets which would trigger a decision by the bank to lift rates were once again stated as lower unemployment and inflation sustained in the 2% to 3% range. This was clearly clarified in the statement that not simply edging over 2% inflation but being sustained well into the 2% range over several quarters was required. Currently inflation sits at 1.75% The RBA again stated their outlook was that interest rates would not be raised until 2024 and provided the scenario as to a timeframe for inflation and unemployment targets to be achieved. ## Impact on Caravan Finance Rates It should be highlighted that the RBA sets the official cash rate which is essentially the cost of borrowings between Australian lenders. The rate which forms the bottom line, starting point from which individual banks and lenders then set the [caravan loan interest rates](/interest-rates "Discover our low-interest options for financing caravans") they are prepared to offer in their lending sectors. Lenders sourcing funding from international rather than Australian sources may be subject to higher rates and costs to acquire their funds. This may result in some lenders increasing their own lending rates. Increases in rates by some lenders may also be seen in some loan categories due to a change in the level of confidence in a sector or for other reasons. To circumvent any potential effects of such activity on our caravan finance rates, Jade Caravan Finance has accreditations with a diverse and extensive selection of banks and non-bank lenders. This provides us with the ability to consistently achieve the cheapest rates achievable for individual loan applications. Different lenders have varying approaches to loan sectors as you can easily see on our Lender Interest Rate Comparison Calculator. It details the types of loan products offered for caravan purchases and the current interest rate offered by a range of lenders. Note that our [Secured Caravan Loan](/secured-caravan-finance "Get started with our protected caravan financing") attracts a fixed interest rate. Be assured that this fixed rate would apply to repayments across the entire loan term. With terms available for up to 7 years, a caravan loan secured at current low rates would not be impacted by any rise in interest rates in 2024 or beyond. The next meeting of the RBA Board is scheduled for the first Tuesday in September. This is just following the current deadline for Greater Sydney to exit lockdown on 28 August. The effect of the lockdown on the economy and unemployment should be known and no doubt will be reflected in the Board’s statement at that time. In the meantime, we continue to support customers with new caravan finance and provide refinancing services for those looking to vary their current commitments. **Contact Jade Caravan Finance on 1300 000 003 for a quote on caravan finance.** *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.* **Categories:** Loan Tips --- ### [Finance Options for Share Caravans](https://www.jadecaravanfinance.com.au/blog/loan-tips/finance-options-for-share-caravans) **Published:** November 22, 2021 **Author:** Publisher **Content:** Owning your own caravan is highly desirable for many people. But if you only plan to use the caravan for a few weeks and possibly the odd weekend each year, owning one yourself may not be a cost-effective proposition. There is also the current issue of securing a new caravan due to the surge in demand which has seriously diminished supply. Many people no doubt share that point of view and while hire caravans are available, another option is also available – share caravans. Timeshare holiday apartments have been around for decades and similar boat-share set-ups are also available. So it is not surprising that a caravan share option would also emerge. Jade Caravan Finance outlines the finance options for share caravans and how to secure your loan. Those looking to share the costs and use of a caravan with other parties have a number of options to consider. A business operation has been set-up which offers a percentage share ownership in a brand new caravan for a certain number of days use during each year. This will no doubt be an attractive option for many seeking to enjoy the caravan lifestyle without taking on the full commitment of full ownership. Another less formal option is to set-up your own caravan share arrangement or joint ownership with family or friends. Several families, couples or individuals or a group of friends may choose to buy a new caravan together to share both ownership and their time away together. That can make a lot of sense to a lot of people as it means sharing the maintenance and other ongoing costs such as insurance and storage. But what if you require a loan to fund the purchase of your share of the caravan? What loan options would be available to cover this type of share caravan acquisition? We explain our caravan loan products and provide some insights into aspects to take into consideration. Weighing up the pros and cons of sole versus joint ownership options. ## Caravan Loan Types Our most popular loan for the purchase of all types of caravans, campers and RVs is the [Secured Caravan Loan](/secured-caravan-finance "Your pathway to caravan ownership: collateral loans"). Following the universal format for secured loans, with this type this of loan the caravan is the security or guarantee against the loan. A simple to follow, straightforward format which is highly versatile and suits most of our customers. But in the case of joint ownership, a party to the arrangement taking out a loan would not rightfully be in a position to put the entire caravan up as security against the loan when their share of the vehicle is not 100% of the goods. The complication being, if that party defaults on their loan and the caravan is repossessed, all parties face the prospect of losing their share in the asset. For those considering shared or joint ownership, an [Unsecured Personal Loan](/unsecured-personal-loans "Click here for information on unsecured personal loans") may suit their requirements. As denoted by its title, this type of loan does not use the goods as security against the loan. Security by way of other property or assets may be requested by the lender and the interest rate is higher than for a Secured Loan. But this may be a very attractive and viable option for those entering a share or joint caravan ownership arrangement. We refer you to our webpage to read the full product details of Unsecured Personal Loans and invite you to contact us to discuss or request a quote. ## Considerations: Sole v Joint Ownership To make a sole purchase of a caravan our Secured Caravan Loan is suitable for most buyers and for those considering a shared or joint purchase, the Unsecured Personal Loan may suit. But there are other aspects to consider. We pose a few points for buyers to consider:- - Some of our lenders do have minimum loan limits so joint buyers would need to be requesting a loan above the threshold. - Study and review all the details of [timeshare companies](https://en.wikipedia.org/wiki/List_of_timeshare_companies "Browse resources on leading timeshare companies") including the management fees charged by the companies and the exit arrangements. When all the fees and charges are added up, owning a caravan solo could be a more cost-effective option, especially with a cheap interest rate loan. - If taking on finance for your share, ensure that your loan term is in sync with the selling cycle of the share company. Timeshare companies and possibly the family/friends group may have a timeframe when they regularly upgrade or choose to sell the caravan. If your loan term extends beyond when the caravan is sold, borrowers may be up for break fees for ending a loan early. - Unsecured loans may require other property of assets as loan security. This would tie up another of your assets for the duration of your loan. - Interest rates on unsecured loans are higher than for comparable secured loans. With the current cheap interest rate climate and our ongoing commitment to better interest rates, you may discover the repayments on buying your own caravan are more cost-effective than you think. Use our calculator to work up the different options. - Joint decisions require consensus and with a shared caravan with family/friends that can mean travel and holiday plan decisions. Make sure you select partners that share your interests and are keen to travel to the same places as you. - If considering partnering with another family with children on a shared arrangement, pay attention to the ages of all your children. As children grow their interests change and within a few years you may discover your holiday and travel preferences are heading down separate routes. - Buying your own caravan with sole ownership provides you with equity in an asset as you pay down the loan. This asset may be used as part of applications for other forms of finance and loans. Having a shared option may not provide the benefits. After considering all the pros and cons, if you decided that a shared ownership caravan arrangement is your preferred option, contact us to discuss how we can assist you with the finance. Whatever way you decide to embrace the caravan lifestyle, Jade Caravan Finance may have a finance option to bring your plans to reality. **Contact Jade Caravan Finance on 1300 000 003 for a quote on finance for a shared ownership caravan arrangement** *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.* **Categories:** Loan Tips --- ### [Loan processing during caravan delivery delays](https://www.jadecaravanfinance.com.au/blog/loan-tips/handling-loan-applications-and-approvals-in-the-face-of-new-caravan-delivery-delays) **Published:** November 24, 2021 **Author:** Publisher **Content:** The coronavirus pandemic has disrupted many aspects of business and personal lives over the past nearly 2 years. As vaccination rates reach the targets set by Governments, we are promised greater freedoms. But the impacts of extended lockdowns and other issues both in Australia and overseas are having effects on the manufacturing sector which are not so quickly resolved. The global computer chip shortage and supply chain issues for components are causing delays in delivery for many goods across many markets. For local caravan manufacturers, delays have been the result of both a massive spike in demand for new RVs, production slowdowns and shutdowns caused by lockdowns as well as in some cases supply of components. While Australian caravan manufacturers are trying their best to keep their production apace with demand, it has been and continues to be a challenging scenario. Fortunately, the caravan industry was categorised ‘essential’ in the recent Melbourne lockdown and as such production could proceed, but not without restrictions, limitations and challenges. In a recently released social media video, [Crusader Caravans](https://crusadercaravans.com.au/ "Your source for quality caravans: Crusader") highlighted these challenges, with mention of supply chain issues, operating to a COVID-safe plan which limits the number of workers allowed to work inside a particular van at any one time and the needs of workers in regards to home-schooling and COVID testing and isolating. For buyers, apart from having to wait for delivery of their new caravan, the challenges can also include timing their loan application and approval with the actual delivery of the vehicle. Buyers would understandably want to know prior to ordering that they would be approved for their loan and could secure the finance required for the purchase. But when there can be an extended time period between loan application and caravan delivery, what happens? This is a very fair question and as specialist RV lenders, Jade Caravan Finance addresses some of the issues and offer potential solutions as to how we assist our customers with swift handling loan applications and approvals in the face of new caravan delivery delays. ## The Caravan Finance Application Process Caravan buyers have two main options when requiring finance to make their purchase. Either apply for finance prior to striking a deal and placing an order or apply for a loan after placing the order. The [personal loan for caravan](/overview-of-personal-caravan-loans "Secure your dream caravan with a personal loan") application is the same for both options with one key exception – the exact loan amount for a pre-approved loan may not be known so an estimated loan is applied for. More on pre-approved finance later. Through Jade Caravan Finance, loan applications can be made online or over the phone. As licensed lenders, we operate under the [ASIC](https://asic.gov.au/ "Get updates on ASIC's regulatory activities") Responsible Lender Guidelines in regard to consumer loan applications. Under Consumer Law, applicants will need to provide information in regard to their income, financial situation, proof of identity, residential and employment status and other relevant information. Our consultants handle the application process for our customers and present the applications to our lender panel and negotiate with the lenders to achieve the cheapest interest rate caravan finance offer. Lenders will assess the loan application against their individual lending guidelines and requirements and review the applicant’s credit profile. Maintaining a good credit score is key to achieving the most suitable and cheapest loans. When an application is approved, a loan offer is made and presented to our customer by their Jade consultant. If accepted, the consultant then processes the application to finalise the loan. The final stage is settlement, where we liaise with the caravan dealer and lender to pay the dealer invoice. The customer can then take delivery of their caravan. ## Pre-approved Caravan Finance Many caravan buyers want to ensure that they are approved for the finance they require prior to making a commitment on a caravan. This is when pre-approved finance is ideal and in many cases, highly recommended. The loan application process is the same except an estimate of the loan total is made at the initial application stage and finalised when the final dealer invoice is received. ## Dealing with Loan-Delivery Lags So the application process is straightforward but what happens when there is a lag between when a loan application is made and the caravan is actually available for delivery? When handling the finance on their own, buyers may face a complicated process and may need to re-apply for their loan. Loan applications including pre-approved loans, do have a timeframe during which the loan must be acted on or the offer expires. All loan applications handled by Jade are done so an individual basis and as such, any information provided in this forum is of a general nature. But we will outline how we may be able to assist buyers. Benefits of using our broker-style lender services are many and not limited to achieving the cheapest loan. Caravans are individually manufactured and buyers usually face a wait time for delivery. Under COVID-19 circumstances that wait time can be longer than usual. But very few buyers will want to commit to a purchase without have their finance secured. ## Assisting with your Caravan Financing Our consultants work closely with our customers to tailor solutions which meet the requirements of the borrower, the caravan dealer and the lender. Aspects which we would work through with our customers may include:- - Situations where the manufacturer requests a deposit to commence production and the borrower is seeking no deposit finance with said deposit included in the loan. - Handling progress payment requests from the manufacturer to be made during production. - Changes to customer financial circumstances in the time between applying for the loan and delivery of the vehicle which may require a variation to the loan application. - Changes to interest rates which would require a reworking of a loan offer prior to the loan being activated. Solutions and ways forward may include activating the loan and the repayment schedule prior to accepting delivery; reviewing and amending the pre-approved loan application prior to settlement; varying loan structure to cater for the manufacturer’s payment requirements; and dealing with other individual requirements. Our customer interests are our focus and we work closely with all parties to deliver workable loan solutions to meet specific needs. As part of this commitment, we stay informed about the latest [caravan finance interest rates](/interest-rates "Explore Caravan Finance Interest Rates with Jade") to offer the best possible options to our clients. To discuss how we can make a delay between applying for finance and taking delivery of your vehicle work for you, please reach out to us. **Call 1300 000 003 to discuss all aspects of caravan finance with a Jade Caravan Finance consultant** *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.* **Categories:** Loan Tips --- ### [Summer Holiday Season is Close – Time to Act on Caravan Buying and Loan Plans](https://www.jadecaravanfinance.com.au/blog/loan-tips/summer-holiday-season-is-close-time-to-act-on-caravan-buying-and-loan-plans) **Published:** November 24, 2021 **Author:** Publisher **Content:** After a massive winter of discontent for residents in many states and territories, the upcoming summer holiday season is sure to be more highly valued and anticipated than usual. Many people are going to be looking to get away to holiday locations. To ensure you max out your enjoyment NOW is the time to not just make plans but actually act on those plans. If buying a caravan is integral to your plan, then the clock is definitely ticking to ensure you’re on the road to your holiday destination as scheduled. For those who need financial assistance, considering a [loan to buy a caravan](/ "Find the perfect financing solution for your caravan") can be a viable solution to get you started on your journey. With uncertainty around state borders continuing, caravanning is shaping up as an even more appealing way to travel and holiday this season. Not only can you support regional areas that have done it particularly tough this year, but caravanners also have the freedom and flexibility to make quick changes to travel plans if borders or particular areas enforce COVID restrictions. Having a firm plan as to how you are going to approach your caravan purchase and especially how you are going to source your finance can be extremely beneficial in avoiding the traps which may lurk for last minute panic buyers. Jade Caravan Finance reminds all that it is time to act on caravan buying and loan plans with some tips and hints on not only getting started with the process but getting on with those summer caravan holiday plans. ## Sourcing Caravan Finance Loans to purchase caravans are available through banks and non-bank lenders or finance companies and accessed through broker-style lenders such as Jade Caravan Finance, through caravan dealers and manufacturers or by direct application. Handling it yourself by making direct applications can be time-consuming and with the holiday season on approach, time may not be a luxury. To source sufficient loan quotes in order to make an informed decision may involve making application to multiple banks and finance companies. Applications which are noted by lenders to credit reporting agencies and which can impact a credit score negatively. Signing up to the finance offering from the caravan dealer or manufacturers may be convenient but have you checked the interest rate and sourced other quotes for comparison? Some third party/dealer finance can include commissions and may be priced at higher interest rates than we can source for you. Engaging the services of a specialist leisure vehicle lender such as Jade Caravan Finance to handle the finance process is also extremely convenient plus we save you time and deliver cheap interest rate loans as well. ## Compare Caravan Loan Interest Rates To assist those seeking finance to compare what is available on the market, we’ve provided an Interest Rate Comparison Calculator for you to use. It shows the types of loans for this purpose which are available through a number of banks and other lenders complete with the current interest rate being offered. As you navigate through the options, being informed about the prevailing [caravan loan rates](/interest-rates "Compare finance interest rates with us") can be advantageous. All you have to do is input the amount you are seeking to borrow and the number of years you would like to repay the loan, and the repayment estimates immediately appear alongside each lender. It’s quick, easy to use and should save you a lot of time shopping around the market for quotes. Note that the loan types and interest rates listed are for ‘new goods’. If seeking finance for a used caravan, the type, rate and details of the most suitable loan may vary from what is available for new caravans. ## Selecting a Caravan Sourcing a caravan to buy immediately at the moment may be a challenge with many manufacturers reporting longer than usual delivery times. This is a result of the incredible increase in demand for caravans over the past 18 months and the impacts on manufacturers of ongoing and recurring lockdowns. Many new caravans are built to order which is another factor to take into consideration. Buyers may do well to phone around dealers or manufacturers to enquire what stock is available for immediate delivery and/or what the wait time is for a new caravan to assist in narrowing down their preferences. If timing is your priority, then immediate availability may influence which make/model you decide to buy. Of course there is always the option of buying a used caravan. The new versus used will be a big question facing many buyers due to delays for new vehicles. But used stock is likely to also be tight so buyers will need to do their homework and be thorough and careful. Many second hand caravans are advertised and sold via online selling platforms. A great way to see what is available across the entire country without leaving home, but it is also fraught with traps. The ACCC has issued numerous alerts in recent times around scams and frauds in the market. The organisation has specifically identified the caravan sector as a key target for scam schemes recently. Access the latest alerts from [ACCC ScamWatch](https://www.scamwatch.gov.au/ "Access the latest scam alerts and reports by ACCC ScamWatch") When using Jade as your lender, we have resources to check IDs and verify ownership of goods through various channels to assist buyers. ## Booking Holiday Parks Loan sorted, caravan purchased, now it’s time to plan the trip. The increase in sales in caravans has flowed through to an increase in demand for sites in many holiday parks, especially in peak seasons. Booking your site well ahead is highly recommended to ensure you don’t miss out. If you can’t get a booking at a designated park or you prefer to be more independent, check out the [free camping sites](https://www.campsaustraliawide.com/ "Uncover budget-friendly camping opportunities") in your area. **To get moving with your caravan plans, contact Jade Caravan Finance on 1300 000 003 to assist with sourcing your finance** *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* **Categories:** Loan Tips --- ### [Own a Financed Caravan Sooner](https://www.jadecaravanfinance.com.au/blog/loan-tips/own-a-financed-caravan-sooner) **Published:** November 25, 2021 **Author:** Publisher **Content:** ## How to have full ownership of your under-finance caravan sooner. When you don’t have or you choose not to use your cash to purchase a caravan outright, taking out a caravan loan is a convenient and very popular way to go. The current low interest rate scenario is also a big attraction for buyers to purchase large ticket items with finance. When taking out caravan finance we discuss with our customers the term they would prefer to repay the loan and negotiate with lenders to achieve the preferred timeframe. Some customers are keen to seek the maximum loan term possible as that can mean the lowest monthly repayments. But it also means that it will take a longer timeframe to take full ownership of their RV. Other customers are seeking to own their caravan outright as soon as possible. Their motivation may include:- - Wanting to reduce their debt levels and increase their assets to be in a better position to take on other financial commitments. - Personal preferences such as their own financial objectives and goals. - Intending to upgrade to a better RV in a few years and have their current caravan fully paid off at that time rather than having to sell or trade-in a RV under finance. - To work with any possible changes in their personal financial situation in the years ahead. To achieve the objective of owning your caravan sooner rather than later, our customers can consider a number of aspects during the actual loan application process and at different stages of the loan term. We provide details on a number of strategies that may be implemented to own a financed caravan sooner that you may like to consider. ## Considerations Prior to Making a Loan Application When approaching the process of applying for caravan finance, buyers should have a clear idea of their own personal financial objectives and consider the loan options that will meet those objectives. One of the initial considerations can be selecting the most appropriate type of caravan loan. Specifically whether a [Secured Caravan Loan](/secured-caravan-finance "Click here for secured caravan loan information") or [Unsecured Personal Loan](/unsecured-personal-loans "Find the perfect unsecured loan for your financial needs") is best suited. Secured loans are by far the most widely used loan type for many purposes and they do attract a lower interest rate than an unsecured loan. But break fees usually apply when a secured loan is paid out prior to the end of the loan term. These fees may also apply to unsecured loans but may be sourced so as not to apply. If a buyer is considering paying out the loan early, selecting a loan type with the lowest or no break fees may be the way to go. Key to repaying any loan faster is securing lower repayments and that often starts with securing the cheapest interest rate loan. In order to secure the cheapest loan, applicants should have a good credit rating and profile. Lenders will assess an applicant’s credit profile when making a loan offer. Applicants can ensure their profile is as good as possible by attending to any errors or issues by checking their credit report before submitting a loan application. A [good credit profile](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Click here for tips on building a solid credit profile") can mean achieving a better interest rate which in turn can mean lower repayments and owning your caravan earlier. Another consideration is deciding between a new or a used caravan. Across the lending sector, used goods can attract higher interest rate loans than new goods. Assessing the overall costs of both types of loans in discussion with one of our consultants may assist your decision in this regard. ## Structuring Your Caravan Loan A key element of your caravan loan is structuring the finance to meet your objectives and our consultants will discuss the options with you before proceeding to source and negotiate your loan. If owning the caravan sooner rather than later is your preference, then requesting a shorter rather than longer finance term can be considered. The finance term, the total amount of the loan and of course the interest rate will determine the repayments. A shorter finance term will result in higher repayments compared with a longer finance term but the loan will be repaid sooner. To see how this may affect your particular caravan purchase, please use our Caravan Finance Calculator. Buyers can also consider actually reducing the amount of the finance required by paying a deposit. A lower loan amount can be combined with a shorter term and hence the caravan is owned earlier. ## Making Changes to the Contract Making structural changes to a finance contract during the term of the loan can be complicated and significant changes could mean refinancing. However, to own your caravan sooner, borrowers can also consider making extra payments in addition to the scheduled monthly repayments. This is permitted under our caravan loan types. Customers can contact the lender to advise their decision and make the extra payments either now and then or as a regular process. This will mean the total loan is paid out earlier than the loan term and the total interest payable may be reduced. However, break fees will apply to some caravan loans when this occurs. These fees are considered ‘minimal’. Speak with one of our consultants about how break fees are calculated or refer to the articles in our library for more information. Whatever your personal financial objectives in regard to your caravan loan and your ownership timeframe, your Jade Caravan Finance consultant will work with you to structure your loan to suit your goals. **Call 1300 000 003 to discuss structuring a loan to suit your goals with a Jade Caravan Finance consultant** *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.* **Categories:** Loan Tips --- ### [Comparing Caravan Finance Rates](https://www.jadecaravanfinance.com.au/blog/loan-tips/comparing-caravan-finance-rates) **Published:** November 25, 2021 **Author:** Publisher **Content:** A caravan or other RV is usually a long term purchase and a leisure goods acquisition. Something wanted and desired rather than an essential purchase. So buyers will usually and understandably be seeking an affordable finance option which usually means, a loan at the cheapest interest rate achievable which requires comparing caravan finance rates. Focusing on the interest rate is the way that many people go about seeking finance. Comparing the rates offered by a range of lenders, with little attention paid to other aspects of the loan. The interest rate is not the only aspect of the caravan loan to consider but let’s face it, it is the main driver. In addition to the interest component of the loan there will be the lender charges and fees to be considered and these can vary across the market. Other contributing loan features may include how easy the lender is to work with and how open and flexible they are to meeting your individual requirements including the loan term you would prefer. Regardless of all the other issues however, it will be the caravan finance interest rate that will be the major cost component of the loan and thus be a priority consideration. But before embarking on comparing caravan lender interest rates, this could be the time to brush up on your finance knowledge in general. Having a full understanding of how interest rates work across the leisure goods market and what’s currently happening with rates may be of great assistance in your search for the cheapest interest rate caravan loan. ## Leisure Market Interest Rates Interest rates vary across the lender market and across different categories of goods – cars, boats, home mortgages, leisure goods such as caravans and others. But the central factor to the setting of all interest rates is the official cash rate. This is the rate as set by the [Reserve Bank of Australia](https://www.rba.gov.au/ "Click here for information from Australia's Reserve Bank") for borrowings for banks and lenders to/from each other. Essentially a base cost for lenders to acquire the funds to lend. So when you hear the talk around rates, rate cuts, rate hikes etc it is most likely this official cash rate that is the subject. Currently the RBA has held the cash rate on hold at the historic low of 0.1% which has resulted in lending rates in general to also be kept low. The RBA has stated it is not expecting to increase this rate until around 2024 but some experts think this could happen sooner – 2023 or even late 2022. The RBA is looking to a sustained level of inflation in the 2-3% range as a trigger for rate increase. Current inflation figures have seen a rise as the country moves out of lockdown and other economic factors kick in. ## Comparing Lender Rates When looking to compare caravan finance interest rates across banks and lenders, the first thing you may notice is the variation in the types of loans. Not all lenders will offer a specific [Secured Caravan Loan](/secured-caravan-finance "Click here for secured caravan loan information") such as offered by Jade Caravan Finance. We are specialists in this field and offer a loan specifically for the market. Some lenders will offer a more general Secured Personal Loan which is designed to cover a range of goods such as cars, boats and caravans. Borrowers should look closely not just at the interest rate but at the details of the loan – terms, maximum and minimum loan amounts and other specifics. Lender interest rates vary as each will considered their interest in lending to say the caravan/RV market. Individual lenders will also need to account for their own costs incurred in securing their funds. [By law](https://asic.gov.au/for-consumers/), consumer lenders are required to advertise both an advertised interest rate and their comparison interest rate. The comparison rate will always be higher than the advertised rate as it includes fees and charges. The comparison rate refers to a loan example as detailed adjacent to the rate. The rates advertised by banks and lenders will typically refer to the purchase of new items, unless they note otherwise. The interest rate for used caravans may be higher than for new. But that will depend on the lender assessment of the application and the vehicle and the negotiation skills of yourself if you go it alone, or your Jade consultant when you elect to go with us. You will no doubt be interested to see what interest rates are on offer across the market and we’ve simplified that step for you. We’ve published a list of major banks and lenders with the loans and rates they are currently offering for caravan finance. An easy and handy reference guide which highlights how attractive how rates are on caravan loans. ## Fixed Interest Rate Caravan Loans At Jade, we offer our Secured Caravan Loans at a fixed interest rate and with terms up to 7 years. Some lenders offer variable interest rate loans. Securing a fixed rate caravan loan ensures the borrower that their repayments will not change over the term of the loan, regardless of the RBA’s decisions on the official cash rate. For those considering an RV, it’s also beneficial to explore options for [low interest RV loans](/interest-rates "Your pathway to affordable RV ownership with our loans") to ensure the most affordable repayment plan. Our Secured Caravan Loan is applicable to all types of new RVs – traditional caravans, camper trailers, toy haulers, mobile homes and other categories, both off-road and on-road. So comparing interest rates on caravan finance is easy and with our calculators, you can immediately receive a repayment estimate for the caravan you are considering. For a firm quote, at our cheap interest rate, give us a call and we will assist you. **Call 1300 000 003 for a quote on a cheap interest rate caravan loan** *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.* **Categories:** Loan Tips --- ### [Hitch Up Time: Shows Are Back, Caravan Loan Rates Still Low](https://www.jadecaravanfinance.com.au/blog/loan-tips/hitch-up-time-shows-are-back-caravan-loan-rates-still-low) **Published:** November 25, 2021 **Author:** Publisher **Content:** After a very disruptive and disappointing period for the caravan industry and the country in general, things are starting to return to something resembling more normal conditions. Many of the extremely popular caravan and outdoor shows had to be cancelled or postponed in both 2020 and 2021. Depriving manufacturers from showcasing their latest models and buyers from those much-valued in-person inspection opportunities. But the good news for caravan buyers is, it’s time to hitch up as the shows are back and caravan loan rates are still low. There are still some caravan shows scheduled for the latter part of 2021. In even more good news for prospective buyers, the RBA has kept interest rates steady at historic lows so lending on caravan finance is extremely attractive. Our caravan finance interest rates are as low as ever. So it’s time to hitch up and hit the road in a new caravan. We update buyers with what is happening with RV shows, new model caravans and that all important caravan loan scene and how Jade Caravan Finance can assist buyers. ## Show Time! Getting to a caravan or outdoor and leisure show will depend on where you are located and the health orders in place. But we can report that Let’s Go Brisbane Show proceeded in late October with plenty of new releases on display. For those in Victoria, the [Bendigo Leisurefest](https://leisurefest.com.au/Home "Discover what to expect at Bendigo's Leisurefest") was slated for mid-November and for NSW residents, the [Penrith Lifestyle and Leisure Roadshow](https://www.visitpenrith.com.au/events/exhibitions/penrith-leisurefest-roadshow "Learn more about the lifestyle and leisure roadshow in Penrith") set for late November. As the 2022 calendar of events is released, we’ll post the dates and locations, so revisit our site for more info in coming months. ## New Caravan Models The caravan manufacturing sector has been busy keeping up with orders and developing new models. Here are a few newbies to add to your buying consideration list:- - Exceed Campers new models in two versions. - Vision VX hybrid range - Sunseeker Caravans Marvel Golden Child: off-road model - Johnnos Campers X-Treme models: pop-tops - Altitude hybrid campers from VanHub - Green RV: Regent and Orca selections. - Paradise Motorhomes: Paradise Pinnacle For those new to caravan buying, perhaps a smaller van could be a great way to get a taste of the lifestyle. One small model that has peeked our interest is the Little Gem Weekender. Not only does it look quirky and cute, it is small enough to be towed by a small sedan such as a Corolla. (Always check your vehicle manufacturer instructions in regard to towing capabilities.) Little Gem Caravans are represented in NSW and Queensland by Hinterland Caravans. There are two current models in the range – the Weekender at 5m and the Long Weekender at 6m. These are described as micro pod caravans and include enough facilities and inclusions to have a lot of fun and enjoyment for a weekend or short stay. The caravans are Italian designed and built with finishing touches completed in Australia. Ditch the hotel room and enjoy the flexibility that a Little Gem offers. Change location and route to suit yourself. These models include the essentials – a kitchenette, small bathroom with cassette toilet and dinette which converts to a bed. The Long Weekender also has a separate bed so with the dinette converted, it has sleeping accommodation for 4. The Weekender is designed for singles and couples as you will need to convert the dinette each evening for sleeping. A relatively small compromise for the fun and convenience on offer. The price doesn’t reflect the smaller size but probably more the Italian design elements. For the price yes you could buy a much larger van, but that would require a larger towing vehicle. To see what the price tag on a Little Gem or any of the other new models may convert to loan repayments on a [Jade Caravan Finance loan](/loan-calculator "Explore the advantages of caravan financing with Jade"), just head to our [caravan financing calculator](/loan-calculator "Determine your caravan finance costs with our calculator") and start inputting figures. For a firm quote, just give us a call. ## Caravan Finance Rates Remain Low It’s now a full 12 months that the RBA has kept the official cash rate at its current historic low of 0.1%. A rate which has enabled lenders such as Jade to offer extremely low [caravan finance rates](/interest-rates "Discover our low-interest options for caravan loans"). But for how much longer will low rates last? The RBA is still talking 2024 before they expect inflation to be in the target range of 2-3% to signal a rate hike. But some finance and economic analysts from leading banks and other organisation are tipping a rise in 2023 and some even late 2022. To avoid the additional interest cost of a rate rise, caravan buyers can lock-in their loan now with our fixed interest rate finance at our current cheap interest rates. Our fixed rate loans ensure that the loan repayments will remain constant over the up to 7 years of the loan term. If the RBA moves on rates during the loan term, your repayments won’t change. That makes for happy travelling for years to come. So get out to a show or connect with a caravan dealer in the showroom to select your model and connect with one of our consultants to arrange your caravan finance. **To discuss a quote for a caravan loan, contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [Acquiring Lower Caravan Finance Repayments](https://www.jadecaravanfinance.com.au/blog/loan-tips/acquiring-lower-caravan-finance-repayments) **Published:** November 26, 2021 **Author:** Publisher **Content:** When enjoying long, relaxing travels and holidays in your caravan, the last thing you want to be worrying about is your caravan loan repayments. As RVs become more high-tech and fully optioned and luxurious, the price does edge up there with some models priced at, let’s say, a considered purchase level. Many caravan buyers, whether looking at the budget or the top end of the market, are sensibly looking at the loan repayments as the all-important affordability factor. For those unfamiliar with the process, understanding [how to get finance for a caravan](/ "Discover the pathway to financing your caravan purchase") can be crucial in ensuring they secure the best possible terms for their purchase. Acquiring lower caravan finance repayments can be the more significant figure to focus on than the actual price of the RV. Jade Caravan Finance is renowned for achieving cheap interest rate caravan loans and that is a key element in determining the cost of the loan and the resultant loan payments. But there are a number of strategies that caravan buyers can consider in order to achieve their target low caravan loan repayments. We cover off on the ways we can assist buyers achieve this objective. ## Focus on Cheap Caravan Loan Interest Rate With any form of loan, the interest which is payable in total over the term of the finance is the major cost component, after the loan principal. When taking on finance, lenders will have their usual fees and charges to be included, but it is the interest that requires the biggest attention. To achieve the lowest caravan loan repayments, Jade Caravan Finance focuses on securing the cheapest interest rates. Interest rates on caravan finance will vary across the lending sector. In fact, some banks and lenders do not specifically have a caravan loan category but offer a more generic loan type for a range of leisure and recreational consumer goods. For buyers aiming to get the most competitive terms, it’s essential to consider the [best rated caravan loans](/interest-rates "Caravan financing made easy with the top-rated rates") in the market. Rates vary as the lenders will have varying costs themselves to factor in on top of the official cash rate as set by the [RBA](https://www.rba.gov.au/ "Your source for Australian monetary information: RBA"). The interest rate offered by lenders may also reflect how keen they are to be competitive in a certain market sector. By dealing with a specialist leisure market lender such as Jade Caravan Finance, buyers can tend to find the cheapest rates and experts that understand the market. To find out who is offering the cheapest interest rate may require doing quite a bit of research and making contact with individual lenders for a quote for your specific purchase. A process which can be time-consuming, confusing and involve a lot of hassle. To assist caravan buyers, we’ve provided a Lender Comparison Calculator. This loan tool lists a number of banks and non-bank lenders along with ourselves. It shows the loan type available for caravan purchases and the relevant interest rate and comparison rate. Buyers simply enter the loan amount in the field as indicated and immediately see the repayment estimate for that loan and lender. This is a very clear demonstration of how the interest rate impacts the repayments! ## Consider the Caravan Loan Term Interest rates are applied to loans on a per year basis. So it follows that the term of finance, the number of years to repay the loan, will also have an impact on the monthly repayment. The calculations do involve complex computations of compound interest etc but there is a fairly simple guideline:- - If the finance term is longer, the caravan loan monthly repayment will be lower but the interest payable in total on the loan will be higher. - Conversely, if the finance term is shorter by a few years, the monthly loan payment will be more but the total payable interest will be less. With Jade Caravan Finance, caravan loan terms of 7 years are achievable, depending on individual circumstances and lender guidelines. But varying the number of years can result in a different repayment. ## Consider a Deposit While we focus on interest rates and loan terms in calculating repayments, we work with the loan amount as requested by our customers. But that is something worth considering upfront. While we can achieve no deposit finance for many of our customers, it does mean the entire purchase price of the RV is included in the finance. The larger the loan, then logically the larger the repayments. If seeking lower repayments is a major priority then paying an upfront deposit to the caravan dealer can reduce the finance total requested. While considering this element, keep in mind that interest rates are currently at historic low levels. So finance is the cheapest it has ever been. By securing a fixed interest rate finance deal at the current cheap rates now, you are assured of that cheap rate for the full term. Using existing funds to pay a deposit is a very personal decision and will be based on individual financial objectives. ## Bringing it All Together! So you can now see all the strategies and the elements that can be considered to achieve the target caravan loan repayment. To see exactly how all these factors intertwine and affect each other, simply use our Caravan Finance Calculator. Vary the different amounts in the loan amount, interest rate and term fields and note how these changes alter the repayment estimate. Whatever your target caravan loan repayment amount, your Jade consultant will be working hard on your behalf with our lenders to achieve your requirements. **To discuss achieving low caravan loan repayments, contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [RV, Caravan and Camper Trailer Loan Products](https://www.jadecaravanfinance.com.au/blog/loan-tips/rv-caravan-and-camper-trailer-loan-products) **Published:** November 27, 2021 **Author:** Publisher **Content:** With a vast range of different RVs to select from, buyers seeking finance may be wondering if the finance decision will be equally as extensive in range of choices and options. Wondering what is the range of RV, caravan and camper trailer loan products on the market and what interest rates apply. When deciding to purchase a recreational vehicle (RV), buyers are presented with a vast choice of makes, models, categories and styles. Many can be individually configured to suit the specific preferences of the buyer with inclusion of add-on packs. Each buyer will have their own criteria when it comes to selection including the terrain intended to travel on and through, the level of luxury, comfort and self-sustainability required, accommodation numbers, towing vehicle and of course price. When it comes to sourcing finance to make the purchase, buyers will also have a set of criteria around their caravan loan. Does the choice of caravan loan product have as many variants, differences and options as the vehicle itself? As specialist leisure vehicle lenders, Jade Caravan Finance answers the key questions asked by caravan buyers when seeking finance. ## Loan Per RV Type Within the broad term ‘RV’ there are a number of vehicle categories including traditional or conventional caravans, camper trailers, mobile homes which are typically and broadly referred to as RVs and campervans. Within each category there are different types including off-road, semi-off road, all terrain, pop-tops, slide-ons, toy haulers and other terms assigned to specific makes or models. For those interested in acquiring one of these vehicles, exploring [loans for RV campers](/rv-finance "Get started with our camper financing solutions") can provide financial flexibility and options tailored to this type of purchase. When it comes to the finance sector and other areas, the term ‘caravan’ or ‘RV’ is generally used as an umbrella description to include all types and models. Loans for all RVs are available under the one finance category of ‘caravan loans’. When it comes to campervans which comprise a car and a camper/caravan, some buyers may wonder if that requires car finance or caravan finance. At Jade, we define a campervan as a recreational vehicle and include these vehicles in our caravan loans. ## Secured and Unsecured Caravan Loans We offer two types of loans for financing caravans:- - [Secured Caravan Loan](/secured-caravan-finance "Your pathway to caravan ownership: collateral loans") - Unsecured Personal Loan The key differences between these two types of loans include:- - The lender uses the RV as security against the loan with a secured loan. The buyer has full use of the vehicle from settlement of the finance and purchase and the lender registers their interest in the asset on the [PPSR.](https://www.ppsr.gov.au/ "Navigate secured transactions with PPSR") - As the title suggests, an unsecured loan does not essentially have an asset to secure the loan. Some lenders may request another form of security when making a loan offer and these decisions and any special conditions are negotiated by the Jade consultant with the lender and based on individual circumstances. - As there is security against the loan, the interest rate on a secured loan is typically lower than for an unsecured loan. Our secured caravan loans are offered at a fixed interest rate but unsecured loans may be offered at either a fixed or variable rate. Refer to our Interest Rate Comparison to see the difference interest rates currently being offered. - The decision as to which loan is most suitable to a purchase is predominantly determined by the actual caravan itself and if the lender is prepared to accept the vehicle as security against the loan. The Secured Caravan Loan is by far the most popular and widely used loan for the purchase of new caravans. It suits all types of RVs and most buyer types. Unsecured Personal Loans could be used for older, used caravans which the lender does not accept as security; fixer-up vehicles which require extensive refurbishments; and share caravan arrangements where multiple parties are involved in the purchase. ## Pre-Approved Caravan Loans Both our secured and unsecured caravan loans are available as pre-approved finance. This means that prior to making a purchase commitment, the loan is applied for and the loan application progressed through the various stages to the point of an offer being made and the application approved by one of our lenders. The exact amount required to be borrowed may not be known at that stage as the buyer may yet to finalise their van specs and optional extras. When the purchase is completed, the loan amount is finalised based on the dealer’s invoice. Pre-approved loans are extremely popular as they provide buyers with knowledge as to how much they are approved to borrow and what repayments will be and hence they have a target purchase price to aim for. ## RV Finance Interest Rates and Lenders The types of loans offered for caravan purchases does vary across the lending market. Not every bank and every finance company will offer a specifically designated ‘caravan loan’. Some will include caravans along with boats and other leisure goods acquisition in a general Personal Secured Loan category. For those interested in RVs, it’s also essential to be aware of [RV loan interest rates](/interest-rates "Check out our competitive recreational vehicle financing rates") as they can vary and impact the overall cost of the loan. We have provided a handy reference guide of a range of leading lenders with the loan products they offer with the relevant details and interest rates. As broker-style lenders that specialise in this area, Jade Caravan Finance is accredited with a large number of lenders and our consultants handle the loan sourcing and arranging for our customers. Saving you time to spend on deciding the custom finishes, variants and treatments for your caravan and to start planning your first caravan travel route. While the choice of RVs is vast, the finance selection is much easier to manage by working directly with us to source and secure your caravan loan. **To discuss the best and cheapest loan for your particular RV purchase, contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [Finance for Camper Trucks](https://www.jadecaravanfinance.com.au/blog/loan-tips/finance-for-camper-trucks) **Published:** November 27, 2021 **Author:** Publisher **Content:** One of the largest types of RVs on the market, camper trucks, made headlines recently with a WA family stranded in the outback with this type of vehicle. No doubt this story sparked interest from RV buyers in these rugged go ‘almost everywhere’ vehicles. As a specialist RV finance lender, Jade Caravan Finance provides details on finance for camper trucks with examples of some of these types of vehicles available on the RV market. The news story covered a family touring Australia in their camper truck which became stranded in the Simpson Desert. Their vehicle became bogged after heavy rain in the area. Fortunately, they were rescued by helicopter and made their way home safely to WA, sadly minus their camper truck which they will no doubt retrieve when conditions are suitable. The images of this massive vehicle all equipped up to cater for a family of 4 for a year’s travelling in remote areas are quite impressive. If you have the yearning to go further and into areas less travelled, looking more closely at this type of vehicle to cover rugged terrain may get you started. ## Camper Truck RV Category The camper truck classification or category encompasses a relatively broad range of types and sizes of RVs. They can include demountable slide-on campers that can be attached to a ute/cab chassis style truck and hence create a camper truck. For those looking to purchase one, it’s essential to consider options for the [best RV finance](/rv-finance "Browse our range of top RV financing options") to ensure affordability and suitable repayment terms. But the much larger sized camper bodies which are fitted to a truck chassis and similar to the RV featured in the media story are the type of vehicles available through companies such as [All Terrain Expedition Trucks](https://www.allterrainexpeditiontrucks.com/6x6-all-terrain-camper-truck-bodies/ "Explore our range of off-road adventure trucks") and [SLRV](https://slrvexpedition.com.au/ "Your source for high-quality adventure vehicles from SLRV") Expedition Vehicles. All Terrain Expedition Trucks is an Australian business, located on the Gold Coast and offering innovative and luxury designs for that 5 star adventure. Their range of vehicles includes 4×4, 6×6 and the massive 8×8 expedition trucks. Taking a closer look at the 8×8, this is a customisable camper body which is built to tackle tough environments. Buyers can select from a range of accessories which have been sourced from the best in the world. SLRV Expedition Trucks is a family business that specialises in the manufacture of expedition trucks. The company’s range includes custom 4×4 and 8×8 camper models on Isuzu, Iveco, Hino, MAN and Mercedes-Benz vehicles. The 8×8 Commander Model is on a MAN vehicle base and can be configured as either a single or a double storey RV. The rugged exteriors of these vehicles belies the luxury and comfort afforded to travellers on the inside. The designs and finishes are first-class and as expected include the features, equipment and fixtures to allow self-sustainable travel over extended periods. Camper trucks definitely offer a unique travel experience to their owners. To get more of a taste for what is involved in travelling in such a vehicle and what may be in store for you, there is a publication dedicated to the category – Truck Camper Australia, which could be worth exploring. ## Camper Truck Loans: Features Clearly these luxury camper trucks will come at a price tag worthy of the quality and inclusions in their construction. Most buyers will be requiring finance to acquire their camper truck and Jade Caravan Finance provides not only the loan type for the purchase but a comprehensive finance sourcing and structuring service. While entitled ‘caravan’, our [Secured Caravan Loan](/secured-caravan-finance "Click here for secured caravan loan information") covers the purchase of a wide range of RVs including conventional caravans, standard camper trailers, motorhomes and of course camper trucks. With this type of loan, the lender accepts the vehicle as security against loan and the borrower repays the finance over the fixed loan term. As specialists in RV finance, we are accredited with a wide range of banks and non-bank lenders that gives us the ability to source finance for specialised vehicles, from specialised lenders. Our cheap interest rate policy applies to finance for these amazing vehicles and the rate is fixed for the full finance term. With a fixed interest rate and a fixed loan term, the monthly repayments are also fixed. Allowing travellers to head off on their adventures with the peace of mind that their payment schedule will not change during the loan term. Our Jade consultants work closely with our customers to structure their camper truck finance to specifically suit their requirements. We recommend including all the gear you may need to survive, and have the costs included in your finance. For peace of mind and safety for your fellow travellers, ensure you have all the devices and systems you may need in case of inadvertent circumstances. Speak with your Jade consultant about what we can include in your finance deal. ## Calculating Camper Truck Loan Repayments The big question – what could such a vehicle cost in terms of monthly finance repayments? We offer a quick and easy way to find out – our [Caravan Finance Calculator](/loan-calculator "Plan your caravan finance with our online tool"). Simply enter the purchase price of the vehicle as the loan amount, your preferred finance term and the interest rate we are currently offering. The calculator automatically calculates the estimated repayment based on those values which is displayed on the screen. As you consider additional accessories and equipment while planning your design, simply include that extra cost to see how that affects the repayments. If a totally unique caravanning adventure is on your bucket list, with the current low interest rate environment, now could be the ideal time to acquire a camper truck with a Jade loan and head off. **Call 1300 000 003 for a finance quote on a camper truck.** *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.* **Categories:** Loan Tips --- ### [Affording the WOW Factor with Caravan Finance: how luxury caravan interiors affect the loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/affording-the-wow-factor-with-caravan-finance-how-luxury-caravan-interiors-affect-the-loan) **Published:** November 27, 2021 **Author:** Publisher **Content:** Caravan designers and manufacturers have and continue to really step it up a notch when it comes to interior luxury and comfort in their caravans. But the question for many buyers will be affording the WOW factor with caravan finance. Driven by customers wanting a lot of life’s creature comforts on the road and by travellers planning long and extended trips in the caravans. As the bar becomes higher in regard to quality caravan interiors, futuristic technologies and unique designs savvy buyers would no doubt be looking at how to cover the cost. Jade Caravan Finance explains how buyers can secure caravan finance at cheap interest rates which includes luxury caravan interiors, fixtures and furnishings. ## The Luxurious Caravan Market When it comes to ‘luxury’ the majority of Australian caravan manufacturers strive to produce a luxury product to cater for the long-term travellers and the discerning buyers. Ranges do cater for all buyers with budget offerings, but there is a plethora of models on the market to suit those seeking something more luxurious, different and unique. Due to their size which allows more scope for designers to mark their mark, motorhomes offer increasingly luxurious interiors. [Paradise Motorhomes](https://paradisemotorhomes.com.au/motorhomes-range/ "Experience luxury travel with Paradise Motorhomes") pride themselves on building luxury vehicles with one model tagged as ‘simply decadent’. All eyes will be on the caravanandcampingsales.com.au inaugural awards caravan awards program to see the winners judged by these industry experts. But we’ve found a [list compiled by the RAC](https://rac.com.au/car-motoring/info/quirky-caravans-australia "Explore the RAC's compilation of recommendations") in Western Australia which includes their assessment of the some of the most quirky and luxurious caravans on the Australian market. Their list includes the quirky CaraBoat, the Kedron TE7 Topender, the Royal Flair Piazza Skudeck, the HUTrv Dekpod and models from Rocket Caravans. For something different in interiors, buyers can look to the reno/refurb market where talented designers are doing great things with renovating retro caravans. We’ve covered many different makes and models in our articles, including a collection aimed at the younger surfing market which include beach chic interiors. ## Acquiring the WOW Factor Caravan Whether it’s quirky, unique or just drop-dead luxury you are seeking, the bottom line for many buyers will be affordability. For those buying a caravan with finance, affordability may be better judged by assessing the monthly caravan loan repayment amount rather than the total price tag of the vehicle. Luxury does come at a price in most markets, but in the caravan finance market, we can make luxury affordable with our cheap interest rate loans. While we are permanently fixed on achieving better [caravan loan interest rates](/interest-rates "Access our caravan loan interest rate details"), the current historic low interest rate lending market is further enhancing our rates. A cheap interest rate caravan loan offers the ideal opportunity to max-out your caravan with the luxury inclusions you want for the most enjoyable holiday or travelling experience. A cheaper priced loan may also present the opportunity to upscale to a more luxurious caravan model. Or it could mean simply ordering the higher-priced, more luxurious options in fixtures and fittings. Most manufacturers provide the opportunity for buyers to build their own interior style by offering a selection of finishes, cabinetry, tech and accessories. By selecting all accessories that you want at the time of purchase and on the seller’s invoice, your Jade consultant can, in most instances, include the total cost in the overall loan package. If buyers wait until after delivery to add-on accessories and extras, these costs would not be able to be included in the loan post-settlement and finalisation of the loan agreement. So carrying out a comprehensive preparation and planning process can result in a more affordable outcome and a complete package for your caravan and your finance. Consider how you will be travelling and what inclusions you really will expect and what are your non-negotiables. If planning free camping, then a well-sized and equipped ensuite bathroom will be a must as will possibly a washing machine neatly tucked away. If intending to be away for a length of time, then plenty of internal storage should be high on the list. Designers are coming up with innovative ideas in caravan interiors in regard to cabinetry to create additional storage. Keep an eye out for gas-lift beds that provide extensive under-bed storage. Like to continue your gourmet lifestyle while on the road? Ensure the kitchen and cooking facilities suit your menu! ## Calculating the Affordability Factor To ensure your idea of luxury meets your budget expectations, we have provided a handy buying resource – our [Caravan Finance Calculator](/loan-calculator "Your guide to caravan loan calculations"). As you are planning your interior and selecting accessories with the manufacturer, this tool allows buyers to instantly calculate how those items may affect their caravan loan repayments. Take it with you to the showroom on your mobile device and you can be quietly calculating rough loan repayments as you browse the options presented. Achieving the ultimate luxury caravan lifestyle may be more affordable than you realise. For a quote on a loan for your wish list RV, contact us to discuss the options. **To discuss a loan for a luxuriously fitted-out caravan, contact Jade Caravan Finance on 1300 000 003 for a quick quote** *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.* **Categories:** Loan Tips --- ### [Impact on RV Finance of Caravan Modifications](https://www.jadecaravanfinance.com.au/blog/loan-tips/impact-on-rv-finance-of-caravan-modifications) **Published:** November 30, 2021 **Author:** Publisher **Content:** Caravan manufacturers provide customers with a large range of options, extras and alternatives when building their RV. Buyers often get to make many decisions so they can have their van fitted to their specifications and suit their RV finance. But in some instances, retro-fitting or modifications may be desired after the purchase. Possibly a considerable time after taking delivery and finalising the caravan finance. Very much on trend at the moment is doing up old, retro caravans. But making modifications to existing vehicles is also quite commonplace. You realise post-purchase or possibly after a change of plans, that the van doesn’t have all the inclusions that you need or you want. Jade Caravan Finance provides an overview of the impact on RV finance of caravan modifications and how buyers may avert any issues. ## Typical Modifications and Potential Mistakes Before considering making any modifications to your caravan, it may be worthwhile reading up on what the experts have to say on the topic. We referred to an article on a very popular [caravan sales](https://www.caravancampingsales.com.au/ "Your source for caravan buying opportunities") platform to bring some timely reminders for those considering modifying their caravan and some of our own ideas for consideration. - Ensure any considered modifications do not render your vehicle un-roadworthy or unsafe. The specs must meet the state’s regulations in regard to registration. - Including accessories and extras at the time of purchase can mean the cost may be included in your loan. Adding items after will mean you paying for the costs. - Payload considerations. Ensure any modifications are in line with the allowable payload for the vehicle.For example, adding extra water tanks to cater for free campsites can add extra weight. Refer to experts for calculating van weight accurately. - Ensure any modifications don’t make the van outside the specs for towing with your vehicle. Not just the weight but the dynamics especially the risk of swaying. It may be legal, but is it safe? - Air-con is included in most of today’s caravans but if yours isn’t fitted with a unit or requires an upgrade, a licensed electrician will be required to wire the unit to the 240v power. If opting for a rooftop unit especially, consider the weight it is adding. - Storage space can be challenge in caravans and owners often seek add-ons to create more storage. A toolbox fitted to the exterior can be a good idea, but the additional weight and the placement – front or rear, needs to be considered. - En-suites or a shower/toilet unit is not always standard with every caravan. Initially you may decide you will staying at parks and therefore not necessary. A change of travel plans and intentions to free camp and those facilities do become essential. Fitting this type of unit will add weight to the vehicle and requires trades to complete. - Converting power systems to go off-grid can be costly and require professional trades. Plus the solar panels and batteries add to the weight and can affect the towing performance of the vehicle. ## Caravan Loan: Standard Criteria/Specs When applying for finance to purchase a caravan, the [credit profile](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Get insights into your credit health") of the applicant as well as aspects of the caravan will be assessed by our lenders. Accessories and inclusions may be itemised in some instances. Different interest rates apply for new and used caravans. Used caravans will be assessed in terms of age and condition when lenders make a loan offer. ## Modifications Post-Purchase With a [Secured Caravan Loan](/secured-caravan-finance "Find the perfect financing solution for your caravan with security"), the lender accepts the caravan as security against the loan. That interest is registered on the [PPSR](https://www.ppsr.gov.au/ "Learn more about PPSR registrations"). If the specs of the goods under finance are significantly altered, there may be an obligation on the part of the borrower to advise the lender of these changes. This may be relevant where the modifications alter the value of the goods and hence have an impact on the loan. ## Refurbishment Project Finance Finance for purchasing a caravan to refurbish is usually best suited to our [Unsecured Personal Loan](/unsecured-personal-loans "Discover the benefits of our signature personal loans"). Lenders would be less interested in accepting this type of caravan as security and as the goods will be improved significantly over time, the buyer not wish the goods to be offered as security. As the caravan does not form the security against the loan, it would not usually be envisaged that the borrower needs to update the lender in regard to modifications or refurbishment work. ## Insurance Implications Major changes to the caravan may require reporting to the insurer. Insurance is required when purchasing a caravan with finance. The specifications and details of the insured caravan are relevant to the policy. Any changes may affect the coverage. This may be particularly relevant to coverage of units and accessories added after the policy was taken out. ## Averting Any Issues Buy Calculating Loans Beforehand To avoid the need to make major modifications carry out your own detailed planning prior to purchase. Consider carefully where you intend to travel both now and possibly over the years of your caravan ownership and/or finance term. Using a [loan calculator caravan](/loan-calculator "Determine your caravan financing costs with our tool") can also help you understand the financial implications and manage your budget effectively throughout the loan period. Buying a vehicle that will be suitable for all terrains and all conditions may be a good way to go. If you are considering major modifications to your existing caravan, then possibly it longer serves your purposes. Trading it on a new caravan which is ideally suited may save you the costs of modifications and possible impacts and deliver you a great caravan. To weigh up the costs of modifications against buying new, refer to our Caravan Finance Calculator. **Call 1300 000 003 for a caravan finance quotes.** *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.* **Categories:** Loan Tips --- ### [Loans for Imported RVs and Locally Manufactured Caravans](https://www.jadecaravanfinance.com.au/blog/loan-tips/loans-for-imported-rvs-and-locally-manufactured-caravans) **Published:** November 30, 2021 **Author:** Publisher **Content:** Australian caravan manufacturing has a rich, proud history dating back to the heyday of caravan holidays in the 1950s and further back. Currently, there are many local manufacturers producing a wide range of vehicles including traditional caravans, camper trailers, specialist off-road vehicles, mobile homes and many others. Brands like Millard, Viscount, Jayco and many more are seen traversing national highways every day. But imported caravans, in particular Chinese-built brands, are making a significant impact on the Australian market with brands including Snowy River, Ezy Trail and MDC. While many Australians like to support local manufacturers, often it is the imported goods that catch our attention and attract our purchase for a range of buying reason. When taking out finance to make that caravan or RV purchase, the question around any variations in loans for local versus imported also needs to be addressed. With Chinese-built caravans increasing in popularity, Jade Caravan Finance provides information on caravan loans for imported RVs and locally Australian manufactured caravans. ## Imported Caravans According to the [ABS](https://www.abs.gov.au/ "Visit the Australian Bureau of Statistics"), industry and reliable sources, the sales of Chinese-built caravans in the Australian marker has increased significantly in recent years. Figures have sales of up to 40% now represented by these brands. It should be noted that the jump in sales may reflect the pandemic-incurred issues for local manufacturers during 2020. The industry saw a massive surge in interest in caravan holidays as international and interstate border closures put limitations on where Australians could travel. The market was inundated with orders but many of the production facilities were under lockdown and other restrictions for considerable. Placing pressure on output. This was particular significant in Melbourne which is a major hub for caravan production in Australia. While reports have that now the Aussie industry is back on track with production output, the imported models appear to have filled some pent-up demand for eager buyers. When deciding on which brand or origin of build to purchase, individual buyers will have their own buying criteria. These may include: – covering off on reviews of all brands; ensuring the vehicle is eligible for registration in your state; warranty; ease of servicing and maintenance; amongst other matters. Another factor to consider could be caravan insurance. If purchasing an RV with finance, buyers will be required to take out insurance. Like lenders, insurers will have their own individual criteria in regard to insuring imported compared with Australian made vehicles. Key focus will no doubt be on specifications meeting local regulations in order for the caravan to be registered and towable on Australian roads and in regards to safety. Check with your state roads authority for details. While the focus here is on fully-imported builds, it should be noted that components and elements of construction may also be imported for inclusion in Aussie-made products. ## Versatile Secured Caravan Loan When it comes to finance for an imported compared with a locally produced caravan, our [Secured Caravan Loan](/secured-caravan-finance "Browse our range of secured financing for caravans") is available for all RVs. This versatile loan product is suitable for a wide range of makes and models and suits most buyers. If a vehicle is available for sale on the Australian caravan market, then it is fairly sure it will be available for finance through Jade Caravan Finance. Subject of course to lender approval of the buyer’s loan application. Our Secured Caravan Loan follows a relatively standard secured loan format:- - The caravan is used as security against the loan by the lender. - Suitable for new and some used caravans. - Borrower repays the loan in equal monthly repayments over a fixed loan term. - Advertised interest rates, Comparison Rates and loan features refer primarily to new goods. Jade caravan loans also include the advantages of:- - Cheap interest rates which are fixed over the full loan term. - Fixed terms up to 7 years. - No deposit finance for approved customers - Loan offers sourced from across a vast lender base to ensure the cheapest is secured. Lenders will of course assess the condition of goods when preparing their loan offer. The value is compared with the loan amount. Price will of course affect the total loan amount and often is a major purchasing factor for buyers. When it comes to imported v local on the price factor, despite any additional cost issues around shipping and import costs and exchange rates, some imported caravans are priced highly competitively. But some are higher priced and will as such require a larger loan amount. ## Comparing Caravan Rates in Terms of Repayments If weighing up purchasing a particular imported compared with a local-built model, the final decision may come down to price. Or more significantly, the loan repayments. To make that process quick and easy, simply refer to our caravan finance calculator. When seeking finance, it’s also beneficial to explore options for the [best rate caravan loans](/interest-rates "Start your caravan journey with our best rates") to ensure cost-effectiveness over the loan’s duration. If you have any doubts about the availability of finance for the make/model you are considering, gives us a quick call for clarification and/or a finance quote. New regulations for the caravan industry came into effect recently and for more information on these and to check for the industry association’s accreditation, buyers can refer to the [Caravan Industry Association](https://www.caravanindustry.com.au/accreditation/industry-supplier/accredited-suppliers/ "Navigate the world of caravanning with the association"). **For a finance quote for a Chinese-built caravan contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [Borrowing Capacity and Caravan Loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/how-borrowing-capacity-can-impact-caravan-loans) **Published:** December 6, 2021 **Author:** Publisher **Content:** If you’ve ever taken out or applied for a home loan, then it’s highly likely that you would have encountered the expression ‘borrowing capacity’. While extremely prevalent in the home mortgage market, borrowing capacity is also significant when applying for a wide range of personal loans for different types of goods. If you are considering applying for [finance on caravans](/ "Access our caravan finance application"), it can be important to understand how borrowing capacity can impact caravan loans and what actions a loan applicant can do to improve individual borrowing capacity to achieve a cheaper caravan loan. ## Borrowing Capacity: Explainer By definition, borrowing capacity is a specific amount of money that an individual is approved to borrow from a lender. While discussed widely in the home loan market, it is one of the assessment factors which are considered by lenders in approving all types of loans including caravan finance. In the home mortgage market, lenders including some which we are accredited with for caravan finance, provide calculators for individuals to assess their borrowing capacity prior to application. Borrowing capacity varies for different individuals as it is assessed on individual financial circumstances. By knowing the capacity ahead of time, buyers can adjust their purchase scope to suit the amount they are more likely to be approved to borrow. It is not essential to know individual borrowing capacity prior to applying for a loan. As a [Licensed Credit Provider](https://asic.gov.au/for-finance-professionals/credit-licensees/ "Trust our certified professionals for your needs"), Jade Caravan Finance adheres to the Responsible Lending Guidelines as established under Australian Consumer Laws. These include not offering a loan to an individual that is inappropriate for that person. Lenders assess a range of aspects of an individual’s financial circumstances to establish a figure for their borrowing capacity. This includes their income, their debts, current and recurring expenses and assets. The [credit profile](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Understanding your personal credit profile") and credit score is a vital part of all loan approvals processes but this differs from borrowing capacity. The credit score reflects the risk of the borrower repaying the loan as it is a record of payment history including loan and payment defaults and other issues. ## Impact on Caravan Finance Rates As mentioned earlier, the borrowing capacity of a loan applicant forms an integral part of assessing all types of loans. The lender will assess if they consider the applicant has the capacity to repay the amount of the caravan loan being requested. This is especially crucial when considering [low rate caravan loans](/interest-rates "Click here for information on our low rate caravan loans"), as the terms might be more stringent. As no deposit finance is available on our caravan loans, buyers seeking this option will be seeking to have the entire purchase price of the caravan including in the loan amount. Where the lender does not assess the borrowing capacity to be congruous with the loan application, a number of outcomes are possible:- - The caravan finance application for that loan amount may be rejected. If this is the sole basis for the application being rejected, applicants can review the amount being requested. This may involve paying a deposit to the seller and as such not requesting no deposit finance or purchasing a lower-priced RV. - The lender themselves may request that the finance total be reduced. - The lender may request additional security as well as the caravan as a guarantee against the finance. - Where the risk assessment is judged as high, a higher interest rate may be attached to the caravan loan. When working with Jade, your consultant will be liaising with the lenders and negotiating to achieve the optimum outcome for your finance. ## Improving Borrowing Capacity and Achieving Loan Approval Most individuals will have a pretty good idea of what they can afford in potential caravan loan repayments even before making an application. They know how much spare they have each week or month after their essential needs and expenses are met. The Governor of the Reserve Bank, Philip Lowe, has mentioned in a number of statements recently that many household balance sheets are in good shape following extended pandemic lockdowns. A reference to the monies save by not being able to get out and spend on many discretionary items. But an individual’s concept of their personal ‘affordability’ may differ from a lender assessment. Prior to applying for caravan finance, individuals can take steps and make changes to their financial status in an effort to improve the borrowing capacity and hence achieve a better loan. - Clearing other loans and any credit card debts can improve that side of the balance sheet. With less regular commitments, the capacity can be increased. - Cutting back on some spending may also assist. This may be for luxury or non-essential goods and services. A new spending pattern would need to be established over a period which meets the lender’s assessment guidelines. - The income side of the balance sheet may be more difficult to improve where the individual is employed on a fixed wage or salary and where there is no forecast wage increase on the horizon. - Address any issues on a credit score. - And of course, as mentioned previously, opting for a cheaper caravan can be something to consider. Caravans cover a wide spectrum of types and price ranges with models to suit most people and budgets. By engaging Jade Caravan Finance as your lender, we can assist with the application process, select the lender that best meets the requirements and negotiate for an optimum outcome for both our customer and our lender. **Call 1300 000 003 to discuss your caravan finance requirements with a Jade Caravan Finance consultant.** *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.* **Categories:** Loan Tips --- ### [Considerations for No Deposit Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/considerations-for-no-deposit-caravan-finance) **Published:** December 6, 2021 **Author:** Publisher **Content:** Caravan sales experienced a massive surge during 2020 and through this year as Australians were forced to rethink interstate and international holiday and travel plans. The appeal of the classic getaway RV remains high even as many restrictions have been eased. As buyers look to purchase their new caravan, many are also looking for [loans for caravan purchase](/ "Click here for information on caravan purchase loans") and that can include requesting no deposit caravan finance. Jade Caravan Finance takes a look at some of the considerations for no deposit caravan finance that buyers should be paying attention to when applying for a loan. ## What is a no deposit loan? The term ‘no deposit finance’ does raise some confusion for those seeking both caravan finance and other types of loans for consumer goods. The potential confusion primarily lays in the differentiation between seller deposits and finance ‘deposits’. When placing an order for a new caravan, most [caravan dealers](https://www.caravanindustry.com.au/accreditation/industry-supplier/accredited-suppliers/ "Discover caravan dealerships in your area") will ask the buyer for a deposit or upfront payment. This is typically requested so the dealer can hold that particular vehicle from stock to sell or so a manufacturer can proceed with building the caravan as ordered. As most caravans are built-to-order, requesting an initial payment as a commitment by the buyer is certainly not an unreasonable request. With a showroom model which is available for immediate delivery, the deposit may be considered as a holding payment. The buyer has made the commitment and they then need time to arrange their finance or to secure a suitable form of payment from a bank, possibly a bank cheque. In the lending market context, ‘no deposit’ refers to the inclusion of the entire purchase price of the caravan in the finance amount. This may be the purchase price of the basic RV or the purchase price plus a range of optional extras and accessories as selected by the buyer at the time of ordering their van. A lender needs to approve the applicant for ‘no deposit’ caravan finance and that assessment will include the borrowing capacity of the individual, the credit score and other aspects of the financial status. It is worth noting, that even when a buyer does make an initial payment to the caravan dealer, a no deposit caravan loan can still be achievable. In these circumstances it is not unusual for the buyer to ask the dealer to ‘hold’ the deposit while they finalise 100% of the purchase price in the loan. When the purchase is settled via payment from our lender, the dealer would return the holding deposit to the buyer. Often such holding deposits are in the form of a credit card payment which is then reversed. Buyers would need to discuss these options with their RV dealer at the time. ## What type of caravan loans are ‘no deposit’? A no deposit caravan loan is not a specific type of loan. The concept applies across our loan portfolio for all types of caravans including traditional, off-road, toy haulers, camper trailers, mobile homes and others. Predominantly no deposit will be more applicable and achievable with the purchase of brand new caravans as opposed to second-hand, used vans. A no deposit loan can be requested for the most widely-used loan type, the [Secured Caravan Loan](/secured-caravan-finance "Get started with our collateral-based caravan loan program"). With this loan the caravan is used as security against the loan. It should be mentioned that while the buyer can request that the full amount of the purchase price be included in the loan, the approval is still up to individual lenders. Lenders will assess borrowing capacity and credit scores when considering such applications. Addressing credit score issues prior to making a caravan loan application can be advisable. Your Jade consultant will assist with these aspects as we know which of our lenders are most suited to individual customer requirements. ## How will no deposit affect the caravan loan? Despite [RBA](https://www.rba.gov.au/ "Navigate the world of finance with the RBA") Governor Philip Lowe saying that household balance sheets were in a good position as a result of lockdowns, meaning households had cash reserves, many buyers still seek to have the full purchase price of the caravan included in the loan. By opting for no deposit loan there are a number of positive and negative factors to consider, including:- - A no deposit loan enables the buyer to reserve their savings or other available monies for other purposes. - With the current historic low interest rate prevalent across the lending market, it can make sense for many buyers to borrow 100% of the purchase price. - In addition to the actual sale price, buyers may be eligible to have the many extras and options available with caravans also included in the loan. Thus saving using current funds for this purpose. Your Jade consultant will advise how this can be achieved. - By including the full purchase price in the loan, the loan amount is higher than if say an initial upfront payment was made which reduced the loan requested. This would result in the total interest payable on those two options being different. The no deposit option being greater. - The larger loan amount may require a longer loan term in order to achieve the desired repayment amount. This longer term means it will be longer before the full ownership of the caravan is achieved. This may not be of any consequence to many buyers. But if seeking to take out other loans in the future, reducing debt faster by repaying the loan sooner, may be beneficial. - The interest rate should not be impacted in general terms by a no deposit loan. The rate is primarily assessed and offered based on an assessment of the ability of the borrower to repay the loan. Many of these considerations are based on personal preferences and personal decisions plus the decisions of the lenders. Having a full discussion about whether or not no deposit caravan finance is best suited to your individual requirements with one of our consultants may assist you to arrive at a decision. **For a no deposit caravan loan quote, contact Jade Caravan Finance at 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.* **Categories:** Loan Tips --- ### [Good News for Caravanners: QLD Border Opening, Award Winners and More Updates](https://www.jadecaravanfinance.com.au/blog/loan-tips/good-news-for-caravanners-qld-border-opening-award-winners-and-more-updates) **Published:** December 13, 2021 **Author:** Publisher **Content:** For caravan owners who like to travel far and wide, it’s certainly been a difficult few years. On and off again and constantly changing, border restrictions have meant a lot of changed plans, altered routes and new destinations to discover. For many in a position to at least get out on the road it has been a great time. But many caravan owners from NSW and Victoria would be have been looking forward to heading north and enjoying all the delights that Queensland has to offer. Finally, there is good news for caravanners with their sights on travelling north. We deliver the latest good news for caravan travellers around the QLD border opening and other updates on topics of interest. ## Queensland Border to Reopen Earlier Queensland has implemented strict border restrictions throughout the pandemic. The border with NSW was not expected to reopen until closer to Christmas, but Premier Anastasia Palaszcuk has announced the date will be brought forward to 1am on Monday 13 December. So what do caravan travellers need to know? The border will be open for fully vaccinated interstate travellers from hot spots. Travellers will need to produce a COVID-19 negative test in the 72 hours prior to their entry into the state. Travellers can now arrive in Qld by air and by road – so it’s time to hitch up the caravan. Quarantine is not required for the fully vaccinated. No doubt the state will be bracing for a surge of holidaymakers and returning residents who have waited a long time for this opportunity. Authorities are calling for planning and patience, so if you intend to caravan up north, take heed and do your planning. When planning a Queensland holiday this summer, remember that flooding has occurred in some central and southern parts of the state. This will have an effect on roads especially unsealed roads. Those planning to visit off-road locations should research ahead for road conditions and suitability of camp sites and other free camping options. The recent rainfall and flooding may affect drinking water supply in some areas so you may need to take your own additional supplies. Demand will be strong for popular holiday parks, so book ahead to avoid disappointment. Download the Qld state check in app ahead of time and bookmark websites to stay across changing restrictions. For ideas and inspo on where to travel in Queensland stay across the [state tourism website](https://www.queensland.com/au/en/home "Your guide to exploring the state: state tourism website"). ## Industry Award Winners Victoria is a major manufacturing hub for the caravan industry with a plethora of leading RV builders and suppliers located in the state. With such a focus, it’s not surprising that great interest would be given to the Victorian Caravan Industry Awards. With so many great members in the running, who would take out the major gong this year? The Association’s Gala Awards was held recently in Melbourne with awards handed out in a range of categories. But the one of most interest to our new caravan buyers will be the Excellence in Caravan and RV Manufacturing – the best manufacturer of the year. For 2021 the winner of Best Manufacturer was awarded to [Crusader Caravans,](https://crusadercaravans.com.au/ "Discover the range of Crusader Caravan models") their second win in this prestigious category. Based in Epping Victoria, Crusader manufactures a stellar range of caravans and we have featured the brand in our blog articles. This is a great accolade for the company and could be the motivation you need to take a look at their range for your new caravan purchase. ## Caravan Safety Reminders Caravan sales have surged of late and that means there will be a lot more RVs on the road over the summer holidays. For both new and long-term caravan owners, it’s worthwhile refreshing your knowledge around safety when towing a caravan. The Caravan Industry Association initiated a [safety campaign](https://www.caravanindustry.com.au/caravan-camping-safety-campaign-launched-as-800000-registered-rvs-plan-to-hit-the-road-this-summer-and-take-over-4-million-trips "Discover our safety education program") in November and it could be worth revisiting the information. Key take-outs from recent research indicate that Monday and Sunday are the days when RV road users are more likely to have a crash as these are the popular days to return home. Accidents are more likely to happen in the morning between 10am and noon with more fatalities on regional roads. When purchasing a new caravan take the safety messaging on board and ensure you and your caravan are well-equipped for the towing task. In regards to equipment, speak with your Jade consultant about how we can assist by including any upgrades of safety gear in your caravan finance deal. Doing so won’t impact the interest rate offered on a [Secured Caravan Loan](/secured-caravan-finance "Caravan financing made easy with secured loans") but it will enable you to cover the cost of extras with the one loan repayment. ## Festive Season Finance Services For those that are making that last minute caravan purchase, possibly just secured a hard-to-get make or model our Jade Caravan Finance services will be available through December and January with normal trading hours. We have access to a vast selection of lenders to source cheap caravan loans and of course of web-based resources including Interest Rate Comparisons and Finance Calculators are available to use 24/7. **Call 1300 000 003 to discuss your caravan finance requirements with a Jade Caravan Finance consultant.** *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.* **Categories:** Loan Tips --- ### [Selecting a Caravan Finance Lender](https://www.jadecaravanfinance.com.au/blog/loan-tips/selecting-a-caravan-finance-lender) **Published:** December 13, 2021 **Author:** Publisher **Content:** Making the decision to get into the caravan and RV lifestyle is a very exciting time. The lifestyle offered and the vast and varied holiday and travel options available make this a highly-sought after experience. The process of selecting the right caravan can be an exciting but challenging experience. There are so many amazing makes and models on the market to choose from and many factors to take into consideration. But did you know that your choice of lender for your [caravan loan](/ "Discover the benefits of our caravan loans") can have an effect on the finance you are offered? We provide information on selecting a caravan finance lender, the options available and how the choice may impact the cost of the loan. ## The Caravan Lending Market: Overview A caravan purchase is not something that many people do very often in their lifetime. So when the situation does arise and buyers are seeking finance to make the purchase, they will be needing to assess what is available. The leisure and recreation finance market comprises both general lenders such as banks, dealer finance often provided through manufacturers or the dealers, non-bank lenders and specialist leisure market lenders such as Jade Caravan Finance. In addition to the range of lenders available, buyers also have the choice of handling the finance process by themselves by going direct to the bank etc of by engaging a specialist broker-style lender such as Jade to take on the entire process on their behalf. Choices made at the outset can impact the interest rate offered, terms and conditions of the loan and other factors. When you think that a caravan loan may be over a term of up to 7 years that is a significant amount of time to be committed to repayments that don’t work for you or with an interest rate that is higher than you could possibly have achieved. We work through the different options so you can arrive at the right decision for your finances. ## Review of Lender Options Most caravan buyers seeking finance will immediately start searching the internet for what is available. What might quickly become evident is that specific caravan loans may not be that easy to find. Many general lenders such as major banks and some finance companies, may not have a specific loan titled ‘caravan loan’. These lenders operate across many markets and while lending for caravan purchases, their loan types may not immediately reflect that fact. To simplify their offering, many of these types of lenders will offer a more general Secured Personal Loan. A secured loan is a loan where the asset or goods being financed and purchased are used as the security against the loan. The format is quite standardised across the finance sector. What is not standardised is the interest rate offered and possibly other aspects. Banks are open for all to approach and apply for a loan. But when doing so, few if any applicants will have much if any bargaining power to negotiate the interest rate down or come to an agreement on any sticking points with loan conditions. Buyers will of course want to source a number of caravan loan quotes in order to compare and to make an informed decision, confident that they have secured the cheapest offer. Great intentions and the right way to go – to check out a large number of lenders. What is not so great is the time involved in doing that and the potential impact that applying for multiple loan quotes can have on an individual’s credit report. Lenders do report loan applications to the credit agencies and multiple applications for the same loan can reflect poorly. Using a specialist RV and caravan lender such as Jade Caravan Finance can avoid and avert many of the downsides of DIY loan sourcing and deliver many upsides. As specialists, we do offer a Secured Caravan Loan which reflects our interest in serving this market sector and our understanding of the needs of those seeking finance. We operate in the style of a finance broker which means we have access to a large selection of banks, finance companies and other non-bank lenders from which to source the most appropriate and cheapest finance for our customers. Our services are available all caravan buyers and for the financing of all types of RVs and caravans. ## Comparing Interest Rates The major pluses of dealing with a specialist caravan lender is having access to this vast lending market from which to secure the best loans and having the bargaining power to negotiate on [caravan loan rates](/interest-rates "Compare caravan loan interest rates with us") and terms. The [RBA](https://www.rba.gov.au/ "Get insights from the Reserve Bank of Australia") sets the official cash rate but from that point, lenders then set the interest rates that they are prepared to offer for the different loan markets within which they operate. So the interest rates offered on caravan loans can vary significantly across the lender market. To easily illustrate many of the points we have raised here, we refer you to our Interest Rate Comparison Chart. We have compiled a listing of some popular and leading banks and lenders along with the loans they have available for caravan finance. It’s easy to see the differences in some of the loans, some offering fixed or variable interest rates and in the rates especially. By entering the amount of your loan you will see the estimated repayment for each lender. That will give you a good idea of how much less you may pay in caravan loan repayments by selecting a specialist lender such as Jade. So when it comes to buying that caravan, make sure you pay attention to your choice of lender so you secure the cheapest loan. **To speak with a specialist caravan lender for a quote, contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [Matching Caravan Purchase with Caravan Loan Repayments](https://www.jadecaravanfinance.com.au/blog/loan-tips/matching-caravan-purchase-with-caravan-loan-repayments) **Published:** December 20, 2021 **Author:** Publisher **Content:** The recent increase in interest in experiencing the caravan holiday and travel lifestyle has brought a lot of first-time caravan buyers into the market. Many of these buyers will be looking to purchase the RV with finance. With availability of caravans ready for delivery tight with some manufacturers, smart buyers will want to be totally ready to buy as soon as they source the van they want. But which van do you want? One of the keys to buying preparation is matching the caravan purchase with affordable caravan loan repayments and interest rate. Why and how do you do that? The ‘why’ is easy. So you don’t either commit to purchase a vehicle or to a loan that has repayments which simply don’t work with your budget. Or you settle for a less-than-you-really-want model thinking that is all you can afford when in reality, the repayments on a better van may be within your reach. Matching the caravan purchase decision with estimated caravan loan repayments as a first step in the buying process can save time, avoid disappointments and provide greater assurance of achieving purchase-repayment balance. To assist buyers, we provide tips and guidelines around matching repayments with the caravan you want before ordering. ## Caravan Finance Interest Rates First let’s start with interest rates. As most people are well-aware, interest rates are the key to loan affordability. What not all people may realise is that interest rates on different types of loans vary across categories of goods and across the lender market. Depending on the particular interest by a lender in extending loans in a specific area such as for caravans, the interest rate offered may be higher or lower than other lenders. This is why it’s crucial to search for the [best rate caravan finance](/interest-rates "Find the best possible rates for caravan financing") to ensure you get the most competitive deal. This is easy to see on our Lender Comparison Interest Rate chart. Rates in general have been at historic lows for the past 13 months due to [RBA](https://www.rba.gov.au/) rate cuts. But the interest rate offered on different caravan loans does vary across the market. A lower interest rate can mean lower repayments and a higher-level model caravan could become more affordable. To provide certainty over the full term of the caravan loan, buyers will usually want to be assured of a fixed interest rate loan. Jade provides a fixed interest rate caravan loan. This means, when calculated with the fixed loan term, the resultant repayments will also be fixed. Some lenders do offer variable interest rates on some consumer loans. With the RBA tipping 2024 for a rate rise and caravan loans extending over up to 7 years – yes, it makes sense to secure a fixed interest rate loan at this point in time. Under [Australian consumer finance legislation](https://asic.gov.au/ "Compliance with consumer finance laws in Australia"), lenders are required to advertise a Comparison Interest Rate which includes fees and charges and relates to a specific loan example. Make sure you are considering the correct interest rate when checking out the market. ## Pre-Purchase Loan Repayment Estimates If browsing the prices of caravans and trying to guesstimate what loan repayments could possibly be on different makes and models is doing your head in – stop right there. Recalling high school maths is not required to calculate caravan loan repayments these days. An alternative is that you could request quotes from multiple lenders either by phone or online and then wait for their replies to compare and provide a guide to affordability. But with caravans in short supply, delays can lead to disappointment. The quick and easy way to match up the caravan that suits your travel style and your budget is by using our [Caravan Finance Calculator](/loan-calculator "Caravan financing made easy with our calculator"). The calculator does not require any special skills and does not attract a fee or obligation. The price of the caravan or the amount the buyer chooses to borrow to make the purchase, is entered in the loan amount. The interest rate we currently advertise is entered and the preferred loan term. When using the calculator remember that we can achieve no deposit finance on new caravans and terms of up to 7 years can be offered. So the full purchase price of the RV including any optional extras that are required, can form the loan amount. Once the data is entered and CALCULATE clicked, the monthly repayment for that loan is shown. Repeat the process for all the caravans you are considering to find exactly which make and model may have the monthly loan repayments in your ballpark. It’s only an estimate but it is a definite help in the caravan buying process. When you find that perfect match, give us a call for a firm quote and to commence the loan application process. Matching the caravan to buy with estimated loan repayments prior to signing a sales contract is quick and easy, can reduce disappointment and increase the chances of buying the caravan that is ideal for your travel and holiday plans **For a quick quote on the caravan you are considering, contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [Comparing Caravan Finance Options](https://www.jadecaravanfinance.com.au/blog/loan-tips/comparing-caravan-finance-options) **Published:** December 29, 2021 **Author:** Publisher **Content:** Congratulations on the decision to join the Caravan Owners Club and start enjoying the great RV lifestyle. The decision to purchase a caravan can be extremely exciting and the start of an even more exciting journey to consider the amazing makes and models available. For most buyers, the purchase decision also means the necessity to source finance. So the journey to caravan ownership also involves a ‘stop-over’ comparing caravan finance options available. That ‘stop-over’ can be a brief and pleasant time if you are across the caravan finance market, understand how interest rates work and most importantly, you are aware of the expert services available to assist in securing cheap caravan finance. Specialists in the caravan, RV and leisure market, Jade Caravan Finance brings together a number of key issues to update your knowledge and streamline the loan sourcing and securing process. ## Caravan Finance Lender Market Caravan loans come under the umbrella of ‘consumer finance’ which, in general terms, is offered by a large range and number of banks and lenders. But not all these lenders will have an actual ‘caravan loan’ category listed in their range of loans. Caravans may come under a more general Personal Secured Loan which is provided to cover the purchase of goods such as boats, motorbikes and caravans. Approaching lenders that do specialise in this specific RV market, including Jade Caravan Finance, is where you are more likely to find a loan that has the title, [Secured Caravan Loan](/secured-caravan-finance "Discover the advantages of our secured caravan financing"). The consumer finance market includes:- - The major and 2nd tier banks where Australians traditionally go with a wide range of personal and business finance requirements. Banks can be competitive on interest rates and easily accessible. But they are not known for being flexible and negotiable when it comes to their individual loan conditions. This is in part at least due to their status as a banking institution and their corporate approach. - Finance companies are another major source of consumer finance and based on much of the advertising and promotion, portray an image of cheap finance deals. But many of these lenders are also large corporations that also operate to specific internal guidelines when approving loan applications. - Dealer finance is a source of loans that has soared in recent times. By offering buyers on the spot loans, dealers have a greater chance to turn prospective buyers into sales. These loans are usually set up with an arrangement with a bank or more commonly a finance company. While appearing a good option, some can conceal hidden commissions or costs. - Finance brokers such as the way that we operate, are easily accessible and available to individuals and their services can be extremely beneficial to customers. They are businesses that are accredited with a lot of banks and non-bank lenders and as such have direct channels and access to sourcing loan quotes for their customers. Select a broker that has the bargaining power and skills to negotiate a cheap interest rate and the loan terms and conditions to suit your requirements. ## Interest Rates on Caravan Finance The [caravan loan interest rate](/interest-rates "Click here for information on caravan financing rates") is the major driver of what your caravan loan will cost you over the complete term of the loan. So it is important that those seeking a loan are aware of the importance of achieving a cheap interest rate and make that their priority. The [RBA](https://www.rba.gov.au/ "Navigate the world of finance with RBA") sets the official cash rate and then the lenders establish their rates for the different markets they operate in. Rates will vary across different markets so you don’t necessarily get the same interest rate on a car loan as you will be offered on a caravan loan. Lenders set their rate according to their interest in lending to a particular sector. Those that are keenly active in caravan finance are more likely to offer cheaper rated loans. Loan applications are assessed for risk and for ability of the applicant to repay the loan. These factors will determine the interest rate offered. Caravan buyers may improve their prospects for being offered a cheaper interest rate by checking their credit profile prior to applying. ## Lots of Different Caravans – so which loan suits? The caravan market is extensive with a large number of different types of vehicles. Mobile homes, traditional caravans, off-road, semi off-road, toy haulers, camper trailers, camper vans – the range is massive. Fortunately for buyers, the same loan type from our portfolio applies to all these RVs. The [Secured Caravan Loan](/secured-caravan-finance "Browse our range of secured financing options for caravans") has a universally accepted structure and format for a secured consumer loan. The loan amount is secured for the lender against the actual RV itself. In most circumstances, no additional security is required to be approved for this type of loan when purchasing a new caravan. Used caravans will be assessed according to the age and condition of the vehicle and may attract different loan conditions to new vehicle loans. ## Expert Loan Services While there may seem a lot of ground to cover to get up to speed on caravan finance, there is a short-cut to achieving a cheap caravan loan that suits your purchase. Simple engage the expert services of a finance broker style lender such as Jade Caravan Finance. We save customers the time and the need to compare caravan loans by handling the entire process for them. Leaving them more time to enjoy the caravan buying experience and consider which make or model will best suit their holiday and travel plans. **For a quick quote on the caravan you are considering, contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [What is the security in a Secured Caravan Loan ?](https://www.jadecaravanfinance.com.au/blog/loan-tips/what-is-the-security-in-a-secured-caravan-loan) **Published:** January 3, 2022 **Author:** Publisher **Content:** For buyers of all types of caravans the Secured Caravan Loan is by far the most appropriate loan type. It is suitable to the purchase of new traditional and conventional caravans, RVs, motorhomes, camper trailers, off-road models, toy haulers, campervans and other variations. While not every bank or finance company might have a specific Secured Caravan Loan in their portfolio, these purchases are usually catered for under a generic Secured Personal Loan or similarly titled loan. The ‘secured’ loan is a general and extensively utilised consumer finance loan format which suits the purchase of many goods, especially new goods. But the ‘secured’ reference can create some misunderstandings around what that security actually entails. It could infer to some that it is safe but in what way is it ‘safe’? If this loan is ‘safe’ what other loans are ‘unsafe’? Anyone applying for a consumer loan should be doing so from a point of being well-informed. Licensed credit providers such as [Jade Caravan Finance](/ "Your caravan financing partner: Jade Finance") are required under [Australian Consumer finance laws](https://asic.gov.au/for-consumers/ "Compliance with Australian consumer finance laws"), to issue a range of information to loan applicants. Prior to making a loan application, we provide information on the security meaning of a Secured Caravan Loan to ensure applicants fully understand what is involved in their loan. ## Defining ‘Secured’ As with many terms used in the finance lending sector, the use of the word ’secured’ in secured loan is a reference from the lender perspective – that of the bank, finance company or other non-bank lender. It means that the caravan is the security for the loan. When taking on a secured loan, the loan applicant ‘offers’ the goods being purchased as security or guarantee for the lender. The lender can accept or reject the goods as suitable security. With the purchase of new caravans, in many instances, the caravan will be accepted by the lender as security against the loan. In some instances for example where the applicant may considered a higher risk or where issues around the loan amount requested exist, additional guarantees by way of other goods or property or assets may be requested. When purchasing second hand goods, lenders will assess the condition and age of those goods as part of the loan approval process. In cases where the caravan is not seen as acceptable security for a secured loan by a lender, the loan applicant can consider an [Unsecured Personal Loan](/unsecured-personal-loans "Start your loan application for an unsecured personal loan"). With an unsecured loan the goods being purchased with the loan are not the guarantee for the finance. The lender will often request another form of security. If totally unsecured a higher interest rate will apply. The secured goods in a secured loan are the guarantee for the lender that in the event that the borrower defaults on their caravan loan, they have a back-up so to speak to recover the money outstanding on the debt. Defaulting on a loan means not meeting the repayments schedule. The way defaults are handled can vary from lender to lender. If a single payment is missed and then made up and possibly a plausible reason provided, the lender may take no action. But a fee may be charged. If multiple payments are missed the lender will then categorise the caravan loan as in default and commence proceedings to repossess the caravan. This is a particular challenging situation for the borrower and one that should be avoided. A loan default is reported by the lender to the credit reporting agencies for entry onto the individual’s credit report, causing a downgrading of the credit rating. This poor [credit rating](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Click here to check your credit rating") can remain for a considerable time period and cause problems for the person when applying for credit and loans in the future. ## Caravan Loan Borrower Security While the secured in a secured caravan loan offers a guarantee for the lender, Jade Caravan Finance builds elements into our loans which can provide at least certainty if not total security for our customers. Our expert services secure loans for customers that have been specifically sourced and negotiated to meet their requirements. This includes meeting their preferred repayments amount. Ensuring the monthly repayment amount is workable with an individual’s budget is an important step to ensure they don’t default and risk losing their caravan through repossession. Our fixed interest rates and fixed loan terms also provide our customers with security against increases in lending interest rates during the course of their loan. Once the loan is finalised and settled, the repayments, rate and term remain stable until the finance is paid out. Caravan owners do need to take actions to ensure security for their caravan. Damage and accidents may be covered under insurance but repayments still have to be met. Ensure you avoid pitfalls by swatting up on advice from experts which is readily available on the net, take lessons in towing and always do pre-travel checks. The[ Secured Caravan Loan](/secured-caravan-finance "Get started with our secure caravan loan program") is a versatile loan product and with our cheap interest rates, presents an affordable way to purchase all types of caravans. **Call 1300 000 003 to discuss a Secured Caravan Loan with a Jade Caravan Finance consultant.** *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.* **Categories:** Loan Tips --- ### [Estimating Caravan Loan Repayments](https://www.jadecaravanfinance.com.au/blog/loan-tips/estimating-caravan-loan-repayments) **Published:** January 10, 2022 **Author:** Publisher **Content:** With so many holiday and travel options off the agenda many Australians have turned to caravans and RVs in their droves over the past few years of the pandemic. Even with most interstate and international travel restrictions eased, many are still taking a cautious approach to travel. With Omicron identified as a fast transmitting variant, holidaying and travelling in your own space makes a lot of sense. If you’ve made that choice and decided to buy your first caravan, chances are you will require finance. One of the first things caravan finance seekers want to know is what will the loan cost? Buyers want a fast and easy way of estimating caravan loan repayments to assist in the buying process. Banks, finance companies and even some RV manufacturers that offer finance will readily display the interest rate they are offering on their range of loan products. Some manufacturers and suppliers that are offering finance might also advertise a ‘from $xxx per month or week’. But often there are asterisks indicating ‘conditions apply’ etc which can be confusing. Jade Caravan Finance assists caravan buyers with tools for estimating caravan loan repayments so buyers can match their caravan purchase and their caravan loan to their budget. ## Comparing Caravan Finance Loans Before estimating repayments, buyers will first need to work out which lenders actually offer loans to purchase caravans. Browsing the personal loans sections of the major bank and finance company websites is one of the first steps most buyers will undertake. This is great except not all lenders will have a specific loan for caravans. Searchers may need to click through on a number of links to find out which if certain loans cover RVs. Lenders that operate in the general consumer finance sector may offer a generic secured loan which is provided to cover many purchases including cars, boats and caravans. Buyers are also presented with the choice of a secured or an unsecured loan in many instances. We assist buyers to clear much of the confusion by providing our Lender Comparison Calculator. This has been provided in a table format so it is quick and easy to brows and identify the details. We’ve selected a range of popular banks and lenders, many of which we are accredited with. The table lists the lender and the name of the loan that lender offers for RV finance. It also shows if the interest rate offered is fixed or variable. An important factor for those looking to lock in a caravan loan in the current low interest situation. Moving across the table, we show the advertised interest rate and the comparison rate offered by each lender. The first thing most will notice is the variation in interest rates offered by the different lenders. Lenders decide what rates they will offer on their loans based on a number of factors. The official cash rate as established by the [RBA](https://www.rba.gov.au/ "Navigate the world of economics with RBA") is used as somewhat of a starting point. Banks and lenders must then allow for their own costs in sourcing their funds and of course their operating costs. The interest rate can also reflect what is known as their exposure to a specific lending market. Essentially that is how they assess the risk of lending for different goods which can also reflect their interest in lending in that market. To estimate caravan loan repayments, all that our calculator users need to do is to put the amount their want for their loan and the number of years they want to repay the loan in the boxes at the top of the table. Enter those details just once and the calculations are made automatically across the entire list of lenders. In the far column will be displayed the estimated repayments on the loan type for each lender. This is only an estimate as all fees and charges will not be accounted for in the calculations. But as a quick tool for comparing lenders and quickly converting the price of a caravan to what it may cost the buyer monthly, it is extremely useful. ## Repayments Calculator The other tool we have provided for estimating loan repayments is our [Caravan Finance Calculator](/loan-calculator "Calculate your caravan financing with our calculator"). This allows users to easily vary the loan amount to immediately compare repayment estimates on differently priced caravans. It also allows users to see how varying the number of years on a loan term changes the monthly repayment. Providing a guide to what they may want their individual loan structured. Assisting with questions such as should you pay a deposit to the dealer to reduce the loan amount or opt for a no deposit loan? These tools are free to use and carry no obligation. To get a firm quote a call to us will be required. ## Achieving Cheaper Repayments The calculators are generic devices so they can’t allow for all the considerations that lenders will make when assessing individual loan applications. But if a lower repayment amount is desired, there are steps that individuals can take prior to applying to improve their prospects of a cheaper loan. Lenders will review an individual’s [credit rating](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Get insights into your creditworthiness") as part of the loan application assessment. Ensuring this is in good order is important for securing the cheapest interest rate and offer. Affordability will also be assessed so paying down debts may also contribute to achieving a cheaper caravan loan. When comparing all the different makes and models with varying prices, it is now an easy task to estimate the caravan loan repayments for each vehicle. **Call Jade Caravan Finance on 1300 000 003 for a quick caravan loan to confirm calculator estimates.** *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.* **Categories:** Loan Tips --- ### [Advantages of Fixed Caravan Loan Interest Rates](https://www.jadecaravanfinance.com.au/blog/loan-tips/advantages-of-fixed-caravan-loan-interest-rates) **Published:** January 18, 2022 **Author:** Publisher **Content:** Home mortgage holders will be well aware of the current situation with interest rates. Many would have seen their home loan rate drop significantly in the past 2 years as banks and other lenders responded to the RBA’s decisions to cut rates. This was done in a number of times in 2020 as the COVID-19 situation impacted the Australian economy. The cuts in the official cash rate followed through to many lending sectors including to caravan loan interest rates. With historic low rates now prevailing, media, adverts and commentary by finance analysts are urging people to fix their rates, to lock-in their rates and to search for better rates. Such comments relate primarily to home mortgages. Interest rates differ in both the amount and how they are applied to caravan finance as compared with home loans. For buyers of RVs and all types of caravans there are many advantages to securing fixed caravan loan interest rates when sourcing their finance. ## General Interest Rate Overview The RBA has held the official cash rate at the historic 0.1% low level since November 2020. The RBA Board meets each month to make their decision in regard to holding, increasing or cutting rates. Throughout 2021 the RBA consistently stated that it was awaiting the economic conditions of 2-3% sustained inflation plus lower unemployment levels before increasing the rate. The low rate scenario caused an uptick of sales in the housing market and a resultant surge in prices. As a result, many analysts were calling on the RBA to increase the cash rate to cool the market. The RBA resisted these calls and has held the rate steady. Prior to the emergence of Omicron the economy was bouncing back well from Delta and both inflation and unemployment figures were improving. The February meeting of the RBA Board will be the first since December 2021 and the first since the Omicron variant has taken hold. It will be interesting to see how these factors play out with the [RBA’s](https://www.rba.gov.au/ "Explore RBA's economic research") rate decision and in the comments made accompanying that statement. Despite the official rate being kept on hold, some home loan lenders have already moved to increase their rates. ## Caravan Finance Rate Options Loans to purchase caravans are available through a number of lenders. The type of loan and the specifications of the loan can vary markedly across the market. Some caravan loans include a variable interest rate and some, such as the [Secured Caravan Loan](/secured-caravan-finance "Click here for information on secured caravan loans") offered by Jade, have a fixed interest rate. Our Secured Caravan Loan is widely used for new RVs of all types – conventional caravans, off-road, semi-off road, camper trailers, camper vans, toy haulers, mobile homes and hybrids. In situations where the van is not suitable for or accepted as loan security, our consultants can source a quote for an [Unsecured Personal Loan](/unsecured-personal-loans "Unsecured personal loans made simple") for our customers. Unsecured Loans can be sourced at a fixed or a variable rate. ## Why Fixed Rate Caravan Finance is Desirable A fixed interest rate for a caravan loan is applied differently from a fixed rate home loan. So if you are familiar with the home mortgage market but have not previously applied for a caravan loan, this is worth noting. Fixed interest rates on caravan loans are actually fixed at the rate agreed at the time of application for the full term of the caravan finance. This is not usually the case with home loans. There are many advantages to securing a caravan loan with a fixed interest rate:- - The fixed rate on a caravan loan remains unchanged over the full term of the loan. By securing a caravan loan in the current historic low rate environment, buyers can enjoy that low rate for all the years of their loan term. Even when the RBA increases the cash rate, the rate on a fixed rate caravan loan would remain unchanged. - The fixed rate along with the fixed term deliver a fixed monthly caravan loan repayment. This provides welcome certainty to many buyers. Those planning to travel for extended periods need not worry about changing rates and changing repayments. Those planning other purchases in coming times can do so with greater clarity around their financial commitments. - Planning household budgets and expenditures is streamlined with the knowledge that the caravan loan monthly commitment will remain steady. ## Achieving a Fixed Rate and Lowest Rate Securing a caravan loan with a fixed interest rate presents many advantages. But securing that fixed interest rate at the cheapest rate possible is even more desirable. We’ve compiled a list of banks and lenders which sets out their current loans and corresponding [caravan finance rates](/interest-rates "Discover our low-interest caravan finance options") for caravan finance. This provides a quick and easy reference to the lowest rated loans on the market. When considering interest rates, note that unless otherwise indicated, advertised interest rates are for new caravans and usually for applicants with a good credit score. To ensure they receive the lowest rate loan offered, applicants can address issues with their credit profile prior to submitting a loan application. Lending rates are currently extremely attractive and securing fixed interest rate caravan finance at our cheap rates presents many advantages for those aspiring to the caravan lifestyle. **Call Jade Caravan Finance on 1300 000 003 for quote on a fixed interest rate caravan loan.** *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.* **Categories:** Loan Tips --- ### [Including Fire Safety and Security Equipment in a Caravan Loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/including-fire-safety-and-security-equipment-in-a-caravan-loan) **Published:** January 23, 2022 **Author:** Publisher **Content:** When enjoying a holiday or travelling, your RV is essentially your home away from home. While the lifestyle may be carefree and relaxing, it’s important to maintain vigilance and pay attention to safety and security as you would in your bricks and mortar home. When purchasing a new RV with finance consider including a range of fire safety and security devices in the purchase so they can be included in the caravan loan. Many caravan manufacturers offer buyers a great selection of extras and accessories and options so each purchaser can customise their RV to suit their specific lifestyle and travel needs. While it may be tempting to focus purely on the aesthetics and luxury inclusions and get caught up in what sized water tanks and solar panels you might need, don’t overlook those less glamorous items. The accessories which could increase the safety of your caravan, yourself and your fellow travellers. When including accessories and extras in the same purchase order as the vehicle itself, your [Jade Caravan Finance](/why-jade-caravan-loans "Explore Financing Solutions with Jade Caravan Finance") consultant can, in most instances, include those costs in the overall caravan loan package. We cover off on why fire safety and security measures are important and how we can assist buyers to ensure they have the correct equipment for their vehicle. ## Fire and Rescue NSW Advice for Caravan Owners The surge of interest in purchasing caravans over the past few years due to the pandemic, has led to an increase in new RV owners on the roads, in free camp sites and in caravan parks. [Fire and Rescue NSW](https://www.facebook.com/frnsw) has noted this fact and issued timely reminders on social media around fire safety. Fire and Rescue NSW advise caravan owners to:- - Ensure the caravan has a working smoke alarm. - Ensure the caravan is equipped with a dry chemical powder fire extinguisher and fire blanket. - Locate the extinguisher and blanket near the exit. - Ensure that the LPG cylinders have been correctly secured. - Ensure the hose lines and fittings are in good working order. - Avoid the use of candles and open flame in the caravan. - Do no smoke inside a caravan. When staying in a holiday park or free camp site, authorities also advise caravan owners to know the exact location and street name in case there is a fire and they need to call 000. When in a park, check out the location of evacuation locations and hose reels on arrival. When storing a caravan when not in use, make sure all precautions are followed in regard to gas bottles and other fire safety issues. When buying a new RV from a caravan manufacturer or dealer, add fire safety equipment to that list of extras. Many manufacturers will no doubt include some of this equipment as standard but you may like to upgrade or add extra items for additional peace of mind. ## Security Equipment The whole point of the caravan lifestyle is to enjoy a laid-back and relaxing time on the road or on holiday. But while you’re being carefree there can be others that are all too ready to take advantage of any situations to steal possessions. Ensure your new caravan is equipped with good security measures to protect both the vehicle itself and your contents. Caravans have plenty of electronics which can be appealing to thieves as well as your own personal possessions. At the time of ordering a new caravan, speak with the dealer or manufacturer about what additional security measures they can install. These may include alarms, additional locks for windows and doors and to secure external tunnel boots and accessories. Also discuss what devices can be installed to protect against theft of the caravan itself. Insurance is required when purchasing a caravan with finance. When considering a policy ensure you are clear around what is and isn’t included, especially in regard to contents and any accessories. When not using your vehicle, make sure it is stored in a safe place and in a safe manner. ## Including Safety Equipment in Caravan Loan Including the safety equipment and gear required in the original caravan purchase, enables our consultants to include the cost in the caravan loan. If individual items are purchased and installed after purchase, they cannot be added into the loan. Our consultants can advise you of what extras and accessories can be included in a caravan loan and how this can be achieved. To ensure you achieve the outcome you are seeking, speak with us prior to finalising your caravan order. ## Calculate the extra caravan finance costs Extras and accessories on a caravan are not all about enhancing the luxury, comfort, and enjoyment. They are also about increasing the safety of the vehicle and the occupants. When considering financing for these extras, a [caravan loan repayment calculator](/loan-calculator "Calculate caravan financing payments here") can be a helpful tool. Cover all angles to ensure you enjoy a safer time on the road. **Call Jade Caravan Finance on 1300 000 003 to discuss what can be included in your caravan loan.** *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.* **Categories:** Loan Tips --- ### [Who can you turn to for caravan finance advice?](https://www.jadecaravanfinance.com.au/blog/loan-tips/who-can-you-turn-to-for-caravan-finance-advice) **Published:** January 30, 2022 **Author:** Publisher **Content:** Taking on any form of loan or finance is considered by most people as extremely significant. When that loan is for leisure rather than essential goods, the decisions to be made around the loan can become even more poignant. Of primary concern is ensuring the loan repayments on say the caravan finance will work with the household budget over the number of years of the loan. When embarking on the process of buying a [caravan with finance](/ "Caravan ownership made possible with financing"), many buyers will understandably be seeking assistance, help and caravan finance advice before making the commitment. Assistance which can instill confidence that they are making a good decision, provide clarity around the technicalities of the finance contract and help navigating the leisure market lending scene. RV buyers seeking caravan finance advice can refer to both financial advisors and finance brokers for advice and assistance when sourcing their loan. In seeking advice, buyers can view the caravan finance process from two perspectives – the caravan finance deal itself and their individual personal finance position in regard to the loan suiting their circumstances. In our role as a caravan finance broker style lender we are expertly placed to provide assistance with the loan while other finance professionals are better placed to provide advice around personal finances. Government bodies also provide easily-accessible information on consumer finance to assist those seeking loans. To assist buyers find the advice, information and assistance which is available we have prepared this handy explainer around the differing roles of finance professionals and links to resources and loan tools. ## Sourcing General Consumer Loan Information For those that have not applied for a consumer loan for say a caravan for some time or possibly ever, acquiring a good general knowledge around what to expect can be helpful. Knowledge provides confidence and that can be very important when making financial decisions. The area of consumer finance is overseen by [ASIC](https://asic.gov.au/ "Learn more about Application-Specific Integrated Circuits (ASICs)") which is a government body. This body is the official regulator of the consumer lending laws in Australia. ASIC approves lenders as Licensed Credit Providers and sets the Responsible Lender Guidelines that lenders such as Jade Caravan Finance must adhere to. Referring to their resources provides insights into what buyers can expect when applying for caravan finance. Another very useful resource is [MoneySmart](https://moneysmart.gov.au/ "Click here for MoneySmart insights"). This is an easy-to-navigate website which clearly and succinctly explains many of the topics around consumer loans and credit. Note the information on credit reports and credit scores. Having a good credit score is important to achieving the best interest rate and loan conditions. While not directly related the subject of finance, consumer law can be important to caravan buyers. Consumer law covers the rights of buyers including warranties and guarantees. Some consumer laws are Australia-wide and others may be state-based. Refer to the relevant department in your state government website and the state where the caravan manufacturer is located for information on your rights. ## Consumer Finance Advice Specialists There are numerous experts and professionals offering services in the finance sector. Understanding the different roles and responsibilities of each can greatly assist in quickly sourcing the right people to assist. In regard to the caravan loan, Jade Caravan Finance is a specialist in this field. Our role as a finance broker is to address the interests of our customers specifically. That means sourcing the best loan from across our vast lender panel that best meets the requirements of our customer. Our consultants negotiate with our lenders to achieve the cheapest interest rate, process the loan application and assist with settlement. Jade Caravan Finance is a Licensed Credit Provider under the ASIC regulations and abides by their Responsible Lending Guidelines. When seeking loans, always ensure the lender is licensed. The other important perspective to cover off is the individual personal finance position. Essentially the capacity of the individual to take on loans. For advice on this, individuals are recommended to refer to their financial advisor. The role of a financial advisor is to advise individuals on personal finance decisions. That may be in regard to their superannuation, budgeting or investments. Some people have a dedicated financial advisor while others may utilise the services of their accountant for this purpose. It is not our role as a lender to provide personal finance advice to customers. You will note that in many instances in our information, we include the disclaimer that if individuals require this type of advice they should refer to their financial advisor. When applying for caravan finance with Jade we will provide you with written information about consumer finance as is a requirement under the Responsible Lender Guidelines. It is also our responsible not to offer a consumer loan which is deemed unsuitable for an individual. We hope this has clarified any queries you may have had around applying for consumer finance who to approach for help with making financial decisions. For more information on how we can assist you with cheap caravan finance, please reach out to speak with one of our consultants. **Contact Jade Caravan Finance on 1300 000 003 to discuss how we assist caravan buyers with finance.** *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.* **Categories:** Loan Tips --- ### [RBA Interest Rate Decision: Impacts for Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/rba-interest-rate-decision-impacts-for-caravan-finance) **Published:** February 7, 2022 **Author:** Publisher **Content:** Following the [RBA](https://www.rba.gov.au/ "Get insights into RBA's interest rate decisions") (Reserve Bank of Australia) Board meeting on the first Tuesday in February, those considering a purchase with caravan finance now have a better indication of what may happen with interest rates in 2022. There has been a lot of commentary around interest rates in recent months with many calling for, suggesting, predicting the RBA should increase the cash rate. The February meeting was the first for the year and the first since early December 2021. With so many developments and impacts on the economy over that interval, many were keenly awaiting this meeting for the RBA’s decision and outlook. Global supply issues continue to impact stock of goods in many sectors while the spread and increase in Omicron cases has put pressure on businesses with so many staff furloughed. There has been a significant surge in the inflation rate and the unemployment has continued to fall, despite the impacts of Omicron. Prospective buyers with plans to purchase a new RV in coming months or are waiting delivery of their order will be keen to have clarity around interest rates especially in regard to caravan finance. We are covering off on the decisions and comments which emanated from the February RBA Board meeting and what effects the outcomes may have on caravan finance interest rates. ## February RBA Board Meeting Outcome At the February 2022 meeting, the RBA Board kept the official cash rate on hold at 0.1%. The rate has been at that historic low level since November 2020 after the RBA made several cuts in 2020 as part of monetary policy to stimulate the economy from the effects of the initial outbreak of COVID-19. Since that time, the Board has been consistent in declaring the targets it was seeking to see in the economy to trigger an increase. Those targets are inflation sustained in the 2-3% range and unemployment around 4% or lower. While the Board maintains it is waiting for the targets to be met rather than an exact timing, it has regularly stated that it did not expect those conditions to be achieved until around 2024. But the economy has recovered more quickly from the effects of COVID-19 than anticipated, a point acknowledged by the RBA in the statement announcing the February outcome, and inflation has surged recently. It is now looking highly likely that an increase in the cash rate could be made this year. The RBA notes that the economy recovery has not been derailed, despite the large number of Omicron cases and the disruption this variant has caused to many business. It sees the pandemic as a reason for uncertainty, but expects a lift in spending as the case numbers decline. The balance sheets of businesses and households are in a good position and investment by businesses is continuing to lift. The construction industry has a significant amount of work in the pipeline and the economy has been well –supported by macroeconomic policies. All these points are positive for the economy moving forward. December 2021 figures have unemployment at 4.2% and this is indicating a strong recovery in the labour market. The RBA’s forecast for unemployment is below 4% in 2022 and dropping to 3.75% by end 2023. They note wages growth has seen some increase but it is only gradual as forecast. There are a large number of job vacancies so as the labour market continues to tighten, wage growth should rise gradually. The recent surge in inflation has been the cause of much of the calls for a rate increase. While this has risen at a faster pace than anticipated the RBA confirms its intent to remain patient in regard to raising rates. The same targets of 2-3% sustained inflation and unemployment figures dropping towards full employment remain. The day after the Board decision on interest rates, RBA Governor Dr Philip Lowe addressed the National Press Club and provided additional insights into the RBA’s forecasts and outlook for the economy. Dr Lowe summarised by saying that he was optimistic for the economy. He acknowledged that challenges still existed despite Australia weathering the effects of the pandemic extremely well. He pointed out that the economy was nearing the achievement of a key milestone in regards to unemployment. The forecast of 3.75% by 2023, if achieved, would be the lowest unemployment in Australia for 50 years. More detail on Dr Lowe’s address can be obtained on the RBA website. ## Position on Caravan Finance Interest Rates To place this in perspective for caravan finance, the lending market in general has enjoyed historic low interest rates, including some of the [best caravan loan rates](/interest-rates "Secure favorable interest rates for your caravan loan"), for the past two years. But that looks like coming to an end with a rise in the cash rate imminent some time possibly this year. Some analysts are predicting August. Banks and lenders use the cash rate as a base and they then establish the interest rate they will apply to their different loan markets. If the cash rate is increased from the current 0.1% it would be expected to see a rise in lending rates across most if not all markets. For those that already have a fixed interest rate caravan loan, they will not have any change to their loan. With caravan finance, a fixed rate is in place for the full term of the loan. This provides our Jade Caravan Finance customers with confidence and assurance that their loan repayments won’t alter with a fixed rate loan. ## Calculate Your Caravan Repayments While we always focus on achieving the cheapest interest rates at all times for our caravan finance customers, when there is a rise in the cash rate, it can flow through to increases by our lenders. So if you can bring forward your purchase and secure your caravan loan through us using the [finance caravan calculator](/loan-calculator "Calculate your caravan loan with our online tool") at the current low rates, it may place you in a better position than if you postpone the purchase to later 2022 or 2023. **Contact Jade Caravan Finance on 1300 000 003 to secure cheap interest rate caravan finance** *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.* **Categories:** Loan Tips --- ### [Offset Rising Fuel Prices with Cheaper Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/offset-rising-fuel-prices-with-cheaper-caravan-finance) **Published:** February 28, 2022 **Author:** Publisher **Content:** Rising fuel prices are becoming a key concern for caravan owners. A cost which is compromising the economical nature and appeal of caravanning. An option which, in general, is considered a relatively inexpensive form of travel and holiday as far as day-to-day expenses are concerned. But towing a caravan is known to reduce the efficiency of the towing vehicle and with rising fuel prices that can mean a serious bite into the budget. Purchasing a new RV with cheaper [finance for caravans](/ "Discover caravan loan opportunities") can be a smart move to offset the rising prices of fuel and cut the costs of touring and holidays. The cost of fuel is recognised as one of the major expenses for caravan tourers. Those that head off to explore Australia over several weeks or even months can face hefty and rising fuel costs as prices soar. While fuel pricing is not something you personally can control, it could be worth considering where else you can cut the costs of caravanning. Reviewing your budget to ensure that caravanning remains an affordable experience that you can continue to enjoy on a regular basis or over extended periods without worrying about the cost. If the caravan has been purchased with finance, the loan repayments may also represent a significant outgoing. Unlike fuel costs, loan repayments may be something you can control. Reducing the repayments by securing cheaper caravan finance is a logical and practical move to reduce the impact of fuel price rises on holiday and travel budgets. It can also make the overall RV purchase more affordable. Of course if the caravan van is set up for remote travelling, then [free camp sites](https://www.fullrangecamping.com.au/directory-categories/free-camps/ "Discover cost-free camping locations") can be utilised to cut the cost of park fees. But taking a holistic approach to expenses with a focus on the finance side may deliver a positive, longer term outcome. We share our expertise on how new caravan buyers can secure cheaper caravan finance and how existing caravan loan holders may consider refinancing to achieve lower loan repayments to reduce outgoings. ## Getting Cheaper Interest Rate Caravan Finance We share some basic tips and hints on how to achieve the cheapest possible caravan loan:- - The interest component of a caravan loan is the major contributor to the cost of the loan. So the objective of those seeking to achieve the cheapest loan is to seek out the cheapest interest rates. - The interest rate offered on loans for caravans varies across the lending market. - Buyers should compare interest rates from multiple lenders or engage a broker such as Jade Caravan Finance to handle that process for them. - Don’t jump into accepting dealer finance just because it seems quick and convenient. Check and compare other loan options and interest rates to ensure you are agreeing to the cheapest option. Refer to our Compare Interest Rates Guide to see what some lenders currently offer by way of interest rates on caravan loans. - Ensure you have a [good credit rating](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Find out how to improve your creditworthiness") prior to applying as the rates publicly displayed by lenders will apply to applicants with good credit. - Old and new caravans can attract different interest rates. Buying new will attract the lowest rate. - Check if the interest rate is fixed or variable. We offer fixed interest rates on caravan loans to provide our customers with the peace of mind that their repayments will remain the same as they enjoy their travels. While some banks and lenders are not in a position to or have a willingness to negotiate on rates directly with customers, your Jade consultant can handle that process for you. ## Achieving Lower Repayments Those seeking to reduce how much they need to pay on their loan on a monthly basis, may focus more on the repayment amount rather than the interest rate. But they are closely linked. While the interest rate determines the overall amount of interest payable on a loan, it is the term of the loan in conjunction with the rate which determines the repayments. Varying the term of the loan will result in a change to the monthly loan repayment. Using our Caravan Finance Calculator is an easy way to see how this works and formulate your own loan goals. A longer loan term will deliver a lower repayment but a larger interest total as the loan is taken over a longer period. A shorter term delivers a higher monthly payment but less interest payable in total and the caravan is fully owned sooner. ## Consider Refinancing If you are mid-way through say a 7 year caravan loan and you would like to enjoy lower loan repayments to balance rising fuel costs, refinancing may be an option. Speak with one of our consultants about the possibility to [refinance RV loan](/rv-finance "Lower your RV financing costs through refinancing") and we will lay out the options for you. The process will involve finalising the existing loan early and as such break fees will usually apply. These, in addition to the costs of the setting up the new loan need to be factored into the overall viability of the process for each individual. ## General Fuel and Cost Saving Tips There are a few ways that caravan owners can increase the fuel efficiency of their travels and reduce some of the other costs related to the caravan itself:- - Wind deflector installed on the towing vehicle - Ensure tyre pressure is optimum for towing - Reduce speed - Utilise apps to source the cheapest fuel when on the road - Keep your caravan well-maintained with regular servicing and cleaning to reduce the costs of repairs - Do regular checks and replace worn and wearing components early to avoid larger repair bills down the track ## Long Term Benefits Addressing achieving a cheaper caravan loan when you make your initial caravan purchase, can ensure you enjoy lower caravan repayments over all the years of your caravan finance, even when fuel prices (hopefully) stabilise or go down. Cheaper finance may also allow you to upgrade to a better model or to include a range of options which may assist to reduce fuel usage or make the vehicle and you less dependent on staying at holiday parks. Extra water tanks, extra fuel carrying space to load up with cheap fuel when you come across it and other efficiency measures offered by manufacturers which may reduce gas and other consumptions can be considered. **To discuss how we can assist you in achieving a cheaper caravan loan to offset rising fuel costs contact Jade Caravan Finance at 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.* **Categories:** Loan Tips --- ### [RBA Leaves Interest Rates Steady for March](https://www.jadecaravanfinance.com.au/blog/loan-tips/rba-leaves-interest-rates-steady-for-march) **Published:** March 6, 2022 **Author:** Publisher **Content:** Despite calls from many voices in the finance and economics sector for the Reserve Bank ([RBA](https://www.rba.gov.au/ "Navigate the world of central banking with RBA")) to move on interest rates the Board kept interest rates steady at its March meeting. The official cash rate has been at the historic low of 0.1% since November 2020. During 2020 the RBA reduced the cash rate on a number of occasions in the face of the economic effects of COVID-19 and to stimulate the economy. The outcome of the low interest rate climate has been seen significantly in the housing sector where prices have soared in many markets. This was the initial catalyst for some analysts to call for rate rise in 2021. But more recently a surge in inflation has increased the calls for the RBA to act. It has been predicted that the RBA will move on interest rates sometime in 2021 if not several times. The at the March board meeting, the RBA announced it would leave interest rates steady with cash rate 0.1% which continues the low interest rates scenario in many lending markets including caravan finance**.** The March RBA Board meeting was held amidst concerning global and local events. The war in Ukraine and the flood situation in the eastern states which was only just emerging when the Board met on Tuesday 1 March. Each meeting of the RBA Board on interest rates is followed by an official statement which outlines the Board’s reasoning and can throw some light on future decisions. This statement is always worth reviewing for those considering taking on finance. In the [statement](https://www.rba.gov.au/media-releases/2022/mr-22-05.html "Explore the Reserve Bank of Australia's announcement for May 2022") accompanying the March 2022 Board decision, RBA Governor, Philip Lowe confirmed the Bank’s position of demonstrating patience. Patience in regard to the Board’s target employment and inflation figures to be achieved prior to increasing interest rates. The Board will maintain a supportive position on monetary policy. The Ukraine conflict was noted as a new basis for some uncertainty. Mr Lowe highlighted that the global recovery from the coronavirus pandemic was continuing with Australia emerging and rebounding from the Omicron wave. Investment by business and consumer spending were both positive. Increases in the prices for energy and the disruptions caused by supply chain matters had contributed to sharp inflation increases in certain countries. Australia’s unemployment rate of 4.2% which is the lowest in the last 14 years is evident of Australia’s pick-up in the economy. However, it was acknowledged that the rate of inflation was rising at a pace faster than had been expected by the RBA Board. The forecast now is for the rate to reach 3.25% over coming quarters before reducing to a 2.75% level over 2023. Patterns of consumption are expected to return to more normal levels as supply chain issues are resolved. The inflation target for the RBA is a sustained level in the 2-3% range. The Board said it was too early to draw the conclusion that the current pick-up in inflation would be sustainable. Analysts and economists have predicted a rate rise by June. The RBA Board will next meet on the first Tuesday in April. More information on the effect of both the war in Ukraine and the economic impact of the floods will be available and it will be interesting to see how the Board responds. ## December Quarter Accounts Figures The first week in March was also the timing for the release of Australia’s [National Accounts figures](https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-national-income-expenditure-and-product/latest-release "Analyze GDP and economic trends with National Accounts data") for the 2021 December quarter. This period covers September through December 2021. The figures were announced by Josh Frydenberg, Federal Treasurer who said the figures showed a 3.4% growth in the economy in the period. Mr Frydenberg stated this 3.4% was the biggest growth figure in the past 46 year period. He went on to say that Australia is outperforming a great number of other countries and that the Australian economic recovery from the coronavirus pandemic as one of the strongest globally. The strong consumption rebound in the December quarter followed the most populous states – Victoria and NSW, emerging from the Delta outbreak lockdowns. The Omicron wave had not derailed the economy, Mr Frydenberg said. Comments which are in line with those made in the February statement by the RBA Board when announcing its decision on the cash rate. ## Caravan Finance Impacts So what does all this mean for those considering purchasing a caravan with finance? As Mr. Lowe mentioned in the RBA statement, lending remains extremely accommodative. Meaning, [caravan loan repayments](/calculator "Plan your caravan financing with our repayment calculator") interest rates in lending markets remain very low, making borrowing an attractive proposition for many. While the RBA is responsible for setting the official cash rate, this is rate for loans between banks. From that basis it is the individual decisions of the banks and non-bank lenders to set their interest rates in their own markets. For caravan loans, our Jade Caravan Finance rates will always be better and prospective customers can review the rates on our Interest Rate Comparison Chart. Caravan loans may offer a fixed or a variable interest rate depending on the lender. Our caravan loans have a fixed interest rate and unlike loans for ‘bricks-and-mortar homes’ a fixed rate loan for a ‘home on wheels’ is fixed for the full loan term. Securing a fixed rate caravan loan while the official rates are at historic lows, will ensure your loan is protected against any rises in the cash rate which may flow through to the lending market in the future. **Contact Jade Caravan Finance on 1300 000 003 for a caravan loan quote.** *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.* **Categories:** Loan Tips --- ### [Banks announce loan support for flood victims](https://www.jadecaravanfinance.com.au/blog/loan-tips/affected-by-flood-crisis-banks-announce-loan-support-for-flood-victims) **Published:** March 6, 2022 **Author:** Publisher **Content:** The flood crisis impacting Queensland and NSW is devastating and the clean-up and recovery process will take a long time. For caravan owners with an RV currently under finance who have been impacted as a result of the floods may be eligible for loan support for flood victims under measures announced by the major banks. We provide an update on what support may be available to those affected by the floods from the lending sector, what actions you should take if your caravan has been damaged by the floods and what is happening for those with caravan loans currently being processed by Jade Caravan Finance. ## Banking Sector Support The Australian Banking Association represents many Australian banks and as they did during the early stages of the COVID-19 crisis in 2020, the Association has already announced a range of measures available for individuals and businesses that have loans with the banks. The [Association issued the announcement](https://www.ausbanking.org.au/banks-offer-flood-victims-a-financial-lifeline/ "Discover what the association has announced"), signed by CEO Anna Bligh which outlines a raft of measures being offered. Individual banks may have varying criteria and eligibility for assistance and as such, Ms Bligh stressed that those affected should make contact with their individual bank to discuss the options which may be available for their situation. The list of support and assistance covers a range of options which will determined by individual circumstances. The list includes:- - Deferring loan repayments for up to a 3 month period - Fees and charges waivers - Debt consolidation to achieve more manageable levels of repayments - Establishment fee waivers for loan restructure - Deferral of payments on credit cards - Limits on credit increased to cater for emergency scenarios - Cash flow shortage finance options In announcing these measures, Anna Bligh said it should offer peace of mind around finances for those affected by the flood crisis. ## Contact Process for Caravan Loans If you are impacted and seeking loan support and your caravan finance was initially organised by [Jade Caravan Finance](/ "Visit the official website of Jade Caravan Finance"), you need to contact the bank or lender that your loan has been arranged with. The lender has extended the loan and it will be their decision as to the level of support in regard to loan repayments which is available. It must be noted that the Banking Association represents banks. However, as it did during the COVID crisis, it would be expected that many non-bank lenders will also make similar measures available to their customers. It is imperative that if you are not in a position to make your caravan loan repayments due to flood-related issues, you should contact your lender and discuss the situation. Simply letting repayments slip can incur negative reports on a credit profile which can result in bad credit and lower prospects for future loans. When discussing support measures with banks and non-bank lenders, ensure you are across the detail of what the assistance entails. A loan repayment deferral is not a complete waiver of the loan obligation. The repayments are effectively paused with a deferral and the loan repayment schedule resumed at the agreed time. This means that if a 3 month deferral is agreed upon, the loan term would be pushed out by an additional 3 months. ## Steps for Written-off Caravans under Finance Images are being shown of many RVs, caravans and even complete caravan parks inundated with flood waters. If you’re caravan or RV is a write-off or irreparable as a result of the flood, there are steps to be taken. ## Cheap Caravan Finance Interest Rates Lenders require caravans to be insured when purchased with [cheap caravan finance interest rates](/ "go to this page for more on interest rates"). The first calls should be to the insurer and to the lender. Many insurers have an online claim service which may be faster and more easily accessible than phone contact due to the large number of claims being received by insurers. Your insurer will advise the process that needs to be followed to make an insurance claim on your caravan. Once the claim is lodged, the insurer will arrange the payment to the lender for the amount owing on the loan or the insured amount, whichever is applicable. If the insured amount exceeds the amount owed on the caravan loan, the balance should be paid out to you. The lender will have lodged their security/interest on the goods on the [PPSR](https://www.ppsr.gov.au/ "Learn more about personal property security with PPSR") when the loan was arranged. It is also important to contact the lender and let them know what’s happening to avoid missed repayments affecting your credit rating. If you would like to immediately place an order for a replacement caravan and require finance, please contact Jade Caravan Finance and we will commence the loan process. ## Finance Applications ‘In Progress’ If you have been impacted by the flood situation and you have a caravan finance application at various stages of progress with Jade Caravan Finance, the application process will not be impacted. Our team are operating ‘business as usual’ to process loan applications. However, your circumstances have changed and you need to amend your finance application, please contact your consultant to discuss the options. Another issue to investigate is in regard to the situation for the caravan manufacturer you are buying from. Brisbane is a major hub for caravan builders and production may have been affected for some brands. Any delays may affect the timing you want for your finances. ## Flood Support and Guidance Government support is available for businesses and individuals who have been impacted by floods as is assistance from charitable organisations. Contact them individually to seek assistance. If you are currently ‘on the road’, take additional precautions and checks on the route you are planning. Many roads have been destroyed and many others will be seriously damaged. The full extent won’t be obvious until flood waters recede. **To discuss caravan finance matters contact Jade Caravan Finance at 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.* **Categories:** Loan Tips --- ### [What happens with a caravan loan when insurance is claimed?](https://www.jadecaravanfinance.com.au/blog/loan-tips/what-happens-with-a-caravan-loan-when-insurance-is-claimed) **Published:** March 13, 2022 **Author:** Publisher **Content:** The recent flood event in Queensland and NSW has left devastation across many areas. Caravan owners that have lost their RV in the floods are likely to have many questions around what to do and will happen in regard to their caravan loan. If a caravan under finance has been damaged or written-off due to the flood and an insurance claim is being made, there are steps to be taken in regard to the caravan loan. We address a number of key areas in regard to both handling the caravan loan while the insurance claim is being processed and how owners can go about sourcing finance to quickly replace their caravan with a new RV. ## Making Contact with the Lender When a caravan is purchased with a loan it is referred to as being ‘under finance’. With a secured loan, the lender will register their interest in the goods with the [PPSR](https://www.ppsr.gov.au/ "Explore resources from the Personal Property Securities Register"). The PPSR is a registry of security over personal property. When goods under finance are lost or written-off such as in the event of a flood, the loan holder should contact their lender as soon as possible. Jade Caravan Finance is accredited with many non-bank lenders and the major banks. If you arranged your caravan finance through us or through another finance broker, it is the actual lender you need to contact rather than the broker. Many lenders are currently offering personal loan relief for flood victims. This may apply to you but it will depend on individual circumstances. ## Impact on Caravan Loan Repayments When making an insurance claim for a lost or written-off RV, loan holders are still responsible to meet their caravan finance repayments. Which is why it is very important to contact the lender. When speaking with the lender, loan holders may ask for repayments to be paused during the process as the insurance company will be making the payout. If a pause cannot be arranged, it is important that the repayment schedule be met in order to avoid negative impacts on the [credit profile](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Get insights into your creditworthiness and financial profile"). ## Insurance Claims When taking out finance to purchase a caravan, lenders will require their customers to also take out an insurance policy to cover the goods being financed. When the caravan is damaged or in the case of say a flood, totally destroyed, owners should contact their insurer as soon as possible. Individual insurers will have their own processes for lodging and processing claims. With the large number of claims currently being lodged due to the widespread flood damage, insurers are busy so patience may be required. One issue which may be concerning some owners is if everything that was in the caravan at the time and is also now destroyed will be covered by insurance. This will depend on the details of the individual policy which was purchased. The lender will only require that the actual RV be covered by insurance to the value of the goods. Including any contents will be a matter for individual caravan owners. If accessories and options were purchased with the RV and included in the caravan finance, then these should be covered. For specifics, owners will need to check their individual policy and discuss this with their insurer. When purchasing a replacement caravan, this is an aspect that should be kept in mind. ## Impact on Credit Rating Another important issue is the impact on a personal credit rating or profile as a result of an insurance claim being made on a caravan under finance. In order to maintain a good credit profile, individuals must maintain their caravan loan repayment schedule. When repayments are not made, that is when the potential for a negative entry on a credit report can arise. This is why contacting the lender is important. The actual process of claiming insurance should not in itself have an impact on a credit score. The insurer should be finalising the amount owed on the loan with the lender and in so doing, the debt will no longer be listed on the credit profile. ## Lost Paperwork A major issue for many people affected by floods is losing all their documents and paperwork. In this instance, contact the lender and the insurer and they should be able to work through these issues with you. ## Sourcing Finance for Replacement Caravan Many caravan owners will no doubt be keen to replace their RVs as soon as possible. It may be required as a temporary home while repairs are carried out on a damaged property or to continue with holiday and travel plans. Jade Caravan Finance can get started with a new caravan finance application even while an insurance claim on the previous RV under finance is being processed. When an application is being assessed, lenders will see that the individual already has a caravan loan but our consultants will advise our lenders that that particular loan is the subject of an insurance claim. The interest rate on the new caravan loan will be based on the rates available at the time of application. This may be a different interest rate to the loan on the previous caravan depending on how long ago the existing loan was arranged. To compare caravan finance interest rates, simply use our [caravan loan repayment calculator](/loan-calculator "Use our caravan financing repayment calculator") which lists the types of loans and rates offered by a number of lenders. ## Relieving the Stress We fully appreciate the stress and worry that flood victims endure at these times. Our comprehensive caravan finance service will handle the entire finance process on your behalf to secure your new loan to purchase your new RV. Losing a much-valued caravan due to flood, accident or other circumstances can be devastating. But in regard to caravan finance, by following these actions, the issues should be resolved in a straightforward manner so you can proceed to purchase your new RV. **Contact Jade Caravan Finance on 1300 000 003 for a caravan loan quote.** *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.* **Categories:** Loan Tips --- ### [Assisting Flood Victims with Loan RVs: Impact on caravan loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/assisting-flood-victims-with-loan-rvs-impact-on-caravan-loan) **Published:** March 20, 2022 **Author:** Publisher **Content:** The flood and rain event which affected many areas of Australia’s east coast have left thousands in need of assistance. The outpouring of support from Australians has been significant with millions raised in a recent telethon and donations to support organisations. One way that RV owners are being asked to assist flood victims is by providing accommodation with their vans on a temporary, emergency basis. RV owners looking to provide temporary housing for flood victims where the RV is under finance, owners should address any possible impact on their caravan loan. The NSW Government is supplying around 120 mobile homes for flood victims and Camplify has put out a call-out to RV owners to assist with their caravans. The call-out is to provide accommodation to residents and for relief workers in the areas seriously impacted by the floods. Is this something you could do? We provide the information for your consideration and what implications may exist for caravans under finance. For those considering supporting this initiative with the purchase of an RV which can used by the owners after assisting flood victims, be also provide details on the accessing new caravan finance. ## Camplify Call-out for Flood Relief Camplify is a business that connects RV owners with people looking to hire or rent caravans. Matching owners and renters to effectively share the van. The arrangement can assist owners offset expenses and create an income stream. Details on participating including fees can be found at Camplify. The business is now reaching out to RV owners to assist in the provision of their RVs as emergency housing for those left homeless due to the floods. Their team is matching vans to the requirements of those in need through their platform. The arrangement includes free insurance. Those interested can find out more details and contact Camplify directly. ## Impacts for Caravan Finance and Insurance For those with caravans under finance, it would be astute to consider if there are any implications or issues arising from entering a share van arrangement of this type. Lending a caravan on say a ‘no fee or benefit received’ may pose a different situation in regard to a caravan loan to lending an RV when a fee, rental or financial compensation is received. Letting family and friends use your caravan when you are not using it may be viewed entirely differently to that of a rental arrangement. A [Secured Caravan Loan](/secured-caravan-finance "Secure Your Caravan Adventure with a Secured Loan") is provided for goods to be used primarily for personal purposes not for commercial use. Caravans to be used for commercial purposes may be purchased using a range of business loan products such as [Caravan Chattel Mortgage](/chattel-mortgage "Discover the advantages of Chattel Mortgage for caravans"). In the case of a Secured Caravan Loan, the caravan becomes the security against the loan. If the use of the caravan changes, this may be an issue. Lenders may take individual views on the subject. Those considering such a venture should contact their lender to discuss the situation and ensure that their loan will not be impacted in any way. When purchasing a caravan with finance, lenders require the RV to be fully covered by insurance. By entering a share-van arrangement that insurance may be impacted, Contact your insurer to discuss your particular situation. Camplify is offering information and contacts in regard to [rental insurance](https://www.camplify.com.au/owner-insurance "Get informed about insurance for rented properties") which may or may not be a solution for your individual circumstances. Purchasing any goods with finance comes with obligations as it involves entering a loan agreement with the lender. When circumstances present that may involve a change to the goods or the terms agreed to, the lender should be contacted to discuss any possible implications. ## Purchasing a New Caravan to Assist For those with a goodwill streak or community spirit wanting to assist in the efforts to loan caravans to flood-affected people, please reach out to us to discuss the finance options on new caravans. Buying a new caravan to initially loan out for the relief efforts and then use for your own holiday or travel plans. As broker-style lenders, we provide both personal caravan loans and business RV finance. We are accredited with many banks and lenders so we can match our customer requirements with the lender that will best suit and offer the most affordable and cheapest caravan loan. For those purchasing a caravan for private use, our Secured Caravan Loan is widely used, suits all types of caravans and RVs and has a secured loan format. For those acquiring caravans for commercial purposes, we offer a portfolio of business finance products including the versatile and popular Chattel Mortgage. For those who have lost their caravan due to the flood, please refer to our article on what to do in these circumstances. For those affected by the floods and seeking assistance with loan repayments, please refer to our post on sourcing loan relief. **Contact Jade Caravan Finance on 1300 000 003 for a caravan loan quote.** *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.* **Categories:** Loan Tips --- ### [Rate rise looming – what it means for caravan finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/rate-rise-looming-what-it-means-for-caravan-finance) **Published:** March 20, 2022 **Author:** Publisher **Content:** Most Australians will have some form of credit or loan whether it be a home loan, car loan, boat loan, caravan loan, or other personal loan. If you do, then chances are you have been listening to the coverage of interest rates lately. Specifically, the increasing prospect of a rate rise this year rather than around 2024, the timing previously flagged by the RBA. You might be listening but fully understanding what it’s all about, what’s causing it, and how it could affect your loans, including [used caravan finance](/ "Find out more about financing your used caravan purchase"), could be a concern to you. You’re not alone! If considering buying a new RV with a loan, grasping the implications and meaning of a rate rise and effect it may have on your caravan finance can be helpful with the buying and finance process. A better understanding of how interest rates are set and what causes rates to be increased, especially under the current economic scenario, can especially assist in timing the purchase and making the loan selection to avoid the added cost that a rate rise can present. We provide a brief summary of some of the current issues which are contributing to the prospects of an impending interest rate rise, the effect such a rise may have on caravan finance and how to minimise the impact on a new caravan loan. ## Issues Fuelling Rate Rise Prospects The release of the latest economic data plus events happening on the world stage have led to an increase in rate rise talk in the media. On the overseas front, the United States Central Bank, referred to as the Fed (Federal Reserve) increased the key interest rate for the first time since the start of the pandemic. The US is experiencing a significant increase in inflation, much larger than in Australia. But economists in Australia have said that the [RBA](https://www.rba.gov.au/ "Find economic research from the RBA") is extremely likely to follow the US with a rate rise in the near future. Closer to home and the release of the February unemployment represents good news for the economy but not so good news for those considering finance. The RBA has stated that an unemployment level possibly below 4% was a target for considering a rate rise. This combined with sustained inflation in the 2-3% range. In February the unemployment rate has again dropped to 4%, the lowest in many years. This is getting very close to RBA target territory. However, Stuart Robert, the Federal Minister for Employment, did point out that the unemployment rate could rise in March due to fall-out from the flood crisis. Many businesses have been lost or forced to close for extensive recovery and this may put a lot of people out of work. Now for inflation which has been rising in Australia since the bounce back from the variant Omicron got into full swing in late 2021. Inflation is a key indicator for the RBA to lift rates. While lending is cheap such as it is with the current historic rates in place, businesses and individuals are incentivised to spend and invest with finance. This pushing up inflation. Lifting lending rates is considered a lever to temper inflationary pressures. The pressures of costs of living in general are widespread. Fuel costs have been singled out as a major cause and the price of fuel is primarily determined by global events. The war in Ukraine is a source of concern in regard to a number of economic factors including supply chains and fuel. These are possibly the major issues which are red flags when it comes to the RBA lifting the cash rate in 2022 rather than as far out as 2024 which had been previously indicated as a possible timing. ## Rate Rise Impact on Caravan Finance When there is a rise in the cash rate as made by the RBA, the lending market typically follows by raising interest rates. This can impact many different types of both consumer loans, including [caravan loan rates](/interest-rates "Start your journey with favorable caravan financing rates"), and business finance. Individual banks and lenders decide how much of a rate rise or cut they will ‘pass on’ to customers. In general terms then, it could be expected that caravan finance interest rates from at least some of our lenders, will increase in the event of a rise in the cash rate. A higher rate of interest on a loan relates to higher repayments. To see exactly how much even a small rate rise could mean in additional caravan loan repayments use our Compare Finance Rates Calculator. For those with an existing caravan loan, if the interest rate is at a fixed rate, the loan repayments will not change. For those with variable interest rate caravan loans, the repayments can potentially rise when rates rise. ## Minimising Impact for New Caravan Loans For those considering new caravan finance, here are a few tips to minimise rate rise effects:- - Act quickly to secure a caravan loan at the current low rates before rates rise. - Secure a fixed interest rate caravan loan. - Engage Jade Caravan Finance to source your loan to ensure you secure the cheapest rated loan currently available. - Address any credit issues to ensure you are offered the cheapest possible rate. It now looks inevitable that the RBA will lift the cash rate this year so by expediting purchases with finance, buyers can avoid paying too much more on their caravan loan repayments. **For a caravan loan quote contact Jade Caravan Finance on 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.* **Categories:** Loan Tips --- ### [Pod Camper Trailer Loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/pod-camper-trailer-loans) **Published:** March 28, 2022 **Author:** Publisher **Content:** While many caravan buyers want bigger and better with all mod cons and full-on luxury, this is not for everyone. Buyers that want more of a camping experience but with at least some conveniences and especially the convenience of easier towing may consider a pod camper or pod trailer. These RVs have a lot going for them in many respects. Just as [new caravan loans](/new "Get informed about loan options for new caravans") are available for those wanting the latest models, pod camper trailer loans are readily available for those looking into this option. Pod campers are suited to those seeking a lightweight camper trailer option and pod camper trailer loans can be sourced through specialist caravan lenders such as Jade Caravan Finance. For buyers in the market for a small, easy-to-tow camper, we cover off on the virtues of a pod, a few makes to add to the consideration list and how to source a cheap loan to secure your preferred model. ## What is a pod camper? Pod campers or pod trailers is a smaller sized camper trailer which is designed for those seeking a lightweight option for camping. Camper trailers are extremely popular but despite being smaller than a traditional caravan, many still are quite heavy and require a large vehicle for towing. With the huge surge in popularity and availability of small to medium SUVs, the pod camper makes a lot of sense. They are typically constructed with more lightweight materials which allows for towing by smaller vehicles such as smaller 4WDs or SUVs, with many not requiring a special braking system. But always check suitability of vehicle with the manufacturer to ensure compatibility. ## Who would they suit? The pod camper would suit those looking for an RV without the added expense of having to upgrade their vehicle. Also those seeking a more convenient option for say a single or 2 person camping experience without too many extras. But these pods don’t completely ignore conveniences and a level of comfort. So it’s not quite the roughing it under canvas experience. Could be something for first timers or entry level buyers to test themselves in the great outdoors lifestyle before buying a full-sized caravan. Pod campers also, as expected, come with a lower price tag than a larger camper or traditional caravan so the budget-conscious may also be interested in this option. ## Pod Campers to Consider Australia has a great caravan and camper manufacturing sector and the pod camper trailer segment is covered. A number of brands stand out as worth Stockman is a leading brand in the pod trailer market with a great range of models which are manufactured in Australia. Based in Victoria at Carrum Downs, Stockman started in 2006 when the company released a world-first plastic tub and pod trailer. A product which won an award. The Stockman Rover is a great looking pod camper which offers those seeking a more simplistic outdoor experience a stress-free camping+ experience. [Check out the selection](https://podtrailer.com.au/) with all the extras and features available. [Lumberjack Camper Trailers](https://www.lumberjackcampertrailers.com.au/product-category/all-trailers/pod-campers/ "Learn more about the camper trailer manufacturer, Lumberjack") offer a number of pod camper models:- - Sorrento: This is a hybrid style with a lot going for it and a good range of upgrades to up the ante in conveniences and comfort. These include a rooftop tent to cater for additional people on your adventures. This model has plenty of storage, a great awning option which wraps around to make a fabulous outdoor space and in - Sheoak: Another compact design with great conveniences including a good cooking area, generous storage and a TV mounted inside so you won’t miss the latest ep of a favourite show. - Seville: This is a larger pod with sleeping accommodation for 4 and loads of conveniences. As a larger model, check that your vehicle will be suitable to tow. ## Pod Camper Loans One of the big attractions to pod campers is the lower price tag compared with say a small caravan. Sure you have to forego some luxuries but balancing cost:benefit, this could be worth considering. Of course, the optimum gain of a lower priced vehicle can be lost if you pay over the odds for your pod camper loan. That’s where considering competitive [camper trailer finance](/camper-trailer-finance "Explore the latest offers on financing for camper trailers") can make a difference. To ensure the pod camper is a cost-effective and budget-conscious buy, buyers will also be seeking cheaper caravan finance. Jade Caravan Finance offers finance for all types of RVs including the pod camper. Our Secured Caravan Loan is suited to these types of camper trailers and is available at our lower interest rates. The format of the loan is straightforward and simple – just like a pod camper. The camper becomes the security against the loan and the finance is repaid in equal monthly repayments over the finance period. For a quick comparison check on what loans are available at what interest rates, refer to our easy Compare Lender Interest Rates chart. This gives you a great idea of the market and by entering the amount you want for your loan, you can immediately receive an estimate of repayments. For a firm quote and/or to apply, just get in touch and one of our consultants will assist you. Tip: pod campers do come with a range of options and extras so buyers can set-up their vehicle to suit their particular requirements. By ordering these options at time of purchase, they can be included in the loan. But watch out for the weight or you may defeat the purpose of the purchase. The caravan and camping lifestyle is surging in Australia and a pod camper trailer may just be the ideal way for you to edge into the market to find out for yourself what it’s all about. **Contact Jade Caravan Finance on 1300 000 003 for a pod camper trailer loan quote.** *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.* **Categories:** Loan Tips --- ### [Custom Camper Finance and Conversion Kit Loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/custom-camper-finance-and-conversion-kit-loans) **Published:** March 28, 2022 **Author:** Publisher **Content:** While many RV buyers are seeking a completely ready-to-roll option, there are those that want that individual and personalised touch to their RV. Yes, there are plenty of options and upgrades available on many caravans and camper trailers that allow for personalisation. But a true custom job or conversion is a different story. But when considering placing a custom or conversion order, buyers may be wondering as to the availability of custom camper finance and conversion kit loans. As specialist lenders in the RV and leisure market, we offer a selection of finance and loans to suit most vehicles and most buyers. And we believe that customised RVs deserve tailored finance. So every loan is individually sourced and negotiated to specifically suit and meet the requirements of our customers and their custom vehicle. We have loan options available to suit customer camper purchases and those looking at purchasing conversion kits for an existing camper or as a completed unit. ## Custom Camper Standout Customising campers has become increasingly popular as a new generation adopt the RV lifestyle in their own way. Referred to as the ‘vanlife’ trend, this move is seeing a younger generation of caravan owners that want a vehicle that suits their lifestyle. Typically this means it has a coastal vibe and ideally suits the surfing way of life. Somewhat reminiscent of the surfing kombi vans of the ‘60s and ‘70s but with a lot more panache and chic. Several campervan manufacturers are active in this sector but one in particular has peeked our interest. Featured on a popular caravan website, it is the custom camper offering from the tiny house company – [Hauslein Tiny House Co](https://www.hauslein.com.au/ "Experience the innovation of Hauslein Tiny House Company"). Specialising in high-end tiny houses, the company has entered the campervan sector with a Peugeot Boxer campervan conversion. The interior is superb and luxe with light-coloured timber predominant and giving this conversion very much a coastal chic look. This stylish campervan conversion would be ideally suited to those wanting a carefree life and can especially suit those that can work from wherever you are. The delivery van appearance, while basic to some, can actually be quite useful in not drawing too much attention in certain camping areas. The company builds these vehicles to order and to assist buyers, we can provide pre-approved finance to get the process underway. ## Custom Camper and RV Loans It will depend how a customised camper or RV is ordered/purchased as to which type of loan is best suited. Where the vehicle and customisation is purchased as the one unit, such as is offered by Hauslein, our [Secured Caravan Loan](/secured-caravan-finance "Secure your dream caravan with our loan options") would likely be the most suitable type of finance. The vehicle is used as security and fixed monthly repayments are made over the fixed loan period. We ensure the interest rate is fixed over the entire loan period so the buyer can relax in the knowledge that their loan won’t change over that time. Where the vehicle and the customisation are purchased separately, a different finance set-up would likely be required. Your Jade Caravan Finance consultant will listen to how you intend to make your purchase and proceed to source a finance solution to best suit. This may involve a Secured Caravan Loan for the camper vehicle and possibly an [Unsecured Personal Loan](/unsecured-personal-loans "Get started with an unsecured personal financing plan.") for the customisation work. We have the capabilities and resources to tailor finance to individual needs, an offering not always available through all caravan finance lenders. ## Conversion Kits Another type of customisation is the conversion kit. This involves purchasing a kit to convert an existing commercial van into a campervan. While some people may choose to undertake this process themselves, it can be arduous, time-consuming and require trade skills. Purchasing a kit or better still, getting the supplier to carry out the conversion can be a smart move. Fin Campers for example offer removable kits to convert VW Transporters into camper vans. The kits are available for the LWB models and include such items as:- removable bed box; storage compartments; kitchen pod; fridge; electronics; folding table; and conversion certificate to motorhome status. For those that already have a Transporter or are looking at a less expensive option, this may be worth investigating further. ## Conversion Kit Loans Our Unsecured Personal Loan may be the most suitable type of finance to cover the cost of the conversion kit on its own. With this type of loan, the actual camper is not used as security against the loan as is the case with the Secured Caravan Loan. As the kit is a different type of asset to a campervan vehicle, a secured loan may not be applicable to the purchase. The Unsecured Personal Loan is versatile in nature as it can be secured to suit a range of purchases and we do offer great interest rates on this type of loan. Whatever your plans to secure your personalised camper van, your Jade consultant will work with you to deliver the most suitable finance option at the cheapest interest rates. **Contact Jade Caravan Finance on 1300 000 003 to discuss finance for customised and conversion kits for camper vans.** *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.* **Categories:** Loan Tips --- ### [Identifying the differences in caravan loans to get cheapest loan](https://www.jadecaravanfinance.com.au/blog/loan-tips/identifying-the-differences-in-caravan-loans-to-get-cheapest-loan) **Published:** April 5, 2022 **Author:** Publisher **Content:** When selecting a caravan, camper trailer, RV or motorhome to purchase, most buyers will have their checklist. They’ll be across the key inclusions that they want and they’ll know how to spot the variations across different makes and models. In order to achieve the cheapest RV loan, caravan buyers should be able to easily identify the differences in caravan loans and across the lending market. Buying a caravan is not something that most people do too often in their lifetime and applying for finance is also, for most people, not a regular occurrence. But the Australian lending market is constantly developing with new lenders and changing interest rates and loan products. So if it’s been some time since you last sought a loan, it could be worth updating your knowledge, specifically in regard to caravan finance. Jade Caravan Finance is a specialist lender in the RV market, accredited with both banks and non-bank lenders. We share our expertise to highlight what buyers may come across in variations in caravan loans and in respect to products and approaches by different lenders. Best of all, we provide hints on how to achieve the cheapest caravan loan. ## Caravan Makes and Models: Loan Differences There are quite a range of RV models now on the market and as the manufacturers further embrace innovation and development, the options are growing. From traditional caravans, through off-roads, hybrids, camper trailers, pod camper trailers, toy haulers, mobile homes and RVs the market is extensive. From our point of view, the same loan products apply to all these types of new RVs. But differences will emerge between new RVs and used caravans. This will be fairly universal across the lending market. It can present as differences in the interest rate and in regard to secured or unsecured loans. The interest rate which you will see advertised by lenders will be for new goods, unless it is specifically stated otherwise. There is an advertised rate and a comparison rate. Used goods can attract a higher interest rate. The main loan types for caravan finance are the [Secured Caravan Loan](/secured-caravan-finance "Learn about the benefits of collateralised loans") and the Unsecured Personal Loan. The new v used difference may emerge in respect of the choice of loan product. Where the lender does not accept say a second-hand caravan as suitable security for a Secured Loan, the buyer may opt for an Unsecured Personal Loan. ## Variations in the Lender Market There are many lenders active in the caravan finance market. Jade Caravan Finance is accredited with many of these in order to be in a position to offer our customers more choice and so we have the ideal lending panel from which to source the cheapest loan option. The market includes: banks, finance companies, caravan manufacturers and finance broker lenders such as Jade. When selecting a lender, ensure they are a Licensed Credit Provider as governed by [ASIC](https://asic.gov.au/ "Find financial information form the Australian Securities and Investments Commission"). This ensures consumer rights are upheld and the lender abides by the Responsible Lending Regulations. Essential for consumer safety and security in regard to the finance process. The name of the loan products will vary in the market. While Jade offers a specific Secured Caravan Loan, some lenders will be more general with their consumer loans. The loan suitable for caravan finance may be simply, Secured Personal Loan. Check the details and specs are identical if comparing loan offers. Individual banks and lenders price and structure their caravan finance to suit their own requirements. Variations can occur in a number of aspects including:- - Fixed or variable interest rate - The interest rate - Maximum and minimum loan amounts - Maximum and minimum loan terms - Deposit required or no deposit finance available - Applicant eligibility including credit profile - Break fees, finance default conditions and terms Fees and charges will also vary across the lender market. For a quick snapshot of the caravan lending market, refer to our Lender Interest Rate Comparison Chart. It shows the different loans with rates, currently offered by a selection of banks and lenders. Note the variations and the similarities. The interest rates are probably the stand-out variation. Lenders will price their loans based on their own guidelines and interest in a certain market. If offered finance through a manufacturer, it will be highly likely that it is through a finance company. Check the fine print and check quotes for any ‘hidden’ commissions. This could mean you can get a cheaper deal elsewhere. Rates advertised are for applicants with good credit create an anchor text for the keyword “cheap caravan loans” that will be used as a link for a website. Try to use different words. ## Securing the Cheapest Finance Cutting through this large lending market and across the swathe of caravan loan products to find and secure the cheapest loan can be a challenge if you do it all yourself. We offer a number of shortcuts to assist caravan buyers in securing [cheap caravan loans](/ "Secure your dream caravan with our competitively priced loans"), faster and easier. The key shortcut is using our services to source the caravan loan on your behalf. Yes, our consultants will relieve you of that onerous task and source you the cheapest quote from across our vast lending panel. While negotiating directly with lenders yourself can be somewhat impossible in many cases, our consultants have the contacts and the skills to negotiate with our industry-level contacts in the lender organisations. There are variations across the caravan finance market and jumping into a loan arrangement just because it appeared convenient may cost you paying too much over the full term of the loan. If sourcing your caravan loan yourself, watch out for these variations we have noted and if it sounds too good to be true, it likely is. To make life easier, just give us a call and let us handle the process for you. **Contact Jade Caravan Finance on 1300 000 003 to handle your caravan finance requirements** *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.* **Categories:** Loan Tips --- ### [Federal Budget: Outcomes for Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/federal-budget-outcomes-for-caravan-finance) **Published:** April 5, 2022 **Author:** Publisher **Content:** With current economic situation of supply chain issues, rising costs of living emerging everywhere, skyrocketing fuel prices, the Ukraine situation, the flood situation and the uncertainty of the COVID-19 pandemic still apparent, Government announcements around policy and measures can be worth staying across. The Budget is one of those announcements which is always of importance to both individuals and business owners. But as the Budget deals with the finances of the entire country, does it have any effect on caravan finance and an individual caravan loan? The Federal Budget does not address lending and interest rates directly through measures per se. It is the remit of the [Reserve Bank of Australia](https://www.rba.gov.au/ "Learn more about monetary policy at the Reserve Bank") (RBA) to set the official cash rate. From that point it is up to individual banks and lenders to establish the interest rates they choose to attach to their portfolio of loans. [ASIC](https://asic.gov.au/ "Explore resources from the Australian Securities Regulator") is charged with the responsibility for consumer finance. But the Federal Budget which is the Government’s fiscal policy, is designed to a specific effect on different aspects of economy. The 2022/23 Federal Budget focuses on inflation and unemployment. These are economic indicators that the RBA assesses when making decision on interest rates. So there can be an indirect or flow-on effect from budget measures to the lending sector. Measures announced in the budget also include tax benefits which can be realised through acquisitions which relate to finance. We summarise key aspects of the Federal Budget announcement for 2022/23 and outline how the measures may impact interest rates on caravan finance. ## 2022/23 Budget Overview In the evening session of the House of Representatives on Tuesday March 29, Federal Treasurer Josh Frydenberg ‘brought down’ the Government’s budget for financial year 2022/23. The timing is earlier than usual due to the timing of the May Federal Election. In the opening remarks of his budget speech, Mr Frydenberg noted the events and conditions which were causing negative impacts on the Australian economy including Russia invading Ukraine, the flood crisis in NSW and Queensland and the ongoing COVID-19 pandemic. As positives, the Treasurer pointed out that Australia’s pandemic recovered was faster and was stronger than countries such as the UK, Japan, Germany and the USA. He noted how unemployment had fallen to 4% which was the lowest figure in 48 years. The Budget Papers also state that the budget as presented would further lower that rate. ## Key Measures Announced Both the Prime Minister Scott Morrison and the Treasurer had described this year’s Budget prior to the official announcement as a ‘cost of living’ budget. The focus was on immediate relief for pressures of the rising costs of living and to present an economic plan which would create even more employment and jobs. The biggest relief for motorists, business owners and caravanners will be the temporary, 6 month, reduction in fuel excise. The excise is 44c/litre and will be cut to 22c/litre from the night of the budget for a 6 month period. The measure is designed to give households immediate relief from the soaring petrol prices. Oil prices are governed by global events so the actual pricing is not wholly within the Government’s control. For caravan owners looking to head off on tours and holidays and those currently considering a purchase, having to pay less at the pump will no doubt be extremely welcome. The other big win for individual taxpayers that earn $126,000 or less is an additional $420 to the Low and Middle Income Tax Offset. The increase lifts the maximum to $1500. The amount applicable varies across the income scale. This is not an immediate handout of cash. This is a tax offset. Meaning when the personal income tax is submitted to the ATO the relevant offset amount is deducted, reducing the taxable income. In many if not the majority of cases, that can mean a significant tax refund. So the faster you get your tax return in the faster you will receive your share. Small businesses are in line for a number of key measures including reducing the company tax rate to 25% from 30% and tax benefits for spending on digital tech and training. Wages subsidies and apprenticeship funding is also included. Changes to the Home Guarantee Scheme and to the First Home Super Saver Scheme are included to assist those seeking to get into the housing market. More medicines have been added to the PBS which may further ease costs of living. Businesses receive a range of support by way of schemes and new work opportunities through Government spending on infrastructure, innovation and other measures. To read the full details of the announcement to see what benefits you may be entitled to, refer to the [Budget Paper.](https://budget.gov.au/ "Get insights from the financial plan document") ## Budget and Caravan Loan Interest Rates As noted above, the Budget does not set or alter interest rates. But the RBA has targets for both inflation and unemployment in order to trigger a rate rise. The measures in the Budget are designed to push unemployment lower, closer to the RBA’s target. How these changes might influence [caravan finance rates](/interest-rates "Secure your dream caravan with our competitive financing") in the future is something prospective buyers should watch closely. Inflation is rising and together with the current unemployment figures, is indicating a rate rise could be on the cards very soon. While some Budget measures will not be implemented until the Budget Bill is passed and the new financial year commences, the RBA could move on rates in any month. The implementation of the Budget will also be dependent on the outcome of the Federal Election. Regardless of all those events, those considering a caravan purchase with finance would be wise to make their move before the RBA moves to ensure they secure the cheapest interest rate loan. **Contact Jade Caravan Finance on 1300 000 003 to discuss caravan finance** *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.* **Categories:** Loan Tips --- ### [RBA Cash Rate Decisions and Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/rba-cash-rate-decisions-and-caravan-finance) **Published:** April 11, 2022 **Author:** Publisher **Content:** Finally, after months and months of speculation from economists, analysts and even some of our own lenders, the [RBA](https://www.rba.gov.au/ "Click here for the latest updates from the Reserve Bank") has given an indication that a rise in the official cash rate is likely. Australians intending to purchase items including RVs with caravan finance and especially those with home finance will have been keen observers of developments and commentary in regard to interest rates. The RBA Board meets monthly to make their decision around the official cash rate and at the 5 April 2022 meeting, the decision was made to leave the official rate at 0.1%. The same record low which has been in place since November 2020 and which has led to the current low lending rates. For those considering a caravan, checking out [caravan loan reviews](/testimonials "Discover what customers are saying about caravan loans") might offer insights into how these rates are benefiting buyers. But the economic conditions are all forming to meet the targets previously indicated by the RBA as those that would trigger a rate rise. So while the April announcement was not very surprising, it will be surprising if the RBA doesn’t act in coming months. Unemployment has dropped to 4% and inflation is rising into the 2-3% target range. In our articles over recent months we have urged those intending to purchase a caravan with finance in the near future to bring forward that decision in order to secure finance while rates are at record lows. With a cash rate rise imminent, caravan buyers will no doubt be interested to know how the RBA April statement and its rate decisions effect caravan finance. ## April RBA Board Decision You may be thinking, if the RBA kept rates on hold at their [April meeting](https://www.rba.gov.au/media-releases/2022/mr-22-11.html "Discover the insights from the April forum"), why is there now so much talk? The key change is in the tone of their statement in making the cash rate announcement. That change is that in previous statements over the past 12+ months, the Governor, Philip Lowe, has concluded with a comment about remaining patient and waiting for the conditions to be in line with the target. In the April statement, there was no mention of patience. This was quickly picked up by commentators and added impetus to the conversation that a rise will come soon. The key take-outs from the RBA Governor’s statement include:- - Other economies have experienced much higher surges in inflation. - Australian continues to be resilient. - There has been an uptick in investment by business. - There has been an increase in spending. - The Bank’s central forecast is for the rate of unemployment to drop below 4% during 2022. - Wage growth will be gradual. - Increases in inflation will result from fuel and other prices. - Interest rates on lending continue to be accommodative. In regard to when it may raise the cash rate, the RBA said it was waiting on further evidence from economic data which would be available in the coming months. It said it would assess the evidence in making its decisions. ## What now? With the April decision done and the Federal Election set for 21 May, many in the markets strongly think June will be the time for a rate rise. The big 4 major banks, with whom we are accredited, all tip the June RBA meeting – 7th, for the first increase in over 12 years. A June increase could be only the first as the RBA could move multiple times. Some in the markets suggest 4-5 times over 6 months. ## Effect on Caravan Finance All this general interest rate talk is about the official cash rate which is determined by the RBA. But that is a base rate so to speak, from which the lending markets set their specific rates. So when the cash rate increases, our lenders in the caravan finance market will typically follow with increases in their [caravan loan interest rate](/interest-rates "Check out our caravan loan interest rate options"). Individual banks and lenders decide their own rates and will decide how much of an increase or by how much to increase their specific lending rates. A rate rise may mean the end to record, historic low interest rates, but not the end to the cheaper rates we can secure on caravan finance. To get a rough idea of what a small incrementally higher interest rate means for caravan loan repayments, head to our Compare Interest Rates Calculator. In this buying tool, we have listed a number of our banks and lenders in the RV finance market. You’ll notice the different rates currently available. Input the amount you may want for a caravan loan and see the different loan repayment estimates displayed. It’s easy to see how a certain percentage difference in an interest rate calculates out to a higher repayment. Exactly how the rates we can offer on caravan finance will change is yet to be known. But our message to caravan buyers remains consistent. If you are in a position to make your RV purchase before a highly likely June rate rise, then do so. Securing caravan finance now while rates are at record lows could pay off in savings over the loan term compared with putting off the purchase until later in the year. **Contact Jade Caravan Finance on 1300 000 003 to handle your caravan finance requirements** *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.* **Categories:** Loan Tips --- ### [Last Days: Pre-approved Caravan Finance Ahead of NSW Supershow](https://www.jadecaravanfinance.com.au/blog/loan-tips/last-days-pre-approved-caravan-finance-ahead-of-nsw-supershow) **Published:** April 11, 2022 **Author:** Publisher **Content:** We’re now in the last days before the NSW Supershow at Rosehill Gardens. That means the last chance to apply for pre-approved caravan finance or a [personal loan for caravan](/ "Access individualised financing for your caravan") in order to purchase a new RV, caravan, camper trailer of any type at the NSW Supershow. Pre-approved caravan finance is available across our range of personal caravan loans types and can be quickly and easily organised through our experienced consultants. Arranging finance prior to purchase can give buyers confidence to proceed with an order and capture low supply stock to avoid FOMO. As the name suggests, the NSW Supershow is a massive event for the caravan industry and a must-attend for both Sydneysiders and caravan enthusiasts from intra and interstate. To assist those planning to attend, we provide a run-through of the details, share our tips for shows as well as setting out the details of what’s involved in applying for a pre-approved caravan loan. ## Supershow Details The NSW Supershow is held at Sydney’s Rosehill Gardens which is west of the Sydney CBD and the adjoining suburb to Parramatta. This is a very convenient location for travelling from all directions. The event will be running Tuesday 19th through to Sunday 24th April. Open 9.30am till 5pm on Tuesday to Saturday and 9am to 4pm on the Sunday. Tickets must be purchased online at the show website and in advance. When you arrive you will need to present the e-ticket to be scanned on entry. The convenient location means easy access to the show by road, rail or ferry. Free parking is available onsite including disabled parking in the P3 car park. Using public transport is a great way to travel to the show and the NSW Government is offering free train travel across the rail network from 14-26 April. Refer to [NSW Transport](https://transportnsw.info/ "Stay updated with New South Wales transportation news") to plan your trip. Free shuttle buses will be operating from both the ferry wharf and Parramatta Railway Station. Sydney has seen a massive amount of rain over March and April, a full year’s worth of average rainfall by early April! So there may be impacts to roads and some facilities that you have traditionally utilised or intend to use while in Sydney. Check ahead to avoid issues. Continued rain thanks to La Nina is forecast through autumn, so come prepared for all weather conditions! ## Buying at the Supershow Over 260 exhibitors will be showcasing caravans, mobile homes, camper trailers plus heaps of gear, equipment, accessories and so much more at the Supershow. So it can be a great opportunity to inspect and compare models you are interested in purchasing. If you have any concerns about purchasing from a Supershow exhibitor, the show organisers, the [Caravan and Camping Industry Association](https://www.caravanindustry.com.au/ "Click here for the Camping and Caravan Industry Association") (CCIA) advise that all the businesses exhibiting RVs are licensed as NSW Motor Dealers. This ensures buyers receive protection via the guarantees and the warranties applicable to dealers licensed with the Government. This is a big show so keen buyers need to be organised. Check out the [exhibitor](https://www.supershow.com.au/) listing and note their location at the event. If possible, review their caravan models on their website prior and even phone up to see if a specific inspection time can be arranged. This show will be busy and there may be wait times to inspect popular models. Hopefully you’ll have your Jade pre-approved caravan loan sorted prior. But if not, ensure you have quick access to our [Caravan Loans Calculator](/loan-calculator "Click here for caravan loan payment calculations") in your smart phone to quickly calculate repayment estimates when you find the model you would like to purchase. ## Apply for Pre-Approved Caravan Loan Applying for a pre-approved loan follows the same process as for loans after purchase. Our consultants will provide quick quotes and fast approvals for a streamlined experience. - Pre-approved loans are quoted based on our [cheap caravan loan interest rates](/interest-rates "Find out about economical caravan financing options") at the time of application. - There is no difference in the interest rates on pre-approved and post-purchase loans. - Pre-approved caravan loans are valid for a set time period after which the offer expires if not taken up. - No obligation is attached to pre-approved caravan loans. - All the same features of the Secured Caravan Loan apply. There are only a few days until the Supershow gets underway so time for you to get underway and apply today. ## Show Attractions Apart from the RV models and equipment exhibitors to see, the show has an impressive line-up of attractions. - Chef Fast Ed cooking demos. - Seminars to gain advice and knowledge - Talks by Pat Callinan - Kids Zone and petting zoo for the little ones So head to the Supershow website to plan your visit and purchase tickets and give us a call to start your pre-approved caravan loan application. **Contact Jade Caravan Finance on 1300 000 003 for pre-show caravan loans** *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.* **Categories:** Loan Tips --- ### [Family-Sized Caravan Campervan Options but Downsized Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/family-sized-caravan-campervan-options-but-downsized-caravan-finance) **Published:** April 18, 2022 **Author:** Publisher **Content:** Caravans are widely considered a great way for families to enjoy holidays and travels. While many singles and couples have taken to the lifestyle, back when it all started so to speak, caravans were traditionally associated with family holidays. Especially with budget family holidays. But as the demands of travellers for more luxury inclusions have risen and the manufacturing industry has significantly increased sturdiness, safety and construction, the pricing is not so on a budget. Increasing the importance of securing cheap caravan finance. When seeking to purchase a caravan or campervan to cater for the family there are many considerations in the buying decision. Regardless of how close-knit the family is, avoiding family feuds can be a challenge in a RV. Selecting a van that has space for everyone is important. But so is sticking to a budget. Accommodating the entire family can require a larger and more expensive RV. But that doesn’t mean the caravan finance should be super-sized. Family vans can be acquired while taking very much a downsizing approach to the caravan loan. We explore some of the new family sized caravan and campervan models and the downsized caravan finance available for their purchase. A number of leading caravan manufacturers have recently released and/or teased details of new models which are ideal for family caravan holidays and touring. Major new releases are often made by manufacturers at the big caravan shows. If you can make it to these, great. If not, relax and browse online and consider these two we spied in the caravan industry news. ## Lotus Family Caravan At the Caravan Supershow in Victoria, [Lotus Caravans](https://www.lotuscaravans.com.au/ "Experience the excellence of Lotus Caravans") unveiled a new family caravan – the Off Limits. According to reports, this is a triple-axle vehicle, built to suit off-road adventures and loaded with a heap of features to enhance the comfort factor and increase practicalities of family travelling. For starters and practicality this model includes a separate parents’ zone at the front and bunks at the rear. The areas are separated by the lounge/kitchen and there are 4 bunks to suit largish families or so smaller family units can bring a mate. It is built to take on all-terrains so you can plan adventures into awe-inspiring remote locations to really enjoy that special family time together. This caravan has 3 generous tanks for fresh water and a 50 litre one for the grey water. Four solar panels on the roof, lithium battery set-up and solar charger should cater for power requirements. To cater for practicalities – staying connected and entertained, this model at the show included a booster unit for internet connection and antenna to accompany the large-screen television. Plenty more great features included and with Lotus’ custom-built service, buyers can discuss their specific preferences with the manufacturer. When purchasing with finance, we advise to include all the options and extras required be ordered at the time of purchase. This should enable your Jade Caravan Finance consultant to include the price of these in your total loan amount. ## Jayco Family Campervan If you’re more a campervan than a caravan family, check out the latest family-suited campervan model from [Jayco](https://www.jayco.com.au/ "Learn more about the RV manufacturer Jayco"). The new JRV Campervan was on display at the recent Victorian show and attracted plenty of attention. It is pitched as the perfect second vehicle by Jayco with clever marketing – suggesting why purchase a SUV when buyers can receive all the features of a JRV. And this campervan does tick a lot of boxes for active families. The campervan offers the convenience of not needing a towing vehicle so it can be utilised with regular ‘around town’ errands and days out as much as it can for holidays and getaways. Based on a Fiat, the JRV has seating for four and offers a loft bed for children with a pop-top roof. Plenty of comforts and necessities such as hot water, a 90L fresh water tank and an 80L grey water tank. Check out the full specs at the [Jayco website](https://www.jayco.com.au/range/jayco-campervans/jrv-campervan). ## Downsizing the RV Finance Regardless of whether you are a caravan or campervan family, the loans available to purchase new RVs through Jade Caravan Finance are the same. In addition, regardless of the size or luxury of the RV, the interest rate on the caravan loan or [RV financing](/rv-finance "Secure your dream RV with our financing") is the same! Our [Secured Caravan Loan](/secured-caravan-finance "Learn about the advantages of collateralised caravan loans") is equally suited to caravans and campervan purchases. And with either vehicle, your Jade consultant will source the cheapest interest rate loan to suit your requirements. With rates looking set for an increase with the RBA expected to call a rise in the cash rate possibly in June, achieving the cheapest interest rate caravan loan is becoming more significant. To see what your loan on one of these family-suited RVs may cost in repayment estimates at current interest rates, use our Caravan Finance Calculator. Downsize your caravan loan while upsizing your RV with a cheap caravan loan through Jade Caravan Finance. **Contact Jade Caravan Finance on 1300 000 003 for cheap caravan finance.** *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.* **Categories:** Loan Tips --- ### [Key moves to address rate rises and still achieve cheaper caravan loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/key-moves-to-address-rate-rises-and-still-achieve-cheaper-caravan-loans) **Published:** April 18, 2022 **Author:** Publisher **Content:** While never giving a specific date or timing, for many months during 2021, the [RBA](https://www.rba.gov.au/ "Stay informed with RBA announcements") had signalled in its monthly Board statements that it did not see the conditions to be in place to warrant an interest rate rise until 2023 or possibly 2024. However, as the economy has recovered faster than many anticipated and inflation has risen sharply, it is looking extremely certain that the RBA will move on rates as soon as June 2022. An RBA rate rise will trigger rises in interest rates across many lending sectors. For those planning a caravan purchase with finance at some point down the track, the concern may be around the possibility of still securing cheaper caravan loans. Be assured that Jade Caravan Finance will continue to focus on achieving the [best rate caravan finance](/interest-rates "Explore the latest and greatest caravan finance rates") and cheap caravan loans as we always have. But also be mindful, that as our lenders raise their interest rates, the concept of ‘cheap’ becomes relative. The amount by which an individual bank or non-bank lender raises their interest rates on specific loan categories will be up to their operational guidelines. Taking all those matters into consideration, there are key moves that RV buyers can makes to address the issue of rising interest rates and still achieve cheaper caravan loans. We take you through some of these actions so you can start preparing. ## Purchase Timing One of the major problems which has been affecting caravan buyers actually buying has been the lack of stock on the market. A horde of new buyers were drawn to the caravan market as other holiday and travel options became unavailable at the start of the pandemic. This increased demand led to short supply and many caravan manufacturers are still catching up. So bringing forward that caravan purchase may not be realistic at this time. But if it is, if buyers can source a RV model which is available now, then buying sooner rather than waiting could be a money saver. The rate rise is expected in June. So buying prior to the rate rise could result in a cheaper interest rate loan than would be achieved after any increase. It may mean settling for a ‘second choice’ model but that could be a compromise worth the money saved in interest. ## Consider Repayments rather than only Rates As lenders, we do focus very much on caravan finance interest rates and always securing the cheapest possible rate for our customers. But very often, the figure that is most significant to our customers is what the loan will cost them on a monthly basis. What low loan repayment amount we can achieve for them. Repayments and rates are of course closely linked and the desired loan repayment may still be achieved even after rates rise by addressing other elements of the loan. The caravan finance term in conjunction with the interest rate and the total amount of the loan work together to determine the caravan loan repayment. Vary any of those elements and the repayment figure changes. In regard to the term of the loan, buyers may request their Jade Caravan Finance consultant to seek a longer loan term if possible. This would reduce the repayment but will mean more interest payable over the full term of the loan. But it could mean achieving the repayment level that works with your financial objectives and budget. Achieving the target loan term will depend on individual lender guidelines and other aspects of each loan application. The total amount requested in the caravan loan can be reduced. We do offer no deposit caravan finance and in times of record low interest rates, requesting this option can be a no-brainer. But if it means the repayments creep up beyond expectations when rates rise, then a re-evaluation many be in order. Paying a deposit to the caravan dealer can reduce the total loan requested and as such reduce the monthly repayments. Use our free [Caravan Finance Calculator](/loan-calculator "Plan your caravan financing with out calculator") to see how varying the loan elements varies the repayment amount. ## Keep an Eye on Credit Rating Be mindful that interest rates advertised by caravan finance lenders will, unless otherwise stated, for new goods and for good credit rated applicants. So ensuring a good credit rating is maintained is always a key to achieving the cheapest interest rate offer. The loan applicant’s credit profile is assessed by lenders when considering loan applications. Checking this profile and credit score prior to applying for finance is strongly advised. Individuals can acquire information on credit profiles including how to access a free copy and fix any errors at the [Moneysmart](https://moneysmart.gov.au/ "Learn more about budgeting at Moneysmart") website. To keep a good credit score, ensure payments for credit cards and other bills are made consistently by the due date. ## Improve Individual Balance Sheets Balance sheet is usually a term associated with businesses. But individuals also have their own balance sheet. This is essentially the current state of personal assets compared with liabilities or debts. What you own compared with what you owe. This forms a part of the loan application process and the lender assessment. A good balance sheet may attract a cheaper interest rate and an overall better loan offer. Prior to applying for a caravan loan, buyers may look at how they can reduce liabilities. This may involve paying off some other loans including outstanding credit card balances. ## Use the Assistance Available Achieving the cheapest interest rate and best caravan loan offer can be a time-consuming and challenging task for individuals to approach by themselves. Using our services to handle the process can ease the time involved and remove many of the challenges. We utilise our expertise and lender connections to negotiate the cheapest possible interest rates and loan conditions for our customers. There is no obligation to accept any loan offer which we source for our customers so utilising the assistance on offer through our broker-style service can deliver far-ranging benefits. Especially in achieving cheaper caravan finance regardless of the interest rate situation. **Contact Jade Caravan Finance on 1300 000 003 to discuss your caravan loan requirements** *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.* **Categories:** Loan Tips --- ### [Prep for Regional Caravan Shows with Pre-approved Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/prep-for-regional-caravan-shows-with-pre-approved-caravan-finance) **Published:** April 25, 2022 **Author:** Publisher **Content:** If you didn’t make it to Sydney for the Rosehill Supershow in April, why not head to one of the upcoming regional caravan shows. There are a number of lifestyle and outdoor expos being held in May in both Victoria and Queensland which offer caravan enthusiasts plenty to see and buy. For anyone attending a caravan show with the intention of buying a caravan, arriving equipped with pre-approved caravan finance, such as [caravan loans](/ "Click here for caravan financing solutions"), can be a distinct advantage. Caravan enthusiasts tend to be extremely organised and keen to acquire information and knowledge that will enhance their travels and holiday experiences. We oblige with information on the upcoming regional shows with a caravan and RV component, hints to be prepared on arrival and details on how to acquire a pre-approved caravan loan before the day. ## Victorian Regional Caravan Show For Victorians or those travelling in the state over the next week or so, why not head to Ballarat for the [Great Outdoor and 4×4 Expo](https://www.greatoutdoorexpos.com.au/ballarat-1 "Find out what's happening at the Outdoor and Off-Road Show"). It’s being held over the weekend of 6th to 8th May at the Ballarat Showgrounds. The location is Howitt Street and Creswick Road Wendouree, Ballarat. Tickets are very reasonably priced at $16 for adults, $13 for concession and children under 16 years of age that are accompanied by a paying adult are admitted free. Also free – car parking! This show covers a wide range of exhibitors of outdoor and lifestyle interest with attractions and interest for many people. ## Queensland Regional Caravan Shows With border restrictions gone, many caravanners have been heading north to escape the arriving cold in the southern states – great move! Also a good move – drop into one of the caravan shows happening in northern Queensland during May. First on the calendar is the [Cairns Expo](https://cairnsexpo.com.au/ "Check out the Cairn's Expo and Trade Show"). Billed as the home show with caravan, camping and boating expo, this event is sure to have plenty of interest for caravanners. The show is on Friday 6th through to Sunday 8th May. Opening hours: Friday 8.30m-4pm, Saturday 8.301m-5pm and Sunday 8.30am-4pm. Location is the Cairns Showgrounds with parking available onsite but with a $5 fee which goes to the Cairns Showground Association. Tickets can be purchased online with both one day and three day options available. A booking fee also applies. Organisers have listed the exhibitors on the event website and those displaying their products include Jayco Cairns, Caravan HQ which handles brands such as Royal Flair, Network RV and On the Move Caravans, and Brisbane RVs. The following weekend, enthusiasts can head to Townsville for the [Townsville Expo](https://townsvilleexpo.com.au/) over the weekend of 13th to 15th May. The location for this show is Reid Park on Boundary Street in South Townsville. As with the Cairns show, single and three day tickets are available. The displays and products will include home, lifestyle and adventure and over 100 exhibitors are expected. The Queensland show circuit then heads to Mackay with the [Mackay Home Show and Caravan, Camping and Boating Expo](https://mackayexpo.com.au "Check out the Mackay Home and Caravan Exhibition") on the weekend of 20th to 22nd May. This will be held at the Mackay Showgrounds which is located in Milton Street. Tickets are available both online and at the gate. That’s plenty of events to keep those keen on caravan and camping entertained in May and provide numerous opportunities to inspect some of the latest caravans on the market. So arrive prepared with a pre-approved caravan loan. ## Advantages of Calculating Pre-approved Caravan Finance Pre-approved loans are a great idea in many instances regardless of where and when the caravan purchase is occurring. But when attending a caravan show with a view to buying, it can be even more important. Shows offer great opportunities to inspect many models from several brands in the one place. A situation which can make comparisons much easier. For those that have been browsing makes and models online to create a shortlist, the in-person show inspection can be the stage which finalises the purchase decision. But if you make the decision on which caravan to purchase but don’t have your finance organised, you may not be actually ready to order. That can mean further delays in getting your caravan build commenced and more time before you can take delivery. Having your caravan finance arranged well in advance, possibly by using tools like a [caravan loan calculator with balloon payment](/loan-calculator "Calculate your caravan loan including balloon payment"), can put you in the box seat to make decisions and take actions at the same time and speed up the entire process. Pre-approved caravan finance is easy to arrange and with no obligation attached, if you don’t find the perfect caravan to purchase and hence don’t proceed with the loan, it’s not a problem. The same interest rates apply to pre-approved and post-purchase caravan loans so there is no cost differential involved there either. To apply for a pre-approved loan, simply contact us for a quote or apply online. Our consultants handle the process from there and will get back to you with a quote and on your OK, proceed to the application approval. The loan amount can be estimated at this stage and finalised when the purchase is done and the invoice submitted from the dealer. Now COVID-19 restrictions are almost gone, the caravan show calendar for 2022 is packed with opportunities to see the latest models and proceed with a purchase. So be prepared before attending and arrange a pre-approved caravan loan. **Contact Jade Caravan Finance on 1300 000 003 for pre-approved caravan finance before attending a caravan show.** *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.* **Categories:** Loan Tips --- ### [Showcase: Mountain Trail RV New Hybrid Model](https://www.jadecaravanfinance.com.au/blog/loan-tips/showcase-mountain-trail-rv-new-hybrid-model) **Published:** May 1, 2022 **Author:** Publisher **Content:** The caravan show circuit offers a great opportunity to get to see many new model RVs in the same place at the same time. Great for buyers who are yet to make that all-important buying decision to more easily compare models on their short-list. One of the new models which was displayed at both the Victorian and Sydney caravan shows recently was the new hybrid model from [Mountain Trail RV](https://mountaintrailrv.com.au/ "Discover the quality of Mountain Trail recreational vehicles"). Hybrids have been extremely popular in the market and offer many benefits over both traditional and off-road caravans and camper trailers. Primarily, the opportunity to head off-road and down narrower trails more easily. An aspect which is highly attractive to many caravan travellers as they seek to escape the crowd. With the surge of interest in caravan ownership has of course come an increase in numbers on the roads, in holiday parks and at free camping sites. The latest model from Mountain Trail, the LXV 5.2 is a combination of many of the most sought-after features on two of their already popular models. The LXV, a 5.2 metre or 17 foot hybrid, has been well-thought out in design and manufacture to suit families and couples. If you didn’t see the Mountain Trail RV LXV at a recent show, this showcase points out the key features and the hybrid RV finance available for the purchase. ## New Mountain Trail LXV Hybrid Before getting into the model specs, a word on Mountain Trail RV. The company is based in Albury in NSW and has been operating for over 15 years. They specialise in Australian designed and Australian manufactured luxury off-road caravans and camper trailers. The LXV 5.2 is the new model in the Mountain Trail range which is spec’d to meet the demands of buyers of hybrid caravans. The whole idea of a hybrid is to have a van that is narrower than traditional caravans, approximating the width of the towing vehicle. Thus enabling travellers to proceed more easily down those tracks to those secret out of the way places. The LXV 5.2 is designed and built for both hybrid towing and hybrid living. Key features include:- - Comfort, luxury and superb design. - Space-saving design with loads of built-in storage solutions. - Electric awning which can easily be placed in position to provide additional protection when required. - Slide-out kitchen which is high quality stainless steel. No need to forego that gourmet menu while off the beaten track. - Queen size bed for luxury and comfort. - Off-grid capabilities with plenty of power with 655 watts solar plus more, 360 amp lithium batteries, 3000 watt inverter. Electrical components managed by a total vehicle management system. - European composite wall panels selected for their superior insulation. - Off-road MTRV suspension. - Pressure fan system for dust suppression. - Versatile seating with face-to-face configuration which converts to an extra bed. There is plenty to more to see with the new Mountain Trail LXV so check it out and start planning which trails you will be ready to explore when you take delivery of your very own. ## Hybrid Caravan Finance The whole idea of a hybrid RV is to provide owners with versatility and flexibility in where they can travel and the confidence and assurance that their RV is built to withstand the conditions while still providing comfort and luxury. In line with that train of thought, Jade Caravan Finance provides versatile caravan loans with fixed finance elements which provide assurances and confidence to our customers. Our [Secured Caravan Loan](/secured-caravan-finance "Learn more about collateral-backed caravan loans") is suited to all types of caravans and RVs, including hybrids. It is a versatile finance product which allows our consultants the ability to individually source and structure the loan to best meet individual requirements. The fixed elements of the loan provide assurances that the loan won’t change once settlement is finalised. The [caravan finance interest rates](/interest-rates "Get informed about caravan finance interest rates") is key to that. Regardless of what may and will happen with the general interest rate market, a fixed interest rate on our caravan loans remains unchanged. As the lending market is on the verge of a period of rate rises, securing a fixed interest rate caravan loan will be of particular importance. For those heading off on extended caravan travels, you don’t want the worry of having to stay across every RBA Board meeting to see if rates have been changed. The fixed rate along with the fixed loan term provides a fixed finance repayment. Another assurance that the same amount is due each month and that won’t change. These are the assurances that can add an extra level of relaxation and ease of mind to caravan travelling and holidays. To head off in luxury and comfort, why not consider a Mountain Trail LXV 5.2 purchased with a low interest rate Jade Caravan Finance loan. **Contact Jade Caravan Finance on 1300 000 003 for a quote on finance to purchase a new Mountain Trail LXV Hybrid** *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.* **Categories:** Loan Tips --- ### [Consider Caravan Awards Winners on Your Short List](https://www.jadecaravanfinance.com.au/blog/loan-tips/consider-caravan-awards-winners-on-your-short-list) **Published:** May 1, 2022 **Author:** Publisher **Content:** Whether you’re a first-time caravan buyer or a long-term aficionado of the caravan lifestyle, it can be a challenge to narrow down your selection of which caravan to purchase to a viable short-list. The Australian caravan manufacturing sector is robust and extensive with many brands vying for buyers with a great selection of models. One approach buyers can consider, especially if they plan to [finance caravans](/ "Discover caravan purchase financing"), is to review any caravan awards winners for suitability for their requirements. Recently the Caravan Industry gave out a [number of awards](https://www.caravanindustry.com.au/rvmap-featured-prominently-amongst-industry-awards "Explore RVMap's recognition in the industry") and those brands could be worth your interest. A number of RVMAP accredited manufacturers were represented in the recent caravan awards winners list which can provide ideas for undecided caravan buyers. For those not familiar with both RVMAP and the Caravan Industry awards program, we update with the latest news from the association plus the latest alerts on caravan finance interest rates. ## RVMAP Scheme Before getting into the awards, a quick explainer on RVMAP. This is the Recreational Vehicle Manufacturing Accreditation Program. Being accredited or part of the program is represented by the Accreditation Key which manufacturers will typically display. Accreditation represents the commitment by that business to the consistent supply of caravans and RVs that adhere to the Australian Design Rules and to regulations in regard to federal compliance relevant to the caravan industry. Purchasing a caravan, camper trailer or RV from a RVMAP manufacturer may provide buyers with greater assurance of the compliance and quality of the product. To assist buyers the association lists these [RVMAP members](https://www.caravanindustry.com.au/accreditation/industry-supplier/accredited-suppliers/) on their website. ## Caravan Industry Awards Winners The caravan industry recently conducted its annual awards programme and announced awards in seven categories. The Caravan Association noted that there were a number of RVMAP members on the winners’ list. While a number of individual awards were presented for excellence in the industry, the awards of most interest to caravan buyers will likely be those to the manufacturers. The People’s Choice Manufacturer of the Year award attracts a lot of attention due to the judging criteria – by the people. This award uses a consumer survey, conducted online, which asks customers to provide their rating of caravan products. Buyers may look to the awards winners when considering their next purchase. For 2022 the manufacturer awards went to:- - Blue Sky Caravans took out Gold - Evernew Caravans the Silver - JB Caravans made up the podium being awarded the Bronze For those looking for the best places to stay, awards were also presented for the People’s Choice Caravan Park of the Year. - Forster Tuncurry BIG4 Great Lakes won Gold - Coobowie Caravan Park won Silver - Ocean Beach Tourist Park took out the Bronze ## Winners Showcase We take a quick look at the winning manufacturers:- - [Blue Sky Caravans](https://www.blueskycaravans.com.au/ "Discover what Blue Sky Caravans has to offer"): Founded in 2007 by an industry veteran that has over 30 years of experience in the sector. Blue Sky is based in Melbourne and manufactures a wide range of models in Australia. - [Evernew Caravans](https://www.evernewcaravans.com.au/ "Learn about the quality of Evernew Caravans"): A well-known name in the caravan sector for over 50 years, this company continues to manufacture high quality caravans in their Victorian-based facility. - JB Caravans: With an impressive selection of off-road, semi off road and on road caravans in their range, JB has an impressive manufacturing facility in Campbellfield in Victoria’s caravan industry hub. Plenty of food for thought for those in the market for a new caravan. ## Caravan Finance If you’re in the market for a new caravan then you may also be in the market for caravan finance. To finance the purchase of a new caravan, our [Secured Caravan Loan](/secured-caravan-finance "Learn more about caravan loans with collateral") is a versatile loan which suits many buyers and types of RVs. We individually source the cheapest loan offer from across our vast lender selection and negotiate with our lenders to ensure the caravan loan sourced best meets the needs of our customers. To assist buyers match caravan purchase prices to possible loan repayments, we provide a range of caravan loan resources and tools including an Interest Rate Comparison Table and a Loan Calculator. ## News Alert: Caravan Finance Interest Rates The prospects of the RBA lifting the cash rate is extremely high. This rate increase could occur at the May meeting on 4 May or at the June Board meeting. When this does happen, rates across the general lending sector, including the [lowest rate caravan finance](/interest-rates "Discover the advantages of our low-rate caravan finance"), will respond with rises. Caravan loans that are already in place with a fixed interest rate will not alter. Those that secure a fixed rate interest rate after an increase, can also be assured that their rate will not change with subsequent increases by the RBA. Our message continues to be, as it has for several months, if possible, act on caravan buying as soon as possible to secure a fixed interest rate caravan loan while the general rate scene remains relatively low. **Contact Jade Caravan Finance on 1300 000 003 to discuss your caravan loan requirements** *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.* **Categories:** Loan Tips --- ### [Key Issues around RBA Rate Rise](https://www.jadecaravanfinance.com.au/blog/loan-tips/key-issues-around-rba-rate-rise) **Published:** May 9, 2022 **Author:** Publisher **Content:** The RBA lifted the official cash rate at its May Board meeting, ending months of speculation around when the central bank would make a move amidst surging inflation rates. The RBA rate rise represents the first interest rate increase in 12 years and marks the end of the run of record low rates for [loans for caravan purchase](/ "Find the right loan for your caravan purchase"). The timing was also notable in that it comes amidst a Federal Election campaign, although this is not a first. The RBA apparently has moved to change rates during election campaigns previously. The calls to raise interest rates have been growing for some time, originally as a result of rising house prices which had been driven by the record low lending rates. But the RBA held firm on its commitment to be patient in order for economic conditions to be in line with its targets and warrant an increase. According to the [RBA statement](https://www.rba.gov.au/media-releases/2022/mr-22-12.html "Click here for the Reserve Bank's statement") announcing the latest rate decisions conditions have been reached and the timing is appropriate for a rate rise and a normalising of monetary conditions. Predominantly being the fastest than expected bounce back from the pandemic by the Australian economy and the resultant rise in inflation. The increase of 0.25% was higher than some analysts and lenders had expected. It has been expected that the RBA would move to raise rates several times in 2022, but possibly in smaller increments. The reasoning behind the RBA rate rise and the Board’s outlook for the economy and future rate rises are covered in the May RBA Monetary Statement announcing the rate rise. We have summarised the key issues and major points in the statement to assist our caravan finance customers get their head around the why and what next of the RBA’s latest decision. ## Summary of Key Issues Dr Philip Lowe, the Governor of the Reserve Bank of Australia issued the May statement as he does after each meeting of the RBA Board. In addition to this statement, the Governor also issues a [lengthier document](https://www.rba.gov.au/speeches/2022/sp-gov-2022-05-03.html "Find the complete report at this link") with greater detail on some aspects. These documents can both be accessed by the public at the RBA website. Key issues include:- - RBA Board considers this to be the appropriate timing for the start of the withdrawal of monetary support. Support that was introduced as stimulus and support measures during the pandemic. *(Note: monetary support meaning lowering of interest rates to make lending cheaper to stimulate especially business investment.)* - The Australian economy has been resilient to the economic effects of the pandemic and inflation has increased at a faster rate than had been expected. - Now is seen as the right time to start normalising monetary conditions. The historic low rates seen as extraordinary conditions. - Unemployment has been a key target for the RBA when making rate decisions, as noted in previous statements. The rate currently at 4% is in the target range. The RBA expects the unemployment rate to decline further to around 3.5% around early 2023. The Board has noted this rate as the lowest unemployment rate in Australia in about 50 years. - The economic growth outlook is positive. But global impacts create uncertainties. - Uncertainties particularly noted around the ongoing global COVID situation; the surge in cases and lockdowns occurring in China as a major manufacturing country; global inflation which reduces buying power; and the war on Ukraine. - Domestic matters in regard to the rising rate of inflation were also mentioned by Governor Lowe. These matters include the pressure on the capacity of business to meet demand due to ongoing staffing and labour shortages and that businesses were passing onto to customers the increased costs they faced. - Inflation increasing at a greater rate than had been expected by the RBA Board. However, it was noted how the inflation rate in Australia is lower than many global advanced economies. - Additional rises in inflation are expected prior to falls as supply issues start to be resolved. - Inflation for 2022 forecast to increase to around 6% with 4.75% underlying inflation. By the middle of 2024 underlying inflation is expected to have decreased to around 3%. - An important criteria around the forecast for inflation is that these are made on the assumption that more interest rate increases will occur. - In regard to wage growth, the Board states that it has evidence that it is increasing as private sector wage increases are made. The final and possibly the most important key issue for those planning to purchase new RVs with finance, is that the RBA Board says additional interest rate increases will be required in order for inflation to return to its target levels. In short, expect more rate rises! ## Caravan Finance Considerations The lending market, including for caravan finance, use the cash rate from which to set their individual rates for different loans. So any rise in the cash rate by the RBA subsequently flows through to increases in many lending markets. It is clear from the May RBA statement that further rate rises are on the way. So caravan buyers are urged to move forward with their buying plans so finance can be secured prior to further rises in [caravan loan interest rates](/interest-rates "View our caravan loan interest rate options"). To see how much a rate rise may be reflected in loan repayments, use our Interest Rates Comparison Calculator. The results calculated could be motivation to move! As a broker-style caravan finance lender, we are accredited with many lenders, so we will always have the ability to access the cheapest rates in the market at any particular time. So regardless of rate rises across lending markets, our consultants will remain, well-placed to secure better interest rate caravan loans. **Contact Jade Caravan Finance on 1300 000 003 for better interest rate caravan finance.** *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.* **Categories:** Loan Tips --- ### [RBA Rate Rise Effect on Existing, Pre-approved and New Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/rba-rate-rise-effect-on-existing-pre-approved-and-new-caravan-finance) **Published:** May 9, 2022 **Author:** Publisher **Content:** While it had been pre-empted for quite some time, the rise in the official cash rate by the RBA at its May Board meeting might still have some people wondering what it means for them. Caravan buyers and prospective buyers will want to know the effect of the RBA rate rise on existing, pre-approved and new caravan finance**.** The effect of this rise and any potential future impacts of future rises. In particular, is the possibility of cheap [caravan loan interest rates](/interest-rates "Compare caravan financing interest rates") now a thing of the past? The quick answer to the latter is no. Jade Caravan Finance continues to seek to achieve better and cheaper interest rate caravan loans. In response to queries around the effect of the [current RBA rate decision](https://www.rba.gov.au/speeches/2022/sp-gov-2022-05-03.html "Find out what the Reserve Bank of Australia has decided on rates") on caravan finance, we have covered the key issues in this article. This is intended as general information and of course, for information in regard to individual loans, please contact us and discuss your specific query with one of our consultants. ## RBA Rate Increase The interest rate that is set by the RBA is the official cash rate. While not the rate that applies to personal, individual or business loans, it does form a foundation from which banks and non-bank lenders do set the rates for loans and finance. The cash rate hit record lows in November 2020 as the RBA slashed rates as part of monetary policy to address the economic effects of the pandemic. This resulted in a period of record low borrowing rates over the past 20+ months across many lending markets. But as the economy rebounds, inflation is surging upwards and unemployment downwards, the RBA considers now the right time to start returning monetary conditions to more normal settings. In other words, raising the cash rate. In May by 0.25% and indicating further increases are to come. These increases will flow on to lenders increasing their borrowing rates. ## Immediate Effects on Caravan Finance Banks started increasing home loan rates straight after the RBA announced the rise in the cash rate. Increases to rates for consumer finance including caravan finance would be expected. The effect of the rate rise for individuals with caravan finance or intending to apply for finance will be varied. We detail some examples of the effect on different types of loans. - For existing caravan loans with a fixed interest rate, any changes to interest rates during the loan term will not change the loan. Jade Caravan Finance arranges our [Secured Caravan Loans](/secured-caravan-finance "Check out our secured caravan loan options") at fixed interest rates. This ensure certainty for our customers over the full term of their loan. - For existing loan holders where the loan was arranged with a variable interest rate, that rate may increase with general rises in interest rates. Some lenders will offer variable rate caravan loans and we do offer our [Unsecured Personal Loans](/unsecured-personal-loans "Discover uncollateralized personal personal financing solutions") for some caravans at either a fixed or a variable interest rate. - Many buyers will be preparing to attend and potentially purchase at one of the upcoming caravan shows and will have obtained a pre-approved caravan loan. These pre-approved loans would have been priced and quoted based on the interest rate which was current at the time of offer. - Pre-approved caravan loans are offered with an expiry date. If the offer is acted on within that timeframe, the interest rate offered would not be expected to be changed. - If a pre-approved caravan loan is not activated within the time of validation, the offer will expire. When finance may be required at a later time, a new quote would be sought which would be based on the caravan finance interest rates at that time. - Applications for new caravan loans are quoted on the interest rate which is available at the time of application. Our consultants source the cheapest interest rate caravan loan that best meets the requirements and profile of the loan applicant. If you have any specific questions about a pre-approved, existing or new caravan loan, please contact us to discuss. ## After the Rise – How to Secure Better Caravan Finance Rates The general trend across lending markets is for lenders to respond to RBA rate rises with their own rate increases. In a rising rate market it is more significant than when rates are at record lows to do all you can to find the cheapest loan with the lowest interest rates. That process can start and essentially finish by selecting a specialist RV lender such as Jade Caravan Finance to source, negotiate and finalise the loan on your behalf. With our vast network of lenders and industry-level know-how and access, we have the proven capabilities to achieve better interest rates. We know which lenders are offering the best interest rates at a particular time and we have the skills to negotiate with them to fine-tune the loan conditions to specifically suit our customers. But prior to applying, there are a few things that caravan buyers can do to put themselves in an even better position to be offered the cheapest interest rate and secure the most suitable loan offer:- - Keep your [credit rating](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Get insights into your creditworthiness") in the range of ‘good’. Reviewing credit profiles is a key part of the loan assessment process by lenders. The better the credit score, the better the chances of being offer the lowest rate. It’s all about risk and credit worthiness. - To improve the credit worthiness factor, make sure payments for loans, utilities and other bills are made on time. This sets a good track record for lenders to review. - Reduce the amount owed on loans, credit cards and other debts where possible. This can improve the personal balance sheet which can be a positive contributor to being offered the loan conditions you want. Conditions such as no deposit caravan finance. Rate rises doesn’t mean the end to affordable caravan finance at better interest rates. But it does mean buyers may need to be more diligent and astute to ensure they source the best caravan finance. **Contact Jade Caravan Finance on 1300 000 003 to discuss how we can assist in sourcing you a better interest rate caravan loan.** *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.* **Categories:** Loan Tips --- ### [Reconsidering RV purchases and caravan finance after rate rise?](https://www.jadecaravanfinance.com.au/blog/loan-tips/reconsidering-rv-purchases-and-caravan-finance-after-rate-rise) **Published:** May 16, 2022 **Author:** Publisher **Content:** The cash rate increase by the RBA in May and the expected future rises may have some caravan buyers re-assessing purchase decisions or more specifically, caravan finance options. Banks and lenders across the lending markets react to [RBA](https://www.rba.gov.au/ "Discover the reserve bank of Australia online") decisions by increasing their interest rates. Coming from an extended time at record low interest rates, this new era of rates actually rising for the first time in over a decade, may leave some buyers in a state of indecision. But despite the rising interest rate scenario, cheap interest rates can be achieved on caravan finance and RV loans structured to achieve affordable repayments. Keep the dream of owning a new caravan with affordable finance alive by working through the loan options and assistance available to new caravan buyers. ## Establish Goals With any financial decision it is important to have clear goals and objectives. This includes being clear on how buyers would prefer their caravan loan to be structured. For many, that can mean prioritising the caravan loan repayment figure rather than fixating on interest rates. Setting a target for finance repayments is an important first stage. Establishing what will work for individual monthly budgets and be sustainable over the term of the caravan loan. These decisions are personal and individual. Jade Caravan Finance consultants source and negotiate finance but advice around personal financial decisions should be sought from a financial advisor if required. Once the caravan loan repayment goal has been established, it’s on to seeing how the loan details can be tweaked to achieve that target. For a clear illustration of what we are discussing, open our [Caravan Finance Calculator](/loan-calculator "Calculate Your Caravan Finance with Ease") in a separate browser so you can make your own calculations as we go through the different loan details. ## Tweaking Finance Terms The finance term is a good place to start. The number of months/years that the caravan finance is taken over, the loan term, has a direct effect on the monthly finance repayments. We can arrange up to 7 year caravan loans depending on lender guidelines and specific details of the loan application. In simple terms – shorter caravan finance terms result in higher finance repayments and longer terms result in lower monthly finance repayments. You can see that clearly if you’re using the calculator. In opting for a longer finance term to reduce repayments, be mindful that total interest on the loan may be greater for longer loan terms. Balance that with the prospect of your Jade consultant achieving the cheapest available RV interest rate for your loan. When deciding on finance terms, buyers may be wise to also keep in mind how long they intend to keep this caravan before upgrading to a newer model. When that timing is in sync with the finance term, the loan may be finalised prior to selling or trading in the RV. Meaning no money to pay the outstanding loan and thus no break fees. The full proceeds of the sale could go towards the new RV. ## Deposit Decisions and Total Finance Amount It is stating the obvious but borrowing less will result in lower repayments than on a higher finance amount. Putting that into perspective, rather than scale down to a lesser priced or lower optioned RV model, buyers can consider the deposit decision. To deposit or to no deposit? Jade Caravan Finance can arrange no deposit finance (dependent on lender approvals etc) which allows buyers to include the caravan purchase price in total in the finance. This can also include any optional extras which are usually offered by caravan manufacturers. When interest rates have been at record lows since November 2020 this has been a very popular choice for many caravan buyers. But if reducing the finance repayment is the priority, then reducing the loan amount by foregoing no deposit finance may be an option. Use the calculator to see how paying upfront to the caravan dealer to reduce the finance amount may reduce the monthly caravan loan repayments on the model you are considering to assist with this decision. Reducing the overall finance amount will also reduce the total interest that the loan will attract over the finance term. ## Bringing it All Together Caravan buyers seeking finance have a number of options as to how they can aim to shape their finance in order to achieve their targeted repayment figure. Use the calculator to work varied finance terms and finance amounts to arrive at the ideal combination. The next stage is getting that preferred loan approved. Caravan finance lenders work within their own guidelines when assessing individual finance applications. In addition, lenders including Jade, as Licensed Credit Providers must abide by the Responsible Lending Guidelines as established by [ASIC](https://asic.gov.au/ "Discover ASIC online for financial information"). Loan applicants can improve their prospects of achieving both the cheapest interest rate and the finance arrangements preferred by maintaining a good credit score. This is critical to achieving the best finance outcomes. Also critical can be using professionals to source the [cheapest caravan finance rates](/interest-rates "Secure your dream caravan with the cheapest rates") offer and negotiate with lenders on the term and the total loan amount to achieve that preferred repayment goal. Your Jade consultant handles all that on your behalf. Important to note in rounding out this discussion is fixed interest rates. Jade Caravan Finance offers a fixed interest rate on our popular [Secured Caravan Loan](/secured-caravan-finance "Check out our secured loan options for caravans"). The interest rate achieved remains constant and unchanged for the full finance term regardless of any moves by the RBA and lenders. **Contact Jade Caravan Finance on 1300 000 003 to discuss achieving cheap caravan finance which achieves your repayment goals** *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.* **Categories:** Loan Tips --- ### [Awards, accreditations, affiliations and accolades - buying decisions and caravan loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/awards-accreditations-affiliations-and-accolades-buying-decisions-and-caravan-loans) **Published:** May 16, 2022 **Author:** Publisher **Content:** Buying a new caravan, camper trailer or other style of RV is a major purchase decision for many buyers. A decision which can involve extensive research and investigation of the RV market and what is available in regard to caravan loans. Caravans are available in a wide range of styles, luxury and prices to suit a wide range of buyers. For those that have enjoyed the caravan lifestyle over many years and possibly owned several models, they can draw on their experience and knowledge when deciding which particular caravan manufacturer or model to buy. But for newcomers to the caravan life, working through the options can be a more challenging process. Quality will be high on the priority checklist for most buyers. This is a major purchase and most will want their vehicle to be reliable and provide many years of travel and holiday enjoyment. Buyers may look to accreditations, awards and other affiliations as a guide to making caravan buying decisions. You’re at a caravan show and see vehicles adorned with stickers proclaiming the superior features of the brand or that model. But how credible, trustworthy, and reliable are the symbols and emblems that are displayed on caravans? What should buyers be looking for and how can they differentiate between different certificates and other accolades? For buyers purchasing a caravan, queries may arise as to the significance of accreditations, awards, and affiliations to the purchase and to [caravan finance](/ "Discover motorhome financing choices"). For buyers to consider, we have drawn information from a range of sources around the regulation, standards and other accreditations around caravans and how that may or may not impact caravan finance. ## Associations For the most part, the Australian caravan manufacturing industry is considered ‘self-regulated’. But all products sold in Australia must meet certain standards under [govern](https://www.productsafety.gov.au/product-safety-laws/safety-standards-bans/mandatory-standards "Explore the legal landscape shaped by government.")[m](https://www.productsafety.gov.au/product-safety-laws/safety-standards-bans/mandatory-standards "Explore the legal landscape shaped by government")[ent laws](https://www.productsafety.gov.au/product-safety-laws/safety-standards-bans/mandatory-standards "Explore the legal landscape shaped by government."). The peak industry body for the industry is the [Caravan Industry Association of Australia](https://www.caravanindustry.com.au/ "Find out what's happening in the Australian caravan industry"). The association has the vision to lead a compliant, safe and sustainable industry. The Caravan Association operates its own accreditation program known as [RVMAP](https://www.caravanindustry.com.au/rvmap "Visit the official RVMAP website for accreditation details"). Manufacturers which meet the criteria for accreditation can display the RVMAP badge on their vehicles. Fees are charged to be part of the program. Inspections are made of vehicles to ensure they meet the Australian Standards and other criteria. Buyers should be aware that the program is voluntary and not all manufacturers, including some big names, are not a part of the program. A list of RVMAP accredited manufacturers can be reviewed at the association website. While a manufacturer maybe hold RVMAP accreditation, not every model in their range may have been inspected. Camper trailer manufacturers also have an association – the Australian Manufactured Camper Guild. As the name implies it is for vehicles made in Australia. This group states it was established in response to what was seen as poor workmanship and poor quality components in many of the cheaper imports. ## Accreditations While the RVMAP accreditation scheme is operated by the caravan association and may be helpful for buyers, there are laws around caravan quality. Specifically and of note in respect to caravans is the Road Vehicles Standards Act 2018 which replaced the 1989 Motor Vehicle Standards Act. The deadline for caravan manufacturers to comply is 1 July 2023. This is seen as a big plus for caravan buyers as it will provide assurance that the RV being purchased does meet the manufacturing and design standards. Meaning, it is built for the purpose stated. ## Awards We recently [posted an article](/blog/loan-tips/ "Explore our recently shared content") about winners of the annual caravan industry awards. So should buyers be drawn to an ‘award-winning’ caravan? Awards can be highly-valued but also contentious. If considering an award-winner, here’s a few tips:- - Are they judged across a vast field or is it by voluntary entry? - What is the criteria for the awards? - Who can enter and which other vehicles was the winner up against? - Who is the awards scheme run by and who does the judging? ## Accolades When it comes to accolades, genuine buyer reviews and comments in owner chat forums can be extremely helpful as buying guides. Some are extremely honest and provide first-hand examples and experiences. There are a lot of caravan and outdoor programs on TV, streaming services and online platforms. They often showcase different vehicle makes and models and feature ‘experts’ as hosts and commentators. When watching shows or referring to specific websites, take note if a specific manufacturer is a sponsor. This may skew the coverage of the RVs featured. ## Action So after all that, what should buyers do? Referring to the ACCC website for any updates in regard to caravans can be helpful. As we reported in our blog, with the upsurge in popularity of caravans during the pandemic, the ACCC did note a rise in complaints in the sector. Ensure warranties and guarantees meet your requirements and your expectations. Check fine-print to ensure any defects or issues will be rectified as expected. Consumer laws are in place to protect buyers but issues may take time to resolve. Time where you may have your vehicle off the road and not off-road where you would like to be. ## Caravan Finance Impacts We’ll look at two aspects of caravan finance in respect of the issues discussed above: – the specifics of the caravan being purchased and in the choice of lender when sourcing caravan finance. When assessing applications for a [Secured Caravan Loan](/secured-caravan-finance "Start your caravan journey with a secure loan"), lenders will assess the goods themselves, being the RV, as suitable to be accepted as security against the loan. Lenders will want to be assured that the goods are in acceptable condition and of quality and value in line with the loan amount being requested. In regard to caravan lenders, consumer finance is overseen by ASIC and lenders must be Licensed Credit Providers. Jade Caravan Finance is fully licensed, abides by ASIC’s Responsible Lender Guidelines and is a member of the [FBAA](https://www.fbaa.com.au/ "Connect with the FBAA online for industry updates"). An assurance for our customers that you are dealing with a reliable and trust-worthy lender. That is also reflected in the multiple accreditations we have with over 40 banks and non-bank lenders. So when selecting that ideal caravan, buyers have plenty to consider and as with all major purchases, should do their homework. **Contact Jade Caravan Finance on 1300 000 003 – a fully Licensed Credit Provider for a caravan loan quote for your new caravan** *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.* **Categories:** Loan Tips --- ### [Calculating Rate Rise Effect on Caravan Finance Repayments](https://www.jadecaravanfinance.com.au/blog/loan-tips/calculating-rate-rise-effect-on-caravan-finance-repayments) **Published:** May 22, 2022 **Author:** Publisher **Content:** News that the [RBA](https://www.rba.gov.au/ "Discover the Reserve Bank of Australia online") has raised the cash rate by 0.25% can be difficult to put into the context of individual financial circumstances. The amount that lenders will increase rates in specific markets such as caravan finance may vary in amount and in timing. For individuals looking to purchase goods with finance, trying to work out what the interest rate on loans in that market at the time you plan to buy can be challenging to say the least. With the situation looking highly likely that more rate rises are in store, those intending to apply for caravan finance in coming times can utilise the finance resource tools we provide including our [Caravan Finance Calculator](/loan-calculator "Estimate your motorhome loan payments"), which is available here on our website. If making plans to purchase an RV with Caravan Finance, knowing how an interest rate rise may affect that loan may be extremely useful information for buyers. The finance calculator can be used for that purpose – to estimate repayments based on guesstimates of rate rises, and for many other purposes. The calculator is especially useful for assisting with planning what to buy, when to buy and in making decisions around the lender and the details of the loan. Our Caravan Finance Calculator is a very easy to use function which is accessed here, is free to use and attracts no obligation. To assist buyers considering finance to get the optimum use from our finance calculator, we provide this information on how to use it correctly and effectively and highlight the multi-purpose nature of the device. ## How to Use Our Loan Calculator We actually provide two separate functions which can be used to calculate caravan loan repayments – the Interest Rate Comparison Calculator and the Caravan Finance Calculator. The comparison device is the table which lists the rates and loans offered by a selection of lenders. By inputting the amount wanted for a loan, the estimated repayments applicable to each loan and lender listed is displayed. The key purpose of this is to highlight the variations across the market and the low rates offered by Jade Caravan Finance. The Caravan Finance Calculator has additional capabilities in that the interest rate can be varied. So this is the tool to use to work out possible effects on caravan loans as a result of an RBA and ensuing lender rate rise. You enter the amounts in the various boxes as indicated. The total loan amount, the interest rate and the loan term. Start with the amount of the loan which may be the price of the RV you are considering. Now decide on a loan term, possibly 5 years/60 months for example. Now enter the current interest rate we are displaying as the advertised rate or the comparison rate. Now you have that data in place, you can start varying one, two or all three values and note the result. To see what the effect from an increase in interest rates, simply add say 0.25% or 0.15% to the rate as an example. Leave the loan amount and the loan term the same. You’ll immediately see the repayment estimate change. Providing an indication of the effect on repayments by a rate rise. When using loan calculators, it is important to appreciate the limitations of such a device and use the information as intended. This is a generic function so no allowance can be made for specific of individual loan applicants, especially the credit profile. Interest rates advertised by lenders will typically be the rate which applicants with good credit profile may be offered. Be mindful that the calculation is not a loan offer or even an indication that a loan has been approved and not all fees and charges will have been accounted for. ## Compare the Lowest Caravan Interest Rates The basic purpose of a loan calculator is to calculate repayment estimates on caravan finance, especially considering [low caravan loan interest rates](/interest-rates "Lock in low-interest financing for your caravan"), ahead of applying for a loan or buying to check that the purchase price is within budget in terms of loan repayments. But the calculator offers a lot more. - Assist with making buying decisions: saves time in inspecting and having discussions on caravans that are not in your affordability zone in terms of loan repayments. Before leaving home you can easily decide if that make or model will fit within your budget range in terms of repayments. - Time purchases: help in making decisions around when to buy. Interest rates are tipped to rise again and possibly on several occasions this year and/or into early next year. Vary the interest rate on the calculator as a test case, to see what repayments may be at different slightly higher rates. This may assist in deciding if you can or want to hold off until a later time to purchase or if you should move faster to secure caravan finance at the current interest rates. - Decide how you would like the caravan finance structured: varying the term changes the repayment amount. Calculating these estimates prior to making a loan application may speed up the loan process. You will be able to brief your Jade consultant one exactly how you would prefer your loan be structured. - Decide if it is preferable to request a no deposit loan or to pay a deposit to the dealer to reduce the amount being requested. - Achieving target repayments: if you have a target amount you would like to achieve in repayments, do the ‘reverse’ process. Enter initial figures then vary the loan amount and term until the combination achieves the repayment figure you have in mind. Putting rate rises into context when you are considering applying for finance can be a lot less time-consuming and confusing by simply using a caravan loan calculator. It is an extremely useful resource and an essential buying tool for those planning to purchase a caravan with finance. **Contact Jade Caravan Finance on 1300 000 003 for a firm quote on caravan loans after calculating estimates on the finance calculator.** *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.* **Categories:** Loan Tips --- ### [New government – what now for caravan finance interest rates?](https://www.jadecaravanfinance.com.au/blog/loan-tips/new-government-what-now-for-caravan-finance-interest-rates) **Published:** May 29, 2022 **Author:** Publisher **Content:** It’s been nine years since Australia had a change in government at the federal level. The outcome of the May 2022 election has led to a change in Canberra and coincides with the RBA normalising the cash rate with rate hikes. This may lead to queries, doubts and uncertainties for RV buyers as to caravan finance interest rates. Understanding how [caravan finance interest rates](/interest-rates "Caravan financing with attractive interest rates") are set by lenders may help buyers appreciate any connection or effect as a result of the change of government. Having a clear understanding of the interest rate scenario can boost confidence to proceed with a caravan finance application, have a better grasp on the RV finance market and assist with choice of lender. Before getting into the explainer, we note:- - RV owners with existing caravan finance will not have the loan affected by any change of government at federal or state level. - Caravan finance applications currently being processed and pre-approved loans in place would not be impacted by the change. - The structure and range of caravan finance options is also unaffected. - The results of elections don’t have direct consequences for interest rates. However, policies implemented by governments can impact the economy and the indicators which are used by the RBA when making cash rate decisions. This would typically be a more medium to long-term effect. - The RBA and not the government sets the official cash rate which then determines lending interest rates across the loan markets. ## RBA Role and Responsibilities There is both a straight answer and a more complex explanation of the role of the [RBA](https://www.rba.gov.au/ "Explore economic reports and data from the RBA") in setting interest rates and the impact of government on interest rate decisions. The most important factor to appreciate is the Reserve Bank of Australia, the country’s central bank is an independent body and determines monetary policy for the country. The RBA is not a government department and is not directed by the government of the day and the RBA Board does not take advice or instruction from the Treasurer. It monitors and assesses economic conditions and makes its own decisions on movements in the cash rate. The key economic indicators which are monitored by the RBA are unemployment figures and the rate of inflation. In addition, global factors which are, or have potential to, impact the Australian economy are closely watched and assessed. Global issues which have recently been highlighted in this regard by the RBA include war in Ukraine, supply chain issues, global fuel prices and continuing disruption from the pandemic overseas, most recently the lockdowns in China. The RBA Board meets on the first Tuesday of each month with the exception of January to discuss the cash rate. A statement is issued following each meeting, which announces the decision, the reasoning behind the decision made and key points for the outlook. As pandemic stimulus support for the Australian economy, the RBA slashed the cash rate several times in 2020. The Board then held the rate at the record low through 2021. With recovery underway, unemployment at target low rates and inflation rising, the RBA is undertaking a process of normalising interest rates. In other words, returning the cash rate to levels pre-pandemic. This is considered a lever to address rising inflation. The role or effect of government in this monetary policy process could be most simply explained as – policies implemented by government having an impact on economic factors such as inflation and unemployment which would then flow-through to RBA decisions. Growth in wages is currently another aspect being closely monitored by the RBA and has been ear-marked as a major issue for the incoming federal government. However, it should be appreciated that any policy shift introduced by government may take some time to have a clear and major impact. Some policies would need to be passed through the Parliament, which can be in itself a lengthy process. The policy then needs to be implemented. ## Caravan Finance Rates Once the cash rate is set by the RBA, the banks and other lenders across all lending markets reassess their own rates. Each will have its own approach to raising or lowering, whichever is the case, following a RBA Board decision. Currently, after a long period of record low rates, interest rates across the markets are rising as the RBA increased the cash rate in May and looks set to do so again in the coming months. For RV buyers seeking caravan finance, it becomes more important to secure the cheapest interest rate loan possible. [Jade Caravan Finance](/ "Jade Caravan Finance: Your partner in RV funding") assists buyers in that respect with our accreditations with over 40 banks and non-bank lenders. So there is no need for our customers to contact multiple lenders to request quotes to compare. We handle all that on their behalf. As the new federal government settles in, the RBA Board is set to meet in just over a week. We hope this basic explainer has assisted those seeking or holding caravan finance to better understand how interest rates are set. If you have any further queries please reach out to us to discuss with one of our consultants. **Contact Jade Caravan Finance on 1300 000 003 to discuss your caravan finance requirements.** *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.* **Categories:** Loan Tips --- ### [Take the lot without costing a lot: Toy Hauler Caravan Finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/take-the-lot-without-costing-a-lot-toy-hauler-caravan-finance) **Published:** May 29, 2022 **Author:** Publisher **Content:** Caravan and RV enthusiasts are typically the outdoors type with many in the adventure-seeking category. People that seek to enjoy all that is on offer in the great Australian outdoors whether in remote and rural areas or even just a few hours from home. To maximise that enjoyment, many of us love our outdoor toys – canoes, kayaks, off-road dirt bikes, mountain bikes and the like. Before making a purchase, it’s wise to conduct a [caravan finance check](/ "Find out if you qualify for caravan finance"). Many RV owners want to take the lot when they get away, but no one really wants that to cost a lot. So the search will be on to secure the cheapest toy hauler caravan finance. Toy haulers are a great RV style which enables enthusiasts to take their sporting gear, machines, equipment and goods on holiday, easily and conveniently. A number of major caravan manufacturers include a toy hauler in their line-up with options to suit many buyers. To facilitate the purchase of a specialist RV, toy hauler caravan finance can be secured at cheap interest rates through specialist RV broker-style lenders. With accreditations with over 40 lenders, Jade Caravan Finance is well-placed to source affordable toy hauler finance so you can take the lot without paying a motza for your vehicle. We showcase a number of toy hauler makes and models to consider and detail the finance options available to make the purchase. ## Jayco Toy Haulers [Jayco](https://www.jayco.com.au/range/toy-haulers "Explore Jayco's range of products") is one of Australia’s most well-known and well-respected caravan manufacturers with models to suit many lifestyles, budgets and buyers. This includes two toy hauler models – the Work’n’Play and the Basestation. The Work’n’Play is a 17’ model which has sleeping accommodation for six and can also be transformed in a mobile ‘garage’ for adventure seekers to stow their bikes, boats and other equipment. The narrow width and lower height can make this an ideal vehicle for accessing tricky sites. The Basestation is larger at 23’ and has sleeping accommodation for eight. The toy garage is accessed by a rear fold-down ramp. When the toy zones are in use for storage, the beds in that section fold up against the wall. To assist in making the decision as to which Jayco to buy, refer to our [Jayco caravan finance calculator](/loan-calculator "Get insights into Jayco caravan loan costs") to work up possible loan repayments based on Jayco’s advertised price for these models. ## Patriot Campers Toy Haulers [Patriot Campers](https://patriotcampers.com.au/toy-haulers/th610/) offers 3 toy hauler models in a camper trailer style which can be customised to suit individual requirements. TH610 is just over 6m, sleeps up to 4 and has the camping reqs in the front section and – party in the back – space for toys on the trailer behind. The TH730 is 7.3m, also sleeps up to 4 but with more deck capacity for more toys than the 610. The TT730 offers a different set-up with a storage compartment rather than a complete camping station. Great for storing gear, equipment, portable refrigeration and camping gear. Plenty of space for vehicles on the trailer. No sleeping accommodation is offered with this model. So it will likely suit those heading to race tracks, for day trips or for those opting for overnighting in tents instead of in a RV. Even though the TT730 is less caravan and more trailer, it may still suit our Secured Caravan Loan. ## Paramount Caravans [Paramount Caravans](https://www.paramountcaravans.com.au/caravans-tuff-mudda-196-24/) offer their Tuff Mudda Toy Hauler for buyers to consider. A 23’6” rugged vehicle which has plenty to offer and plenty of options. Sleeping accommodation can be selected from three layouts and Paramount offer a number of upgrade packs. Upgrades include the semi-off road, full off-road, goodies and the top of the range designer option. Other toy hauler models are also available from Paramount starting with the 19’6” TM01. All models have stylish interiors for comfort and relaxation after a tough day of adventure seeking. The models and configurations can be checked out at the website or drop in to one of Paramount’s dealers. Before heading to the dealership, contact us for pre-approved toy hauler finance. You’ll be set to place that order immediately and know what upgrades your finance and your budget will allow. ## Toy Hauler Loan Options Toy haulers enable owners to take a lot more gear with them on holidays compared with many traditional caravan designs. But this additional space and features does not mean the RV finance will cost more. Jade Caravan Finance offers the [Secured Caravan Loan](/secured-caravan-finance "Secure your dream caravan with a loan") for buyers of all types of caravans and RVs, including toy haulers, at our same cheaper interest rates. The interest rate on a caravan loan is not determined by the size or type of the vehicle. The interest rate achievable on caravan finance is determined by specifics of the loan application including the credit profile and the skill and expertise of our consultants. Apply direct to a bank or lender and typically, the loan applicant has little prospect of negotiating the rate down. Engage with Jade Caravan Finance to source the toy hauler finance and your prospects of achieving a cheaper interest rate loan increase significantly. We have access to more lenders which provides more options. Our consultants do have the bargaining power to negotiate and achieve cheaper loans. Get straight into requesting a quote or use our Interest Rate Comparison to work up repayment estimates to assist in selecting which make or model best suits your budget. **Contact Jade Caravan Finance on 1300 000 003 to discuss a quote for finance on a toy hauler.** *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.* **Categories:** Loan Tips --- ### [Don’t miss the Queensland Caravan Supershow This Week!](https://www.jadecaravanfinance.com.au/blog/loan-tips/dont-miss-the-queensland-caravan-supershow-this-week) **Published:** June 5, 2022 **Author:** Publisher **Content:** No doubt plenty of caravan enthusiasts will be heading to the [Queensland Caravan Supershow](https://www.caravanqld.com.au/show/lets-go-queensland-caravan-camping-supershow/ "Discover exhibitors and attractions at the Queensland Caravan Supershow") this week. This Supershow starts on Tuesday 7 June and runs through to Sunday 12 June with plenty for caravanning enthusiasts to consider and new models to entice buyers to the lifestyle and rusted-on fans to upgrade. Over 200 exhibitors covering all types of caravans including traditional models, camper trailers, slide-ons, motorhomes and all the gear and accessories to add comfort, convenience and a touch of luxury to the adventures will be on display. To assist buyers attending the Queensland Caravan Supershow and other shows, Jade Caravan Finance offers pre-approved caravan finance at cheap interest rates. Pre-approved finance is a great way to approach a caravan purchase as it provides confidence and assurance and allows buyers to target the makes and models with prices in their known affordability range. ## Queensland Supershow Details The show will be held from 7-12 June 2022 at Brisbane Showgrounds, Bowen Hills. Tickets can only be [purchased online](https://caravanqld.oztix.com.au/outlet/event/cf9886cb-dd12-46ee-af05-7f59f3d0112d?utm_medium=organic&utm_source=cq_website&utm_campaign=supershow22) with adult 1 day pass $20, 2 days $35. A great [schedule of activities](https://www.caravanqld.com.au/show/lets-go-queensland-caravan-camping-supershow/ "Click here to see the caravan camping event timetable") and entertainment is planned including valuable education and information sessions. Weight and towing masterclasses will be conducted by experts to educate and inform novices and the highly experienced owners. Shows are a great opportunity for buyers and for caravan manufacturers! Buyers get the chance to inspect multiple makes and models side by side to compare and evaluate the features and suitability for their requirements. Brands get the chance to showcase new models direct to big crowds in the one location. Brands on display at the Brisbane event include:- Active Caravans; Blue Sky Caravans; Concept Caravans; Essential Caravans; Austrack Campers; Adria; Viscount; Alpine Campers; Condor; Lotus; Bushtracker; Emu Camper Trailers; Paradise Motorhomes; Austral Motorhomes; Hardkorr Campers; Fortitude Caravans; Dometic; Avida; Ezytrail; Goldstream RV; Netwrok RV; Horizon Motorhomes; Little Gem Caravans; Millard Caravans; Nova Caravans; Regent Caravans; Sunseeker; Supreme Caravans; Winnebago; amongst many others. Plenty to see and 6 days to take it all in. ## Sunshine Coast Show Following the Supershow, the Queensland caravan show schedule heads to the Sunshine Coast. The [Sunshine Coast Expo](https://www.caravanqld.com.au/show/lets-go-sunshine-coast-caravan-outdoor-expo/ "Get your tickets for the Sunshine Coast Event") is scheduled for the 19-21 August at Nambour Showgrounds. Tickets are not yet on sale, but those interested in attended can stay across the latest information and updates at the event website. ## Buying a Caravan at a Show: Tips and Hints Attending a caravan show is great for buyers but it can also be confusing. Having a plan and a clear vision as to what they want in a new RV can assist genuine buyers from being distracted by the vast amount of offerings. With over 200 exhibitors at the Supershow, it can be very easy to get side-tracked by new models. Models which may have the WOW factor but be outside the affordability zone or have features which are not necessary to the caravan lifestyle required. - Create a clear vision of what is required in the preferred caravan. - Make a check list of the essentials so you don’t forget to ask! - Do your research prior to attending wherever possible. - Check out the exhibitors attending and preview their details on their websites. - When inspecting, ask for clarification on what is standard and what is optional and attracts extra cost. - Demo models can be fitted-up with a lot of extras to showcase the manufacturer’s capabilities. This may lead to confusion in the mind of buyers that don’t ask for clarification. - Be mindful that Jade Caravan Finance can work to include many optional extras in the caravan loan. So don’t discount the extras without asking us how it may impact your caravan finance. - Load our[ Caravan Finance Calculator](/loan-calculator "Calculate your caravan financing online") site into your mobile phone for quick reference on estimating loan repayments. - Use our Compare Interest Rates tool if made a finance offer on the day. We offer better interest rates which can represent significant savings on repayments. ## Pre-Show Caravan Finance While it may be a little late to get your loan organised in time for the Brisbane show, pre-approved caravan finance with clear [caravan loan repayments](/calculator "Calculate your monthly caravan finance costs") is a great option for buyers attending caravan shows. The loan is arranged right through to the approved stage prior to the event. The interest rate is the same as loans quoted and arranged after purchase and all the same features and benefits of the Secured Caravan Loan remain the same also. The great advantage of pre-show finance is the confidence it instils in buyers and it can be a safeguard against spontaneous decisions made in the excitement of the moment which could be finance at a higher interest rate. Arranging finance prior to the show, allows our customers the time to concentrate and consider all factors calmly and thoroughly. From that point they can narrow down choices to a specific price range and avoid over-spending on the day. Pre-approved caravan finance allows buyers to not be distracted by offers made by dealers on the day. Offers which may appear to have urgency attached and may make buyers feel they must make a quick decision or miss out. Our consultants are on hand to take calls for quotes, even while you’re at a show. Caravan shows are great events, there are many coming up and arranging finance prior can present many benefits for buyers to secure their RV quickly and easily. **Contact Jade Caravan Finance on 1300 000 003 to discuss pre-show caravan finance** *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.* **Categories:** Loan Tips --- ### [Cash, fixed, variable rates – what they mean for caravan finance interest rates](https://www.jadecaravanfinance.com.au/blog/loan-tips/cash-fixed-variable-rates-what-they-mean-for-caravan-finance-interest-rates) **Published:** June 5, 2022 **Author:** Publisher **Content:** Interest rates have been prominent in the general news lately due to a range of factors. Primarily, the RBA slashing the cash rate as part of the stimulus monetary policy in 2020 to record lows. A situation which prompted discussion around whether borrowers should go fixed or variable and made lending more affordable. But with inflation surging, the RBA is hiking rates. So what does all these different terms and the changing scenario mean for [caravan finance interest rates](/interest-rates "Check out the latest caravan finance rates")? While many people may moan and groan about banks and lenders raising rates, the situation is not completely under their control or their responsibility. There are settings which determine lender rates and there are a number of actions that individuals can do to ensure they are offered the cheapest caravan finance interest rate. Caravan finance interest rates will vary across the range of banks and non-bank lenders and will also be determined by the credit profile of the loan applicant. With interest rates in general on a rising cycle, it can be helpful for caravan loan applicants to understand how rates are set, where to get to the best caravan loan rate and what they can do themselves to ensure the cheapest rate offer. We provide a basic overview of the terms and definitions around interest rates, the factors affecting the rate offered and how applicants can do their bit towards achieving the cheapest caravan loan. ## Establishing the Cash Rate The official cash rate is the rate charged by the [RBA](https://www.rba.gov.au/ "Learn more about the RBA's role in the economy"), the central bank of Australian on overnight lending between banks. The cash rate is established by the RBA and is part of monetary policy which aims to achieve target economic settings for especially inflation and unemployment and then flow on to economic growth. The RBA Board meets monthly (not in January) to assess the economic conditions at that time, how settings have altered since their last meeting and hence whether or not a change in the cash rate is required. Following an extended period of historic lows, with inflation now surging, the RBA is undertaking a period of normalising the rate by increasing the cash rate. The increase in May 2022 represented the first time in over 12 years that the cash rate had been increased. Further rises are expected over the rest of 2022. ## How Lenders Set Interest Rates The banks and non-bank lenders use the cash rate as their foundation for setting their rates across their lending areas. The cash rate is the price they have to pay for their borrowings so to speak. They then need to allow for their own business operational costs and other factors. Risk is a major consideration and lenders will assess the risk factors associated with different industries and market sectors. This is why you will see a variation in the interest rates offered across different lending areas – home loans, car loans, business loans and leisure loans such as caravan finance. Business finance rates are typically lower than personal loan rates as businesses are perceived as less risky of default than individuals. Rates vary from lender to lender as the lenders establish their own individual rates. A contributing factor may be their ‘exposure’ to that market or their willingness and enthusiasm to loan on certain goods. Specialist lenders in certain areas, such as Jade Caravan Finance is in the RV market, can tend to offer better rates in their specific markets. Cheaper interest rate caravan loans can be achieved by considering more lender options. A key advantage provided through Jade. ## Fixed and Variable Rates One confusing issue with interest rates can be around the difference between fixed and variable interest rates. In the home mortgage market, this is particularly relevant but less so in caravan finance. A key point of difference is that the fixed interest rate finance we secure on [Secured Caravan Loans](/secured-caravan-finance "Finance your caravan securely with our loan offerings") remains at that same rate for the entirety of the loan term. With home loans, a fixed rate might only be secured for a few years. Variable rates are subject to change as the lender increases or decreases their rates. Unsecured Caravan Loans may be at variable or fixed rates. Fixed rate caravan finance is seen as the preference by most buyers as it provides the assurance of continuity and consistency in loan repayments. ## Personal Impacts on Interest Rates The rate advertised by lenders will be for loan applicants that have a good credit profile and it will be for new goods. The interest rate offered to individuals will vary depending on the assessment of risk make of their application by the lender. To ensure the cheapest interest rate is achieved, caravan buyers seeking finance should ensure their credit profile is kept in good order. While making payments on time to avoid default is a key aspect of a good[ credit profile](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Understand your credit background"), having a good personal balance sheet is also important. As is limiting the number of loan applications made for the same loan. Very few people will realise that in their attempts to find the cheapest caravan loan – making numerous applications, they can actually be causing a negative effect on their credit profile. Lenders report applications to the Credit Reporting Agencies and multiples can be perceived as a negative. Using a broker-style lender like ourselves can avoid that scenario. ## Sourcing Cheapest RV Finance Interest Rates With many banks and lenders offering [RV loans](/rv-finance "Explore recreational vehicle financing options") and the many factors to consider, buyers seeking finance can benefit greatly by using our services to achieve the cheapest interest rate RV loan. We have the connections and accreditations with many lenders so we have instant access and knowledge about which lender is offering the cheapest rates at that time. We also have the expertise and bargaining power to negotiate with lenders. Interest rates can be a complex area and with more RBA rises on the horizon, the topic is sure to continue in the headlines for some time. **Contact Jade Caravan Finance on 1300 000 003 to discuss a better interest rate caravan loan** *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.* **Categories:** Loan Tips --- ### [Reserve Bank Hikes Cash Rate – flow-on effects for caravan loans](https://www.jadecaravanfinance.com.au/blog/loan-tips/reserve-bank-hikes-cash-rate-flow-on-effects-for-caravan-loans) **Published:** June 12, 2022 **Author:** Publisher **Content:** The Reserve Bank once again hiked interest rates at its Board meeting in June. A decision which was highly anticipated though the size of the rise has left many quite surprised. The expectation across the finance and economics sector was for a rise in the vicinity of 0.25-0.4%. But the RBA hiked the cash rate by 0.5% to 0.85%. While many analysts and economists were surprised by the figure, prospective RV buyers and owners with finance may also be concerned as to the effect this will have on caravan loans. The June 2022 decision which follows the 0.25% hike in May, is quite significant both for the size of the rise and that this size increase has only been made a few times over several decades. The RBA’s actions are in response to surging inflation in Australia which sits at 5.1% based on March quarter figures. A figure which the RBA Board concedes in their statement is above its previous month’s forecast. Decisions by the Reserve Bank of Australia (RBA) to lift the cash rate flow through to increased interest rates in the lending sectors including caravan loans. We review the key messages from the RBA Board’s June meeting and provide information on the effect this may have on caravan loans to assist existing owners and prospective buyers with their planning. ## RBA Monetary Policy Statement – June 2022 The statement that announces the RBA Board decisions around interest rates covers the Board’s reasoning as well as its outlook. The [June statement](https://www.rba.gov.au/media-releases/2022/mr-22-14.html "Read the Reserve Bank of Australia's 2022 Media Release") announced the 0.5% rise in the cash rate. The Governor of the RBA, Philip Lowe, notes that Australia’s rate of inflation remains below that of many similar advanced economies, though the rate is above what was previously expected. Mr Lowe said that global issues are contributing considerably to the increase in the inflation rate. These factors include the supply chain disruptions which continue to persist across the globe, in many countries due to continuing issues around the pandemic. The war in Ukraine was also once again mentioned as a contributor to the situation in Australia. Issues here in Australia which are contributing to the surge in inflation also include the floods on the east coast recently which have seriously affected many agricultural markets and resultant food prices. The labour market, which is extremely tight, is also noted as a contributing factor. The announcement goes on to state that inflation is expected to be higher in the near period than was expected due to prices for gas, electricity and fuel. By this, it is understood to mean that the RBA’s expectations for inflation made in the May statement were below what has occurred. The Board expects inflation to increase further and then decline next year to around the target level of 2% to 3%. The Board states that the cash rate increase will help to return the inflation rate to these levels, over a period of time. As the supply chain issues globally start to resolve, it is expected that inflation would also moderate. In regards to the economy, the RBA notes the 0.8% March quarter growth and 3.3% for the year which demonstrates resilience in the Australian economy. The near 50 year low rate of unemployment of 3.9% indicates strength in the labour market. Wages growth is expected to pick up as companies compete in filling jobs. Uncertainty around the outlook has been flagged in regard to how consumer spending reacts to inflation. Specifically the effect of inflationary pressures on prices and budgets. Moving forward, the Board will be closely watching domestic data such as household spending as well as developments in global factors as well as prices for energy and commodities. As mentioned in the May statement, the June decision is a further step in normalising monetary conditions and the withdrawal of the exceptional level of support through monetary policy provided during the pandemic. In short, that means that interest rates were dropped to historic lows to make lending more accommodative to stimulate the economy and now interest rates are being returned to more normal levels. Of key significance in the June statement is the mention of more steps towards this normalisation in the months ahead. In other words, further rate rises are on the cards. What size they may be will depend on inflation, labour figures and other data. July 5, the first Tuesday of next month, is the date for the next RBA Board meeting regarding cash rate decisions. ## Caravan Loans Effect As mentioned above, decisions by the RBA flow on and through lending and these rate hikes do mean increases across the board including caravan loans. For caravan and RV owners with current finance at fixed rates, no change in rate or caravan loan repayments would follow. With our [Secured Caravan Loan](/secured-caravan-finance "Learn about the benefits of secured caravan loans"), a fixed interest rate applies. If the existing caravan loan was secured at a variable rate, as is an option with our [Unsecured Personal Loan](/unsecured-personal-loans "Get started with an unsecured personal loan today"), changes will typically occur. For those planning their RV purchase with finance, Jade Caravan Finance can offer a wide selection of lender choices so we are always in a position to secure the cheapest rate to suit individual buyer requirements. The interest rate which caravan finance lenders display typically relate to new RVs and for buyers with a good credit score. So buyers can contribute to achieving a better interest rate by keeping a good rating. **Contact Jade Caravan Finance on 1300 000 003 to discuss sourcing a cheap interest rate caravan loan.** *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.* **Categories:** Loan Tips --- ### [Should RV purchases be delayed? Will caravan finance interest rates go back down? Explaining the current rate scenario](https://www.jadecaravanfinance.com.au/blog/loan-tips/should-rv-purchases-be-delayed-will-caravan-finance-interest-rates-go-back-down-explaining-the-current-rate-scenario) **Published:** June 12, 2022 **Author:** Publisher **Content:** The current scenario around interest rates may have some prospective RV buyers reconsidering their purchase timing. Whether they should put off buying a new caravan in the hope that caravan finance interest rates will go back down at some time down the line. Alternatively should they jump in quick at the current rates to avoid any further increases? It’s not surprising that the current situation with interest rates may leave many perplexed to say the least. The RBA’s decision to raise rates at its May meeting was the first time that the cash rate had been lifted for nearly 12 years. So some buyers will only have been active in applying for loans in a downward trending market. The decision also came off a 20+ month period of record, historic low interest rates put in place as part of the pandemic stimulus measures. Enough time for many to become complacent and acquire a certain level of expectation that such rates were ‘the norm’. Now has come the reality check and a time for buyers seeking finance to be more diligent when sourcing caravan loans. We provide a guide to securing cheaper caravan finance interest rates and affordable, individually structured caravan loans while rates are in general on the rise. ## Official Interest Rate Scenario The RBA is tasked with establishing Australia’s Monetary Policy. To a great extent this involves setting the official cash rate. A rate which is a lender-to-lender borrowing rate and establishes the foundation from which banks and lenders set their lending rates. As part of the pandemic stimulus measures, the RBA cuts the cash rate to a record low in November 2020 and left the rate at 0.1% until May 2022. As the economy rebounded better than expected from the economic effects of the pandemic and in response to global factors, the rate of inflation has surged. To dampen this rate, the RBA has acted by lifted the cash rate at both its May and its [June 2022 Board](https://www.rba.gov.au/media-releases/2022/mr-22-14.html "Click here to Read the official announcement here") meetings. From the record low of 0.1% the rate now sits at 0.85%. The Board has signalled further rate rises would be required to continue this process of normalising conditions back to pre-pandemic times. For caravan buyers planning to purchase with finance, that should be a green flag not a red flag. A signal to go and buy now before future rises. ## Caravan Finance Rates Banks and lenders across the board react to RBA decisions by adjusting their own lending rates, including [caravan loan rates](/interest-rates "Check out the latest rates for caravan loans"). Individual lenders make their own decisions based on their own company guidelines and policies. Some will pass on the full amount and some partially. With the June rise of 0.5%, the major banks passed on the full amount to their home loan customers. But rates do vary across different lending sectors. Not all banks and finance companies actively offer a specific loan for RVs while others will specialise in this leisure sector. These specialist lenders, such as Jade Caravan Finance, can tend to be more competitive due to their greater interest in that market and their in-depth coverage of the market. So buyers seeking the cheapest rates can benefit from looking further afield for finance and studying individual terms and conditions attached to the loan. Another key aspect to watch for is fixed and variable interest rates. We source our Secured Caravan Loans at a fixed interest rate. With this type of loan, the fixed rate is in place for the full period of the finance term. It will not change with any fluctuations in the lending market as a result of RBA decisions. Some lenders and some loans, such as Unsecured Personal Loans for caravans not accepted as security by lenders, can have variable rates. A variable rate will change in response to rate changes. For those seeking assurances or insurance against future rate rises, a fixed rate caravan loan is the way to go. ## Securing Affordable Caravan Finance With the RBA effectively in a rising rate cycle, it has become more important than even a few months ago, for buyers to pay more attention to ways to secure a cheaper caravan finance interest rate. The two basic ways to achieve that are to apply to multiple banks and lenders to find the cheapest or utilise the broker-style services as offered by Jade Caravan Finance to do all that hard work for you when looking for a [caravan on finance](/ "Explore financing options for caravans"). While we do offer a wide range of additional benefits, it should also be noted that making multiple loan applications for the same finance can negatively impact the loan applicant’s credit profile. We not only specialise in RV finance, but have multiple accreditations with lenders which provides us with instant access to intel and connections with which lender is best suited to offer the cheapest rate for an individual customer’s requirements. All applications are assessed individually and the rate offered reflects the quality of the applicant especially in regard to the credit profile. The caravan age and quality also is assessed. While interest rates are key to cheaper loans, the affordability factor should also be addressed. By that we mean focussing on the monthly repayment amount to target a level that works with the household budget. ### Calculate your Caravan Financing Use our [finance caravan calculator](/loan-calculator "Estimate your RV finance online") to see how you can best structure your loan to achieve that magic repayment target. This can be achieved by varying the total loan amount by paying a deposit to the caravan dealer or not opting for some of the extras on the van. A lower monthly repayment can also be achieved by requesting a longer finance term. ## Outlook Will rates go back down again? Cutting rates by the RBA can be an indication that the economy needs propping up as happened with the pandemic. Not many would wish that to happen again! For the immediate future, based on the RBA’s recent statement, further increases not decreases lay ahead. But inflation is expected to moderate from the current 5.1% to the 2-3% range in 2023. While not predicting RBA decisions, this may create conditions suitable for holding interest rates steady. For now, rates may rise again in the coming months. So getting in quickly with that purchase could be advisable. Our consultants can respond swiftly and promptly to source quick quotes and fast approvals on cheaper interest rate caravan loans. **Contact Jade Caravan Finance on 1300 000 003 to discuss a better interest rate caravan loan** *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.* **Categories:** Loan Tips --- ### [RV Finance on New Caravan Releases](https://www.jadecaravanfinance.com.au/blog/loan-tips/rv-finance-on-new-caravan-releases) **Published:** June 20, 2022 **Author:** Publisher **Content:** The caravan shows are attracting great numbers and great attention and providing manufacturers with the perfect showcase for their new caravan releases. Numerous suppliers have launched new models to aficionados and potential buyers keen to upgrade and update. Buyers keen to secure a newly released caravan model can take advantage of first securing affordable RV finance as a pre-approved caravan loan through Jade Caravan Finance. Pre-approved finance allows buyers to be ready to order and possibly head to the top of the order list for faster delivery. Those who may be concerned about their credit status can explore options with [caravan finance guaranteed](/ "Unlock exclusive deals on reliable caravan finance") to ensure they don’t miss out. With interest rates on an upward trajectory, buyers planning to purchase a new caravan, camper or RV with finance in the near future are urged to expedite the process prior to the next rate rise by the RBA. We showcase a number of new caravans which were recently released at the Brisbane caravan show along with a guide to accessing affordable RV finance to make that all-important purchase. ## Showcase: Spinifex Electrified Model Attracting attention at the Brisbane show was a new custom-order caravan from [Spinifex](https://spinifexcaravans.com.au/ "Find out more about what OzX Corp has to offer") – a 19’6” Electrex Premier model. The big attraction was that this particular build is gas-free, using the limitless power system from [OzX Corp](https://www.ozxcorp.com/ "Find out more about what OzX Corp has to offer"). In its own words, OZX has ‘disrupted’ the global RV sector with its technology solutions, which are protected by patents to solve issues emerging across the industry. In this case, providing systems which do away with refilling those LPG cylinders but still providing a complete off-grid lifestyle. The Spinifex model is fitted with the power platform which has been developed by OZXCorp and includes commercial-grade solar panels, lithium battery and smart inverter. Providing sufficient power to support appliances while off the grid for an extended period. The custom-order vehicle uses the company’s Nomadix Premier as a base. While these buyers opted to go gas-less, the company customises vans to suit requirements with combos of electric and gas available. The name Electrex alludes to the electric nature of the model but the Nomadix Premier can also be fitted with OzXCorp systems. The van is extremely luxurious, fitted out to meet the buyer’s requirements including leather-covered dinette seating, rear ensuite which includes a separate toilet and shower and plenty more. Spinifex builds to order and have three base models that buyers can select from and then create their space with the variations in layouts, floorplans and fittings. As with many other manufacturers, the order/delivery time may be long for these coveted vehicles, so placing that order asap would be advisable. ## Showcase: Snowy River Caravans All Terrain Another model turning heads in Brisbane was the all-terrain model from [Snowy River Caravans](https://snowyrivercaravans.com.au/#section-1 "Access resources and Information from Snowy River Caravans"). The company is an Australian-Chinese brand with the vans are built in China and completed in the company’s Melbourne facilities. This particular new multi-terrain model is 20’ and includes galvanised steel chassis, semi-independent coil suspension and reinforced composite wall panels of fibreglass with an aluminium frame. The construction technique creates the distinctive monocoque body. Worth checking out this brand at the next caravan show or online. ## RV Finance Options Some good news with the rising interest rate situation is that the rate that banks and lenders, including ourselves advertise is for new goods and for applicants that have a good credit score. So finance on one of these brand new models should attract a lower interest rate than on a second-hand caravan. For those looking into RV options, it’s essential to research the [best RV financing](/rv-finance "Discover the most favorable RV loan deals") to ensure you’re getting the most value for your money. The type of new caravan or RV – hybrid, off-road, all terrain or electrified as in the case of the new Spinifex model, does not in general terms affect the features and benefits of the RV loan. The same [Secured Caravan Loan](/secured-caravan-finance "Learn about securing a loan for your caravan purchase") is suited to all types of RVs. Our Secured Caravan Loan follows a simple format where the RV becomes the security against the loan and the borrower repays the finance in equal monthly repayments over a fixed finance term. We arrange our loans with a fixed interest rate, so despite what happens with rates during the finance term, the loan will not change. To see what the loan repayments on a new Spinifex or Snow River model may be at our current interest rates, refer to our Compare Finance Rates Guide. It shows comparisons with a number of lenders. ## Ordering well ahead and needing finance? As most RVs are either fully custom-built or built-to-order from manufacturer’s existing models, there can be wait times for delivery. Delivery times have been further blown out over the past few years due to pandemic issues and a spike in demand, also COVID-driven. This scenario can pose queries for those requiring finance for the purchase. The finance may not be required to pay the manufacturer until delivery. Alternatively, progress payments may be required at completion of certain production stages. While we provide pre-approved caravan finance, the loan does have an expiry date which would be prior to the delivery timeframes currently available. Solution – talk to one of consultants about what we offer customers in this situation. As broker-style lenders we are not restricted by many of the strict guidelines that other banks and lenders may need to adhere to. We address each loan application individually to deliver finance solutions to specifically suit the requirements. **Contact Jade Caravan Finance on 1300 000 003 to discuss an RV finance solution that works with your budget and with your delivery timeframe** *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.* **Categories:** Loan Tips --- ### [Balancing rising caravan prices, costs of living and rising interest rates with affordable caravan finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/balancing-rising-caravan-prices-costs-of-living-and-rising-interest-rates-with-affordable-caravan-finance) **Published:** June 20, 2022 **Author:** Publisher **Content:** The surge in inflation and pressure on general household living expenses may have caravan buyers doubting if a purchase of a new RV is a realistic goal. Add to that reports that caravan prices are also on the up and interest rates on all forms of lending include caravan finance are also increasing as a result of [RBA](https://www.rba.gov.au/ "Stay informed about monetary policy with the RBA") decisions. Caravan buyers requiring finance may face their own budget balancing act. But hold on to that dream! Despite rising prices for caravans and rising interest rates, affordable caravan finance is still achievable through specialist lender, Jade Caravan Finance. We cover off on some of the reasons behind caravan price and interest rate rises as explainers and provide guidance and direction as to how buyers can take steps towards achieving affordable caravan finance. ## Caravan Price Increase Reports Reports in industry channels have prices for some caravan brands on the way up. This is being attributed to many of the issues which are impacting the prices of many goods across the economy. Supplier costs and freight costs for components and other materials coming in from overseas head the list. Blown out delivery times are also apparently contributing. For potential buyers, securing the [best caravan loans](/ "Start your journey to caravan ownership with the finest loans") can help in mitigating some of these rising costs. Despite the wait times for some brands, ‘ready to deliver’ and faster delivery times are available through some manufacturers and for demo vans. Tip: look for what is available to go even if it means compromising on some wish list items. ## Interest Rates Set for More Hikes We have covered the interest rate situation in a number of our articles and have been constantly urging buyers to get in as fast as possible with their purchases before the RBA started to increase rates. The rate rise started in May, continued at the RBA June Board meeting and there are more hikes to come. Contributing to the rises is the unemployment level of 3.9%, a 40 year low. Steady at this rate for May ABS figures, this is seen as further pressure on the Board of the RBA to further raise the cash rate. Inflation is of course the major topic of conversation in most circles. In the RBA’s June Monetary Statement, Governor Lowe’s expectation was for inflation to hit 6% later this year. But within a week, in an interview, he had revised that figure to 7%. A further sign that more and faster action by the RBA on rates is on the cards. The decision on the minimum wage was brought down in the past week and while the 5.2% increase is much-deserved and required, it may further fuel inflation. Businesses that employ workers in that category, which may include caravan manufacturers, will likely need to pass on increases to their own costs to their buyers. International events are also playing into the situation in the Australian economy. Inflation in the US is over 8% and their Fed Reserve (central bank) has recently hiked rates by a significant amount. The war in Ukraine as well as supply chain disruptions are also continuing to impact prices in some Australian markets. ## Achieving Affordable Caravan Finance The effect of rises in the cash rate by the RBA on caravan finance are that banks and lenders across the markets increase their own rates in response. While we are focused continually on achieving better and cheaper caravan finance interest rates, it is all relative to what is available across the leisure lending market. While our consultants work hard to negotiate interest rates down for our customers, there are some aspects of the finance process that customers can address themselves, which may contribute to a more workable and affordable caravan loan. Here are a few hints and guidelines to consider:- - Establish a caravan finance repayment amount that works with your budget. Use our [Caravan Finance Calculators](/loan-calculator "Access caravan financing tools to plan your purchase") to help with the calculations. - When calculating repayment estimates, vary the total loan amount until the desired repayment amount is reached. This can provide an indication of the price range of caravan you should be targeting to achieve the preferred loan repayment. - Insist on a fixed rather than variable interest rate. We arrange our [Secured Caravan Loan](/secured-caravan-finance "chose reliable secured caravan loan services") at a fixed rate and that ensures the rate and the repayments remain unchanged over the entire finance term. Variable rate loans have the potential to increase when the RBA increases the cash rate. Something which is highly expected in coming times. - Be diligent in selecting a lender and utilise the professional services available to secure the cheapest loan offer. Services such as offered by Jade Caravan Finance. We have access to multiple lenders and the expertise to know which is best suited to offering the cheapest loan for specific customer requirements at a particular time. - If offered dealer finance, avoid rushing to sign-up in fear that you may miss out on the sale. Having our calculator on your phone will allow quick comparison calculations and we can move quickly to arrange cheaper finance. - Reconsider including the full caravan purchase price in the loan – no deposit finance. Paying the deposit to the caravan dealer will reduce the total amount of the loan and as such reduce repayments. No deposit finance is great when rates were at historic lows but as they start to increase, it is a tool which can be used to achieve more affordable finance. - Keep your credit score in the ‘good’ range. This is an important part of the application assessment process and lenders typically offer the cheapest rates to applicants with good credit ratings. Refer to [Moneysmart](https://moneysmart.gov.au/ "Discover the latest financial tips from MoneySmart") for where to secure a copy of your profile and directions as to fixing any errors. Achieving an affordable caravan loan is possible despite the challenging economic conditions currently being experienced. **Contact Jade Caravan Finance on 1300 000 003 to start the process towards achieving affordable caravan finance for your dream van purchase.** *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.* **Categories:** Loan Tips --- ### [How our caravan finance calculator can help with deciding which RV to purchase](https://www.jadecaravanfinance.com.au/blog/loan-tips/how-our-caravan-finance-calculator-can-help-with-deciding-which-rv-to-purchase) **Published:** June 26, 2022 **Author:** Publisher **Content:** Never purchased a caravan or RV and wondering where to start? Depending on your approach, one place to start the decision-making process is with using a caravan finance calculator. There are many issues which need to be decided and options to be considered when buying a caravan. But for many RV buyers, one of the biggest is around the price. If the purchase is to be made with finance then the ticket price only tells one part of the story – the amount required in the caravan loan. The more relevant information can be around how much the finance repayments could be. Working that out may be challenging for buyers without professional assistance. To assist buyers to decide which particular RV or caravan to purchase when the decision is based primarily on finance, using a caravan finance calculator can be extremely useful. A caravan finance calculator quickly translates purchase prices into loan repayments based on the data entered by the calculator user. To elaborate on the true value of a finance calculator to buyers, we’re explaining how these tools can be used and including some basic guidelines around how to select a caravan. ## RV Buying Considerations Buyers who are unsure of which particular caravan, camper or mobile home to purchase can refer to the myriad of websites and other resources dedicated to this great lifestyle sector. Some of the key considerations will include:- - Travel plans in terms of terrain – whether an off-road, semi off road or on road vehicle is required. - Length of time away – self-sustaining or not. - Where staying – free camping or in holiday parks with power and other facilities available - The number of adults and children to be accommodated. - Vehicle to tow the RV which can determine size of the caravan and whether traditional or campervan most suitable. - Level of luxury and comfort preferred. - Number and type of toys to be transported. - Storage options and costs. - Traditional caravan or slide-on camper or mobile home or campervan. - Purchase price. - Finance affordability. Where the price of the caravan is a high priority, starting the buying decision process with the caravan loan can be advisable. Specifically, buyers will be looking for how the caravan price relates to the caravan finance and the monthly repayments to assess affordability. ## Value of a Finance Calculator as a Buying Resource While the purpose of a [caravan finance calculator](/loan-calculator "Calculate your caravan loan with our calculator") is to calculate loan repayments, the process can be used to answer a number of buying questions and assist buyers in a number of ways:- - An online resource, the calculator can be used from a mobile phone when at a caravan dealership to acquire loan details based on our cheaper rates when presented with a finance offer from the dealer or manufacturer. - To compare any number of caravan prices in terms of finance repayments to better manage a wish list and get it down to the truly affordable options. - Establish preferences in regard to the loan term and other specifics of the finance and set a target monthly repayment to brief our consultants. - To make the important around no deposit finance or whether it is preferable to pay that deposit to lower the amount requested in the loan. - Save valuable time with in-person inspections of caravan makes and models which are not affordable based on the preferred loan structure. - To have the knowledge of how price translates to repayments to be well-placed to make a buying commitment as soon as the RV of choice is selected. ## Using a Caravan Finance Calculator Our calculator is extremely easy to use with no special skill required. Most RV buyers will suit our [Secured Caravan Finance](/secured-caravan-finance "Unlock exclusive deals on secured caravan financing") so the interest rates currently advertised for that loan can be used in the calculations. Type in the amounts for the loan required, interest rate and finance term in the spaces indicated and [click the link to calculate caravan loan calculator](/loan-calculator "Calculate your caravan loan with a single link click"). Instantly the monthly repayment estimate for those amounts is displayed. To calculate repayments on other caravans, simply repeat the process while noting the results for future reference. We direct you to read the disclaimer with our calculator so you are fully aware of what the results indicate and what they do not imply. Importantly, the use does not imply application approval or a finance offer. ## Interest Rate Variations For the purposes of using the calculator to derive estimates, using the cheap interest rate we are advertising on that day is the right way to go. But users should be mindful that the [RBA](https://www.rba.gov.au/ "Discover the latest updates from the central bank") is currently normalising interest rates and increases in rates are expected in coming months. The interest rate which applies at the time of submitting your loan application may be different from the rate advertised at the time you used the calculator. Also note that the low interest rates promoted by banks and lenders, unless otherwise specified, are for new caravans and for good credit score applicants. Check your score and follow the suggestions on [Moneysmart](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Discover the latest financial tips from MoneySmart") to improve it where possible. ## Additional Support A finance calculator can be extremely helpful to caravan buyers as can be pre-approved finance. Pre-approved caravan finance can be applied for to provide a clear indication of what amount you would be approved to borrow and what the repayments would be. This can be extremely helpful with selecting a caravan that suits your budget. **Contact Jade Caravan Finance on 1300 000 003 for a firm quote after using our finance calculator.** *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.* **Categories:** Loan Tips --- ### [Last Minute Caravan Loans – beat the next rate rise](https://www.jadecaravanfinance.com.au/blog/loan-tips/last-minute-caravan-loans-beat-the-next-rate-rise) **Published:** June 26, 2022 **Author:** Publisher **Content:** The weeks leading up to the end of the financial year and into the new year usually bring a rush for purchases and with that an increase in finance applications including for caravan loans. At the end of financial year buyers would usually be flocking to secure EOFY discounts and deals offered by caravan and camper manufacturers and securing their caravan loans. But in 2022 the situation is quite different. The recent surge in caravan sales and pandemic-related issues which confronted manufacturers in 2020 and 2021 have led to production delays and lower stock availability. Delays are reportedly being faced by manufacturers in many sectors including caravans, which means broad-based, widespread EOFY sales this year are not as large as usual. But there is still a rush on to buy a caravan and apply for caravan loans at this time. The reason? Rising interest rates. After slashing the cash rate to the historic low in November 2020 as a stimulus measure, the [RBA](https://www.rba.gov.au/ "Access resources and reports from the RBA") has now embarked on a process of normalising its monetary policy position. In short, that means, raising interest rates. The RBA acted at its May and June Board meetings to increase the cash rate quite significantly. RBA Governor, Dr Lowe, has also signalled a further rise will be made at the July RBA Board meeting. For caravan buyers the current cycle of rate rises can be an incentive to move quickly to acquire last minute caravan loans and purchase before the next rise. So what happens when buyers need quick caravan finance? Are compromises required? Will the loans attract a higher interest rate or a premium? Buyers in this situation will likely have a number of questions and the scenario may not be limited to beating the next interest rate rises. There may be urgency around sourcing finance to be in a position to purchase hard-to-find RV makes and models and to secure a purchase in time for upcoming travel plans. For those seeking last minute loans, we address these matters and with information on how to go about sourcing that urgent finance while still achieving better interest rates on the caravan loan. ## Need caravan finance in a hurry? Need to knows. There is no problem with sourcing last minute caravan loans through Jade Caravan Finance. We are structured to react promptly to finance requests with quick quotes and fast approvals without making compromises on sourcing the cheapest rates. Whether our customers have all the time in the world to secure their finance or are in a race against the RBA clock, the service provided remains consistent in both quality and scope. There is no difference in the type of loans available for RV purchases depending on how fast the applicant requires the loan. Our [Secured Caravan Loan](/secured-caravan-finance "Start your secured caravan loan journey with us") is the most popular type of finance for many new caravans, campers and other types of RVs. The lender accepts the van as the loan security, we source the finance at a fixed interest rate and a fixed loan term which results in fixed monthly repayments. For buyers of used RVs, the lender will assess the condition and the age of the goods during the loan application approval process. Where the caravan is not considered suitable security against the loan, we can offer our customers the option of applying for an Unsecured Personal Loan. The interest rate offered will be based primarily on an assessment of the applicant’s creditworthiness in relation to the loan amount requested. Creditworthiness refers to a credit profile or rating. The better an applicant’s credit score, the better the interest rate to be offered by our lenders. Addressing problems or errors on a credit profile at the last minute may not be realistic as some of the processes can take time. So it is always advisable to work towards maintaining a good credit score. ## How to source caravan finance quickly The purchase of major goods such as RVs with finance are extremely important decisions. The urgency to secure a loan should not mean that buyers overlook the important steps to ensure they secure the cheapest interest rate loan and that the finance is suited to their needs. Using our broker services can be a major time-saver for buyers compared with undertaking the task by themselves. Sourcing the cheapest interest rate finance on your own can involve making applications to multiple banks and lenders to see which makes the most attractive offer. We cut out that hard work and time by being in a position to assess a vast section of the RV lending market instantly to acquire quick quotes at the cheapest available interest rate. Buyers can expedite the process by having the information and financials required for a loan application form at the ready. Sales were reportedly extremely strong at the recent Brisbane caravan show and with more shows on the calendar, the industry will be looking to that trend continuing. That tends to indicate that there are many keen buyers in the market for possibly limited stocks of RVs. ## How do you get the cheapest caravan rates? For buyers that means – be prepared! Have your finance sorted so you are ready to say YES and head to the top of the orders. There is no need to wait until you have selected or sourced your RV before applying for finance. Pre-approved caravan finance is available and can be secured ahead of attending a caravan show. Pre-approved loans attract our same [caravan loan interest rate](/interest-rates "Start your journey to caravan ownership with great financing rates") as loans which are applied for after a caravan buy is secured. The need to secure a caravan loan quickly can be achieved without compromising on a better interest rate or on the professional services available through Jade to assist buyers. **Contact Jade Caravan Finance on 1300 000 003 for last minute caravan finance to beat upcoming interest rate rises.** *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.* **Categories:** Loan Tips --- ### [Caravan Finance Savings – how you can achieve goals](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-finance-savings-how-you-can-achieve-goals) **Published:** July 3, 2022 **Author:** Publisher **Content:** Finding savings on a myriad of expenses and still making those special purchases such as an RV with caravan finance possible is a key objective for many buyers. Inflation is surging and interest rates across the markets are rising with the [RBA](https://www.rba.gov.au/ "Discover the latest updates from the central bank") forecasting both continuing in an upward direction in the near future. Buyers of caravans and other RVs can make savings or reductions in the cost of caravan finance by considering a number of basic steps when applying for a loan. Savings and cost reductions can have varying interpretations across a range of buyers. It may relate to achieving a lower or target caravan finance monthly repayment or reducing the total cost of the finance and hence the real cost of the RV. Depending on the objective, there are a range of options which buyers can look at when applying for caravan finance:- - Being offered a cheaper caravan finance interest rate - Reducing the finance total by reducing the interest payable overall - Reducing the caravan finance monthly repayment - Avoiding the prospect of facing fees when selling or trading-in to upgrade We’ll address each of these objectives by outlining the steps which may be taken to achieve the goal and when applying for caravan finance through us, our consultants will of course assist with implementing your decisions. ## Achieving Cheaper Caravan Finance Rates The interest rate is key to the cost of a caravan loan. In the past few months the RBA has lifted the cash rate which has resulted in increases in lending rates in most markets. With additional rate rises on the horizon, RV buyers seeking finance will no doubt be looking to every angle to save and ensure they are offered the [caravan loan interest rate](/interest-rates "Discover the best deals on caravan loan APRs") that’s most competitive and suitable for their situation. Here’s a few tips to consider in working towards that objective:- Credit rating is extremely important. You’ll notice on advertisements for consumer finance that the best rate is for applicants with a good credit rating and for new goods. Ensuring bills are paid on time and taking other proactive steps can ensure you maintain a good credit score to be in a position to be offered the cheapest possible rates. Assistance is available at [Moneysmart](https://moneysmart.gov.au/ "Learn more about managing money with MoneySmart"). The choice of which particular bank or finance company is selected can be significant to the interest rate offered. Interest rates on caravan finance vary across the market. Rather than spend a massive amount of time applying to many lenders to unearth the cheapest offer, buyers can simply engage our services. Achieving the cheapest interest rate finance for our customers is a key priority for Jade Caravan Finance. We are accredited with a vast number of lenders which means we have immediate access to what rates each is offering at any particular time and which will best suit our individual customers. With rates across lending markets set for further rises, proceeding with the finance application and caravan purchases as quickly as possible may result in a lower interest rate when compared with delaying the process. Interest rates vary in amount and if fixed or variable, across the lender market. We offer fixed rate caravan finance as this ensures our customers won’t face changes to their rate and repayments over the loan term. So make sure you consider a fixed and not a variable rate loan. ## Reducing the Finance Total by Calculating caravan repayments While focussing on the actual rate of interest, the total amount which is payable over the finance term can also represent an aspect for potential reduction or savings. By using a [caravan finance calculator Australia](/calculator "Click here to estimate your australian caravan Finance easily"), you can get a clearer picture of these numbers. A reduction in the overall interest can be achieved by reducing the amount of the finance requested, achieving a cheaper rate or reducing the finance term. The finance amount may be reduced by:- - Purchasing a lower priced RV - Reconsidering accessories and extras - Choosing to forego no deposit caravan finance and making a deposit payment on the vehicle. In regard to finance terms, our consultants negotiate with our lenders to achieve our customers’ preference. ## Reducing Monthly Repayment For many individuals taking on finance, a reduction in the monthly finance payments can mean a saving for them. Paying less per month eases pressure on budgets. The outcome does not necessarily present a real saving in the total amount of interest, however, and that should also be considered. Repayments can be reduced or increased by changing the loan amount, the interest rate, or more commonly varying the finance term. A longer caravan finance term results in less in repayments compared with the same finance amount paid off over a shorter term. Lender guidelines may apply when requesting longer caravan finance terms but your Jade consultant will be working hard to achieve your preference. ## Avoiding the Prospect of Extra RV Fees One aspect of purchasing a caravan that not all buyers will think about at the time of purchase is how long it will be before they decide to upgrade to a better RV. But taking a moment to consider this timing, especially in the context of an [RV loan](/rv-finance "Secure a loan for you RV purchase with us"), is also a potential saver. When consumer finance is paid out before the agreed end of the term, exit or payout fees can apply. While minimal, they are still a cost which can be avoided. Consider how long you will keep that particular van and request a finance term which is in line with your resale plans. A saving is a saving and considering these options when making your next caravan purchase with finance may mean real savings for you and more funds to spend while travelling. At all stages of the caravan finance process your Jade consultant will be assisting you to ensure you receive the cheapest caravan finance offer possible. **Contact Jade Caravan Finance on 1300 000 003 for ways to make real savings on caravan finance** *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.* **Categories:** Loan Tips --- ### [Caravan Loan offers are influenced by credit rating. How’s your profile?](https://www.jadecaravanfinance.com.au/blog/loan-tips/caravan-loan-offers-are-influenced-by-credit-rating-hows-your-profile) **Published:** July 3, 2022 **Author:** Publisher **Content:** How’s your profile? Not your selfie profile, you’re credit profile. Taking selfies during your caravan holidays and travels is par for the course. But there is a far more important ‘selfie’ that RV buyers seeking a [personal loan for caravan](/overview-of-personal-caravan-loans "Discover caravan financing solutions for individuals") should be taking – a ‘credit selfie’. Reviewing individual profile in regard to credit score and credit rating. Why? Because the credit rating of a caravan loan applicant plays an integral part of the loan application assessment and can impact the interest rate offered by the lender. In short, caravan loan applicants with a better credit profile are typically offered a better interest rate. When browsing rates currently advertised for a caravan loan by different lenders, there will usually be a condition noted which refers to the rate being applicable to applicants good credit profiles and for new caravans. The interest rate on a caravan loan is integral to the total cost of the loan and the monthly payments. Being offered a lower rate can represent a real savings in the total cost of what the caravan is actually costing you and in the repayments. Another issue which increases the significance of aiming for the lowest interest rate is the current interest rate scenario. In May 2022 the [RBA](https://www.rba.gov.au/ "Learn more about the Reserve Bank of Australia") made its first rate rise in over 12 years to tackle the surging rate of inflation. This was followed again in June with another quite significant rise. Further increases in the cash rate have been flagged by the RBA Board. These could come at any time over the course of 2022 when the RBA Board holds it monthly meetings. When the RBA moves, lenders follow. So facing an unavoidable situation of interest rates on the way up, caravan loan seekers need to see what is avoidable. What can be somewhat avoidable is being, being offered a higher interest rate because of a poor credit score. The process of addressing this situation can start with addressing the credit profile. ## Credit Profiles, Scores and Ratings There are several main terms connected with credit ratings – profile, history, scores and ratings. Scores and ratings are essentially the same. This is a number or a band range which is calculated based on a set formulation by credit reporting agencies. Poor or bad is zero and the best is 1,000 or 2,000 depending on the agency. A profile is the overall picture of the credit history of an individual and includes consideration of the credit score. For those with a lower score, seeking [bad credit caravan loans](/bad-credit "Explore financing options for caravans with less-than-perfect credit") might be a viable option. Included in the data that goes into calculating scores is the number of loans and the value of the loans that an individual has taken out; the amounts owing on debts, loans and credit cards; the payment history going back quite a few years for bills and loans; any defaults on loans; and a point that may surprise many, how many loan applications have been made or requests to increase the credit limit on a credit card. A credit profile is not something that needs to be set up by an individual. It is created by credit reporting agencies when credit is applied for. Banks, finance companies, utilities companies and other providers of credit submit information as relevant to these agencies who then add this to the individual’s profile. Negative entries such as poor paying history impact the score negatively. To lenders, this overall credit snapshot represents the risk rating of an individual. Lenders assess each caravan loan application in terms of the risk of the individual repaying the loan according to the finance terms or the risk of defaulting on the loan. The higher the risk is assessed then that can translate to a higher caravan loan interest rate being offered. So clearly, that is a situation to be avoided wherever and however possible. There are ways to avoid this risk and there are ways to fix and improve a credit score, which we will share. ## Accessing and Reviewing a Credit Profile Reviewing and acting on credit rating issues should ideally be carried out before new loan applications are made or on a regular basis to ensure no errors are listed. So if you are planning the purchase of a new caravan at some point down the track, start the process with a credit profile check. A good resource for information on how to access a copy and how to fix any errors is [Moneysmart](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Explore financial advice on MoneySmart"). While there are advertisements running offering services to access credit scores, individuals can access a copy themselves free of charge. Refer to Moneysmart for the options. Once the profile is obtained all the entries should be checked to ensure they do relate to you and they are accurate. There is a process to follow in order to correct any inaccuracies and repair any errors. ## Credit Scores and Calculating Caravan Loans The credit profile provides lenders with a certain level of information about an applicant. Additional information is also provided in the application around the assets and liabilities or personal balance sheet of the individual. This can impact the risk assessment and hence the interest rate offered. Reducing the level of debt prior to making a new application for a caravan loan may improve the overall profile. This includes paying down balances on credit cards. As we mentioned above, when a loan application is submitted, lenders will report this for inclusion on a credit report. Multiple applications made for the same loan can be viewed by lenders negatively. It can appear desperate. In many cases, the individual may genuinely be trying to source the cheapest caravan loan. The workaround for this is to engage the services of Jade Caravan Finance as your broker. When we canvass our multitude of lenders to source the cheapest interest rate loan for our customers, that process is not reported or reflected in the credit report. So we can not only save you money by accessing cheaper interest rate loans, we may be able to save a negative impact on your credit report. If you’re wondering exactly what the impact of a slightly higher interest rate on a caravan loan might look like, use our [Caravan Finance Calculator](/loan-calculator "Explore our caravan loan affordability calculator") to find out. Enter a purchase price and finance term vary the interest rate and see how that affects the repayments. Achieving the cheapest interest rate caravan loan offer is a priority for most caravan buyers. So take action and check your profile to improve your prospects. **Contact Jade Caravan Finance on 1300 000 003 for assistance in sourcing cheap interest rate caravan loans** *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.* **Categories:** Loan Tips --- ### [Reserve Bank Rate Increases – July and More Ahead](https://www.jadecaravanfinance.com.au/blog/loan-tips/reserve-bank-rate-increases-july-and-more-ahead) **Published:** July 10, 2022 **Author:** Publisher **Content:** July is the third month this year for a Reserve Bank rate increase with the Board acting at their 5 July meeting to hike the cash rate by another 0.5%. The cash rate has now increased from that record low of 0.1% that was in place as a stimulus measure for more than 20 months to 1.35%. For those considering a caravan purchase, [no deposit caravan finance](/no-deposit-caravan-finance "Maximise your affordability with no upfront cost caravan loans") options might become more appealing in light of these changes. Heeding the statements in the announcement, further Reserve Bank rate increases will be made by the Board. The decisions by the RBA to lift the cash rate are in response to the surging rate of inflation which the Australian economy is experiencing. A situation that consumers are experiencing with rising prices across many goods and services. Currently, inflation sits at 5.1% but the Reserve Bank is expecting that rate to increase further to possibly 7% during this year. While there have been increases in May, June and July, these moves by the RBA in changing monetary policy take time to take effect on inflation. Data on the CPI rates will be released in the coming weeks and these figures will provide the Reserve Bank with information when forming their August rate decision. Reserve Bank rate increases in the cash rate have an effect across banks and lenders including those operating in the leisure market offering caravan finance. Buyers considering purchasing a new RV with finance at some time down the track may benefit from understanding how the Reserve Bank decisions affect caravan finance interest rates and why these increases are occurring, The Reserve Bank announcements are made via an official statement by the Governor and provide the Board’s outlook and forecast for future rate increases. Important information which can act as a guide for caravan buyers as to the timing of their purchase and significantly, their loan application. ## 5 July 2022 Reserve Bank Statement The rationale behind the July rate increase is provided in the [statement issued by Governor Philip Lowe](https://www.rba.gov.au/media-releases/2022/mr-22-20.html "Discover the latest message from Governor Philip Lowe"). The full Board meeting minutes are released at a later date and can provide even more detailed information. The key points in this July statement include:- - Inflation in Australia is being impacted by global issues. - Global supply chain issues, many as a result of the COVID-19 pandemic which is persisting in many countries is a contributor to domestic inflation. - The ongoing war in Ukraine is seen as an impact on inflation in Australia. - The general and wider short supply and increasing demand situation globally is driving inflation. - Globally, inflation is surging and Australia’s rate is not as high as is being experienced in some other nations. Central banks are reacted by increasing their central rates. - Australian issues are also driving our inflation rate. - The labour market situation – tightness with shortages being experienced in many sectors, is seen as a driver. Unemployment has remained steady at the lowest rate in 50 years – 3.9%. - Labour shortages restrict businesses from achieving full production which then flows through to supply shortages that are unable to meet surging demand. - The 2022 floods have caused increased prices especially in agricultural sector. - The Reserve Bank forecast is that rate of inflation will start to decline in 2023 after peaking late in 2022. - Returning to the 2-3% range which has been the RBA’s target for inflation is expected in 2023. - The rate increases are seen as assisting the return of inflation rates to target. The Reserve Bank reiterated previous statements around the resilience being show by the economy and the lower rate of unemployment. The Board is continuing with these rate increases as part of the process of withdrawing what it considers was an ‘extraordinary’ level of support to the economy during the onset of the COVID crisis. This support is not seen as still required and the interest rate situation is being normalised. Governor Lowe says that additional increases will be needed. The exact amount of future increases and when these will be made, will be determined after consideration of the data available. Tuesday 2 August is the next key date to watch in regard to interest rate increases. This is when the Reserve Bank Board will meet. ## Industry Comments While we have to wait until 2 August for the next RBA decision as to how much, if at all, a rate increase will be, analysts, lenders and economists in the finance sector have been giving their opinions on what to expect. Some have been reported as expecting a 0.75% increase and others, a 0.25% increase. So opinion appears mixed. Governor Lowe has given somewhat of a strong indication that another increase could be the same as June and July which were 0.5%. But the Board will take guidance on the CPI figures and other data on how inflation is tracking. For RV buyers planning on applying for caravan finance, the comments and the Reserve Bank outlook can be taken as strong indications of further increases. An indication which points strongly to proceeding with that loan application before the next round of rises. If you’re looking for more assurance in your financing options, consider exploring [RV loans guaranteed](/rv-finance "Unlock exclusive deals on guaranteed RV financing") options to secure your purchase. Varying the interest rate when using our [Caravan Finance Calculator](/interest-rates "Get started with our caravan finance calculator") can provide an indication of how much the repayment estimate can vary with a 0.5% increase and assist buyers. Despite the rate increases, how team continue to source the cheapest rates from across our extensive range of lenders. **Contact Jade Caravan Finance on 1300 000 003 for caravan finance at the cheapest possible interest rates.** *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.* **Categories:** Loan Tips --- ### [Outcome for Caravan Loans when RBA Increases Rates](https://www.jadecaravanfinance.com.au/blog/loan-tips/outcome-for-caravan-loans-when-rba-increases-rates) **Published:** July 10, 2022 **Author:** Publisher **Content:** Interest rates have now been increased three times in the three past months as the [Reserve Bank](https://www.rba.gov.au/media-releases/2022/mr-22-20.html "Discover the latest updates from the central bank") acts to curb the surge in inflation. While the rationale is accepted monetary policy, for RV buyers planning to take on finance for that next purchase and those who already have caravan loans, RBA rate increases can be quite unsettling. The increases have been quite significant for the size – two at 0.5% but also for other reasons. Coming after the extended period of record lows where the RBA held the cash rate at 0.1%. And because the RBA had not actually called a rate rise for over 12 years. While that may put a different perspective on the current scenario, it does not change the fact that interest rates are in a cycle of rises. The major concern for RV buyers will be what will be the outcome for caravan loans and caravan finance interest rates? As specialists in leisure market finance, we provide clarity for buyers and loan holders with this explainer. ## Response from Lenders to RBA Increases The interest rate that is set by the Reserve Bank is the cash rate. This is not an interest rate for consumer or business finance, but the interest rate for overnight lending for banks. From that base, the banks and other lenders will establish the interest rates that they will offer on the portfolio of loans. When the RBA lifts rates, the lending market responds with their own individual decisions. The response to the recent increases has seen the Big 4 banks quickly pass the full rate increase onto their customers and other lenders have followed. Lenders will have their guidelines in regard to this issue and any rate rises they enact can also depend on the source of the funding. Lenders acquire their funding from many sources both in Australia and internationally. That is another reason why we see variations in interest rates across lending markets. To ensure we are always in a position to source the cheapest caravan loan interest rates, we have accreditation with a large selection of banks and non-bank lenders. ## Existing Caravan Loans The impact on current caravan loans resulting from an increase in the cash rate, depends on if the loan has a variable or a fixed rate. Most secured consumer loans will have a fixed interest rate that is fixed for the complete loan period. Caravan loans with a fixed rate should not be impacted by RBA increases. Variable rate caravan loans can be varied when there are changes in the cash rate. In the case of increases, this would mean an increase to the rate and the caravan loan repayment. Lenders typically contact their customers to advise of any changes to their loan in this respect. Our most popular loan for new and some used caravans is the [Secured Caravan Loan](/secured-caravan-finance "Unlock exclusive deals on secured caravan financing"). These feature a fixed interest which is fixed and remains unchanged over the full loan term. Where the caravan is not suitable as security against the loan, buyers may opt for the Unsecured Caravan Loan. This may be acquired with a fixed or a variable rate. ## Finance Quotes and Applications Being Processed RV buyers that have requested a quote through Jade Caravan Finance, your consultant will be sourcing the cheapest interest rate quote based on the rates at the time. Quotes that have been accepted and the application is currently undergoing final process should remain at the rate as offered in the quote. If a quote or application has been made to a lender other than Jade, the lender should be contacted to discuss if any amendments would apply in the light of the rate increase. ## New Caravan Finance Applicants We will be adjusting our rates based on the interest rates of our lenders. Those applying for new caravan loans will receive a quote which reflects the current and cheapest rate we can achieved. For those wondering about future increases, the RBA Board will next meet on August 2 and another rise is highly likely to be announced at that meeting. If possible, buyers are encouraged to get their purchase decisions made and loan application submitted prior to that date to avoid a higher rated loan. Using the Caravan Finance Calculator can assist in calculating the difference in loan repayment estimates at different interest rates. ## Tips for Receiving the Cheapest Loan Offer and Rates Securing a caravan loan offer which is still within your budget may still be achievable even as interest rates are in this current rising cycle. To find the [cheapest caravan loan interest rates](/interest-rates "Maximize your savings with the cheapest rate caravan loans"), consider these options in preference to having to defer that caravan purchase and your travel plans due to the higher interest rates. - Choose a caravan which has a lower price tag so the loan amount required is less and hence the repayments less. - Make a more substantial deposit on the RV which would reduce the amount of the loan. - Make sure your credit score is in the good range so our lenders will offer the cheapest possible interest rate. - Utilise the broker-style lender services of Jade Caravan Finance in sourcing the lowest interest rate loan from our vast lender choices. Your [Jade Caravan Loan](/ "Get the Best Caravan Loan Rates and Loan Structure with Jade") consultant will work with you to secure the cheapest rate and negotiate with our lenders to best structure the loan to meet your requirements. **Contact Jade Caravan Finance on 1300 000 003 for assistance in sourcing cheap interest rate caravan loans** *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.* **Categories:** Loan Tips --- ### [What to expect when using a Caravan Finance Calculator](https://www.jadecaravanfinance.com.au/blog/loan-tips/what-to-expect-when-using-a-caravan-finance-calculator) **Published:** July 17, 2022 **Author:** Publisher **Content:** As the technology has become available, finance calculators have emerged as a resource for those considering taking on finance and loans. These calculators are widely available on websites for banks, finance companies, broker-style lenders like ourselves, as well as dealers and manufacturers that offer finance to customers. While widely-available and easy-to-use, what can caravan buyers realistically expect when using a caravan finance calculator to assist with purchase decisions? More and more people are using online resources, apps, platforms and programs to make life easier and more efficient. But the use of online tools comes with cautions and general guidance around many aspects including cyber-safety. We encourage RV buyers to utilise our [Caravan Finance Calculator](/loan-calculator "Determine your caravan financing affordability with our tool") to help with a number of decisions around choice of make, model and in planning how they may like their RV loan structured. But in addition to encouraging use of this valuable resource, we urge users to consider the disclaimer around its limitations and use and seek a confirmed quote from our consultants. Users of any online tool, including caravan finance calculators should be fully across how they operate, how to understand the results displayed and appreciate the limitations to avoid any issues. Our Caravan Finance Calculator which we want people to utilise effectively and productively. To assist in getting the most from using the calculator we set out clearly what to expect and what to do next when using our calculator. ## Using Caravan Finance Calculator Effectively In using an online, generic device such as the calculator, users need to be crystal clean on what they can expect and preferably not make major purchase decisions based entirely on the results shown on such as device. We’re not questioning the validity of these tools. When used as designed and intended they can be very useful. Across the range available, most online finance calculators will have similar operational steps. But there can be differences. For example, some may ask for users to register their details. If a user feels uncomfortable with using an online calculator from a particular site, then don’t. Our Caravan Finance Calculator is available with no charge and can be easily used on devices with internet access. The basic steps are simple and the instructions quite clear. Simply type in the figures in the boxes or fields as indicated and click on the calculate button. The result shown is an estimated monthly finance repayment based on the figures entered. Change the figures for the price of a different RV to see the result for that vehicle. It can be a great way to cull the wish list when considering models across a wide price range. Effective and considered use of our caravan finance calculator can assist buyers in making decisions about deposits and down payments. A deposit can reduce the loan amount which in turn reduces the repayments over the same loan term. It also assists with decisions around whether or not to include accessories and options in the finance amount or to pay for them separately. ## Why does the calculator show an estimate and not an actual quote? The calculations displayed are estimates only. The reasons why are extremely important to understand and appreciate:- - Not all fees and charges which may apply to your particular loan are included. These vary across lenders and until the lender and loan type is selected, these would not be exactly known. - No allowance can be made for the individual specifics of the user’s credit profile. An assessment of the credit profile determines the interest rate offered and other conditions of the loan. - The credit profile also determines the loan amount which a lender will approve. The calculator user may put in the entire purchase price of the RV as the loan amount as they may be seeking no deposit finance. We offer no deposit caravan finance but this aspect of the loan still needs to be approved by our lenders. - The loan term preferred by the user may not be approved by the lender. - The RV being purchased needs to be accepted by the lender as security against the loan. While there is rarely issues with new vehicles, this still needs to be approved. For these reasons, the result calculated with general use of a caravan finance calculator are not quotes or loan offers and definitely not approvals for loans. Caravan finance is consumer finance which comes under the regulatory powers of [ASIC](https://asic.gov.au/ "Get insights from the Australian financial authority"). Laws are in place to protect consumers. Lenders must abide by these laws and that includes fully assessing each loan application and not making a loan deemed unsuitable. ## Post-calculator Action – Comparing Loan Rates After using the caravan finance calculator and seeing the result is in the ballpark, the next step is to contact us for a quote based specifically on your requirements. For those looking for the [lowest rate caravan finance](/interest-rates "Choose reliable caravan finance services with the best rates"), quotes can be requested before purchase decisions are made. This can be done on a pre-approved finance basis. We offer pre-approved finance for all our loans and this can be another great assistance for buyers. It can be safer and sensible to proceed to place an order based on a confirmed quote or a pre-approved loan rather than based only on what a calculator reveals. Our Caravan Finance Calculator is a great device and when used effectively, can greatly assist caravan buyers with many decisions. But a firm quote should be sought for a confirmed loan offer. **Contact Jade Caravan Finance on 1300 000 003 for a quote on caravan finance.** *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.* **Categories:** Loan Tips --- ### [Latest caravan industry report may assist buyers re timing RV purchases with caravan finance](https://www.jadecaravanfinance.com.au/blog/loan-tips/latest-caravan-industry-report-may-assist-buyers-re-timing-rv-purchases-with-caravan-finance) **Published:** July 17, 2022 **Author:** Publisher **Content:** The onset of the pandemic in 2020 and resultant international travel restrictions and border closures saw an influx of new buyers to the caravan and RV sector. Buying a caravan was seen as a great alternative when interstate and international travel was unavailable. It was also seen by some buyers as a safer way to holiday compared with hotels etc. Being able to stay with fewer people presented a lessened risk of catching COVID. As the [RBA](https://www.rba.gov.au/ "Explore Australia's central bank, the RBA") slashed rates during this period caravan finance became more affordable and added to the attraction. But the downside of this increased demand combined with lockdowns for the caravan manufacturers and global supply chain issues, led to a supply shortage. As most caravans in Australia are built to order, some buyers were reportedly waiting extremely long periods to take delivery as manufacturers struggled to keep up. This scenario also sparked interest in [caravans for sale on finance](/ "Buy a caravan on finance from our selection") as buyers sought various ways to secure their desired models. Come mid-2022 what’s the situation looking like? Is this the right time for RV buyers to make that purchase? Will stock be available? What’s the outlook? After a long period of record low interest rates, lending rates are now creeping back to normal levels. Buyers will be keen to make purchases with finance before further rate rises are announced. The Caravan Industry Association Aust has released its latest report on the sector which may assist buyers time RV purchases ahead of caravan finance rate rises. ## Caravan Association: State of the Industry Report The [State of the Industry Report](https://www.caravanindustry.com.au/caravan-industry-continues-to-weather-covid-storm-with-record-activity "Read the comprehensive State of the Industry analysis") from the Caravan Industry Association of Australia states that 2021 was a period of record highs in many sectors across the RV industry. The industry continued to thrive, despite the challenges presented across the economy, The Association’s CEO, Stuart Lamont, said that the caravan and camping sector rebounded in 2021 from the issues of 2020 while many areas of the tourism sector remained constrained. He said that not only was there an increase in the tourism aspect of the industry but RV sales were also at record levels. The report reveals supply to market (sales) was up 14% on the record levels which were previously reported way back in the ‘70s and 12% up on 2019 figures. 55% of the total RVs supplied in 2021 were made in Australia. 12.6 million trips were recorded with 50.6 million nights. 47% of the trips were by those in the 30-54 year age group. The report acknowledges the role that caravans played through 2021 beyond the holiday and travel market. These include providing accommodation for farm workers to protect from COVID-19, providing temporary housing during the floods and the motorhomes used as medical units to remote communities. Mr Lamont said that the dream remained alive for those seeking a holiday and travel experience which was affordable and safe. He said that the Association remained optimistic looking forward, despite the obvious challenges. The reports says the conditions for the industry remain complex. These are emanating from impacts on workforce due to the ongoing COVID situation and the effect that has on output. Global supply chain issues and the tightening economic conditions are also seen as challenges for the RV manufacturing sector. Despite all this, the Association remains very optimistic for the industry in 2022 and into the future. Buyers may be motivated by this optimism to proceed to start surveying the market to see which manufacturers have stock and are back on track with production schedules and delivery timelines. Getting along to one of the upcoming caravan shows in your area, such as the Let’s Go Show at Adelaide from 27-31 July or on the Sunshine Coast from 19-21 August offers the opportunity to speak with many manufacturers in the one place. Attending a caravan show or any dealership for that matter, with pre-approved caravan finance can hasten the overall ordering and delivery timeframe. We offer pre-approved finance on all our loans with the Secured Caravan Loan the most popular loan for new RV buyers. ## Outlook for Calculating Caravan Loan Rates With the outlook for the caravan manufacturing sector appearing optimistic, those considering caravan finance for their purchase will also be interested in what’s happening with [caravan finance rates](/interest-rates "Your source for affordable caravan financing rates"). The RBA has started its normalising of rates and withdrawing the pandemic support provided by way of a record low cash rate. The rate hikes by the RBA have resulted in rate rises across lending markets including RV finance. The RBA has strongly indicated that further rate rises are ahead, possibly in August. By engaging Jade Caravan Finance to source your loan, you can be assured we will be seeking the cheapest rate loan from across our vast selection of lenders. For a clear understanding of potential repayments, you can use our [caravan loan repayment calculator](/loan-calculator "Get started with our caravan loan payment calculator"). The same rate would apply for pre-approved and post-purchase finance. **Contact Jade Caravan Finance on 1300 000 003 to discuss cheap caravan finance.** *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.* **Categories:** Loan Tips --- ### [Why fixed interest rate caravan finance is preferable in rising rate market](https://www.jadecaravanfinance.com.au/blog/loan-tips/why-fixed-interest-rate-caravan-finance-is-preferable-in-rising-rate-market) **Published:** July 25, 2022 **Author:** Publisher **Content:** The [RBA](https://www.rba.gov.au/ "Navigate the official Reserve Bank's website.") has lifted rates over the past few months after holding the cash rate steady for around 20 months at record lows. This changed situation has interest rates very much in the news at the moment and no doubt top of mind for anyone considering taking on finance and for many with existing loans. For those considering an RV purchase the priority may be on whether it is better to obtain fixed interest rate caravan finance or a variable rate loan. The doubt around the fixed or variable decision may be based on the unknowns in regard to what will happen with interest rates moving forward. Much of the discussion when rate rises or cuts are announced centres on the home mortgage market. This is the largest lending sector and there are numerous options for mortgage holders in regard to rates. But the caravan finance sector differs markedly from the home mortgage market in regard to interest rates and loans. Home loans extend over a longer period and as such, fixed rates are usually only available for a few years not the entire loan term. Mortgages often combine fixed and variable rates. Caravan loans have much shorter loan terms and depending on the lender, can be obtained at a fixed or a variable rate. To assist buyers make decisions around their caravan finance, we provide this explainer on the current interest rate situation, caravan loan options and most importantly why a fixed interest rate could be preferable at this time. ## Comparing Fixed Rate with Variable Rate Finance With a caravan loan with a fixed interest rate, the [caravan loan interest rate](/interest-rates "Get the lowest interest rates on caravan financing") is fixed for the full term of the finance. It will remain unchanged regardless of RBA rises and changes to rates by the lender. With a fixed rate and fixed loan term, the monthly loan repayments are also fixed. So the entire loan remains the same until the payments are finalised. With a variable rate loan, the interest rate is subject to changes by the lender. This means when the RBA raises the cash rate and lenders respond with changes to their rates, the rate on the loan can be increased. An increase in the rate would then result in an increase in the monthly repayments. When rates are in a downward cycle, a variable rate loan may be an attractive option as there is potential for the rate to be reduced. But when rates are in an upward cycle the opposite occurs. As interest rates are rising, securing fixed interest rate caravan finance can provide confidence for buyers that their repayments will remain unchanged. We arrange our [Secured Caravan Loan](/secured-caravan-finance "Start your secured caravan finance journey with us") at a fixed rate with fixed term to provide our customers with the peace of mind that their loan won’t change with general rate changes. ## Caravan Loan Types and Rates Differences in the type of interest rate, fixed or variable, can apply to different types of loans and loans from different lenders. The types of loans available for caravan purchases will vary across banks and finance companies. Some will offer a more general personal loan for this type of purchase, while others might provide the [best caravan loan rates](/interest-rates "Click here to secure the top caravan loan interest deals"). We offer a specific Secured Caravan Loan. With these loan type variations there are also rate type variations. Some fixed and some variable. Refer to our Compare Finance Rates to see what loan and rate types are available from a range of lenders. We offer a Secured Caravan Loan and an Unsecured Personal Loan. Our secured loans feature a fixed interest rate while unsecured loans may have a fixed or a variable rate. Which of these loan types – secured or unsecured, is best suited to individual purposes can be a personal decision or it may be based on the vehicle being purchased. Primarily that revolves around new versus used. With a secured loan, the caravan is used as the security against the loan. The lender needs to accept the vehicle as suitable security. With new caravans that is usually the case. However, with used caravans, the age and condition will be assessed by the lender when deciding on accepting the vehicle as security or not. If not accepted, the Unsecured Personal Loan can be considered. Regardless of the loan and the rate type, the actual interest rate offered by a lender will be based very much on the credit profile of the applicant and their creditworthiness. This includes an assessment of financial status and other inclusions in the application. The rates advertised by lenders, unless otherwise noted, will be for applicants with a good credit score. ## Current Interest Rate Scenario By securing a fixed interest rate caravan loan, buyers are essentially protected against rate rises over the loan term. So what looks like happening with interest rates in general? They are on the rise. The RBA has lifted the cash rate at its past three board meetings and it is fairly definite that another rise will be made in August. The RBA’s actions are to curb surging inflation and the Board’s decisions take into account the data around inflation and unemployment. The latest employment figures for the June period were released recently by the ABS and the significant 0.4% to 3.5% is seen as adding pressure on the RBA for a larger rate hike in August. Additional rises may also be announced in the following months. The [ANZ](https://www.anz.com.au/personal/ "Stay informed about banking services with ANZ") has forecast up to 2% in rate hikes before the end of this year. So taking all that in, it can be logically concluded that securing fixed interest rate caravan finance at this time and before any more rate rises would be preferable. **Contact Jade Caravan Finance on 1300 000 003 for a quote on fixed interest rate caravan finance.** *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.* **Categories:** Loan Tips --- ### [Ways to Safeguard Caravan Loans from increasing interest rates](https://www.jadecaravanfinance.com.au/blog/loan-tips/ways-to-safeguard-caravan-loans-from-increasing-interest-rates) **Published:** August 4, 2022 **Author:** Publisher **Content:** It’s no secret that interest rates across many lending markets are currently in an upward cycle. Following the record low interest rates during the pandemic years, the RBA is currently addressing soaring inflation and record unemployment rates by increasing the cash rates. While the object is to curb spending and bring down prices, the effect is seeing increases to lending rates including for caravan loans. With the cash rate hiked to 1.35% from that historic 0.1% in just a few months and further rises a definite in coming months, the focus for caravan buyers requiring finance is squarely on rates. Both for those that already have caravan finance and for those that are planning to apply to make that purchase. While seeking the cheapest rate is a major focus, another key consideration is how to protect the loan from the impacts of future rates during the finance term. **We look at ways that existing loan holders and intending applicants can consider to safeguard caravan loans from impending rate rises.** These suggestions and strategies cover a number of possible scenarios including sourcing cheaper rates during a rate rise cycle, the effect on pre-approved caravan loans and any possible outcome for those with current loans. ## Impending Rises for Interest Rates With the [RBA Board](https://www.rba.gov.au "Access updates and decisions made by the RBA's governing body") set to meet this week for their August decision on the cash rate, the data and forecasts all point to a significant hike. The [ABS](https://www.abs.gov.au "Explore data from the ABS") recently reported the June quarter economic data which sees inflation reaching a 20 year high of 6.1% and unemployment at a 40 year low. Both key data sets that the RBA Board considers in making its rate decisions. As Governor Lowe highlighted in Board statements earlier in the year, increases in the cash rate and the flow on through the lending sector will take some time to record an effect on inflationary prices. While inflation rose less in the June than the March quarter, this is not seen as an indication that further rate rises are not required. It is broadly expected that the August decision will be another 0.5% cash rate rise. ## Current Caravan Holders should Secure Loans Those with current caravan finance may be impacted by rate rises in the market. That will depend on whether the finance was arranged with a variable or a fixed interest rate. We arrange our [Secured Caravan Finance](/secured-caravan-finance "Learn about securing a loan for your caravan purchase") with a fixed interest rate. This is an assurance for our customers that the rate achieved when the loan was organised, will remain current over the full term of the finance. But that is not the situation with all lenders in the caravan finance market. Referring to our [caravan loan interest rates](/interest-rates "Get the lowest interest rates on caravan financing") table, it shows that some lenders offer a Variable Interest Rate Personal Loan to finance new caravans. Variable rates in general terms are subject to change in line with changes to those specific loan rates by that lender. Lender change their rates according to their own guidelines and corporate policies. Those with this type of finance may be contacted by their lender and advised that their rate will be rising. This will result in higher repayments. For those with variable rate loans, refinancing at a fixed interest rate through Jade Caravan Finance may be an option worth considering. Contact us for a no obligation discussion of the options available to suit your individual requirements. ## Pre-approved Caravan Finance Rushing to get a pre-approved caravan loan before a rate rise may appear a sensible way to go. But there are a few points to keep in mind. First, pre-approved caravan finance offers are only valid for a certain time period. If not acted on and proceeded with during that period, the offer expires. If re-requested after expiration, the loan offer would be priced based on the rates current at that new time. Secondly, we are seeing examples of lender raising rates prior to RBA cash rate decisions. Banks and non-bank lenders have teams of economists forecasting the rate market and many are moving to raise rates in certain lending areas ahead of official rate rises. The timing of lender rate rises can also be determined by the markets – overseas or in Australia, where they source their funding. So a pre-approved loan may be priced at a rate in line with that lender’s future expectations on the market. ## Safeguarding New Caravan Loans While current data indicate further rate rises are ahead, there are a few ways that those seeking new caravan loans and refinancing can safeguard their loan from changes. First and most importantly is to obtain the cheapest interest rate and a fixed interest rate. As noted above, we arrange our most popular Secured Caravan Finance at a fixed rate. This rate remains the same, unaffected by future rate rises, through the entire term of the finance. Opting for a variable rate loan may mean the loan is susceptible to changes as rates rise. Better, cheaper interest rates will always be our main focus. We have accreditations with many banks and non-bank lenders and the industry insight to know who is offering the best rates at any specific moment in time. So working through a broker-style lender such as ourselves, can result in a cheaper rate caravan loan being achieved. New loan applicants should also be aware that lenders, including Jade, advertise their lowest rate which is based on finance for new caravans and for buyers with good credit ratings. Interest rates for [finance second hand caravan](/ "Start your journey to owning a used caravan with us") on second-hand RVs and for applicants with a less than good credit profile may attract a higher rate. So keep that credit profile in good order to ensure the cheapest offer is made. **Contact Jade Caravan Finance on 1300 000 003 for a quote on fixed interest rate caravan finance or refinancing.** *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.* **Categories:** Loan Tips --- ### [Effect on Caravan Finance Rates from Inflation Rate Rise](https://www.jadecaravanfinance.com.au/blog/loan-tips/effect-on-caravan-finance-rates-from-inflation-rate-rise) **Published:** August 4, 2022 **Author:** Publisher **Content:** Planning the purchase of a new caravan for travel or holidays doesn’t usually include a study of the current economic conditions and latest inflation and employment figures. But when caravan finance is required to make that purchase, caravan finance rates and the impacts on those rates need to be in the decision-making mix. Economic data for employment and inflation are two of the main sets of data that the RBA considers when the Board is making its monthly decisions around cash rate rises. In the past week we posted an article on the latest unemployment figures and the potential impact of those figures on the RBA’s August rate decision. For those seeking to understand how these changes might affect [finance caravans near me](/ "Start your journey to caravan ownership with nearby financing"), it’s essential to stay updated on these economic indicators. This week, we have the latest inflation figures from the Australian Bureau of Statistics (ABS) to add into the mix. The ABS reports that inflation has hit 6.1% for the June quarter and that rate is expected to go higher, possibly close to 8% before the end of this year. For those planning to take on finance for a new caravan, soaring inflation figures are unfortunately not the greatest news. **Interest rates including caravan finance rates can be impacted by rising inflation as the RBA increases the cash rate to curb the upward trend.** Having even a basic understanding of how economic conditions and interest rates are entwined, may assist caravan buyers to time their purchase and their finance application to ensure they secure the cheapest rated loan. ## Australian Bureau of Statistics June Quarter Inflation Report The ABS is the government body which collects, collates and reports on economic data including employment and inflation. On July 27 the ABS released the inflation data for the 3 month period ending 30 June. The data shows an increase in consumer price index inflation rate of 1.8% over the period. While this figure is less than the March quarter increase of 2.1% it was the just the second largest quarterly increase in around two decades. Soaring inflation is being felt across the globe for some of the same reasons as we in Australia are experiencing. But there are also local issues which are contributing to rising food prices in particular. Major points to note in the statement by the ABS include:- - Rising global inflation as a result of the post-COVID era with easing of restrictions and increased demand while supply is constrained. - The global oil price shock stemming largely from the war in Ukraine is contributing to global inflation together with ongoing issues with supply chains. - 1% CPI inflation in Australia and 4.9% when the ABS excludes the large decreases and increases – a normal process in calculating and releasing inflation figures. - ABS reports that 6.1% is the highest rate of inflation in Australia since 2003. - Two major drivers are the price of fuel and construction costs in the housing sector. - Increases in goods prices accounted for 79% of the inflation increase. Prices for services, as differentiated from goods, recorded lower price rises. - Soaring prices for goods are being fuelled by the rising costs of freight and transportation and supply constraints. Supply is being impacted by ongoing COVID issues and tightness in the labour market. (Refer the article on employment figures.) - The fallout from the floods primarily on the east coast in the early part of 2022 is impacting supply and prices for many food items. When hearing the latest ABS inflation report, Federal Treasurer Jim Chalmers said the figures were not surprising but confronting. In a [media release](https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/new-data-confirms-inflation-high-and-rising), Mr Chalmers said inflation would get worse before getting better. The Treasurer is due to issue a Budget addressing these issues in October. ## The Interest Rate – Inflation Connection As mentioned in recent Board statements, soaring inflation is given as essentially the key reason for the [RBA](https://www.rba.gov.au) rises in the cash rate. Both the release of these inflation figures and the unemployment data come just weeks from the RBA Board’s next meeting on the cash rate. Interest rates are increased by the RBA to essentially curb spending and as such stabilise and bring down inflationary price trends. After the Board’s early July meeting, Governor Lowe specifically mentioned the bank would be considering the upcoming data in deciding the scale and timing of further rate rises. The 40 year low unemployment figures and now the 20 year high inflation figures can be a certain that further rises in the cash rate will be announced in August and possibly several further months this year. Exactly how much the rise will be is unknown. But leading economists are leaning towards a 0.5% rise in August. One of the Big 4, the ANZ, has come out last month with a forecast for up to a 2% increase in the cash rate in the coming months. ## Effect on Caravan Finance Rates The cash rate is a major influence on lending interest rates across all market sectors. The banks and non-bank lenders have the cash rate (a bank to bank lending rate) as their base and then set their own rates accordingly. Some lenders have not been waiting for RBA decisions, but increasing rates in some of the lending markets ahead of the RBA Board meetings. In regard to caravan finance rates, as is seen from our Comparing Finance Rates chart interest rates vary significantly across the lender market. [Click here for the best rate caravan finance](/interest-rates "Get the lowest RV financing interest rates") to ensure you get the most competitive deal available. It would be expected that based on the latest inflation and employment figures, the RBA will increase the cash rate a number of times in coming months. This would typically result in many of our lenders increasing their rates. ### Options for Secure Caravan Financing Securing caravan finance prior to one or any of these cash rate rises may result in achieving a cheaper interest rate loan. So move as quickly as possible with your [Secured Caravan Loan](/secured-caravan-finance "Find out more about caravan loans with collateral") application by contacting us for a quick quote and fast loan approval. With our extensive lender accreditations, we remain in an ideal position to secure better fixed interest rate caravan loans from a wider choice of lenders. **Contact Jade Caravan Finance on 1300 000 003 to quickly secure your caravan finance prior to further rate rises.** *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.* **Categories:** Loan Tips --- ### [Get approved for a RV loan to order at Melbourne Caravan Show](https://www.jadecaravanfinance.com.au/blog/loan-tips/get-approved-for-a-rv-loan-to-order-at-melbourne-caravan-show) **Published:** January 23, 2023 **Author:** Publisher **Content:** The exhibitor listing for the upcoming Melbourne Caravan Show has now been released. So it’s time to get planning and most importantly, get approved for a RV loan to be ready to order at the event. The list of which manufacturers will be exhibiting reads like the who’s who of the Australian caravan and RV market. Great brands such as Jayco, Millard, Horizon and Ezytrail, just some of the big names that visitors will have a chance to engage with over the 5 big show days. The Victorian Caravan, [Camping and Touring Supershow](https://caravanshow.com.au/ "Get details on the Camping and Touring Supershow") is the first big show for 2023 and is sure to be a popular start to the caravan show calendar for the year. The Supershow, to be held at Melbourne Showgrounds, will open on Wednesday 22 February and conclude on Sunday 26 February. Opening hours are 9.30am-5pm Wednesday, Thursday and Sunday and 9.30am-6pm on the Friday and Saturday. Tickets need to be purchased online at the show website. Adults are $26, Concession car holders $21 and children aged 15 and below are free when accompanied by a paying adult. The location is great for train and tram access. For those coming by car, parking is available $20, at Flemington Racecourse with courtesy bus transport to the show site. Now only a month to go, so for those that are genuinely interested in buying a new caravan at the show, now is the time to get serious with the planning. Especially the caravan finance. ## RV Loan Options and Rates Caravan buyers looking to get approved for a RV loan to order at the Melbourne Caravan Show can contact Jade Caravan Finance for cheap rates and quick approvals. We offer [low rate caravan loans](/interest-rates "Choose reliable caravan loan services with low rates") for all types of caravans, RVs, campers and motorhomes. If still tossing up between a camper and a caravan, a totally off-road model or semi-off road, or between a motorhome and a caravan, the decision is not critical to getting the loan application underway. Our Secured Caravan Loan is the most popular form of finance for types of new caravans. The secured format offers most customers the benefit of not having to provide additional security beyond the RV itself. The caravan being purchased forms the finance security. The interest rate is critical to the overall cost of the finance. That in turn determines the affordability of a particular model. Interest rates vary across the leisure and RV finance market. Comparing caravan loan interest rates can be time-consuming when undertaking by buyers. Time which may mean missing out on having the loan approved before the Melbourne Show. We solve that issue by covering off on many lenders in order to secure customers the cheapest rates that suit their particular requirements and application details. Saving time and still ensuring the cheapest RV loan is achieved. Buyers can contribute to the speed of loan application approval by having the information and documents required for the application ready. RV finance is consumer finance and that means lenders must follow the Consumer Finance Laws and Responsible Lender Guidelines as regulated through [ASIC](https://www.asic.gov.au "Get insights from the Australian financial authority"). That means requesting a range of information to complete the application. RV loans can be applied for and approved before the purchase decision. Buyers can be equipped with their finance approval on arrival at the Melbourne Caravan Show. Placing them in an ideal position to place an order and take advantage of show day special deals. ## Show Planning for Caravan Buyers Get approved for an RV loan will likely top the ‘to do’ list for buyers planning to attend the Melbourne Caravan Show. Once that is sorted, there are other pre-show tips which can enhance the show experience. - Purchase tickets online early to avoid any possible sell-outs. - Plan transport to avoid wasting time on the day. - [Check the exhibitor list](https://www.caravanshow.com.au/shows/the-2023-melbourne-caravan-camping-leisurefest/exhibitors/) prior to arrival along with the site map - Mark those caravan manufacturers that you especially want to visit. - Refer to the manufacturer’s website to see the details of their latest models and check out the features. Going through this process in the quiet and calm of home may allow for greater concentration and attention than taking it all in at the bustling environment of the caravan show. - The brand website may have details of any models which will be launched at the show. - Note specific questions to put to the representative on show day. - Not the list of accessories, options and extra packs. You can use our Finance Calculator to see how much the cost of these may increase the caravan loan repayments. - Where possible, contact brands before the day to set up a specific appointment at the show to view the models of choice. ### RV Loan Taking steps to get approved for an [RV loan](/rv-finance "Secure recreational vehicle financing") before attending a caravan show can be extremely advantageous. It may even represent an opportunity to be first-in for any vehicles which are available ‘for immediate delivery’. **Contact Jade Caravan Finance to get approved for an RV loan before the Melbourne Caravan Show** *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.* **Categories:** Loan Tips --- ### [Cheaper caravan finance interest rate - Credit Score](https://www.jadecaravanfinance.com.au/blog/loan-tips/cheaper-caravan-finance-interest-rate-credit-score) **Published:** January 30, 2023 **Author:** Publisher **Content:** How long has it been since you checked your credit score? Do you know what your credit rating is? While a lot of people will check their credit profile each year, others may not even be aware of how these important personal financial details are collated or stored. A personal credit score or rating can be incredibly important when it comes to applying to [finance a caravan](/ "Your source for motorhome financing") or for new credit and loans. The planning to buy a caravan with finance should include a credit score check to ensure a good rating to attract a cheaper caravan finance interest rate offer. RV finance applicants that have a better credit rating typically attract a better interest rate as the rating is reviewed in relation to creditworthiness by lenders. The references to credit rating, credit profile, credit report and credit score are separate items but are often mentioned when referring to an individual’s creditworthiness. The overall credit profile or report contain the score, the credit rating band amongst other information. The credit score is a number which is calculated based on reports on the individual’s credit and loan activity. The range is between 0 and up to 1,000 or 1,200. The credit rating is where that score sits in what’s known as the band. The band range starts at bad or poor and goes up through different levels to good and excellent. Knowing what is already on your credit report and what your credit score is, can be a great place to start to ensure it is as good as possible before applying for a caravan loan. ## Credit Report Inclusions The specific credit score is calculated with a formula and based on details as submitted to Credit Reporting Agencies from credit providers. The score then determines the rating. Both these and other details form the actual credit report. The report or credit profile includes:- - Personal information about the individual. - Credit rating and with some reporting agencies also the credit score that determined the rating. - The loans the products relating to credit such as credit cards that the individual has had over the last two years. - Repayment history for loans and credit accounts. - Credit defaults for loans, bills such as power, phone etc and credit cards. - Information on the applications made for loans, credit cards and other credit accounts and products. - Debt agreements and [bankruptcy](https://www.afsa.gov.au/i-cant-pay-my-debts/bankruptcy/what-bankruptcy#:~:text=Bankruptcy%20is%20a%20legal%20process,and%20submit%20a%20Bankruptcy%20Form. "Click here to learn more about financial insolvency"). - Credit report requests from credit providers – lenders and other credit providers request a credit report as part of the loan application assessment process. ## Credit Score Check Procedure In order to check a personal credit score, individuals will need to obtain a copy of their credit report. While there are many advertisements offering to provide credit reports for a fee, note that you can do this for free. Each 3 months, individuals can receive a free copy of the report. These are available via Credit Reporting Agencies. The process on how to obtain your report can be found at [Moneysmart](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports "Learn about smart money decisions"). Once a copy has been obtained, the information can be checked for accuracy and if errors or issues are included, the process for fixing these, or credit repair, can be followed. Credit scores and ratings may be improved by reducing debts and by making sure bills are paid on time so as not to attract poor ratings from defaults and slow payment. ## Importance of Credit Score to Caravan Finance Rates The credit score itself is very important when applying for new loans including for caravan finance. A good credit score can indicate a good level of creditworthiness to lenders. The overall information contained in the credit profile also provides a good overview of the individual’s ability to repay the loan and not default. Good credit scores mean better prospects for achieving cheaper caravan finance interest rates. Yes, at Jade Caravan Finance we do offer better rates and we work hard to achieve the [cheapest caravan financing interest rates](/interest-rates "Explore budget friendly financing options for caravans"). But the credit score of our customer is taken into account by our lenders when assessing applications and preparing loan offers. Another important issue associated with credit reports in relation to caravan finance interest rates is loan applications. Every time a person applies for finance, the application, whether proceeded with or not, is reported for inclusion on the credit report. ## Calculating Caravan Loan Repayments Multiple finance applications can be seen in a negative way by lenders. So efforts to achieve a better loan by making loads of applications can actually have the reverse effect and detract from any offer made. By engaging our services and utilizing tools such as the [caravan loan calculator with balloon payment](/loan-calculator "Caravan financing made easy with our balloon payment calculator"), this does not happen. Requests for loan offers made by brokers on behalf of customers in order to source the cheapest offer, are not recorded on credit profiles. We can cover off on our many lenders to source the cheapest rate and best offer to save you time and any potential issues with a credit score from sourcing multiple quotes. With the caravan shows already underway and plenty of opportunities to see the latest RVs, why not do a credit score check now in readiness to apply for caravan finance. **To apply for caravan finance 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.* **Categories:** Loan Tips --- ### [Find a caravan and we’ll sort the caravan finance in time for Easter holiday season](https://www.jadecaravanfinance.com.au/blog/loan-tips/find-a-caravan-and-well-sort-the-caravan-finance-in-time-for-easter-holiday-season) **Published:** March 20, 2023 **Author:** Publisher **Content:** Easter is just around the corner, La Nina is at bay, and you’ve decided on a caravan getaway. The problem is, you don’t own an RV, or your current vehicle needs an upgrade. Don’t panic. Focus on finding the caravan, and we’ll sort the low caravan loan for an Easter or school holiday getaway. For last-minute caravan buyers, Jade Caravan Finance can quickly source fast approvals on affordable caravan finance. You find the RV, and we’ll find the funds for you to make the purchase efficiently. Here’s the information you need for fast finance approval to ensure you secure your RV in time for your scheduled holiday, whether it’s the Easter break, school holidays, or enjoying the great autumn weather. ## Getting Fast Caravan Finance Approval We operate differently from banks and lenders. As a broker-style lender, we work in your best interests, focusing on securing you the most affordable loan offer to suit your requirements. Buyers who source their own finance can encounter numerous challenges. Challenges include the significant amount of time it takes to contact lenders, going through the process of getting a loan offer to compare, and meeting strict guidelines set by many lenders. This can result in limited bargaining power, no negotiating, and confusion when comparing offers. We cut through all that, as we have accreditations with all major lenders. We use our expertise and industry-level access to quickly match customer profiles and requirements with the right lender. And, we have the bargaining power due to our reputation and the volume of business we handle. Our streamlined operating model enables our consultants to act quickly, providing fast quotes and application approvals. As a licensed credit provider, we abide by [ASIC-regulated](https://www.asic.gov.au/ " ASIC Home | ASIC") consumer finance laws. Our customers can trust us to handle their caravan finance. We don’t charge a premium for last-minute loans or fast approvals. Applications can take as little as 24 hours to be approved. So, find the caravan, and we’ll find the finance so you can start your holiday as soon as possible. ## Finance Options for New Secured Caravans and RVs To avoid delays, buyers should know that the same loan products are available for all new RVs, including traditional caravan models, camper trailers, mobile homes, campervans, toy haulers, off-road models, hybrids, and others. The [Secured Caravan Loan](/secured-caravan-finance "Secured Caravan Finance - Low Rate Caravan Loans | JADE") will suit most buyers of new model recreational vehicles. This standard secured loan format varies in features and conditions depending on the bank or finance company. Interest rates vary across the caravan finance market, both in type and amount. Some lenders may offer a variable interest rate, while others, including Jade, offer a fixed rate. We ensure each customer achieves the most affordable fixed-rate loan for worry-free travel. With a fixed rate, the rate and repayments won’t change when the [Reserve Bank](https://www.rba.gov.au/ "Reserve Bank of Australia") changes interest rates. ## Caravan Finance for Unsecured Second-Hand RVs While a new RV may be desirable, a used model may be more realistic. Many new models are built to order, so if you’re in a hurry, the used market may be the way to go. However, exercise caution when buying privately or online. We assist by handling security issues like PPSR checks, registration and ID checks, and other verifications. The age and condition of the RV will determine the most suitable loan type. We will need the RV details when the finance quote request is made. If a vehicle isn’t considered suitable security, we offer customers the option of an [Unsecured Personal Loan](/unsecured-personal-loans "Unsecured Personal Loans | Jade Caravan Finance"). This is a flexible and versatile option, and we make the same effort to source the most affordable interest rates as we do with secured loan options. ## Caravan Travel and Holiday Tips The weather outlook in most states is looking good for autumn. The [Bureau of Meteorology](https://www.bom.gov.au/ "Stay informed about weather patterns with the meteorological authority") has declared an end to La Nina and predicted drier conditions ahead. El Nino may start to develop later in the year, but for now, the climate driver is in a neutral phase. Always check local conditions ahead of travel. Areas of Western Australia and the Northern Territory have experienced serious floods recently, while parts of western New South Wales have faced severe fires. Make bookings for holiday parks well in advance, as they can be extremely popular. Purchasing an off-grid model can allow for staying at free campsites and more remote areas. That’s the basics of how to get fast approval on caravan finance to make a quick purchase and head off on holidays. Call us and speak with one of our consultants today, and we’ll get the process underway. **Contact Jade Caravan Finance for fast caravan finance approval for upcoming holiday plans.** *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.* **Categories:** Loan Tips --- ### [Are interest rates on caravan loans set to rise?](https://www.jadecaravanfinance.com.au/blog/loan-tips/are-interest-rates-on-caravan-loans-set-to-rise) **Published:** April 10, 2021 **Author:** Publisher **Content:** As lenders with interests in many sectors especially in the ‘in-demand leisure vehicle market, at [Jade Caravan Finance](/ "Discover quality caravan financing with Jade Caravan Finance") our team stays across both what the financial markets are doing. We also keep a close eye or ear on what is being discussed in the media around lending, finance and especially interest ra’tes. Whether it is opinion or government policy, what is being talked about by commentators and journalists can influence buyer decisions. So our interest is two-fold – so can both stay ahead of any movement and trends and so we can keep our customers abreast with current and timely information. Recently there has been some ‘conjecture’ in some circles from some commentators about possible rises in interest rates. That we consider a very significant matter to clarify and to explain to allay any apprehension that our customers may have around their caravan loan. Both existing loans and potential finance may be considering caravan finance, camper or [motor home finance](/motorhome-loans "Hit the Road with Motorhome Finance Solutions"). The ‘conjecture’ we’re referring to is related to the media coverage on the surge in home prices in some areas which is seen to be driven very much by current low-interest rates. That’s the bricks and mortar style homes, not your mobile caravan homes. Some economic commentators have written pieces in the media that suggest that the Reserve Bank of Australia (RBA), in their opinion, should, will need to or even might increase the official cash rate to arrest this price surge. The talk is around an increase in interest rate would dampen demand and as such slow or halt this price surge. Interest rates across all areas of lending are at historic low rates. If you have a home mortgage you are probably well aware of that. So what does this all mean and will it flow onto rises in the interest rates on other loans such as caravan loans? If you’re considering buying a caravan in the near future, you could well be wondering what will happen with interest rates in the coming period. If you have an existing caravan loan, will any rate increase flow onto an increase in your repayments? We explain. For starters, the RBA Governor, Philip Lowe, addressed these suggestions when they first emerged, saying he did not have plans to increase the official cash rate any time soon. He was looking for further improvements in key economic indicators such as employment and inflation before any rate rise would be considered. So at this point, we do not anticipate a rise in the interest rate for our Jade Caravan Finance loans. ## **How interest rates are set by lenders** So what is the significance of the RBA and the official cash rate? The official cash is currently sitting at 0.1% but no, that is not the lending rate on consumer loans such as caravan finance. That is the rate set by the RBA board which meets on the first Tuesday of each month (excluding January) and forms the basis for lenders to acquire their funds. From that basis, individual lenders assess their other costs and their exposure to, interest or confidence in different markets to establish what interest rate they will charge for loans in their various business sectors. In consumer finance, lenders are required to show an advertised interest rate and a comparison interest rate. The comparison rate will always be higher than the advertised rate as it includes some fees and charges. The comparison rate is not necessarily an ‘across the board’ rate as it is calculated based on a specific loan example. You’ll see the details of our comparison rate example where you see our rates displayed. ## **How Jade Achieves Cheap Interest Rates** We’ve set up a chart to show the [caravan finance interest rates](/interest-rates "Discover Jade's Competitive Rates!") charged by a number of lenders for loans for caravans. Note how cheap Jade’s rate is! We achieve cheaper rates for a number of reasons, which include:- - We are accredited with many lenders, both bank and non-bank, so we can survey a larger market to source the best on offer at any one time. - Due to our high volume of lending, we have significant bargaining power with many lenders. The power which we utilise to negotiate rates down to the cheapest levels. - We have committed to a business model and an approach to lending based on achieving better interest rates across our lending sectors. ## **Compare Lenders and Rates** When considering the different interest rates on caravan loans available in the market, it might appear like only a small percentage difference from one lender to another in some cases. So many buyers might think “what’s all the fuss about, it’s only a small amount?” To see what all the Jade fuss with cheap interest rates is all about we suggest you head to our [caravan finance calculator](/loan-calculator "Plan Your Caravan Financing with Our Calculator") or lender comparison calculator. The difference will of course depend on the amount of your loan and the loan term. Caravans, campers and mobile homes can vary significantly in pricing. From budget models in the sub $50,000 range to well over $200,000 for some of the top of the range motorhomes. On the lender comparison calculator, enter your loan amount and the loan term you’re seeking. We’ve formatted this resource to auto-calculate the repayment estimate for each of the lenders we have listed. Note the different repayment amounts. It can be a sizeable difference each month over the term of your loan. So, in summing up, despite conjecture and opinions being expressed in some areas of the financial media, we don’t expect interest rates on our caravan loans to increase in the near future. Having said that, sourcing the cheapest rate is a major factor in ensuring you achieve the cheapest repayments. **To discuss your requirements, contact us on 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.* **Categories:** Loan Tips --- ### [Finance for Caravans – what are my choices?](https://www.jadecaravanfinance.com.au/blog/loan-tips/finance-for-caravans-what-are-my-choices) **Published:** May 5, 2021 **Author:** Publisher **Content:** Caravans are available in a range of different types – traditional, off-road, hybrid, toy haulers, TVs, mobile homes, camper trailers etc – with buyers faced with multiple options in making that final decision. There are also considerations and decisions to be made around sourcing the cheapest and most appropriate [caravan loans](/ "Caravan Loans Made Easy") to purchase your leisure goods. We provide a full selection of loan options for both private buyers and business purchases. While all types of caravans can be financed, the choice of loan will depend on the buyer profile and primarily, the interest rate achievable on the loan. We provide an overview of the choices in caravan finance for both buyer categories. ## **Private Buyers – Different Consumer Finance for Caravans** ### For people buying caravans for personal travel and holiday purposes, there are two consumer loans available: - [Secured Caravan Loan](/secured-caravan-finance "Secure Your Dreams with a Secured Caravan Loan"): The most commonly used type of loan with a standard secured loan format. The RV is used as security for the lender but the borrower takes ownership immediately and is responsible for all costs such as rego, insurance and ongoing maintenance. We established this type of loan at a cheap fixed interest rate over a fixed term which provides the borrower with a set, fixed monthly repayment. Extra payments are permitted with minimal break fees applicable in the event that the loan is finalised early. - [Unsecured Personal Loan](/unsecured-personal-loans "Flexible Unsecured Personal Loans"): In situations where the caravan is not available to be used as security, it is not accepted as security by the lender, or the borrower chooses not to offer the caravan as security, this type of loan may suit the purchase. As there is no security a higher interest rate applies compared with a secured loan and the rate may be at a fixed or variable rate. Our consultants will discuss these options with you. The loan term is fixed as are monthly repayments and in most cases, no break fees apply if the loan is paid out early. Different lenders offer different types of loan specifications for caravan purchases. Not all will be specifically designated as a caravan loan, but possibly a generic secured personal loan. We have compiled a table of loan types available from a selection of banks and lenders which you can review. ## **Business Buyers: Commercial Caravan Chattel Mortgage** For those purchasing a caravan or other RV to use in their business operations, the Caravan Chattel Mortgage is one of the most commonly utilised finance products. The Chattel Mortgage is a very versatile type of finance and is widely used for all types of business assets including motor vehicles, plant, machinery, equipment, boats and trucks. ### The same features apply, regardless of the asset being acquired: - Attracts the lowest interest rate across the range of commercial finance facilities. - Ownership is taken by the borrower at the time of purchase while the lender accepts the caravan as security against the finance. - The GST on the purchase price can be claimed on the next [BAS](https://www.ato.gov.au/Business/Business-activity-statements-(BAS)/), for eligible businesses. - No GST applies to the interest portion. - The interest portion of repayments is tax deductible but the remainder of the repayment is not tax-deductible. - A tax deduction is realised when the caravan is depreciated in the annual income tax return according to the ATO rulings at the time. - Suited to accelerated asset depreciation measures including temporary full expensing and Instant Asset Write-off - Suits businesses that use the cash method of accounting. - Interest rate is fixed, loan term fixed and fixed monthly repayments apply. - A [balloon](https://economictimes.indiatimes.com/definition/balloon-payment) amount is optional. All types of businesses – partnerships, sole traders, family enterprises, SMEs, large corporates and others, can apply for Caravan [Chattel Mortgages](/chattel-mortgage). ## **Loans on Caravans: Bad Credit Applicants** Credit issues can impact all types of people and businesses due to a myriad of circumstances. But contrary to commonly-held beliefs, bad credit is not a complete barrier to achieving a caravan loan. We are accredited with non-bank lenders that will consider [bad credit caravan loan](/bad-credit) applications and are flexible and prepared to offer attractive loan terms and rates. Individual lenders will review the circumstances around the poor credit rating in assessing each application. As every application for credit is reported to Credit Reporting Agencies and listed on a credit report, bad credit applicants can benefit significantly by allowing lenders such as Jade to handle their finance requirements. ## **Finance on Caravans: Best Interest Rate Comparisons** The interest rate is at the heart of every finance deal and usually top of mind for everyone seeking caravan finance. Individual lenders set their interest rates based on their interest in lending to particular sectors. To save you time in reviewing what’s available in caravan loan interest rates, we’ve prepared an easy reference guide. Use our free [online caravan loan interest rates](/interest-rates "Explore Competitive Online Caravan Loan Interest Rates") tool to compare across a number of banks and lenders Australia wide. ## **Repayment Calculator for Financing on Caravans** Knowing what your estimated repayments may be on a loan can be a great help when deciding between differently priced makes and models. We make that easy with our [caravan finance calculator](/loan-calculator "Calculate Your Caravan Finance with Our Calculator"). Simply enter the details of your proposed loan and the calculator does the complex arithmetic calculations to display an estimated repayment. We offer no deposit finance on many loans so you can enter the full purchase price of the loan in the total loan amount requested. ## **Making the Right Caravan Finance Choice** Now you have the options, how do you make the choice of which loan is best for you? Businesses are always advised to consult their consultants. For private buyers, the age and condition of the caravan will likely determine suitability for a secured or unsecured loan. Our consultants can assist with that aspect. **Get in contact with us at 1300 000 003 to discuss your lending options.** *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.* **Categories:** Loan Tips --- ### [Ways to reduce at least some of the stress of buying a caravan](https://www.jadecaravanfinance.com.au/blog/caravan-tips/ways-to-reduce-at-least-some-of-the-stress-of-buying-a-caravan) **Published:** November 24, 2021 **Author:** Publisher **Content:** Making a major purchase such as a new caravan can come with its own set of stresses and pain points. It’s a very exciting time, buying a RV to set off on holidays or travel. Getting the keys to an amazing lifestyle of touring, discovering new destinations and incredible places and making new friends and connections along the way. It sounds idyllic once it is all a reality. But in reality, different stages of the processes required to get to the point of making it actually happen can have its frustrations and stress. Jade Caravan Finance offers the [best caravan finance](/ "Unlock the top deals in caravan financing") options to reduce some of the time and the stress of buying a caravan. Under normal life conditions these can exist. But add-in the complications caused by a global pandemic and stress levels can definitely spike. Mental health has been identified as a major issue for those living under lockdown and other restrictions and all Australians are being encouraged to take care of their wellbeing. That can mean reducing as much stress as you can from wherever you can in your life. Pandemic-induced challenges also exist for buyers around sourcing caravans. The demand for RVs has escalated significantly due to the pandemic and some manufacturers are struggling to keep up with the orders. But they are all working hard to shorten delivery times as much as possible. Many of the annual caravan and outdoor shows were cancelled due to COVID thus reducing the opportunities to see multiple vans in the one place and easily speak with the dealers and manufacturers. It has been as frustrating for buyers as it has been for the manufacturers that look forward to these events each year to launch their new models into the market. Then there is the finance side of the caravan purchase. Anything to do with money and finance can cause stress for some people. This is a significant acquisition and making decisions around loans can create anxiety for some people. Worrying about finding the best loan and tiring themselves with the finance search and secure process. While we are not in a position to hasten delivery of your caravan, though we do assist our customers with settlement, we can provide ideas, tips and assistance to reduce the stress and hassle associated with sourcing caravan finance. ## Lending Assistance Services When seeking a loan, caravan buyers can unwittingly place stress on themselves by taking on too much of the process on their own. Not realising that finance broker services and resources like the [government caravan guide](https://www.qld.gov.au/transport/buying/caravanning "Discover the Caravan guide by the government") are available to them to source this type of loan. The service of finance brokers and broker-style lenders such as Jade Caravan Finance, are available to assist in sourcing a wide range of personal consumer loans. These services are not just for business finance. The alternative process to using a broker is typically for caravan buyers to ‘shop around’ to multiple banks and finance companies to source quotes. The Australian lending market is large and sourcing quotes alone can be both a confusing and time consuming process. Then comes the task of comparing loans which may be structured differently. Not all lenders offer specific loans for RVs and caravans. So buyers often need to navigate through many different loan descriptions to find which is the most suitable to their purchase. A process which can be infuriating at times! We assist to reduce customer’s stress and their time involvement, by handling the quote sourcing process as a starting point to our services. We are accredited with many lenders, both major banks and non-bank lenders such as finance companies. So we have direct access to these lenders to quickly and easily source caravan finance quotes and identify and negotiate the cheapest offer for customers. Sourcing quotes is just the start of how brokers like Jade can reduce the stress of sourcing cheap caravan loans. Services include:- - Sourcing quotes and loan offers covering exclusive industry-only channels - Handling those tricky negotiations with banks and finance companies - Assisting with the loan application - Processing the application for approval - Handling the settlement including liaison with the caravan dealer ## Pre-Purchase and Self-Serve Prior to purchase or even contacting us, customers can access a range of self-serve buying tools to assist with the decision around which caravan to purchase – when that decision is based on price. Loan calculators, including the [Jayco caravan finance calculator](/loan-calculator "Find out your Jayco caravan loan details"), are a self-service tool we provide, free of charge, so buyers can generate loan repayment estimates on any number of caravans they are considering. To enhance our calculators, we also provide a Lender Comparison Calculator. This handy tool lists a number of banks and finance companies, showing the type of loan they have available to fund caravan purchases and the interest rate they are currently offering on that loan. The tool is also a calculator. Users only need to enter the amount they are seeking for the loan and the amount of time they would like to repay the loan. The calculator automatically displays the repayment estimate for each lender. Using self-serve loan tools prior to contacting ourselves or another lender, can greatly assist buyers by clarifying the caravan finance scene and narrowing down the options. ## Stress-busting Pre-approved Finance One of the biggest stress creators when buying a caravan is entering purchase negotiations with RV dealers without knowing if you have the finance available to actually pay for your purchase. Securing the [best caravan finance rates](/interest-rates "Get the lowest caravan financing rates") beforehand can alleviate this concern. At a time when demand is putting pressure on new caravan supply, any delay in placing an order can result in missing out or a longer wait time for delivery. Pre-approved caravan finance is key to reducing stress and worry in these circumstances. The loan is quoted, an offer confirmed and application approved before the buyer confirms the order with the caravan dealer. Buyers can then confidently enter those purchase discussions and be ready to place that order on the first visit. The process of sourcing finance and buying a caravan should reflect the pleasure that the caravan lifestyle has to offer. Reduce the stress around the finance side of the purchase by engaging with lenders that can assist you with the loan process. **Call 1300 000 003 to discuss all aspects of caravan finance with a Jade Caravan Finance consultant** *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.* **Categories:** Caravan Tips --- ### [Spotlight: Custom-built with Halen Vans](https://www.jadecaravanfinance.com.au/blog/caravan-tips/spotlight-custom-built-with-halen-vans) **Published:** November 24, 2021 **Author:** Publisher **Content:** Caravans have a long and beloved history in Australia dating back a long way and achieving extremely high levels of popularity in the 50s and 60s. In more recent times with cheaper air fares attracting travellers overseas and outweighing the appeal of caravan staycations. But the ‘grey nomads’ filled much of any void created as they criss-crossed the nations. As a result of pandemic border closures, caravan ownership has experienced a welcome resurgence in the past 2 years and demand for all types of RVs is enjoying the highest levels in a long time. So it’s probably not that surprising that Australia has a very vibrant and busy caravan manufacturing sector. Caravan builders are embracing and integrating innovative techniques and features into their vehicles and building vehicles to suit all types of travellers. But many travellers are very particular about what they want in their vehicle. To meet the demands of that sector are the specialist custom-built caravan manufacturers. In this article Jade Caravan Finance focuses the spotlight on a company that specialises in custom-built off-grid caravans – [Halen Vans](https://www.halenvans.com.au/ "Upgrade your footwear with Halen Vans"). As part of our showcase we also offer up ideas around buying and financing custom versus a stock model. ## Custom Build Specialists Halen Vans was established in 2011 but boasts 30+ years of experience and expertise in the caravan building industry. The business specialises in custom built off-road caravans which they build in their facility in Lilydale, Victoria. Key features of the Halen building process include:- - Cruisemaster Off-Road Suspension - Fully insulated using high grad VH27 insulation - Completely self-sufficient with the inclusion of lithium batteries, lead crystal batteries and solar panels. When it comes to a custom order, exactly how ‘special’ can the brief be? To give you some idea of their capabilities Halen Vans outline a number of customer briefs on their website and the solution that they delivered. Customer briefs handled by Halen Vans include:- - Lots of space for storage and bench tops. - Run 240V appliances from the battery system similar to living at home. - Create as small a van as possible but be self-sufficient for free camping. Result – a 15’6” pop top. - Build a caravan to suit permanent living, so plenty of storage space required. Outcome – 23 footer with custom cabinetry. - Large windows so we can see the views plus a custom front plus the facilities for 4K projection with pull-down screen. Outcome – delivered as ordered! The company clearly works closely with its customers to design the layout to meet the individual specifications. The custom process can enable customers to get the kitchen layout that works for them rather than have to adapt their cooking style and menu to suit what others have designed. Halen customers have the choice of café seating or a recliner for dining for example. [Read more](https://www.halenvans.com.au/ "More information") about how Halen Vans delivers on custom orders. ## Custom Built or Stock Model? When it comes to buying a new caravan, should you opt for a custom-build or a model from a manufacturer’s existing line-up? While this will be a highly personal and individual decision, we put forward some thought-provokers to assist with the decision-making. For starters, depending on the brief, a custom-build may be expected to cost more. But considering how long you will spend in the vehicle and over how many years you will be enjoying it, this could be an investment worth making. To compare the estimated repayments on finance for the price of a custom with a standard model, use our [Caravan Loan Calculator](/loan-calculator "Caravan financing calculator at your service"). Buying a van which does not exactly meet your lifestyle could lead to years of those little irritations and annoyances that take the edge of the experience. However, many manufacturers do build their ranges to order and can include a range of choices in regard to layout, floorplan and finishes. A custom order may take longer to build than a standard model, but not necessarily. This would depend on the order list faced by individual companies at the time and the complexity of the custom brief. If timing is an issue, discuss with the company as to how tweaking your brief may reduce the delivery time. If you’re a first time buyer, you may not actually know what you want in your first caravan. In these instances a stock model or design may be a better option. Manufacturers provide a wide range of models which incorporate proven ideas and features. Inclusions which have been developed based on the experiences of others and the expertise of the manufacturers. Many manufacturers have been in the biz for decades so they know what most travellers want and need in a caravan. ## Progress Payments One issue which can be stickler with some buyers and some builders, with custom builds is progress payments. If buyers require finance for the purchase, will the lender be flexible to structure the loan to meet their requirements for progress payments? As specialists in the recreational vehicle lending sector, we have the experience and the flexibility to work with our customers to tailor [finance for caravans](/ "Secure your caravan financing") to suit their requirements. To see how we can assist with your specific custom caravan brief, have an obligation-free discussion with one of our consultants. **To discuss finance on a custom-built caravan, contact Jade Caravan Finance on 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.* **Categories:** Caravan Tips --- ### [Finance Information for Caravan Owners Affected by Floods](https://www.jadecaravanfinance.com.au/blog/caravan-tips/finance-information-for-caravan-owners-affected-by-floods) **Published:** November 7, 2022 **Author:** Publisher **Content:** With floods affecting large areas of eastern Australia, those affected will be seeking assistance and support in many ways. Dealing with the clean-up as waters recede will be a top priority as will seeking immediate financial assistance. This can be sourced through [NSW and Victorian State Governments](https://www.premier.vic.gov.au/beginning-victorias-flood-recovery "Discover what the governments of NSW and Victoria have to offer") and the PM has also announced [flood relief measures](https://www.pm.gov.au/media/financial-support-people-affected-south-eastern-australia-floods "Learn about government flood relief measures"). Next will likely be replacing essential goods and property which have been damaged so those impacted can restore their lives and livelihoods. Some may need temporary accommodation while repairs to property are carried out. Assistance in this regard should be sought through government channels and community support and charity organisations. While these practical matters need to be dealt with as a matter of urgency, there are issues around finance and loans which should also be attended to in many instances. **To assist caravan owners with vehicles under finance, who have been affected by floods, Jade Caravan Finance provides a step-by-step guide to actions required**. Finance matters can be a major source of stress and worry. We hope this information and the support of our consultants will provide assistance to those affected. ## Meeting Finance Obligations Where RV owners have vehicles under finance, it is important to be aware of the obligations around the loan. Even if the caravan has been written-off completely, there is a responsibility on the part of the loan holder to continue to meet the caravan finance repayments. The outcomes of not making the necessary repayments can be long-term and quite serious. With a [Secured Caravan Loan](/secured-caravan-finance "Learn about our trustworthy and secure caravan financing"), the lender holds a right over the vehicle as security against the loan. When finance repayments are not met according to the schedule, the loan may be deemed in default and the lender proceed with repossessing the vehicle. While having a written-off caravan repossessed may appear unimportant, the consequences in the long term can be extremely important. When a loan is deemed ‘in default’, the lender will place a negative entry on the borrower’s credit report. This can negatively affect loan offers including interest rates on future finance applications. For those affected by floods that are having difficulty meeting loan repayments, contact should be made immediately with the lender. Relief with repayments where the individual’s financial situation has been affected by floods will based on individual bank and lender guidelines. Typically, when disasters such as floods occur, most lenders will have processes in place to assist customers. These relief measures will vary and will be at the discretion of the lender. ## Caravans Written-off and Damaged by Floods A condition of Secured Caravan Loans is that insurance over the goods is required by the lenders. Where a caravan that is currently under finance has been seriously damaged or written-off as a result of floods, the actions and considerations to be taken by the owner include:- - Contact the insurance company and commence the claim lodgement process. - To avoid long waits on the phone, consider an online claim. - Insurers will advise policy holders of their individual processing procedures. - Continue to meet caravan loan repayments even after the insurance claim has been made. - Contact the lender to advise the claim lodgement and discuss any relief in regard to pausing repayments. - With the lender holding security over the caravan, the will be due a payout from the insurer for the outstanding amount on the finance or the insured value of the goods. - Any excess over and above what is due to the lender is paid to the policy holder. - Caravan owners do not have to wait until claim settlement to commence the purchase with finance of a new RV. - A loan application for the new caravan may be made at any time. - As the existing loan commitment will still appear on the personal financials until insurance settlement, this needs to be explained to the new lender to avoid it negatively affecting the loan offer. Your Jade consultant will handle that and the other negotiations with the lender to source a finance quote. - The new caravan loan can be with the same or with a different lender. We will source the cheapest quote from across our lender base. - The interest rate on the new caravan finance will reflect current [caravan loan interest rates](/interest-rates "Learn about the most recent rates for caravan loans") which may be different from the rate achieved on the existing loan. - To expedite purchasing a replacement RV, a pre-approved caravan loan can be applied for. ## Fast Loan Approvals for Temporary Accommodation RVs With houses severely damages, many home owners may consider purchasing a caravan as temporary accommodation while the house is being repaired. With demand already high for caravans, being ready to order with finance arranged, may expedite delivery. We can assist in this regard with fast finance approvals and by handling the entire loan process for applicants. We fully appreciate how floods and other natural disasters cause distress for many people. Our team is ready to assist where required to support individuals and businesses. **Contact Jade Caravan Finance on 1300 000 003 to discuss issues around caravans damaged by floods.** *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.* **Categories:** Caravan Tips --- ### [Best caravans and RVs: innovation awards finalists](https://www.jadecaravanfinance.com.au/blog/caravan-tips/best-caravans-and-rvs-innovation-awards-finalists) **Published:** December 4, 2022 **Author:** Publisher **Content:** Attending caravan shows and expos can be a great way to start the caravan buying process. They offer excellent opportunities to inspect multiple brands and models in the one place and can make comparing certain features much easier. But when making the final decision, how do buyers decide which are the best caravans and RVs on the market? Sales staff are clearly going to point out their best features to prospective buyers and with so many models on the market, the buying process can become confusing. To assist in deciding on the best caravans and RVs available, prospective buyers can refer to annual awards for inspiration and direction. There are a number of awards programs in the caravan industry including the awards run by the experts at caravancampingsales. Their 2022 awards program is now underway and the finalists in some categories have recently been announced. These awards cover a number of categories and all the finalists will be announced over the next few weeks with the big announcement of winners starting the first week in December. ## Innovation Awards Program This is the second year that caravan camping sales has run these awards which recognises what their judges consider are the leading services and products in the industry. As innovation awards, they focus on those in the sector that have shown to be the trailblazers with thinking ‘outside-the-box’ in their designs and concepts. When buyers turn to awards programs to make purchase decisions, its important that they understand the criteria of the awards, the eligibility for entrants and what specifically the judges will be looking for in making their rulings in regard to finalists and winners. The [caravan camping sales](https://www.caravancampingsales.com.au/editorial/details/2022-caravancampingsales-innovation-awards-start-here-138206/ "Find discounts on caravan camping accessories") awards for innovation focus on the advancements made in areas including design, tech, safety and quality. The judges look for efforts that result in new systems or services or products that will provide increased connectivity, sustainability and accessibility for RV users. As editor Chris Fincham points out, these awards do not as a rule aim at the most impressive or expensive product as the winner could be a very simply concept or idea that advances the industry. This year’s categories include the Best New RV, Best New Tech, Best New Safety Feature and Next New Product or Accessory. Eligibility includes being on the market after 1 September last year and must have been featured on the awards organiser’s website. ## Innovation Awards Finalists The six finalists in the Best New RV category have been released. As noted by the organisers, the contenders include an ‘eclectic mix’ which should be great for prospective buyers as they cover quite a broad selection. There’s a compact hybrid camper, a super lightweight travel-travel, a high-price tag off-grid model and a steel monocoque design which is a world first. The finalists are:- - Bruder EXP8, which we recently showcased in one our blog articles. - Trailblazers Combat Wombat - [Masterpiece Optimum CRZR Edition ](https://www.masterpiececaravans.com.au/detail/optimum-crzr-ultimate-off-road.html) - Harvok Suit of Armour - [Offline Campers Ryder ](https://offlinecampers.com.au/ryder/) - Road Warrior Adventurer So there you have what the expert judges have decided are contenders for the Best New RV in the Innovation Awards. Do you want to wait until the winner has been announced or just get straight into making your own decision as to the best caravans and make a purchase? If you choose not to wait, that could be a wise decision, especially if you are seeking caravan finance to make the purchase. Recent economic data and other developments are strongly indicating the RBA will once again lift interest rates at their 6 December Board meeting. ## Finance for the Best Caravans Purchasing what you or the expert judges consider are the best caravans and RVs won’t attract a premium when it comes to finance. Our [Secured Caravan Loan](/secured-caravan-finance "Find the perfect loan for your caravan purchase with confidence") is suited to most buyers and most new caravans and RVs. That’s all the different types available – camper trailers, traditional caravans, off-road, motorhomes and others. When it comes to the [interest rate for caravan loans](/interest-rates "Access our caravan financing rate comparison tool"), which of course is the key determinant of the overall cost of the finance, the type of new RV does not impact the rate. Caravan finance interest rates can vary across the range of banks and lenders that offer loans for these types of vehicles. But the rate offered to individual loan applicants is determined primarily on the assessment of the application, including the credit profile. To ensure the cheapest rate is achieved and hence the most affordable overall, let’s say the best, caravan finance, buyers can ensure their credit score is in the good band and engage our services. We have the capability to secure the cheapest rates from across a vast number of lenders. Saving buyers time and hassle. Both issues which can be critical to expediting delivery times and avoiding RBA rate rises. **Contact Jade Caravan Finance at 1300 000 003 for better caravan finance on the best caravans and RVs.** *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.* **Categories:** Caravan Tips --- ### [Central West NSW Floods: information for victims re their loans and finance commitments](https://www.jadecaravanfinance.com.au/blog/caravan-tips/central-west-nsw-floods-information-for-victims-re-their-loans-and-finance-commitments) **Published:** December 4, 2022 **Author:** Publisher **Content:** It is extremely saddening that only a short time after issuing information for flood victims in NSW and Victoria we once again have the need to provide information to assist victims in other areas. The Central West NSW floods are impacting vast areas of the state and having devastating effects on homes, businesses, livelihoods and lives. As victims address a myriad of issues, we assist with information on what do about commitments in regard to loans and finance. In particular for those with caravans that are currently under finance and have been written off as a result of the floods. Victims of the central west NSW floods with caravans under finance should contact insurers and lenders to advise the circumstances and/or seek repayment relief. We outline the steps to be taken in detail and what assistance we can provide for those needing to purchase a new caravan as a matter of urgency, particularly for temporary housing purposes. ## Immediate Action Caravans under finance refer to all types of RVs that have been bought with a loan and that loan is still current. In other words, repayments are still being made. When taking out secured finance, buyers will be required to take out comprehensive insurance. So when the RV is damaged or written off, it should be covered by insurance. - A claim should be filed with the insurance company either online or over the phone. If that can’t be done immediately due to circumstances, take photos. - If you don’t have access to the paperwork and do not have the insurance policy details, don’t worry. The insurer should have all the information required to assist with the claim. - It is important to note that the loan repayments are still due, even when a caravan is written off or damaged due to a flood or other events. - While this may seem a trivial matter in the current situation is it important to address. Failure to meet those loan repayments can result in the loan being classified in default and that can affect the credit score and future loan prospects. - The lender should be contacted and advised that an insurance claim has been filed. Individual lenders will have their own policies in this regard and will advise accordingly. Most banks and lenders readily provide assistance to customers during floods, bushfires and other emergency scenarios. So don’t be afraid to contact them and discuss the situation. - If the caravan has not been damaged, but your income and hence ability to make loan repayments has been, once again, contact the lender to discuss repayment relief. - [Financial assistance for flood victims](https://www.servicesaustralia.gov.au/natural-disaster-events?context=60042 "Find financial aid for flood-affected areas") is available through Services Australia and [Service NSW](https://www.service.nsw.gov.au/floods/financial-assistance "Access government tools and services on Service NSW."). ## Replacing Damaged Caravans Under Finance Owners wishing to quickly replace caravans that have been written-off in the floods do not have to wait until the insurance claim is settled before proceeding to apply for [secure caravan finance](https://www.jadecaravanfinance.com.au/secured-caravan-finance "Discover reliable caravan financing solutions with assurance.") and purchase a new RV. That process can commence at any time. When engaging with Jade Caravan Finance to source the finance, we will advise our lenders re the scenario around the existing loan on the damaged caravan so it does not impact the application assessment and rate offer. This can be important because that existing loan will appear on the individual’s credit history and may influence lenders’ assessment of the applicant’s ability to furnish further finance. The finance on the replacement caravan will be a totally new loan contract and may be taken out with a different or the same lender. The [caravan financing interest rates](/interest-rates "Learn about current caravan loan interest rates") on the new finance will be based on current rates and not the rate which applied to the existing loan on the damaged RV. For those needing a caravan for temporary housing while their business or home is being repaired or rebuilt, we can expedite the finance application with fast approvals and we handle the paperwork in addition to sourcing the finance. Pre-approved finance can be applied for so the loan is all set-up and approved so buyers can easily proceed to source the caravan and make the purchase. We fully understand and appreciate the distress that floods can cause and we are available to ease whatever stress we can within the scope of our operations. ## Alert: Impacts on Travel Plans Many caravan owners will be planning upcoming trips for the Christmas holiday season. Authorities warn travellers to reconsider any travel through central and western NSW at this time and possibly for many weeks. The damage to roads and infrastructure is yet to be assessed but is expected to be massive. Many roads may be impassable for up to months. The Bureau of Meteorology also warned that although the rain has stopped or eased in many areas, the risk of flooding remains and could remain for months. Travellers are urged to stay across all warnings and alerts and closely monitor the situation in their destination areas or change plans. **Contact Jade Caravan Finance on 1300 000 003 for assistance in replacing caravans damaged in the Central West NSW floods.** *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.* **Categories:** Caravan Tips --- ### [More rate rises - tips, hints and assistance for cheapest caravan finance](https://www.jadecaravanfinance.com.au/blog/caravan-tips/more-rate-rises-tips-hints-and-assistance-for-cheapest-caravan-finance) **Published:** December 19, 2022 **Author:** Publisher **Content:** This is not the first time we’ve ‘been here’ this year. In fact, it’s now more than 8 times. The number of times the [Reserve Bank of Australia](https://www.rba.gov.au "Access resources from the Reserve Bank of Australia") Board has lifted interest rates this year. Decisions which can potentially flow through to the caravan finance market. Decisions which can have buyers searching for the cheapest caravan finance. But interest rates are not the only reason that buyers may be seeking cheaper finance. As pandemic restrictions which had held up manufacturing are now lifted and hopefully supply chains for components also eased, buyers may find it easier to buy a caravan with usual delivery times. That’s opposed to up to a 12 month wait. But with the rise in inflation and costs both here and overseas, buyers may find the price of the new caravan they had their eye on is now higher. Or maybe there is a change in travel plans and a more luxuriously appointed model, a larger caravan or an RV with greater off-road capabilities is now required. A model with a higher price tag which could mean a higher finance amount is required to make the purchase. Whatever the reason, **securing the cheapest caravan finance can be key to affordability of the preferred RV so buyers can balance the effects of inflation and interest rate rises**. A number of times this year we have covered off on the various approaches caravan buyers can take to achieve a cheaper caravan loan and/or reduce the monthly finance repayments. But with the latest RBA rate rise and the note from the Governor that further rises are to be expected, it is timely to revisit and remind buyers of those tips and hints and how we can assist. ## RV Finance Products While caravanning is extremely popular in Australia, specific loans for purchasing RVs may not be so easy to identify. Yes, there are many banks and lenders that will offer loans to finance new caravans. But they may be included in a general recreational or leisure products loan category. Possibly a generic Personal Secured Loan. This may be designed to suit a wide range of products including boats, caravans and other goods. A number of manufacturers and caravan dealers also offer finance to buyers. But these will usually be through a third party – a finance company. As such, buyers should look closely into these offers to ensure they are not over-paying fees and other charges. And of course, to ensure that the rate offered is the cheapest they could achieve. As a specialist in caravan finance, we do offer a specific [Secured Caravan Loan](/secured-caravan-finance "Learn about our secure financing deals for caravans") with cheaper rates. The format of any secured loan is fairly standard. The lender accepts the new caravan or other RV as the security for the finance. But across the lending market, the type of interest rate offered and other loan conditions such as maximum loan amounts and finance terms can differ. We offer a fixed interest rate but some lenders may offer a variable interest rate. This difference can be key to the cheapest caravan finance over the full term of the loan. A variable interest rate loan can be subject to fluctuations in rates as per RBA decisions. Buyers that opt for a variable rate caravan loan may find their rate and their repayments increase at some point during the loan term. Tip – ensure your loan has a fixed interest rate and that the finance conditions suit your requirements. As a broker-style lender, we source and negotiate every caravan loan on an individual basis. Caravan finance is consumer finance and all lenders that offer these types of loans must abide by the Responsible Lending Guidelines as set by [ASIC](https://www.asic.gov.au "Find details about ASIC's regulatory functions"). Lenders must be licensed and must not make a loan offer to an applicant which is deemed inappropriate for that individual. Always ensure you are accepting a finance offer from a licensed lender. ## Getting the Cheapest Interest Rate Finance Sourcing the cheapest caravan finance may mean the lowest monthly payments or the lowest cost overall for the loan. That is the cost of the total interest, fees and the loan amount. These elements all add up to the total cost of the caravan. The interest rate is at the centre of achieving the cheapest caravan finance. The rate, along with the term and of course the amount borrowed, determine the repayments and the overall total. As can clearly be seen in our [caravan loan comparison](/interest-rates "Explore caravan financing options and rates") table, the interest rates advertised on caravan finance do vary across the lending market. Note how those rate variations affect the monthly estimated repayments. Significant isn’t it and it highlights how important it can be to secure the cheapest interest rate to ensure the cheapest caravan finance. The interest rates on caravan finance set by lenders will be determined by their own decision-making procedures. Hence the variations. The rates advertised by lenders for all types of finance generally refer to their lowest achievable rate for new caravans and RVs for finance applicants that have a good credit profile or credit score. That can be a critical point to note for those seeking the cheapest caravan finance. Ensure your credit score is in the good band by requesting a copy of your credit report and checking there are no errors which may prevent you from being offered the best interest rate and loan conditions. Directions around fixing credit report issues are available at [Moneysmart](https://www.moneysmart.gov.au "Find financial insights and advice on Moneysmart"). When assessing caravan finance applications, lenders will also be looking at creditworthiness and the ability to repay the finance. Ensuring the personal ‘balance sheet’ – what is owed compared to what is owned, is in good shape can contribute to being offered a better rate and more amenable loan conditions. ## Getting the Lowest Caravan Finance Repayments While the interest rate is central to the overall cost of the finance and will determine the repayments, there is another angle to consider in terms of the definition of cheapest. That is achieving the lowest possible monthly payment. That is often the figure that most buyers can relate to more easily. The amount they will need to pay each month. Tip – when you see ads from caravan sellers with a price per month amount, delve deeper before committing. As mentioned above, the repayments are calculated based on the interest rate and the finance term. A longer finance term reduces the monthly commitment while a shorter term increases the monthly payment but reduces the total interest on the finance. An advertisement for a lower monthly finance payment may actually simply be calculated over a longer term. The buyer may pay less each month but more overall. Securing lower monthly repayments however, can be a way to afford a caravan with a higher price tag. But there are other considerations. These include paying a larger deposit to reduce the amount required for the loan and ensuring that the lender will approve a longer finance term. We assist buyers to achieve that target repayment amount as best as possible and achieve the cheapest caravan finance through better interest rates and personally negotiating every application. Achieving the cheapest caravan finance can be critical to being able to proceed with that dream caravan purchase and may be possible in a streamlined manner with our professional expertise to assist. **For the cheapest rate caravan finance, 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.* **Categories:** Caravan Tips --- ### [Caravanning News: 2023 Shows, Holiday Alerts, Caravan Finance Update](https://www.jadecaravanfinance.com.au/blog/caravan-tips/caravanning-news-2023-shows-holiday-alerts-caravan-finance-update) **Published:** December 19, 2022 **Author:** Publisher **Content:** As we approach the end of the year, it’s a good time to catch up on some of the news around the caravan scene. For new caravan owners planning to head off on a holiday adventure, we provide some timely alerts and reminders. For those planning to upgrade or buy their first caravan in the new year, we provide dates on some of the early 2023 caravan shows and the latest on caravan finance. A caravan or RV is a considered purchase for many buyers and being well-informed as to all the aspects involved in the journey to caravan ownership, especially the finance, can be extremely important. ## Holiday Alerts It’s going to be busy out there for caravan, car and other holidaymakers. This holiday and summer season is set to be massive across Australia. The first year since 2019 when there are no border restrictions in place so travellers can venture pretty much wherever they want. But with the recent surge in popularity for RVs, there will be many relatively new caravan owners embarking on their first holiday. Here are a few reminders to make for a safer and more enjoyable caravan holiday:- - Book holiday parks well ahead. [Big 4](https://www.big4.com.au/ "Click here to learn more about NRMA") and [NRMA](https://www.nrmaparksandresorts.com.au/ "Click here to learn more about NRMA") Holiday Parks are some of the popular names and can get booked out well in advance. - If planning to stay at free camping sites, possibly have a Plan B in case they too are full on your arrival. - If visiting areas of Victoria, SA, NSW and QLD be aware of flood affected areas and roads. While the waters have receded in most places, there is significant damage to roads that may take months to repair. Downstream areas still face possible flood impacts. - Refer to your checklist and/or information from caravan industry bodies to prepare your van for travel. - Safety is paramount for the caravan and the towing vehicle. Refresh your knowledge by referring to the resources available at [RV Safe](https://rvsafe.com.au/ "Visit the RV Safe site for safety recommendations"). ## 2023 Caravan Shows Caravan, camping and outdoor shows and expos are top attractions for both prospective buyers and for existing caravan owners to upgrade or just to check out the latest products and innovations. The 2023 calendar of shows gets underway early and it’s never too soon to start planning a show visit and caravan purchase. Here are a few diary dates for 2023:- - Newcastle Caravan Camping and Lifestyle Expo will be held from 3 through to 5 February at the Newcastle Showground and Entertainment Centre. - For Victorians, note the 22nd to 26th February in your diary. This is the timing for the Victorian Caravan, Camping and Touring Supershow which will be held at the Melbourne Showgrounds. - In Queensland, the Let’s Go Expo on the Gold Coast is scheduled for 10-12 March at Metricon Stadium - The biggest caravan show of the year is the NSW Supershow which is held each year at Rosehill Gardens in Sydney. The dates for 2023 are the 18th through to 23rd Shows are great opportunities to see many of the latest models on display, making it a lot easier to make comparisons across makes and models. For buyers who are serious about placing their caravan order while attending a particular show, we provide pre-approved caravan finance. Finance can be arranged with a [Secured Caravan Loan](/secured-caravan-finance "Find the perfect secured loan for your caravan purchase") in advance of a purchase with the loan amount estimated for the purpose of having the loan approved. This type of loan will be at the same interest rate as would apply if the loan was sourced following the commitment to buy. Pre-approved loans do have a specific timeframe during the loan must be finalised or the offer and quote will expire. Speak with us about the timeframe in regard to your buying timeframe so you are prepared for the show you plan to attend. ## Caravan Finance Update 2022 has been a milestone year in the lending sector and not one that was expected at this time last year. With inflation surging, the Reserve Bank has announced eight consecutive increases to the cash rate over eight months and has indicated further rises will be required. These decisions have been reflected in increases in interest rates across the lending sector. Banks and lenders do set interest rates on caravan finance based on their own internal guidelines and that creates a market of variations. Despite the rate rises by the RBA, we continue to adhere to our policy of [better caravan interest rates](/interest-rates "Explore options for lower caravan interest rates") and that means cheaper caravan finance for our customers. All caravan buyers are welcome to utilise our services. Broker style lenders are not only for business owners or largescale finance requirements. We are extremely active in the consumer finance sector as a Licensed Credit Provider adhering to ASIC’s Responsible Lending Guidelines. As we go into 2023, the next meeting of the RBA Board to make an interest rate decision is slated for the first Tuesday in February. Buyers planning to purchase a new RV in early 2023 with caravan finance, may benefit from moving as quickly as possible before next RBA rate decision. We will be keeping across the economic indicators – inflation, unemployment and growth, as figures are released by the Australian Bureau of Statistics and bring heads-up alerts and updates as available. **Contact Jade Caravan Finance for cheaper caravan finance on a new RV for 2023** *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.* **Categories:** Caravan Tips --- ### [Caravan finance interest rates - latest from the RBA](https://www.jadecaravanfinance.com.au/blog/caravan-tips/caravan-finance-interest-rates-latest-from-the-rba) **Published:** February 24, 2023 **Author:** Publisher **Content:** The overall process of purchasing a new caravan, in some instances, can extend over quite a period of time. That may be weeks or months. Depending on individual travel plans and whether it is an upgrade or a first purchase, buyers may take their time to check out quite a few makes and models before making their selection. If the vehicle is built to order or needs to be customised, there will be that timeframe to consider. Where the purchase involves caravan finance, buyers will no doubt be looking for direction when it comes to interest rates. Specifically, what could the interest rate on caravan finance be at the time the buyer submits their application. Interest rates on caravan finance are affected by the cash rate decisions made by the RBA. But our lenders will make their own decisions in regard to the rates they apply to their specific loans. With RBA cash rate decisions at the core of interest rates in general, staying across information from the central bank may assist in providing the guidance buyers are seeking. The RBA has increased the cash rate at each of its Board meetings since May of last year. The monthly announcements include a range of information which briefly cover the Board’s outlook for the relevant economic data and conditions and possible indications for the next move on interest rates. This information can be helpful for buyers. But a read of the more detailed minutes of each of these minutes can provide a more in-depth understanding of the issues which guide the rate decisions. RV buyers in the process of planning new purchases with finance and seeking guidance on interest rates can refer to RBA meeting minutes for more detail. What was of particular interest in the December meeting minutes was the discussion of several options in regard to the interest rates decision. The Board discussed the arguments around three courses of action – returning to a larger rate hike of 0.5%, remaining consistent with the more moderate 0.25% and in not making any changes and leaving rates on hold. The fact that the option to not make any change was discussed, attracted much attention by the finance media and commentators. Was it a sign that we could see an end to the run of interest rates rises? Dr Philip Lowe, the Governor of the Reserve Bank, made remarks following the December meeting where he said that all options were ‘on the table’. Possibly further fuelling interest rate optimism. The following meeting was February and the minutes of that meeting have recently been posted to the Bank website. We summarise the relevant content to provide buyers with this latest information from the RBA. ## Key Content Summary – Minutes of RBA’s Latest Meeting One of the key trends throughout the [Board discussions at its February meeting](https://www.rba.gov.au/monetary-policy/rba-board-minutes/2023/2023-02-07.html "7 February 2023 | Minutes of the Monetary Policy Meeting of the Board | RBA") is the repeated reference to the uncertainty around many factors. These include what could happen at a global level; how quickly the Australian economy responds to what is seen as the peak in global inflation; how fast inflation may fall in Australia; and other key economic data. An easing in inflationary pressures at a global level are being seen but are yet to be seen in the Australian economy. This is important as high inflation is the reason behind the interest rates rises. When inflation starts to fall, it can be an indication that the tightening of monetary policy – higher interest rates, is finally having the desired effect. Dr Lowe has often referred to the lag effect with rate rises. How it takes some time for the effect of increases to be seen in the data. The Board does expect inflation to ease in the months ahead. But strong demand in some sectors was still pushing prices up. In regard to the rate decision, the option of pausing rates was not discussed at the February meeting. What was discussed, was returning to a larger increase of 0.5% and maintaining the run of 0.25% rises. At the meeting, Board members discuss the arguments in favour of and against the options. The full details are in the minutes for those wanting further information. In summary, there were strong arguments in favour of the 0.5% hike including the risk that if not contained, the current high inflation rate would be ‘persistent’. If this was to occur, the Board notes a number of significant costs to the individuals and the economy in higher unemployment and even higher interest rates. The discussion for a 0.25% rise included that the rate of inflation might have reached its peak and that demand was likely to ease. The uncertainties as mentioned above also played into the arguments for this course of action. The final outcome of the discussions with favourable arguments for 0.5% and 0.25%, those for the 0.25% were considered the strongest. The Board does indicate that more rises will likely be needed in coming months. But it is noted that inflation could decrease faster than expected. This depends on how the response to higher rates by consumers in spending and demand. The next interest rates decision is due on 7 March. ## Sourcing Cheaper Caravan Finance Interest Rates Based on the latest information from the RBA, it could be concluded that further interest rate increases should be expected. For buyers planning to apply for [affordable secure caravan financing](/secured-caravan-finance "Find the perfect loan for your caravan purchase at a great price") using the services of Jade can be extremely beneficial in sourcing the [cheapest caravan finance rates](/interest-rates "Caravan Loans Interest Rates - Compare Finance Rates") available at the time of application. With our vast accreditations with many lenders, we continue to be in a position to source the cheapest rates and caravan loans that specifically match our customers’ applications. If planning ahead, feel free to call us for a discussion to assist with the plans or for pre-approved caravan finance. **Contact Jade Caravan Finance for cheaper interest rates on RV loans** *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.* **Categories:** Caravan Tips --- ### [Is the January fall in inflation a good sign for interest rates?](https://www.jadecaravanfinance.com.au/blog/caravan-tips/is-the-january-fall-in-inflation-a-good-sign-for-interest-rates) **Published:** March 2, 2023 **Author:** Publisher **Content:** The Australian Bureau of Statistics (ABS) has released the Consumer Price Index (CPI) data for January which reveals a fall in the rate of inflation. The rate dropped from December’s 8.4% to 7.4% to the end of January. With the Reserve Bank of Australia (RBA) raising interest rates to address rising inflation, the question for many will be if this latest data is a positive sign for interest rates. In some ways it is a positive sign. As the [RBA](https://www.rba.gov.au/ "Reserve Bank of Australia") mentioned in February and Treasurer Jim Chalmers mentioned last week, it does appear that inflation peaked in December. That will be welcomed as it could indicate an easing in price rises moving forward. This could be significant for caravan buyers in relation to further prices on new models. But caution has been advised by the Treasurer in relation to individual monthly statistics. In addition, a fall in inflation based on one month of data does not necessarily mean there will be no further increases in interest rates. The RBA has now lifted the cash rate 9 times, at each of its Board meetings, since May 2022. These decisions have been in response to the extremely high inflation rate. The Board is working to bring inflation back to its target range of 2-3%. The cash rate is the overnight lending rate for banks and other lenders. This rate is an important contributor to the costs for lenders. As such, the increases are passed through as increases in interest rates on their lending products. That includes consumer loans such as [caravan finance interest rates](/interest-rates "Caravan Loans Interest Rates - Compare Finance Rates"). **For buyers planning a new caravan with finance, staying up to date with movements in inflation can be as important as being aware of the interest rates market.** High inflation impacts costs of living which in turn may affect how a buyer would like their new caravan finance structured. In particular in regard to ensuring the monthly repayments work with the household budget, even in inflationary times. ## CPI Data – January 2023 The [ABS](https://www.abs.gov.au/ "Australian Bureau of Statistics") reported the CPI to the end of January, with inflation sitting at 7.4%. The Head of Prices Statistics at the ABS, Michelle Marquardt, said that while the was a drop from the rate as at end of December, the January figure is still second largest rise recorded going back to 2018 when this monthly of CPI data started. According to the ABS, the January data indicates that inflation is continuing at a high level. The Bureau specified the biggest contributors to inflation for the month as housing including rents, food which includes non-alcoholic beverages and the culture and recreation category which includes holiday travel and accommodation. In the housing sector, rents and prices of new dwellings were the key contributors. This category increased 9.8% in the first month of 2023. This is a small drop in the 10.1% recorded in the last month of 2022. In the food category the increase of 8.2% for January was below the 9.5% in December. A fall in fruit and vegetables of 2.3% was noted. The holiday sector travel and accommodation saw a 29.3% increase in December. January saw that drop back to 17.8%. Ms Marquardt notes that price volatility in some sectors can impact the CPI. She notes prices of fuel, fruit and vegetables and other seasonally-related pricing such as holiday travel and accommodation. In order to reveal the underlying rate of inflation, the more volatile elements are excluded from what is known as headline inflation. This can be a more useful figure for certain purposes. Those following the RBA monthly announcements may recall the mention of headline and underlying inflation. Underlying inflation has dropped from 7.4% as at the end of December to 6.7% at the end of January. ## Treasurer’s Comments – Inflation and GDP The latest GDP data was also announced on the same day as the latest inflation data. Treasurer Jim Chalmers commented on the results, saying that it appeared that inflation had peaked at the December figure. But he recommended caution when considering just one month’s inflation figures. He said the high inflation looked like persisting for longer but the January figures were encouraging. In relation to the GDP data which revealed a slowing in economic growth – just 0.5% for the December quarter, the Treasurer said the trend had been expected. This was ## Caravan Finance Interest Rates The March decision on interest rates will be made by the RBA on Tuesday 7th March with these latest figures part of the considerations. The Board has said as early as last month that more rate rises are likely to be considered. At that meeting, only 0.25% and 0.5% rises were discussed. Whereas at the December meeting the option of holding rates was also discussed. Caravan buyers will no doubt be hoping that the RBA Board once again puts all options on the table for the decisions over coming months. Jade Caravan Finance can assist buyers achieve [cheap caravan loans](/why-jade-caravan-loans "Jade Caravan Finance | Low Rate Caravan Loans") with individually sourced and negotiated outcomes to ensure repayments work with household budgets. **Contact Jade Caravan Finance for cheaper caravan finance interest rates** *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.* **Categories:** Caravan Tips --- ### [RV choice and cheaper caravan loan could be your answer to higher prices, rate rises](https://www.jadecaravanfinance.com.au/blog/caravan-tips/rv-choice-and-cheaper-caravan-loan-could-be-your-answer-to-higher-prices-rate-rises) **Published:** March 9, 2023 **Author:** Publisher **Content:** The latest interest rates increase from the [Reserve Bank](https://www.rba.gov.au/ "Reserve Bank of Australia") along with price increases on some new models and other inflationary pressures, may put a dampener on RV purchase plans for many buyers. Before abandoning caravan ownership for the first time or an upgrade to a newer model, why not consider all the options that are on the table. Options such as the choice of RV and sourcing a cheaper caravan loan. Both options which may reduce the monthly loan commitment and make proceeding with caravan ownership dreams an achievable and realistic possibility. For example, considering a lower-priced camper rather than a traditional caravan, could be an option. Though possibly with some compromises or simple changes to the way the caravanning lifestyle is embraced and enjoyed. Sourcing a cheaper caravan loan is an obvious option. Considering cheaper finance should come with no compromises just advantages, especially when sourced through Jade Caravan Finance. There are approaches that buyers may consider to ensure they can purchase a new RV within their budget and offset interest rate rises and RV price rises. ## Choice of RV Where price is a priority, many buyers will automatically consider a used rather than a brand new model. If so, keep in mind that used goods can attract higher interest rates on finance than new goods. Lenders consider the age and condition of the RV when preparing a loan offer. Also consider any maintenance, repairs and replacing worn parts earlier than would be required with a new model. These added costs down the track may put pressure on the budget. Considering smaller models and models with less high-end specifications and inclusions clearly present a lower price option in most ranges. Simple compromises on some conveniences and luxuries may be worth it. For traditional caravan buyers, changing it up to a camper may offer a less expensive option. As an example, consider the new models from ‘re-inspired’ [Gumnut Campers](https://www.gumnutcampers.com.au/ "Teardrop Camper | Pod Campers"). According to the company, the business name was ‘re-inspired’ by the owners and seen as suiting the companies range of pod and teardrop campers. In their own words, the business owners have revamped the classic teardrop camper and the range is now an Australian-made product. The H1 Touring model presents an economic and light-weight towing option with simple set-up. The cabin is fully-insulated and the model has a tailgate area for the kitchen including good bench space and sheltered design. This is an entry-level model with an overall length of 3.8m and just under 2m wide. The other model to consider in the Gumnut range is the H1 Adventure. This has the heady-duty suspension and other features suited to more off-the-beaten-track travelling. For caravan buyers considering the change to a Gumnut camper, this model does come with optional extras which can be included for greater conveniences. Extras such as an external shower, fridge and air-con. Wondering about pricing? Sources quote pricing on the Gumnut models from just under $25k to just under $28k. Interested buyers can use these figures in our [caravan finance calculator](/loan-calculator "Caravan Lending Calculator") to work up rough repayment estimates. To see the Gumnut campers up close, head to the [Ballarat Outdoor Expo](https://www.expeditionaustralia.com.au/show/ballarat-great-outdoor-4x4-expo/ "2023 Ballarat Great Outdoor & 4X4 Expo - Expedition Australia") where they will be exhibiting, 28-30 April. ## Reducing the Caravan Loan Commitment The other obvious option to address recent interest rates rises and possibly higher RV prices is to reduce the finance commitment. That may be by reducing the overall cost or by reducing the monthly commitment – the monthly repayments. - Reducing the amount required for the loan can be achieved by selecting a cheaper RV as discussed above or by paying a deposit. - Reducing the overall total payable on the loan including interest and reducing the monthly repayments can be achieved by securing a cheaper interest rate. [Interest rates on loans for caravans](/secured-caravan-finance "Secured Caravan Loans | Jade Caravan Finance") do vary across the market. Using a broker to source the loan can offer benefits over applying directly to many banks and finance companies to obtain quotes to compare. As a broker-style lender that specialises in RV finance, we have access to more lenders. That provides greater choice and improves the prospects of quickly achieving the cheapest interest rate. A cheaper rate means lower monthly repayments. Overcoming the potential hurdle to caravan ownership presented by higher rates and where the RV price is higher than expected. The RBA has indicated that more rate rises are likely to be required. Sourcing a cheaper caravan loan with better interest rates through Jade Caravan Finance may assist buyers proceed with new RV purchases even with rate rises. If planning to purchase or order at one of the upcoming caravan shows, speak with us prior for pre-approved finance or simply to get quotes based on the estimated price of the RV you have your eye on. Don’t abandon caravan ownership plans before speaking with us. **Contact Jade Caravan Finance for a cheaper caravan loan.** *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.* **Categories:** Caravan Tips --- ### [Understanding Your Caravan Needs](https://www.jadecaravanfinance.com.au/blog/caravan-articles/understanding-your-caravan-needs) **Published:** September 24, 2015 **Author:** Publisher **Content:** As with any major purchase, planning can make a difference in your overall experience in purchasing your first caravan. With so many options currently available on the market, taking a little bit of time to think through the process can save you a few headaches down the road. Before purchasing your first caravan, consider looking into [caravan loans in Perth](/ "Invest in your dream caravan in Perth with our loan program") and the following five situations when purchasing your first caravan. ## Consider who will be joining you A caravan loan is typically a long-term investment and your caravan should suit your personal lifestyle now and in the future too. Take the time to evaluate your current motorhome needs; will they be changing in the near future? Perhaps you’ve got school-aged children who will be leaving for post-secondary education. Make sure that the caravan you choose now will accommodate into the future as well. ## What destination did you have in mind? If you’re the type who likes to make their way around the country, it might be easier to purchase a smaller caravan that travels quickly – to save you time and hassle of moving between parks. If you’d like to purchase a caravan and leave it in a stationary location (like a motorhome park) than you’ll be more comfortable with a larger option that can simply set up and leave there. Either way, it’s important to ask yourself how often you plan on moving around with the new purchase and be realistic about the implications of choosing an impractical motorhome for your needs. ## How often will you be travelling? If you’re planning on using your caravan for shorter trips (think a weekend getaway) the smaller motorhomes or pop up options will be a better choice for your family. That’s because it doesn’t take as long to pack up and maneuver when you’re traveling. If you’re planning on traveling for extended periods of time, it might be beneficial to choose a caravan that’s a larger space with more room to breathe in the event of bad weather. ## Where will it be stored when not in use? Are you going to be storing your caravan on your property when you’re not using it, or will you be renting a location to house the camper? If you’re planning on storing it on your property, how much room will you have available to properly store it? Make sure that you choose a caravan that will fit into the storage space you have in mind – or look into renting options before committing to a larger vehicle. ## What amenities do you need to have? If you haven’t considered how much living space you’ll likely require, it’s important to be honest about your exact needs in the beginning – before purchasing more motorhome than you actually need. Using the best caravan loan calculator can help you budget effectively for your purchase. Take into account how often you’ll be travelling or vacationing with guests, how many people will be sleeping in the motorhome and what type of sleeping options suit your family’s lifestyle. Also, consider how many people will typically be inside the caravan in the event of bad weather – to ensure the living space isn’t too small or cramped during your stay. There are many government resources regarding caravans, [click here](https://streetsmarts.initiatives.qld.gov.au/caravans-and-towing/ "Visit the Queensland initiatives website for caravans and towing info") for one of them. **Categories:** Caravan Buying Articles --- ### [Difference In Camping Vehicles](https://www.jadecaravanfinance.com.au/blog/caravan-articles/difference-in-camping-vehicles) **Published:** October 3, 2015 **Author:** Publisher **Content:** Enjoying the great outdoors and the amazing natural beauty of Australia is amazing when you can do it from a camping vehicle. Learning the differences of these vehicles, will help you decide on which one to buy to fit your intended camping adventures. Each style is better suited to different lifestyles. As RV, just means a recreational vehicle, most people are confused when it is applied to all of the following vehicles. Just learn the difference and know that they are all RVs and you will be well on your way to making a choice. ## Campervans Starting with this small RV first just makes sense. For those adventurous young souls that simply want to explore this great country and continent, this agile little vehicle can get you almost anywhere. A Campervan as the name suggests are converted vans that offer minimal amenities for camping such as beds, small cook tops and some even offer bathroom facilities. However, space is at a premium in these vehicles and can only accommodate people that do not mind cramped quarters. The advantage of course, is that they also provide the most fuel efficient option as well as the most compact option for getting into smaller areas where larger vehicles cannot go. Small families or seasoned individual travellers will love this RV. ## Caravans Technically since Caravans are un-powered trailers without a vehicle portion to them, they are not RVs, although they are still often called RVs. A Caravan requirs another vehicle to pull them to their destination. They are larger than Campervans but smaller than Motorhomes generally, although some large Caravans can be larger than some smaller Motorhomes. The benefits of Caravans are that you can tow them to their destination, unhook the towing vehicle and have a run-around vehicle at your destination. This allows easier traveling to get groceries without having to drive a large vehicle everywhere. Caravans provide a lot of amenities including decent bedding, kitchens, bathrooms with shower stalls and the ability to connect to utilities such as electrical and water at most campgrounds. Great for extended vacations and holidays, Caravans offer the best of being mobile and enough amenities for a family to get by on. ## Motorhomes Motorhomes on the other hand is what most people immediately associate with the word RV. They are the master class of camping and offer the largest form factor for those that want to enjoy life in the great outdoors but have the comforts of home as well. Large vehicles like motorhomes are somewhat restricted to very remote areas simply by their size, but also offer the best option for retirees or families that want to enjoy summer-long adventures driving cross-country to enjoy all Australia has to offer. With the advantage of very limited set up and tear down, they are essentially floating hotels on wheels. [Financing a motorhome](/motorhome-loans "Check out our motorhome funding options") can make this dream accessible. Stop and sleep, get up and drive. More Information on this topic can be found here: [https://en.wikipedia.org/wiki/Caravan](https://en.wikipedia.org/wiki/Caravan "Click here for details about caravans on Wikipedia") Choose the size of RV that fits your lifestyle and budget with convenient leisure caravan, camper or [RV loans](/rv-finance "Discover affordable motorhome loan plans"). **Categories:** Caravan Buying Articles --- ### [Camping With Pets](https://www.jadecaravanfinance.com.au/blog/caravan-articles/camping-with-pets) **Published:** October 3, 2015 **Author:** Publisher **Content:** With a growing population of pet owners becoming caravan owners, and the availability of [caravans on finance](/ "Find the perfect loan for your caravan purchase"), it’s no wonder that many are wondering how to incorporate their animals on their vacation plans. While there are quite a few individuals who find alternate accommodations for their pets during their vacation time, many want to bring their pets with them. While it isn’t always an easy transition, it is possible to include your family pets on your caravan trips. ## Ensure the park permits animals before arriving Every park has a different set of rules and regulations you must follow, from alcohol on the property to site specifications; contact the park before your arrival and ask them about any policies regarding pets on the site. It’s a good idea to note any conditions they might have when bringing your animals too – whether they need to stay on the campsite the entire trip or whether they’re prohibited from certain areas of the property (like the beach or public park areas). ## Make sure your pet is vaccinated Although your pet will likely stay with you the entire trip, having an issue with local pests (like mosquitoes, fleas and ticks) can always be a problem for your animals. Make sure you talk to the veterinarian about any concerns you might have before leaving. Likewise, it’s always a wise idea to have your pet immunized against rabies, which is a fatal disease carried by some wild animals or bats. ## Keep your pet leashed at all times Although your dog might be well behaved on your property, being on new property with different sights, smells and animals can entice even the best trained pet. Make sure you always have your pet on a lead (even if you’re on the campsite) to maintain control of your dog. If you’d like to give your dog more freedom, invest in a long lead with ground anchor. This way, your pup will still be able to sniff and wander around the site but will remain controlled in the event of any problems. ## Keep your animals inside at night time Most predators come through campsites in the evening and night hours, making your outdoor dog a prime target for attacks – especially if they’re unfamiliar with the animals native to that park. Make sure that you bring your pets in at night time to ensure they’re not susceptible to animals, insects or the elements. At night, make sure you take a quick walk through the campsite and pick up any pet items that could be a scent to your dog. This should always include any food bowls that were left out during the day and any water receptacles that your pet gets fresh water from. ## Clean up after your pet It might seem obvious to most pet owners, but some individuals forget to tidy up after their pet while camping in their caravan. If you’re travelling with [cruizy campers](/blog/caravan-articles/showcase-cruizy-campers-vagabond-teardrop-caravans/ "Click here to Discover Cruizy Campers information"), make sure that you rinse down any urine patches (to prevent burning the grass) and bag any excrement and throw it away in the proper trash locations. A helpful site to assist on planning your next camping trip – visit the [government website for camping information.](https://www.nationalparks.nsw.gov.au/camping-and-accommodation "Visit government webpages for the latest camping updates") **Categories:** Caravan Buying Articles --- ### [5 Caravan Safety Tips](https://www.jadecaravanfinance.com.au/blog/caravan-articles/5-caravan-safety-tips) **Published:** October 3, 2015 **Author:** Publisher **Content:** No one wants to think about the unexpected in life, especially while on vacation with their friends and family. The truth is, however; accidents and problems can happen virtually anywhere, even on your vacation. To help you stay ahead of any potential problems, remember these five safety tips on your next caravan vacation adventure: ## Try to arrive before dusk If you’re arriving at a new campsite or park, try to arrive a few hours before sunset, if possible. That’s because, trying to set up your site in the dark severely limits your ability to recognize any problem areas on the site – like a divot in the ground or poison ivy among the trees. Not only will setting up in the sunlight be easier, it can help you spot trouble ahead of time. ## Set clear expectations with children. If you’re travelling with children (or teenagers) take the time to set clear rules and boundaries as soon as you arrive at the park. Whether it’s a specific distance they’re allowed to explore or whether they need to return back to the caravan at a certain time – giving explicit instructions will help set the tone for the rest of the vacation. Make sure you tell children why you’re setting the limits and help them understand what the repercussions will be should the rules not be adhered to. ## Never travel alone, if possible. Whether you’re going on a hike in the woods or whether you’re going swimming at the beach, try to ensure you have another person with you, whenever possible. Travelling in groups of two or more can help ensure your safety in the event something happens (like an injury or illness). If you have to travel alone, make sure you let someone know where you’ll be and how long you’re expecting to be gone – so should you not return, they’ll know how to find you. ## Be prepared for emergencies. An accident happens in only moments, which is why you need to be prepared in the event something goes wrong. Make sure you take the time to research nearby medical facilities (like a dentist, hospital and pharmacy) before an emergency happens. Chances are, you won’t need to visit these locations, but knowing where they are when problems occur can calm an otherwise chaotic situation quickly. ## Have respect for nature and your environment. If you’re visiting a nature park or caravan site, especially if you’ve taken advantage of [camper van finance](/motorhome-loans "Find the perfect loan for your camper van purchase"), it’s too easy to forget the normal rules and boundaries you might follow at home. Make sure that you always give wild animals (including domestic animals) distance; never approach an unfamiliar animal while on vacation. An animal can turn on a person quickly, leading to injuries, infection or other long-lasting health implications. Make sure food is put away every night to keep wild animals or pests from visiting your site. This includes any spilled food, treats or pet food that might be left out throughout the day. Also always remember the fire code – Here is a great site to assist with [Australian camping guidelines](https://www.cfa.vic.gov.au/plan-prepare/caravan-park-fire-safety/ "Get familiar with Australia's camping code of conduct") Jade [Caravan Finance Australia](/ "Click here for Australian caravan financial solutions") – Motorhome, Camper and Caravan Loans **Categories:** Caravan Buying Articles --- ### [Checking Your Tow Vehicle](https://www.jadecaravanfinance.com.au/blog/caravan-articles/checking-your-tow-vehicle) **Published:** October 3, 2015 **Author:** Publisher **Content:** Most owners know the freedom and comfort that comes from owning a caravan – whether it’s the weekend retreats or discovering new territory. In fact, when you’ve decided to apply for a caravan loan, you’ve probably envisioned the same future. For many, however; towing the caravan hasn’t come into the equation, until after the caravan loan has been approved. So what do you need to know about towing a caravan? To help you make an educated decision, we’ve compiled a list of five key things you need to consider: ## Is this an everyday vehicle or will this vehicle be used just for towing the caravan? Before you purchase a new vehicle to pull your caravan, take the time to weigh out the benefits of having an everyday vehicle replaced. For instance, do you have to commute extended periods of time for work? While it might seem cheaper to simply replace your old car with a newer, heavier model, it might not be that simple when you factor in fuel charges, maintenance and other added expenses. ## Who will be driving your new vehicle? If you’ve decided to purchase a vehicle to pull your caravan, determine which family members are going to be using it throughout the year. If it’s possible, look for a vehicle that works well for everyone who will be driving the vehicle – you don’t want to have an over-sized vehicle that is too much truck for the main driver. Consider how the vehicle’s maintenance is going to impact your finances as well, especially with your caravan loan being added to the budget. ## What features do you need to have? While the towing capacity of most trucks and larger SUVs can be similar, the features of a vehicle can change substantially. List out some of your most important features you’d like to have – whether that’s storage solutions, extra seating or entertainment additions, and stick within the list you’ve outlined when you go shopping. ## How much can you afford? Purchasing a second (or third) vehicle can put serious strain on your finances, especially if you consider the maintenance, fuel charges and repairs that can add up throughout the years. Determine how much you can afford for a new vehicle purchase before browsing and stick with the budget you have in mind. Don’t forget to include your caravan loan into the budget too. ## How heavy is your Caravan? Depending on the specific size and weight of your new purchase, the type of vehicle requirements can vary substantially. For instance, a smaller pop-top can likely be pulled by a sedan – instead of needing to purchase a new heavy-duty truck for the trips. Make sure you check with the vehicle manufacturers for all towing or weight restrictions before taking your first trip as having an improper match can lead to catastrophic events. To be safe, it’s always best to talk to your insurance carrier as well – to identify any restrictions or liability issues you might have in the event there is an accident during your trip. If you are unsure and need further information on towing – [Visit Here](https://roads-waterways.transport.nsw.gov.au/ "Explore financing solutions form Jade Caravan Finance") or contact Jade [Caravan Finance](/ "Explore financing solutions form Jade Caravan Finance") online or Call 1300 000 003 **Categories:** Caravan Buying Articles --- ### [Caravan First Aid Kit Ideas](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-first-aid-kit-ideas) **Published:** October 10, 2015 **Author:** Publisher **Content:** Whether you’re an occasional traveller or live to get away for the entire summer, having a properly packed first aid kit is important. An accident can happen quickly and it’s important that you’re prepared for it – from bee stings to rashes, and more. Unfortunately, many people don’t realize how improperly their standard first aid kit is, until they need to use it. That’s why we’ve compiled a list of 12 items to include in your caravan first aid kit. ## Band-Aids Most standard first aid kids come with bandages, but they generally don’t include the amount you’ll need throughout the caravan season. Make sure you invest in a few different sizes (from small to larger area coverage). Look for high-quality options that can stay attached when submersed in water or during physical activity. ## Antiseptic Cream/Spray Make sure that your caravan first aid kit contains a product designed to clean out any minor scrapes or cuts – especially while you’re vacationing. Always follow the product instructions and keep a note of the expiry dates. ## Pain Relief Tablets Good for headaches and random pains, it’s important to have at least a few tablets on hand in the event you come down with a bad flu, twisted ankle or headache. Most tablets last a one year to eighteen months before expiring – so keep an eye on the dates. ## Tweezers and a Pin Insect stings and slivers can be difficult to remove without the proper tools, so ensure you have a pair of flat tweezers handy should you need to get something out of your skin. Always remember to apply the antiseptic cream after removal to prevent infection. Remember to put the tweezers back in the kit when you’ve finished with them. ## After sun products A sun burn can cause mild to severe discomfort depending on the burn’s degree. There are several different topical products you can use to help cool the skin and prevent the burn from blistering. Make sure you have a product to ease the physical discomfort of the sunburn in combination with some pain relief tablets. ## Antihistamine Tablets There are hundreds of plants, bugs and pests that can cause an allergic reaction, which is the last thing you need to deal with on your vacation. Look for an oral antihistamine product that can reduce allergic symptoms (hives, itching, and swelling) and lasts at least four hours. In the event of a known anaphylactic allergy, always ensure you have an Epipen on hand in the first aid kit (in addition to the Epipen you carry with you). ## Slings, Splints and Gauze Although a medical emergency should never be treated from a Caravan, it’s important to have the proper medical supplies needed to get you to the nearest treatment facility. As you consider preparations for your journey, and possibly look into [camper financing](/camper-trailer-finance "Find the perfect loan for your camper purchase"), ensure you have a few rolls of gauze, one splint (a straight piece of wood can work in a pinch), and a sling is readily available in your first aid kit for larger emergencies. Last of all remember to visit the [government websites for camping](https://parks.des.qld.gov.au/camping/bookings "Find camping details and regulations on government pages"). [Jade Caravan Finance](/ "Browse our selection of Jade Caravan Financing plans") – More Than Just Camper Loans **Categories:** Caravan Buying Articles --- ### [Camping Checks To Rememeber](https://www.jadecaravanfinance.com.au/blog/caravan-articles/camping-checks-to-rememeber) **Published:** October 10, 2015 **Author:** Publisher **Content:** When you’re getting ready to hit the road in your caravan for your next big vacation (or small weekend getaway), expenses can add up really quickly. That’s because we’re less likely to track our spending when we’re on the road for some fun and adventure. Unfortunately for most, these hidden expenses can put a serious indent on the monthly budget – especially if you’re trying to stick with an allotted amount. To help you stay on track during your next vacation, remember these six things in your budget: ## Food and Treats The average family miscalculates their food budget when they’re at home, and that number can grow exponentially when they’re on vacation (with a more lenient budget). If you’re hoping to keep the spending under control, write a list of all the food you’d like to bring up in the caravan with you. Account for proper leftovers, lunches, snacks and any beverages you’d like to have too. Don’t forget to look through any stores for sale prices or coupons. ## Alcoholic Beverages Far too often a night of drinking can turn into a full party—leaving an empty wallet the next morning, which can be a problem if you’re not budgeting for the expenses. Make sure you take the time to determine which drinks you’d like to have with you and spend a few minutes determining just how much the purchase is going to cost you. ## Gas and Vehicle Maintenance Regardless of the vehicle size, pulling a caravan can substantially impact the amount of fuel you’re going to consume while you’re traveling to your destination. More importantly, you’re also going to put more pressure on the engine and overall wear and tear on the vehicle itself as well. Make sure you budget a larger fuel amount and also any oil changes that might be needed before your trip into the expenses. ## Campsite Fees and Expenses When you’re booking a new campsite make sure you ask about any fees, taxes or additional surcharges that might get added on to your final bill. Some campsites may require a deposit against damages, additional vehicle expenses or dumping charges – so it’s always better to clarify before you wind up having to pay a lot more for your vacation. If you are unsure visit the government website on camping. ## Firewood, Water or Ice Expenses There’s something about being outdoors that simply calms the nerves, but it’s easy to get carried away with the extra expenses. There are many small expenses that can add up to a large impact if you’re not careful. Bags of wood, ice and other miscellaneous expenses should all be budgeted into your vacation fund. On average, expect to go through a bag of wood a night – this way if you use less, you’ll have a little more to spend on other things. ## Emergency Expenses No one ever wants to think of something going wrong on vacation, especially if its a larger expense like a car repair. However, when considering your budget for a vacation or a caravan purchase, it’s important to factor in [caravan loan interest rates](/interest-rates "Click here for information on caravan loan interest rates"). Make sure you take some of these larger expenses into account and have them available should an unfortunate situation arise that requires your attention. From [Jade Caravan Finance](/ "Start your caravan ownership journey with Jade Caravan Finance") we hope our information helps you have an easier stressful camping holiday. **Categories:** Caravan Buying Articles --- ### [Product Showcase: New Age 20 ft Commando Series](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-new-age-20-ft-commando-series) **Published:** June 2, 2016 **Author:** Publisher **Content:** ## Take command off the road The [New Age](https://www.newagecaravans.com.au/ "Explore New Age's caravan product range") Commando Series is a serious contender for those wanting to explore in an off-road direction but the only ‘roughing’ it they want to deal with is the road conditions. Considered by many to be the ultimate in off road caravans for build quality, accommodation and above all, ability and performance, the Commando has been become extremely popular with those heading off on longer trips. A 20 ft off-road caravan set to take the adventurous on extended explorations in comfort. ## Equipment and Features The first thing you notice on the Commando is the distinctive colour scheme and graphics design, which is perfectly on message with the name. Not easily seen but clearly obvious in performance, is the armoured platforms underneath, considered one of the best on the market. Heavy-duty checkerplate protection is given to everything underneath including the all-important gas lines and water tanks. Alko IRS suspension is standard as is Alko ESC and the ATS tracking system. Other standard features on this not so standard caravan, include 120 w solar panels; large fridge; DVD player; 24” TV; air-conditioning; galvanised sheeting under the flooring; generator box and jerry can holders mounted to the A frame. The no-nonsense looks are in contrast with the comfort inside the Commando, with an interior where function and style happily co-exist. Sleek lines with a sensible floor plan which not only creates a spacious feel but actually is spacious and easy to move around in. The en-suite is particularly impressive with separate enclosed shower, extensive bench space and cupboards and wall-mounted front loader washing machine built it, which saves floor space. The kitchen is well appointed with top end appliances and very workable layout. The sleeping area is quite luxurious and throughout, plenty of cupboards and storage which have been cleverly yet stylishly installed. Outside has not been overlooked with an external shower and speakers and a BBQ with gas bayonet. The Commando 20 series will take total command of your off-road life. ## Locally Built The Commando 20 Series is another impressive addition to the New Age Caravans line up which covers a comprehensive collection of caravans of varying styles and sizes to suit just about everybody. The company started in 2009 and, with options like [RV financing](/rv-finance "Browse our RV finance packages"), they have maintained their original commitment to keeping abreast of and leading in technology and the latest construction techniques. A commitment which has seen New Age Caravans continue to deliver caravans that the modern buyer wants – five star comfort and affordable quality, in both on road and off road models. Engineered and built to suit Australian conditions with superb safety, comfort and luxury throughout. The company operates a state of the art facility in Epping, Victoria, building their range right here in Australia with two factories, employing over 130 people and producing over 1,000 caravans per year. If it’s time for you to command the off-road and purchase a New Age Commando 20 Series caravan then it’s time to talk with a Jade [Caravan Loans](/ "Discover affordable caravan financing plans") Consultant to organise your loan. Why not speak to us before you head to the dealership to organise a pre-approved loan Contact Us *1300 000 003* **Categories:** Caravan Buying Articles --- ### [Product Showcase: Jayco Silverline](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-jayco-silverline) **Published:** June 2, 2016 **Author:** Publisher **Content:** ## Flagship luxury and sophistication The [Jayco](https://www.jayco.com.au/ "Explore Jayco's caravan product range") Silverline is the latest flagship range for this much-loved Australian caravan manufacturer and with its comprehensive list of standard inclusions, is set to be much-loved by those who love touring in luxury. The Silverline range includes 21 ft, 23 ft, 24 ft and 25 ft models with varying floor plans and all are available with either the Touring or Outback variation. The exterior is sleek and the interior sophisticated. The Outback version includes elements to cater for adventures beyond the bitumen including higher ground clearance and enhanced specifications. ## Built on Durability With over 40 years of experience in building caravans, Jayco has developed its own proprietary structural elements which are included on all their vans and ensure buyers they are receiving genuine Jayco quality. Standard on the Silverline is the Jayco Endurance Chassis, JTech Suspension, Tough Frame fully insulated walls which are hail and dent resistant and an aluminium frame for durability and longevity. ## Luxury Interiors Time in your Silverline is like a luxury holiday. For every moment there is a special thought. Spacious, multi-zone design layouts allow you to relax in the designer leather dinette seating. Preparing meals is a pleasure in the fully equipped kitchen with four burner cooktop, 190 L two- door fridge freezer, stainless steel sink, soft-close drawers and high-end appliances. Be entertained with a 21” TV and CD/radio system with both interior and external speakers. Drift off in comfort on an inner spring mattress with pillowtop and refresh in the en suite with extensive storage and welcomed square shower recess. A 3 kg built in washing machine is also included as is a large roof hatch for additional natural light. You can semi-customise your Silverline with a choice of colour schemes to select from with several trim options. ## Safety, Security, Support A triple lock door with a separate security screen provides security and a 120 W solar power system covers your power requirements. The Jayco Silverline, including their range of [micro caravans](/blog/caravan-articles/when-size-matters-small-and-micro-caravans/ "Check out the latest micro caravan designs"), is luxurious and practical, and the sensibilities extend well after purchase. A roadside assist plan is available and nationwide support is provided from the large network of Jayco dealers and service centres across Australia. Jayco was established in 1975 and now has over 100,000 customers. The company offers a comprehensive range of caravans, pop-tops, RVs, camper trailers, toy haulers, expandas and more from its base in Dandenong, Victoria. Employing in excess of 1,000 people and boasting a 60,000 sq m manufacturing facility, Jayco is one of the most respected caravan builders in Australia. Tours of the factory are available for the general public. Jayco Caravans and RVs are available from dealers throughout Australia and New Zealand and the company has over 100 service agents. If top of the line is where you see yourself and a Jayco Silverline is top of your caravan purchase list, then why not speak to a Jade Caravan Finance Consultant before you even speak with the dealer. Your consultant will offer you the [best caravan finance](/ "Browse our best-in-class caravan finance packages") and even a pre-approved loan if required. Your Jade caravan loans broker will handle all the details for you from your initial enquiry through to settlement. Contact Us 1300 000 003 **Categories:** Caravan Buying Articles --- ### [Lotus Tarmac Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/lotus-tarmac-caravan) **Published:** July 1, 2016 **Author:** Publisher **Content:** ## Unique on-road caravan With the Tarmac, Lotus presents a brand new, highly prestigious on-road van with breakthrough technology and luxurious style, fixtures and appointments. A total lifestyle caravan with an impressive list of key features both inside and outside. The Tarmac is available in both single and tandem axle configurations and four body sizes, 17’6” to 21’. As the name implies, it is designed as an on-road van but has much of the Lotus signature off-road looks. ## Specs and Features Innovative composite panelling head the list of key standard features as it is constructed with a Meranti timber frame covered with 3mm Dibond aluminium composite panels. Walls and roof are insulated and the floor is marine ply. Notably, the Tarmac is fitted with the Dexter TORFLEX independent rubber axle suspension – apparently the first in the Lotus line-up. Electrical controls are easily and well located with standard inclusions a 150w solar panel, 120amp battery, 25 amp Project battery charger and 30 amp ProStar solar controller. Two 95 L water tanks and two 9kg gas bottles are standard. ## Interior Luxury A number of layout configurations are available but all follow a similar design of queen sized bed up front, well equipped kitchenette, high quality upholstered dinette and a generous, rear ensuite. The interior is modern luxury all the way with Italian leather upholstery, premium quality laminate kitchen benches, on-trend ‘handle-less’ cabinetry and Euro-style double glazed windows. Looks are one thing, but Lotus also focuses on user-friendly features throughout. The dinette table is tri-fold to create space and streamlined flow, the dinette seating has pop-out footrests to create a lounge environment and storage abounds – everywhere! The kitchen is not only well-equipped it is inviting with a large window above the bench/prep area, top of the range Thetford oven, 190L fridge and stainless steel slimline rangehood. Covering the entire width is the equally luxurious ensuite with ceramic toilet bowl and vanity basin, Dometic cassette toilet, large vanity mirror, separated shower and toilet, towel rails and top loading washing machine. The bedroom is luxurious with a number of wardrobes, both half and three quarter, innerspring mattress bed with bedhead, generous storage options and windows on either side of the bed. Double glazed, tinted windows are fitted with blinds and screens. ## Quality Craftsmanship For over 10 years, Lotus has shown its commitment to manufacturing to the highest quality craftsmanship, incorporating leading edge technology without sacrificing luxury and enjoyment. They built caravans to handle Australian conditions and back their commitment with a 2 year warranty on all 2016 onwards vans. [Lotus Caravans](https://lotuscaravans.com.au/tarmac/ "Explore the offerings from Lotus Caravans on their official website") manufacturing plant is located in Victoria and their range of both on-road and off-road caravans can be ordered from dealers in most states of Australia. If the Lotus Tarmac looks like your kind of luxury, make a call to [Jade Caravan Loans](/ "Learn more about the financing solutions provided by Jade Caravan Loans here") and arrange caravan finance before you speak with the dealer. Jade Caravan Finance can arrange pre-approved cheap [campervan loan interest rate](/interest-rates "Explore interest rates for campervan loans here") packages to suit your specific requirements. As an experienced caravan finance broker for good and bad credit caravan loans, with specific knowledge and expertise in sourcing great finance deals for caravans, RVs, campers and other recreational vehicles we have access to specific loans for caravans. Not all banks and lenders have specific caravan loans!. Your Jade consultant will handle all the details of the loan approval process for you, so you can concentrate on planning your first trip in your new Lotus Tarmac **Categories:** Caravan Buying Articles --- ### [Avida Topaz Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/avida-topaz-caravan) **Published:** July 1, 2016 **Author:** Publisher **Content:** ## Award-winning ultra-luxury The Avida Topaz is 2014 winner of Caravan World Best Aussie Caravan Award and is a premium quality caravan with ultra-luxury features. In 2015 Avida issued a special 50th anniversary edition of the Topaz, celebrating their 1965 start in the industry, with additional features but the standard models lack very little in top of the market appeal. The Topaz range is available in the on-road Tourer Model and the Multi Terrain model for more rugged environments. The key difference is in the choice of Cruisemaster CRS independent coil suspension. ## Engineering and Design Expertise Avida is renowned for their continual investment in advanced technology and the Topaz incorporates many of the company’s unique construction features including their unique sandwich panel wall, roof and floor construction and their unique interlocking roof/wall and wall/floor system. The Topaz is a slide out design which creates an additional 600mm width running over 4m on the offside. For easy set-up, the slide-out is simply operated by pressing an internal switch! ## Features and Finishes Step inside and the high quality of the fit out is immediately apparent. Massive windows to allow in light and reveal the views, ultra-leather appointments, adjustable and swivel dining table, high quality easy clean vinyl flooring, queen sized lift-up bed operated by has struts to reveal under bed storage, reverse cycle air conditioning and the list goes on. The bathroom is light and bright with sufficient space, separate shower, ceramic basin, mixer taps and, one of the unmissable Topaz features – more storage! Storage is everywhere, allowing everything to be in its place, providing more space for enjoying life in your Topaz. The kitchen follows the theme with not only plenty of storage but also a lot more bench space than expected in a van of this size. Very well considered and engineered with precision. Splashback, 190 L fridge, LPG and electric cooktop, microwave, gas griller combo, stainless steel sink and stainless steel rangehood are all standard. Function is not sacrificed for luxury with 2 x 120L water tanks, 2 x 9kg gas bottles, external shower with both hot and cold water and a comprehensive list of electricals all standard on both models. ## Streamlined and Spacious The living and dining area benefits greatly from the slide-out which creates a very spacious and streamlined feel to the interior. Look here at their company website [https://avidarv.com.au/](https://avidarv.com.au/ "For more information, visit the official Avida RV website at avidarv.com.au.") Avida offer a number of layout options for the 21 foot and 23 foot models and plenty of choice in interior décor finishes to personalise your Topaz to suit your own style. Magnificently appointed and superbly constructed, the Avida Topaz is possibly also a winner on your caravan wish list. Contact the Avida Head Office in Emu Plains in Sydney to discuss purchasing a Topaz and contact Jade Caravan Loans to discuss finance. Jade Caravan Loans have the expertise, experience and vast accreditation with lenders to source you a sensational caravan finance package. As experienced [caravan finance brokers](/ "Connect with experts in caravan finance brokerage here"), we are not locked into dealing with one bank or caravan loan company. We have access to loan products from over 40 lenders, including options for [rent to own caravan Australia](/caravan-lease "Discover rent-to-own options for caravans in Australia"), so we can hand pick the product that is best suited to your requirements. You will be appointed your own Jade consultant who will assist you and guide you through every step of the process. **Categories:** Caravan Buying Articles --- ### [Product Showcase: Jayco Journey](https://www.jadecaravanfinance.com.au/blog/caravan-articles/product-showcase-jayco-journey) **Published:** August 12, 2018 **Author:** Publisher **Content:** ## Top of the range Pop Top The [Jayco](https://www.jayco.com.au/) Journey is the flagship in the company’s range of Pop Top models with sleek lines and plenty of comfort and luxury inside. The Journey is available in 16 ft and 17 ft models with varying floor plans, with your choice of up to 8 layouts so you can select the one to suit your lifestyle. Built in Australia by arguably Australia’s most well-known name in caravans and RVs, the stylish, practical Jayco Journey offers great value for those seeking a mid-market RV. ## The Journey Features The wide choice of layout on both models and the opportunity to select you choice of interior finishes including the décor, laminex, curtains and floor vinyl allows you to somewhat customise your Jayco Journey to suit your journey. The interior is all about functional comfort with double glazed windows which are placed to great effect to bring the outside in and create a spacious feeling.Cooking facilities are neatly set out with practical considerations and luxury touches including a Smeg 4 burner cooktop, stainless steel sink with a chop and serve board and reasonable bench space for food preparation. The L-shaped seating area is finished in durable fabric with handy storage both under the seats and in overhead compartments. Ensuite bathroom, comfortable bedding and delightful décor give the Journey a wonderful interior ambience.Engineering and manufacture is uncompromising with and endurance hot dipped galvanised chassis and strong frame. All vans undergo rigorous testing in the company’s Quality Assurance Centre at their Dandenong facility.The Jayco signature JTech Suspension offers greater stability, a smoother ride and more precise handling and is included on all Jayco vans. One of the special features of Jayco vans is the Setec power converter which has been specifically made for the company for reliable power supply in even remote regions.A range of optional extra features are also available including slide out BBQ, bike racks and bed converter. ### Well-Known Aussie Company Jayco has been building caravans in Australia for over 40 years and have built an enviable reputation with over 100,000 customers. Based in Dandenong, Victoria, the company employs over 1,000 people and boasts a 60,000 sq m manufacturing facility. For those facing financial challenges, some dealers might offer options like [caravan loans poor credit](/bad-credit "Click Here to Discover caravan financing options for individuals with less-than-perfect credit") to assist potential buyers. Jayco is so proud of their factory they even extend the invitation for the general public to come along for a factory tour. Jayco offer an extensive warranty program which includes a 12 month protection plan and complimentary 3 years of roadside assistance. Through their Dealer and Service Network, Jayco Caravans and RVs are available from dealers throughout Australia and New Zealand, and the company has over 100 service agents. **If you need assistance with any lending for both private and dealer sold leisure goods, speak to a Jade Caravan Finance Consultant to organise your loan. Try our easy online [caravan loans](/loans "Caravan Finance Rates") quote request** **Categories:** Caravan Buying Articles --- ### [COVID-19 - A Good time to buy a caravan?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/covid-19-a-good-time-to-buy-a-caravan) **Published:** April 23, 2020 **Author:** Publisher **Content:** The coronavirus pandemic has changed a lot of things in our lives and many of these changes we are told could be for a long time, if not permanently. One stand-out is in the area of travel and holidays. With Australian borders closed indefinitely, many interstate borders closed, airlines grounded and cruise lines suspending operations for the time being, our choices for getting away have become far more limited. And don’t we all yearn for those getaways after extended ‘stay at home’ orders across the country. Many people have been spending that stay at home time in research and planning their holidays and travel into spring and summer and even into 2021. ## Interstate Travel – Corona Virus International travel is looking very doubtful with coronavirus cases in many countries outside of Australia, still yet to reach peak, let alone flatten the curve. So heading overseas is probably doubtful. Booking a cruise is possibly not a reliable choice right now either, although it has been reported that cruise bookings have been on the rise. But in being asked for an opinion on that in an interview, Tourism Minister Simon Birmingham said anyone booking travel should have an iron clad insurance policy. [Interstate travel](https://www.health.gov.au/news/health-alerts/novel-coronavirus-2019-ncov-health-alert/coronavirus-covid-19-advice-for-travellers "Discover more about traveling between states here") is still a possibility but until the situation around Virgin Australia is resolved, air ticket prices and availability will remain in doubt. Considering those factors, it’s not surprising that caravanning has surged in popularity as a realistic alternative to international and domestic travel and for a lot of good reasons, here’s a few:- - Caravans, RVs and camper trailer vehicles offer the flexibility to go pretty much when and where you want with minimal preparation and virtually no bookings required. - Even if interstate border restrictions are extended into a longer term scenario, every state has many great places to explore by caravan. The bush fire affected regions in particular are desperate for tourists to return to assist their recovery. - The cost of using a [holiday park](https://www.discoveryholidayparks.com.au/ "Discover accommodations at a vacation park near you") is minimal when compared with say a hotel room and you have all their facilities to enjoy. - Caravanning suits all ages – from young families through to our grey nomads. ### So if you’re considering buying a caravan, is now the right time? Although the current autumn temperatures are well above average, winter is on approach and the colder months are not usually the most popular for caravan sales. But 2020 is far from a normal year so not a lot can be judged on historic trends! Like all industries, the caravan sector has been hit hard by COVID-19 with parks forced to close and travellers having to pause their own plans. All that inactivity will surely be taking a toll on the caravan and RV manufacturing sectors. Many of the caravan, camping and travel expos and regional shows will have to be cancelled for this year due to coronavirus mass gathering restrictions. A lot of manufacturers would have been planning to launch new models this year and use these shows as major marketing opportunities to drive sales. With no shows and none of the orders expected to flow from those shows, manufacturers and dealers must have stock they need to move. More stock means better prices! Be first in for the best deals. NOW is the better time than possibly in a few weeks or months. Why? Because more and more people might start to have the same idea and the greater the demand, the less chance of getting a great deal. Another emerging factor is the global slump in oil prices which look set to give Australians cheaper pump prices into the near future. For caravanners, this means it will be less expensive than in other times to tour this great country or just explore your state or local region. When it comes to sourcing a loan to buy a caravan or [finance camping trailer](/camper-trailer-finance "Explore financing options for your camping trailer purchase"), there are also significant reasons to indicate that now is a good time. Top of the list has to be interest rates. Due to numerous reasons, [current caravan loan interest rates](/interest-rates "Stay updated on the latest interest rates for caravan loans") have been on a downward trend for some time and that has been accelerated due to coronavirus. These current historic low interest rates will make your caravan loan a lot cheaper than in other times. How long the rates will be kept at this level – we can’t predict that timeframe. If that’s enough reasons to get you thinking about buying a caravan then give us a call to discuss finance. **To discuss your [caravan finance options](/ "Explore various choices for financing your caravan"), contact us on 1300 000 003 to speak with a Jade Caravan Finance consultant.** *DISCLAIMER:THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Lotus Caravans: Showcase](https://www.jadecaravanfinance.com.au/blog/caravan-articles/lotus-caravans-showcase) **Published:** July 28, 2020 **Author:** Publisher **Content:** [Lotus Caravans](https://www.lotuscaravans.com.au/ "Visit the official Lotus Caravans website for more details") essentially redefines the concept of going off-road. This manufacturer is opening up exciting new travel options for both the adventurous spirited and those that have a more conservative approach to touring. Caravans which combine the tough and rugged features you need to take on those rarely-travelled tracks but with the luxury inclusions that you just don’t want to leave at home. Caravanning in a Lotus Caravan is truly boutique touring. The company commenced operations in 2004 and has quickly built a reputation in a highly competitive marketplace for vehicles manufactured to the highest standards of craftsmanship and quality. Located in Victoria, Lotus manufactures a range of on-road and off-road caravans which feature the company’s unique frame and plenty of floorplan options and models to appeal to a wide range of buyers. Whatever type of caravan buyer you are and whatever Lotus Caravan model appeals to our touring plans, speak with Jade Caravan Finance about a great caravan loan. ## The Lotus Collection The Lotus Caravan range includes the Trooper, Overlander, Off Grid and Family ranges with many variants within each category. While checking out the Lotus Caravan range online, open the Jade [Caravan Finance Calculator](/loan-calculator "Access our handy tool for calculating Caravan Financing") in a separate web browser so you can quickly receive rough estimates on repayments for loan on the different vans. ### Lotus Family Range Why own a holiday house in one location when a [Lotus Family Range Caravan](https://lotuscaravans.com.au/caravans/family-range/ "Explore the diverse options within the Lotus Family Range of Caravans") can take you to multiple destinations? Why book just one holiday at a hotel or holiday home when an investment in a Lotus Family Caravan will have years and years of holidays sorted? Lotus offer a range of floorplans and configurations in the Off Grid and Trooper ranges to suit different styles and sized families. These family set-ups are available in caravan sizes from 16’6”, to 18’ and 19’, through to the 21’6”, 21’9” and 22’ right up to the largest 23 and 23’3”. The Off Grid 19’ for example has both a queen sized bed for the parents and choice of either double or triple bunks for the kids. With the Off Grid 23’3” you even get a separate shower and toilet which families of any size would consider an essential for long trips away. ### Lotus Freelander [The 2020 model of the Freelander](https://lotuscaravans.com.au/caravans/freelander/ "Discover the features of the 2020 Freelander model here") opens up a whole new range of touring options with all-terrain touring combined with luxury. Built with the Lotus hybrid frame of aluminium on top, back and front and timber walls, this van has pretty well everything you’ll require for very comfortable travelling. Triple solar and battery systems, fully-equipped kitchen, reverse cycle air-con, a premium entertainment installation and a rugged chassis. Available in 15’ to 22’ models with multiple floorplans, you’re sure to be able to configure a Freelander to suit your travel plans. Before speaking with a dealer, speak with Jade Caravan Finance for a pre-approved loan. That way you’ll know your budget in advance and can plan your caravan to suit your budget. ### Lotus Trooper The [Lotus Trooper](https://www.lotuscaravans.com.au/caravans/trooper "Visit the page for more information on the Lotus Trooper") is truly top of the range when it comes to off-road travelling in luxury and style. Built to take on and withstand the rugged conditions with marine grade composite panelling and dust reduction system to take on the outback dust. The 2020 version of this premium vehicle is available in 8 floorplans across the 18’9” to 22’ lengths with plenty of options to customise your Trooper to your touring. ## Buying Your Lotus Caravan Lotus Caravans have a great website with loads of photos and videos so you can see exactly what the vans look like – inside and out – and imagine how you can configure yours to suit your lifestyle. [Lotus Dealers](https://lotuscaravans.com.au/dealers) are located in NSW, Victoria, Queensland, South Australia and Western Australia and you can even book a tour of the Lotus factory. ### Caravan Finance Options We offer [Caravan Finance](/ "Explore your options for financing a caravan purchase") for a wide range of Lotus Caravans. Before discussing price with the dealer, you can request a pre-approved loan so you’ll know your repayments and can order your Lotus with the options that fit within that loan. Rather than order up everything and then have to source a loan to fit the van. The Secured Caravan Loan is the most widely utilised form of finance for caravan buyers. It is a relatively simple and straight forward form of consumer finance and with Jade’s better interest rates guarantee, a very cost-effective option. The lender uses the caravan as security against the loan. - Loan term is fixed. - Interest rate is fixed. - Loan repayments are fixed. So everything is fixed – you can set off on your touring adventures. For ideas on where to go, review our articles on destinations including some free camping site suggestions. If you have a timeframe for your caravan touring, best to get in with your Jade Caravan Finance and place your order with Lotus to allow plenty of time for the company to build your van to order. **For lending on a Lotus caravan, contact Jade Caravan Finance and speak with one of our consultants at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Free Camping and Caravan Sites in Queensland](https://www.jadecaravanfinance.com.au/blog/caravan-articles/free-camping-and-caravan-sites-in-queensland) **Published:** July 31, 2020 **Author:** Publisher **Content:** Who doesn’t love something free? After all, having freedom is the main appeal of caravanning. And when you have a contemporary caravan which is all set-up with everything you need – you don’t have to be as reliant on a powered site or a holiday park. Not that we don’t support the great holiday parks around Australia, but now and then travellers want options. So we’ve checked out some resources to bring you a selection of possibilities of free sites throughout Queensland. ## Jundah Hotel Caravan Park Between Longreach and Windorah you’ll find the [Jundah Hotel](https://www.barcoo.qld.gov.au/component/mtree/accommodation/5-jundah-hotel "Visit the official website for the Jundah Hotel for more information") which has an adjacent caravan park which is a free site. It has some great facilities including clean amenities and is close by to fishing spots and the community swimming pool. Yes we said hotel and yes it is right there. So you can take a break from cooking while you stay and enjoy a coldie and some great Queensland fare at the pub. According to our research, this is not a pet-friendly so if your fur babies accompany you on your travels this may not be the site for you. ## Gregory Downs On the Gregory River about 120klms south of Burketown you’ll find Gregory Downs. A small town of only around 50 residents but the site of a free camping area operated by the local council. And it is pet friendly! Plus it has good facilities for the traveller including a dump site and toilets and in the township you’ll find plenty of other services including a medical centre and children’s playground. ## Balgal Beach This is such a popular spot you are advised to get in early! Located in far north Queensland this is one of the beaches north of Townsville and reported to be absolutely gorgeous. They operate quite a fair system to allow more people to utilise the site with a 48 hour limit once per week requirement. The area has mobile phone coverage, pets are allowed and the local store has supplies of food, alcohol and other essentials. ## Boynedale Bush Camp Head about 30klms south of Calliope and you’ll find [Boynedale](https://www.gawb.qld.gov.au/boynedale-bush-camp) and this great site which is a wildlife sanctuary. Fabulous for nature lovers but bringing your own pets into the area is understandably not encouraged. The roads are unsealed so access in the wet season is also not advised unless you have a suitable vehicle. But always best to check ahead when travelling in these areas. There is no potable water or toilets available at this site or electricity as it is a sustainable camp. So if you stay here, bring your own water and take your waste with you when you depart. ## Lake Proserpine Up in the Whitsundays, travellers can now enjoy a free camp site at [Lake Proserpine](https://www.whitsunday.qld.gov.au/). Opened in late 2019 and developed by the Whitsunday Regional Council, this is sure to be popular. It has a 72 hour limit for those in their own self-contained vans and plans for further developing this site are in the pipeline. So if you’re up that way, enquire ahead as to how far advanced the facilities are when you are travelling. ## Babinda Rotary Park Also in far north Queensland in the Cairns region is the town of [Babinda](http://www.babindainfocentre.com.au/where-to-stay/caravans-and-camping/) and the free camping site in the Rotary Park. Maximum stay is only 3 days but at 50klms from Cairns, pet-friendly, water but no power, it’s sure to be well-patronised and a great stop-off point. ## Choosing Your Touring Vehicle If you’re new to the caravan and camping scene, the one thing you will need to take advantage of these free sites is – a vehicle. Australia has a great caravan manufacturing industry with many brands to choose from and many more options within each range. The first decision is whether to purchase a traditional caravan or an ‘all-in-one’ style of vehicle like an RV or motorhome. Then to decide whether you want on-road or off-road vehicle and so the decisions go on. There are so many options you really can customise the vehicle to suit where you want to travel, what you want to do when you arrive and who you want to accompany you. It is a very flexible and appealing lifestyle. ## Sourcing a Loan for Your Caravan Jade Caravan Finance makes the recreational vehicle loan process straightforward, streamlined and we hope, as pleasurable as configuring your caravan. Your Jade consultant does all the hard work of sourcing the best [caravan loan](/ "Discover financing options for your caravan purchase") quote from the large number of banks and lenders that we are accredited with – saving you a lot of time and hassle. The majority of our caravan buying customers opt for the [Secured Caravan Loan](/secured-caravan-finance "Learn about the advantages of a Caravan Loan with collateral") for their purchase. This is a very popular type of loan and structured in an easy to understand format with the lender using the van as collateral against the loan. Repayments are fixed and the loan is based on our Jade better interest rates which are also fixed for the term of the loan. So you can travel around Queensland in your own vehicle, contact us to discuss your finance options. **To discuss finance on a caravan, contact Jade Caravan Finance and speak with one of our consultants at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON INDIVIDUAL VEHICLE SPECS IS SOURCED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Showcase: Goldstream RV](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-goldstream-rv) **Published:** August 3, 2020 **Author:** Publisher **Content:** The team at [Goldstream RV Range](https://www.goldstreamrv.com.au/our-range/) have been making caravans for nearly 30 years and the brand is well-known, much loved and very popular with those that love the freedom and lifestyle offered by their vehicles. Goldstream manufacture traditional caravans, pop tops and camper trailers with multiple configurations to suit different groups, different sized families and different purposes. To introduce you to this 100% Australian owned business, we’re showcasing a number of their models. ## Goldstream Campers A camper differs from a traditional caravan in that it is designed with sections that you fold out and/or pop up when you arrive at your destination. So they offer a more compact unit which is often available in smaller sizes than traditional caravans and as such, maybe easier to tow. The smaller size also means in some cases that only a standard passenger car is required rather than a larger 4×4. This is a particularly popular feature of campers as it opens up the outdoor lifestyle to more people. And often the price point is significantly less than a caravan and when matched with a cheap Jade caravan loan……that may mean a great adventure holiday for you and your family. Goldstream has 4 ranges in their campers – [Wing Series](https://www.goldstreamrv.com.au/rvs/wing-series/), [Storm Series](https://www.goldstreamrv.com.au/rvs/storm-series/), [Thunder Series](https://www.goldstreamrv.com.au/rvs/thunder-series/) and [Crown Series](https://www.goldstreamrv.com.au/rvs/crown-series/). The Storm is tagged as the company’s flagship and has been updated over 30 years to now offer 3 layout options. Despite the image of being smaller than a caravan, the Storm provides plenty of comfort and convenience inclusions. A large kitchen with fridge, oven, hotplates and large bench space in addition to the outside roll-out cooking facilities. Large storage compartments are cleverly incorporated to maximise living space. To suit your particular travel style, Goldstream offer 3 optional packages – adventure, off road or premium which is the top of the range off road upgrade. The Storm is available in body lengths of 4500mm and 4600mm which are 6750mm and 6850mm open lengths. The inside of the Storm is light with a spacious feel and functional layout. The Goldstream Crown Camper Series is a compact, lightweight trailer available in 2 models. One model has a seating area which can double as an additional bed while the other has shower and toilet in the rear corner. The Crown is aimed at the couples market and may be the option that suits your plans. Give Jade Caravan Finance a call for a quick quote to see if the Crown also fits your budget. ## Goldstream Pop Tops Another option is the Goldstream Pop Top ranges. This type of vehicle is an attractive balance between a traditional caravan and the fold down style of a camper. It’s larger than a camper but often smaller than a traditional van but has a pop up roof to create additional head space. This pops down during travel for easier towing. The 1200 Mini Series Pop Top is a very cute vehicle and built to be towed by a small car. A great consideration for those that want to get away and enjoy the caravan lifestyle with their existing car. The body length is 37980mm and width 2060mm, it’s neat and compact and offers plenty of standard inclusions and comfort despite the small size. Goldstream have several other larger series in their pop top ranges with different models and floorplans across the collection. While browsing the Goldstream range online, use the Jade Caravan Finance calculator to see how repayments may vary from model to model. ## Sourcing Finance for Your Goldstream Whichever Goldstream caravan, pop top or camper that you select, the choice of sourcing the [cheapest caravan finance](/ "Explore the most budget-friendly caravan financing options") is easy – Jade Caravan Finance. In addition to using our online calculator we provide a comprehensive loan service for the purchase of lifestyle vehicles. - Jade [Secured RV Loan](/secured-caravan-finance "Learn about the benefits of securing your RV loan with collateral"): this is the most popular loan for campers, caravans and pop tops. It includes a fixed interest rate, fixed monthly repayments and fixed loan term. Additional payments are permitted and the caravan is used as security against the loan. - Quick Quote Service: if you’re keen to get your vehicle order in, your Jade consultant can source you a quote quickly. Request online or give us a call. - Pre-Approved Loans: having your loan organised before you discuss price with your Goldstream dealer allows you to know what you want to pay before you commit. While not all banks and finance companies may offer loans on campers, our consultants have access to a large number of lenders, including those that do offer lifestyle finance. So we have more choices and can source you a loan quote quickly and easily. **To discuss a loan on a Goldstream camper, pop top or caravan, speak with a Jade Caravan Finance consultant 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON VEHICLES IS QUOTED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Free Camp Sites in South Australia](https://www.jadecaravanfinance.com.au/blog/caravan-articles/free-camp-sites-in-south-australia) **Published:** August 6, 2020 **Author:** Publisher **Content:** Who doesn’t love a freebie? As a caravan owner, you likely love the freedom of making your plans to suit your mood, the freedom of stopping in different locations and if your set-up with a Jade Caravan Finance loan, love the freedom of being able to set off in the knowledge that you’ve secured a better loan. To add to all that enjoyment, we’ve been researching the caravan industry news and information sites to bring you some more freebies – free camp sites, this time in South Australia. With the South Australian Government holding the state borders shut during the COVID-19 crisis, South Australian travellers have to limit their travels to their own state. But what great limitations to enjoy. Great beaches and coastline, fabulous wine country and the awe-inspiring outback all at your doorstep. When travelling through South Australia, you’ll have the opportunity to explore historical townships and support the local communities which may have been hit hard with the tourism shutdown, bush fires and drought. ## Greenrise Lake, Penola For those heading into the [Coonawarra region](https://coonawarra.org/ "Discover what the Coonawarra area has to offer"), there is a free site for self-contained vehicles near Penola. It is reported to have good facilities including BBQ, flushing toilets but is advised for dry weather only. There is a 48 hour limit, which is fair so all can share. ## Point Brown More a suggested destination site as this does not have facilities but is a great location for off road vehicles. Pets are permitted and there are large amounts of parking available. You’ll have around 20klm of dirt road to get there, but apparently it’s worth it. ## Tenbury Hunter Reserve If you’re after a waterfront location, head to this site which is right on the mighty [Murray River](https://southaustralia.com/places-to-go/murray-river-lakes-and-coorong "Explore the wonders of the Murray River region"). The site is free as is the ferry which operates on a 24 hour service. According to the reviews online, this site has coverage for mobile phones which is a bonus plus fireplaces. Big rigs can access and you can bring your pets. For such a great site the 5 night limit is an additional bonus. ## Whitewell Tank Campsite This free site is located on the road to [Head of Bight](https://headofbight.com.au/ "Learn more about the captivating Head of Bight area"). It’s fenced and has a paved surface which doesn’t make it suitable for tents but good for vehicles. You’ll need a self-contained vehicle as it there are no facilities but a great place to put on your list if you want to head off in that direction for whale watching. ## Worlds End Gorge This is a popular holiday spot but apparently plenty of space but not a lot of facilities. No shower, no water, no mobile reception but there are toilets. Caravans and big rigs and pets are welcome. It’s located 26 lm south east of Burra. ## Sourcing the Right Van for Your Adventures If you’re new to the caravan scene you’ll need a caravan to take advantage of these free sites. Caravan sales websites are a great source of vehicles or refer to the [Caravan ](https://www.caravanindustry.com.au/ "Visit the official website of the Caravan Industry Association for more information.")[Industry Association website](https://www.caravanindustry.com.au/ "Visit the official website of the Caravan Industry Association for more information") for a list of manufacturers that are members of their association. We’ve showcased many local manufacturers in our articles, so review our library for a ideas. Many caravans are built to order so pre-arranging your caravan finance is well-advised. Jade Caravan Finance offers a pre-approved loan service and our online loan calculator which are both great resources for buyers. ## Better Caravan Loans If you’re upgrading or buying your first lifestyle vehicle, Jade is your lifestyle broker to assist with your [caravan loan](/ "Find out about financing options for your caravan purchase"). We’re accredited with many banks and lenders so we can quickly and easily source the best loan offer that suits you and the caravan you intend to buy. Our better interest rates guarantee is your assurance that we will source you the cheapest caravan loan. The [Secured Caravan Loan](/secured-caravan-finance "Explore the advantages of a Caravan Loan secured with collateral") is the most commonly used loan for the purchase of all types of caravans, campers, RVs and motorhomes, both new and used. This loan type features:- - Jade’s cheap interest rates. - Fixed interest rate. - Fixed monthly repayment. - Fixed loan term. - No deposit is possible. Your Jade consultant handles the paperwork so you can concentrate on choosing your caravan and making your travel plans. We provide a nationwide service so it doesn’t matter which state you are in and if borders are closed or open – you can always access our caravan loan service. **To discuss a cheap caravan loan, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THE INFORMATION PROVIDED IS FOR GENERAL CONSIDERATION. ANY REFERENCE TO OFFICIAL GOVERNMENT POLICIES HAS BEEN SOURCED FROM AUSTRALIAN GOVERNMENT AND STATE GOVERNMENT SOURCES. INFORMATION ON VEHICLES IS QUOTED FROM THE MANUFACTURER’S WEBSITE. NO LIABILITY IS ACCEPTED FOR ANY ERRORS IN THE PRESENTATION OR INTERPRETATION OF THE FACTS AS PROVIDED BY THESE SOURCES. WE ADVISE ALL INDIVIDUALS AND BUSINESSES TO REFER TO THEIR ACCOUNTANT OR FINANCIAL ADVISOR FOR PROFESSIONAL ADVICE SPECIFIC TO THEIR INDIVIDUAL CIRCUMSTANCES.* **Categories:** Caravan Buying Articles --- ### [Vacationer Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/vacationer-caravans) **Published:** August 15, 2020 **Author:** Publisher **Content:** Caravan holidays have been a favourite with Australians for generations and many of our great Aussie caravan manufacturers have been building vans to suit our conditions for just as long. But there are also new players entering the caravan manufacturing market with impressive credentials and loads of experience. One of those is [Vacationer Caravans](https://www.facebook.com/VacationerCaravans "Visit the official website for Vacationer Caravans for more details"), owned by [Matthew Simpson](https://au.linkedin.com/in/matthew-simpson-b96b00b3 "Learn more about Matthew Simpson on his website"). Vacationer started in 2010 which is means they are relatively new in the industry when compared with some of the industry stalwarts. But Matthew has been working with caravans for a lot longer than the past 10 years and has quickly developed a great reputation for the quality of his caravan range. With ranges called Rough Rider, Dakar and Road Tracker, it’s immediately obvious that Vacationer Caravans are built to handle the tough terrain that Australia is famous for. If you’re ready to purchase a new caravan and staycation across Australia, take a look at what Vacationer has to offer and speak with Jade to assist you with [great caravan finance](/ "Explore great caravan finance solutions") to purchase the model of your choice. ## Vacationer Rough Rider There’s nothing ‘rough’ about this caravan except the terrain it will travel over. This is a semi off-road caravan with all the luxury and comfort you would want to travel Australia. The star of Vacationer’s fleet, the Rough Rider is a serious vehicle with the Alko off road suspension, grey water tanks, solar panels, dual batteries, endless hot water and a large capacity 230 L fridge to carry your essentials for long trips. Inside features include a large bedhead, pillow top mattresses, concealed door catches, large shower, high quality flooring and loads of storage. On the outside you’ll find loads of checker plate to protect the vehicle on rough terrain, double glazed windows, picnic table, stainless steel grab handles and loads of great inclusions. Vacationer offer a range of lengths and floorplans so get onto Matthew to discuss the configuration of your Rough Rider and onto Jade Caravan Finance to get your loan sorted. ## Vacationer Dakar Available in stylish red and black or yellow and black colour schemes, the Vacationer Dakar is a genuine off road caravan. This is a premium off roader with full aluminium frame, full honeycomb floor and loads of cutting edge tech. The interior is contemporary, stylish and functional with quality fixtures, fittings and materials. Washing machine, 2 x 95 L water tanks, grey water tank, large shower to rejuvenate after a long day of travelling, pillow top mattress for a comfortable rest and plenty of standard inclusions to ensure you have all you need while away from home. ## Vacationer Road Tracker If you prefer to travel on the tarmac, the Road Tracker is Vacationer’s on-road option. A luxury vehicle with an extensive list of standard inclusions, features and appointments. The interior is light and well planned to ensure enjoyment at all stages of your trip. A range of lengths and layouts and colour options are available so you can configure your caravan to suit your style, your taste and your travel plans. ## Purchasing a Vacationer Caravan The Vacationer Caravans factory is located in Cambellfield in Victoria and they have appointed a number of dealers in other states. Check for a dealer near you or order over the phone direct with Matthew and the team. Jade Caravan Finance can arrange a pre-approved loan on your Vacationer before you place your order so you know your repayments on a certain purchase price. This may assist greatly if there are optional accessories to add to your Vacationer, though the list of standard inclusions appears quite extensive. The most popular type of loan for purchasing a caravan is the [Secured Caravan Loan](/secured-caravan-finance "Explore the benefits of a Caravan Loan with security"). This suits many buyers and most caravans, whether on road, off-road or semi off road models. The lender uses the van as security against the loan and your Jade consultant sets up the loan with fixed monthly repayments over the fixed loan term. All our Jade Caravan Finance loans are of course based on our better interest rate policy so you are assured that we offer you a better caravan loan to save you money and do the work to save you the hassle. If you’re tossing up between a Vacationer and another manufacturer, we provide free use of our [Caravan Finance Calculator](/loan-calculator "Access our convenient tool for calculating Caravan Financing") so you can generate rough estimates on repayments on various caravan prices. This is available right here on our website so you can use it from any device and any location where you have internet coverage. If you want to be in your Vacationer in time for your next holiday, contact us today and let’s get the process started. **To discuss a loan on any models in the Vacationer Caravan range, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: ALL INFORMATION PRESENTED IN THESE ARTICLES IS FOR GENERAL INFORMATIONAL PURPOSES AND BUSINESSES AND INDIVIDUALS SHOULD SEEK INDEPENDENT FINANCIAL ADVICE IN REGARD TO THEIR OWN FINANCIAL DECISIONS AND CIRCUMSTANCES. DETAILS ON GOVERNMENT MEASURES, POLICIES AND GUIDELINES AND VEHICLE DETAILS AND SPECS HAVE BEEN SOURCED FROM PUBLICLY AVAILABLE WEBSITES AND SOURCES. LIABILITY IS NOT ACCEPTED FOR ERRORS IN THE INTERPRETATION OR PRESENTATION OF ANY FACTS AND DETAILS FROM THIRD PARTIES. WE ADVISE INDIVIDUALS TO CHECK DETAILS DIRECTLY AT THE THIRD-PARTY SOURCE IF REQUIRED.* **Categories:** Caravan Buying Articles --- ### [Beginner's Guide to Towing a Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/beginners-guide-to-towing-a-caravan) **Published:** August 17, 2020 **Author:** Publisher **Content:** It’s all over the media that more and more [Australians are turning to caravans and camper trainers](/blog/caravan-articles/covid-19-a-good-time-to-buy-a-caravan/ "Explore how the COVID-19 pandemic has driven a surge in caravan and camper trailer interest among Australians"), especially due to the COVID-19 pandemic. Caravans offer great versatility and affordability for family holidays and a wonderful option for touring and adventures around your own state or further afield when borders are fully open. But while many are drawn to the freedom and appeal of lifestyle, it’s excusable that new-comers may overlook one very important aspect – you need to tow your caravan. Despite how good a driver you are, if you’ve never towed a caravan before, there are many very important pointers that you should be aware of. Towing can be a challenging experience for even veteran drivers and road safety is paramount. While you’re considering which caravan you will purchase and while in the process of organising your Jade caravan loan, we share some of the basic information about towing a caravan. - Ensure you select a caravan that suits your vehicle. You will require a 4WD or large SUV or ute to tow the larger caravans but some of the smaller, lightweight models can be towed with a passenger car. Before you commit to your purchase, ensure you have the right vehicle to tow it home. - Get a tow bar fitted to your vehicle which has the capacity to tow the caravan you are purchasing. For safety, have it fitted by a professional. When arranging your Jade caravan loan, speak your consultant about the possibility of including the cost of purchase and fitting of your tow bar in your [caravan loan](/ "Discover your options for financing a caravan"). - Check with your state roads department as to whether or not you need a special driver licence to tow a caravan. - If possible, enrol in a course with a professional, accredited towing education company to teach you how to tow a caravan safely and properly. While you might see people many people comfortably towing a caravan on the major highways and making it look easy, it’s not all about going in a straight line. There will come a time when you need to reverse into a parking space, into your dedicated space at the holiday park or simply manoeuvre your caravan in and around your own driveway. You will be towing a lot of weight and you want to be confident that you have the skills to handle the challenge. Throughout Australia there are many providers of towing education and instruction courses. They are easily found online or check with [caravancampingsales.com.au](https://www.caravancampingsales.com.au "Visit the official website on caravancampingsales.com.au for more information") the [Caravan Industry Association](https://www.caravanindustry.com.au/ "Visit the official website on caravancampingsales.com.au for more information"), NRMA, RACQ, RACV or other motoring organisations for referrals. - If you intend to purchase a semi off road or full 4WD caravan and head off the bitumen onto more rugged terrain, seeking out a specialist trainer in this sector would be highly advisable. The last thing you want is to get into difficulty in a remote area with no phone reception to contact assistance. - If you choose to teach yourself or have a friend show you the ropes, perhaps consider heading to a large empty car park or open area to practice and gain confidence before hitting the road on holidays. - Ensure you complete the above steps and especially complete your course before you take delivery of your caravan because you will need to tow your caravan home from the dealers. As a memory jogger, while you are organising your pre-approved caravan loan with your Jade consultant, handle your towing prep and training at the same time. Then you’ll not only have your finance sorted but you will also have your vehicle and your driver skills up to speed also. ## Pre-Trip Tow Tips You can never be over-prepared when towing a caravan so here’s a few tips which we have sourced from experts to give you an idea of what you need to do before heading off. - Attach the caravan to your tow ball and secure properly. - Attach the chains, safety connections, electricals and other connections. - Let off the brake and remove the jump wheel and secure safely. - Turn off your gas bottles, remembering any additional bottles which may be included with a BBQ. - Take a walk around the entire caravan and check that every window, hatch and opening is securely fastened. - Check that any awnings are also secured. - Inside, ensure all doors, drawers and cupboards are properly closed including the shower door. Don’t forget the oven, microwave and fridge. - Move any loose items into secure storage so they can’t fall on the floor or fly around the inside. - Close the door securely. Safe towing is essential and having the knowledge and skills to master towing your caravan under all weather and road conditions is sure to enhance your caravan lifestyle experiences. There is a lot more to know about towing a caravan and we recommend that all our customers seek out further resources to expand their understanding. Also sure to enhance your caravan experience is a Jade [cheap caravan loan interest rates](/interest-rates "Discover budget-friendly interest rates for caravan loans here"). So whatever caravan you intend to purchase, contact us for a quote on your finances. Your consultant will assist with all aspects of the loan application, quote and through to settlement to streamline your purchasing process. **To discuss a great loan for a caravan, camper trailer or RV, speak with a Jade Caravan Finance consultant 1300 000 003 about the options and the process.** *DISCLAIMER: ALL INFORMATION PRESENTED IN THESE ARTICLES IS FOR GENERAL INFORMATIONAL PURPOSES AND BUSINESSES AND INDIVIDUALS SHOULD SEEK INDEPENDENT FINANCIAL ADVICE IN REGARD TO THEIR OWN FINANCIAL DECISIONS AND CIRCUMSTANCES. DETAILS ON GOVERNMENT MEASURES, POLICIES AND GUIDELINES AND VEHICLE DETAILS AND SPECS HAVE BEEN SOURCED FROM PUBLICLY AVAILABLE WEBSITES AND SOURCES. LIABILITY IS NOT ACCEPTED FOR ERRORS IN THE INTERPRETATION OR PRESENTATION OF ANY FACTS AND DETAILS FROM THIRD PARTIES. WE ADVISE INDIVIDUALS TO CHECK DETAILS DIRECTLY AT THE THIRD-PARTY SOURCE IF REQUIRED.* **Categories:** Caravan Buying Articles --- ### [Roadstar Caravans: Showcase](https://www.jadecaravanfinance.com.au/blog/caravan-articles/roadstar-caravans-showcase) **Published:** August 17, 2020 **Author:** Publisher **Content:** One of the greatest appeals of owing your own caravan is being able to choose where you want to go and when you want to go. To make your own plans that suit your lifestyle, your family and your travel style. So it’s logical that you would want a caravan that is made to suit your specific requirements. That’s exactly what you receive from [Roadstar Caravans](https://roadstar.com.au/ "Visit the official website for Roadstar Caravans"). One of the big names in the Australian caravan industry, Roadstar build every caravan to their customers’ orders with a range of customisable specifications. [Jade Caravan Finance](/ "Learn more about financing options with Jade Caravan Finance") can tailor a caravan loan to suit your customised Roadstar with our consultants negotiating the best interest rates and the loan terms and conditions that best meet your individual requirements. ## Company Overview Roadstar Caravans have been enjoyed by Australian travellers for over 30 years and since 2009 when the business was purchased by Australian Hitec Engineering, the company has upped the ante even higher with their top quality range of caravans. From their state-of-the-art facility in Somerton in Victoria, Roadstar produce a range of bespoke caravans which are defined by their precision engineering, high quality fittings and materials and innovative manufacturing techniques and features. A key feature of the Roadstar range is their MK2 pack which is constructed from a tough fibreglass sandwich panel. This construction method is different in that it has only a single piece for the front, back and roof and has no joints. So the entire body is just the 3 pieces – two sides and the single front/back/roof. ## The Roadstar Range When buying a Roadstar Caravan, you’ll have plenty of choices from their very extensive range of models which includes: - [GT Clas](https://roadstar.com.au/caravans/gt-classic/)[s](https://roadstar.com.au/caravans/gt-classic/)[ic](https://roadstar.com.au/caravans/gt-classic/): classic and comfort with four layouts to choose from. - [GT Sport](https://roadstar.com.au/caravans/gt-sport/): modern, affordable and suited for many adventurers. - GT Sport Cross Country: an off-road caravan to open up more terrain for you to explore. - [Little Rippa](https://roadstar.com.au/caravans/little-rippa/): off-road features in a small design, compact caravan. - [Little Rippa Extreme](https://roadstar.com.au/caravans/little-rippa-extreme/): small design but full off-road capabilities. - [Voyager](https://roadstar.com.au/caravans/voyager/): all terrain with all the comfort of a prestige caravan. - [Safari Tamer](https://roadstar.com.au/caravans/safari-tamer/): for the toughest terrain this is a full off road model. - [Safari Tamer Extreme](https://roadstar.com.au/caravans/safari-tamer-extreme/): fully off-road with Roadstar’s MK 2 sandwich construction. - [Daintree](https://roadstar.com.au/caravans/daintree/): rugged enough to take on off-road terrain but in full-on luxury. This is Roadstar’s flagship caravan model. - [Sirius](https://roadstar.com.au/caravans/sirius/): built with Roadstar’s signature fibreglass sandwich panel technique. - [Colt](https://roadstar.com.au/caravans/colt/): ideal for small vehicles to tow and 1-2 people to enjoy. - [GT Sport MK2](https://roadstar.com.au/caravans/gt-sport/): Roadstar’s vision for the caravanning future. - Little Rippa MK2: off-road caravan with Roadstar’s innovative MK2 construction. ## Up Close with the Colt This little gem is today’s teardrop caravan. Reinvented by Roadstar, this small caravan is ideal for singles or couples who don’t need to take everything or need everything when they travel. Well-equipped with the basics including a fridge, 3 burner gas stove, solar panel and water tank. Ideal for those that love the outdoors and one of the big appeals of the Colt – according to the company, any vehicle can tow this caravan. Not everyone wants or needs a large, top of the range caravan. The Colt is a great option for those looking for a smaller model that serves the purpose. ## Choosing Your Roadstar The Roadstar models can be viewed on the company’s website so you can start thinking about which one will best suit your style, your touring plans and your accommodation requirements. Do you need a fully off-road model or will an on-road suffice? Do you want the premium comfort and luxury of the Daintree or will the basics of the small Colt or Little Rippa be more your style? While you’re weighing up the features and inclusions of each Roadstar model why not also consider how the monthly repayments on your Jade caravan loan may vary from model to model. That is very easy to do with our [Caravan Finance calculator](/loan-calculator "Access our convenient Caravan Finance calculation tool"). It’s available right here on our website, it’s free and you can use if for as many caravans as you like. You simply enter the details of the price of the caravan or the amount you want for your loan, number of years you would like to repay the loan and our current best interest rate for caravan loans. The calculator automatically calculates a repayment figure based on those amounts. This is only an estimate as it does not include individual variances around your application and specific lender fees and charges but it’s a great tool for comparison purposes. ## Locking in Your Roadstar Finance If the calculator estimate is within your ballpark, all you need to do to get a firm quote, which may be lower or higher than what the calculator displays, is call Jade Caravan Finance. Your consultant will provide you with a quote for a cheap caravan loan and if that meets your approval, we’ll proceed to arrange the finance for you. **To discuss a loan on any models in the Roadstar Caravan range, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: ALL INFORMATION PRESENTED IN THESE ARTICLES IS FOR GENERAL INFORMATIONAL PURPOSES AND BUSINESSES AND INDIVIDUALS SHOULD SEEK INDEPENDENT FINANCIAL ADVICE IN REGARD TO THEIR OWN FINANCIAL DECISIONS AND CIRCUMSTANCES. DETAILS ON GOVERNMENT MEASURES, POLICIES AND GUIDELINES AND VEHICLE DETAILS AND SPECS HAVE BEEN SOURCED FROM PUBLICLY AVAILABLE WEBSITES AND SOURCES. LIABILITY IS NOT ACCEPTED FOR ERRORS IN THE INTERPRETATION OR PRESENTATION OF ANY FACTS AND DETAILS FROM THIRD PARTIES. WE ADVISE INDIVIDUALS TO CHECK DETAILS DIRECTLY AT THE THIRD-PARTY SOURCE IF REQUIRED.* **Categories:** Caravan Buying Articles --- ### [Enjoy the Freedom of a Motorhome](https://www.jadecaravanfinance.com.au/blog/caravan-articles/enjoy-the-freedom-of-a-motorhome) **Published:** August 25, 2020 **Author:** Publisher **Content:** There are a number of factors to be considered when tossing up between a caravan, camper trailer or motorhome as your recreational vehicle. The different vehicles offer varying benefits depending on your lifestyle and individual needs. In this article, we’re looking at motorhomes – what they offer to travellers and holidaymakers, the pros and cons, the cheap finance available for motorhomes and check out some of the latest models. While you consider the options and weigh up whether or not you should get a motorhome or a traditional caravan, keep in mind that Jade Caravan Finance offers the same [cheap interest rates for motorhome loans](/interest-rates "Discover affordable motorhome loan interest rates here") as we do for caravans. So no problems on that front. ## Features, Benefits, Considerations Campervan v motorhome – the difference is essentially in size and the level of facilities included. A campervan is more a vehicle with accommodation while a motorhome is more like a caravan with vehicle incorporated. *(Our simple take on the difference!)* Compared to a caravan, with a motorhome you don’t need a vehicle large enough to tow a caravan with comparable accommodation. With some motorhomes, only a standard driver licence is required, while some larger models will require a higher class of licence. Having the all-in-one does allow for greater freedom, ease of handling and possibly more flexibility on where you can travel and where you can stay. But once at a location, you don’t have a separate vehicle for sightseeing and trips to the shops. Though many motorhomes can be fitted with bike racks so you can take a cycle with you for that purpose. ## Popular Models Some caravan manufacturers also manufacture motorhomes but most tend specialise in one or the other. Winnebago is probably the most well-known name in motorhomes and has become somewhat synonymous with the vehicle and the generic name. ### Winnebago While many associated [Winnebago](https://www.gowinnebago.com.au/ "Visit the Winnebago website for more information") with the US, the brand is manufactured in Australia from a facility in Brisbane. So the locally built vehicles are manufactured to meet local regulations and to handle local conditions. The current range, powered by either IVECO or Mercedes-Benz depending on the model, includes 8 models with accommodation from 2 to 6 people. The [Winnebago Byron](https://www.gowinnebago.com.au/vehicles/winnebago-byron/ "Explore the Winnebago Byron model details here.") is one of the largest in the range, sleeping 6 and with the Mercedes-Benz Sprinter 2.2 litre 4 cylinder upfront. The layout is cleverly designed to optimise the space in this 25’3” overall length vehicle. According to the manufacture, a C standard car driving licence is required. The interior is light and contemporary and includes ensuite with a separate shower and toilet, dinette which converts to a bed and an extremely well-equipped kitchen. ### Avida [Avida](https://avidarv.com.au/) is a very well-respected RV manufacturer and presents 7 models in their current motorhome selection, 5 of which only require a standard driver licence, one requires standard and LR and one requires a medium rigid licence. There are a number of different configurations available including bed over cabin, storage over cabin and slide-outs. There are both on road and multi terrain models and Avida also use either Fiat, IVECO or Mercedes-Benz chassis/power. The smallest in the Avida range is the [Leura](https://avidarv.com.au/motorhomes-for-sale/leura-small-motorhome/) which offers large lounge/dining space and an electric roll down bed to maximise the space for daytime use. The Leura has the Fiat Ducato chassis/power and all the kitchen and bathroom requirements to make for easy, compact living on the road. ### Sunliner [Sunliner](https://www.sunliner.com.au/) is another great Australian RV manufacturer which offers 8 motorhome models in their range. Compacts, drop-down bed models, multi-terrain versions, premium and luxury models and a top of the range [Monte Carlo](https://www.sunliner.com.au/motorhomes/monte-carlo). This is a very large and well-equipped vehicle with zoned spaces and includes an Isuzu diesel engine chassis which requires a medium rigid licence. This is truly for the very discerning traveller who intends to be on the road for sometime. ## Financing Your Motorhome Motorhomes definitely give you the freedom that you might be crazing, especially after the extended lockdowns and restrictions due to coronavirus. But that free-wheeling, free-spirited feeling will not be nearly as enjoyable or long-lasting if you constrict yourself with an expensive motorhome loan. Jade Caravan Finance ensures that all our motorhome customers get to maximise their enjoyment by structuring their loans to specifically meet their individual requirements. And, all our loans are based on our cheap interest rates. Your Jade consultant will be sourcing you the [best caravan loan](/ "Discover the top caravan financing options available") that meets your profile, from our large lender panel. So you can be assured, we’ve covered all the bases to get you the cheapest loan. For the purchase of a motorhome, the most popular loan that we provide is the [Secured Motorhome Loan](/secured-caravan-finance "Explore the advantages of a secured motorhome financing option"). This is a personal finance loan with a simple format:- - The lender uses the motorhome as security against the loan. - Your Jade consultant sources the cheapest interest rate which is fixed for the loan term. - The loan term and the monthly repayments are fixed and negotiated to best suit your budget. Whichever motorhome you choose, your Jade Caravan Finance consultant will source you the loan offer that offers you the flexibility to enjoy your travels. **To discuss a cheap loan on a motorhome, speak with a Jade Caravan Finance consultant at 1300 000 003** *DISCLAIMER: THE PURPOSE OF THE INFORMATION PRESENTED IS FOR GENERAL INFORMATION AND NOT INTENDED AS FINANCIAL ADVICE AND SHOULD NOT BE USED AS THE SOLE SOURCE FOR MAKING FINANCIAL OR PURCHASE DECISIONS. THOSE WHO FEEL THEY REQUIRE ADDITIONAL GUIDANCE SHOULD SEEK OUT THE ASSISTANCE OF AN INDEPENDENT, PROFESSIONAL FINANCIAL ADVISOR. ALL DETAILS, INFORMATION, FACTS AND SPECS IN REGARD TO GOODS AND SERVICES AND IN REGARD TO GOVERNMENT POLICIES AND MEASURES HAVE BEEN SOURCED DIRECTLY FROM RESOURCES IN THE PUBLIC DOMAIN. NO LIABILITY IS ACCEPTED IN REGARD TO THE PRESENTATION OR THE INTERPRETATION OF THIS INFORMATION. IF INDIVIDUALS REQUIRE VERIFICATION, WE ADVISE THEM TO REFER TO THE THIRD-PARTY RESOURCE.* **Categories:** Caravan Buying Articles --- ### [It takes 2 to caravan - know your tow!](https://www.jadecaravanfinance.com.au/blog/caravan-articles/it-takes-2-to-caravan-know-your-tow) **Published:** February 8, 2021 **Author:** Publisher **Content:** There are 2 essential parts to enjoying the great caravan travel and holiday lifestyle – selecting the right caravan and selecting the right towing vehicle. Having a vehicle that is suitable to tow your caravan is essential for the practical purposes of getting your caravan to/from the destinations you want to visit but also for safety reasons. Road safety is paramount. The issue of the right towing vehicles has recently been in the caravan industry news with reports that a Caravan Council of Australia representative is [calling for towing laws to be overhauled](https://www.trucksales.com.au/editorial/details/calls-for-tougher-towing-laws-128433/ "Read about the Call for Overhauling Towing Laws by a Caravan Council of Australia Representative"). According to reports, the spokesperson is calling for rule to prohibit some vehicles from towing heavier caravans even where the existing laws and the vehicle rating actually allows it. In particular, they are arguing of dual cab utes are not suitable for safely towing some heavier caravans. The article outlines their reasons for this stance based on numerous technical issues. As dual cab utes are one of the most popular types of vehicles on the market, it will be interesting to see how this issue develops. While at [Jade Caravan Finance](/ "Explore Your Caravan Financing Solutions with Jade") we’re experts in lending to the leisure market, we do not have the expertise to comment on this matter, we do however, want to bring the issue of towing to the attention of our customers. ## Selecting Your Tow Vehicle [Each state has laws around towing](https://rvbooks.com.au/resources/ "Discover Towing Regulations Vary by State") and caravan buyers should be across the rules in your individual jurisdiction. It can be a matter of what comes first – the chicken or the egg? Do you buy a caravan to suit your existing vehicle or do you upgrade your car so you can buy/tow a caravan? Both can be correct and with the surge in interest in caravans and the current low interest rate on consumer loans, its likely many people are going for the double take – new caravan and new car. Going about ensuring your vehicle and your caravan are compatible may take some research, but the end result in regards to safety, ease of towing, confidence and your overall enjoyment should be worth the effort. We’ve done some research on key points to consider when selecting a towing vehicle. Here’s a few pointers we picked up to share with you:- - Be prepared to compromise on your daily drive requirements. According to the experts, the most suitable towing vehicles for caravans tend to be the larger and heavier models. That means they are not going to be as easy to drive for your daily errands. Many families are two-car households so this can easily solve that issue. - Selecting a vehicle which has a tow rating higher than the loaded weight of the caravan is apparently preferred. You should be able to source the tow rating of individual vehicles from the manufacturer or dealer specifications sheets. - The mass rating of the tow ball needs to be taken into account. It should be sufficient even when both your vehicle and your caravan are loaded. - Depending on the size and space in your caravan, you may load up your vehicle with a lot of extra gear. Great but, all that extra weight in the vehicle will impact the towing ability. So take that into consideration. - Diesel engine vehicles are known to present better performance and better fuel efficiency for towing. - A vehicle with a [ladder frame chassis](https://www.carthrottle.com/post/heres-why-a-ladder-chassis-is-so-right-for-off-roaders/ "Learn More about the Chassis with Ladder Frame Construction") is apparently preferable. The experts we reviewed tended to suggest that more is better. Selecting a vehicle with specs that exceed the recommended ratings is better. As caravans get larger and heavier, if you do decide to upgrade your van before your vehicle that could be worth considering. ## Selecting Your Caravan The other side of the chicken and egg story is to select a caravan that your current vehicle is capable of towing. With the SUV market extremely strong, many households have one of these types of vehicles. But not all SUVs are 4WD or 4×4 nor do they have the towing capacity to haul a large van. Before going caravan shopping (especially with all the shows coming up) it could be worth doing your homework on the towing capacity of your current vehicle. Refer to the owner’s manual and speak with your car service experts. If you do have a small to medium sized passenger car, there are makes and models of smaller caravans and camper trailers that say they can be towed with a passenger car. So you can enjoy the caravan experience without having to upgrade your vehicle. If you always plan to stay at a caravan park which has facilities, then possibly you can opt for that smaller van or camper trailer without a full bathroom or cooking facilities. If you require professional advice and assistance regarding towing vehicles, refer to your motoring body, state motoring authority, caravan industry sources such as the [https://www.caravanindustry.com.au/](https://www.caravanindustry.com.au/ "Visit the official Caravan Industry Australia website for more information") which has tech sheets available and seek experiential comments and input from other caravan owners. Another option is to consider purchasing an ‘all in one’ – a motorhome or campervan. There are many great makes and models available and you don’t need that separate towing vehicle. ## Caravan Loan Options Jade provides [Low Interest Rate Caravan Loans](/interest-rates "Explore Affordable Caravan Financing with Favorable Interest Rates") for the purchase of all types of caravans and recreational vehicles. Tiny and small caravans through to the largest and most impressive models on the market. Loans are available for traditional caravans, motorhomes, campervans and camper trailers. When comparing prices on different makes and models, use our [caravan loan calculator](/loan-calculator "Access Our Tool for Estimating Caravan Financing") for rough estimates on repayments. Or just give us a call for finance quotes on the different caravans you are considering. **For all your caravan finance requirements call 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** *DISCLAIMER: THE INFORMATION PRESENTED IN THIS ARTICLE IS NOT INTENDED AS THE SOLE BASIS FOR INDIVIDUALS TO MAKE FINANCIAL DECISIONS. THOSE THAT REQUIRE ADVICE OR GUIDANCE IN REGARD TO THEIR FINANCIAL DECISIONS SHOULD CONSULT WITH AN ACCOUNTANT OR FINANCIAL ADVISOR. THE INFORMATION AS DETAILED IS BASED ON DATA, SPECS AND REFERENCES AS SOURCED FROM A RANGE OF SOURCES AND LIABILITY IS NOT ACCEPTED FOR MISINTERPRETATIONS, MISREPRESENTATIONS OR ANY ERRORS IN THE CONTENT. THIS ARTICLE IS FOR GENERAL INFORMATIVE PURPOSES ONLY.* **Categories:** Caravan Buying Articles --- ### [Join the Celebrity Caravan Set!](https://www.jadecaravanfinance.com.au/blog/caravan-articles/join-the-celebrity-caravan-set) **Published:** February 12, 2021 **Author:** Publisher **Content:** If you’ve long yearned to experience a celebrity lifestyle and holiday like a movie star, well now you can stop dreaming and make it a reality with your own caravan. Yes, several high profile Hollywood actors have been reported enjoying the caravan life in Australia. Apparently, according to reports, members of the well-known Hemsworth acting family have been seen enjoying a caravan getaway and actor Zac Efron has been enjoying caravan accommodation while filming in Oz. Lotus Caravans has apparently loaned one of their luxury caravan models, [the aptly named Hollywood](https://www.lotuscaravans.com.au/our-range/hollywood/ "Explore the Lotus Caravans Hollywood Series Here"), to the actor during his stay in the South Australia outback for filming. The Lotus model that Zac enjoyed is a 2021 Lotus model, a 24 foot slide-out which has been fitted with extremely luxurious fixtures and fittings. Reports have it that Zac Efron’s ‘Hollywood’ has Italian leather upholstered lounge, several large screens and a very spacious bathroom. You too can enjoy the Hollywood lifestyle – we checked out the specs and features on this new model from Lotus Caravans for you. ## Lotus Caravans – Hollywood With a name like the Hollywood, you would expect this caravan model to have the luxury treatment and it appears Lotus has delivered. Lotus claim this is their most luxurious van to date and is fitted with smart features and of course, entertaining space. Described as a home on wheels, the hybrid frame is construction from aluminium and composite ply and has two slide-out sections which create the extra space. From some angles with the squared-off design, it does resemble the trailers used on film sets! Indulgent luxurious features include double-glazed windows, an electric outdoor awning, leather upholstery, hand-built furniture and of course 3 Samsung TVs (no doubt to check out your latest releases!) with solar power to keep all systems operating while you’re off-grid. In addition to the deluxe standard features, Lotus offer a range of options so you can customise your own Hollywood story. You can check out the Hollywood and all the other 2021 Lotus Caravan models at [www.lotuscaravans.com.au](https://www.lotuscaravans.com.au "Visit the Official Lotus Caravans Website") or plan to catch up with the Lotus team at one of the upcoming caravan and camping shows. Lotus is based in Campbellfield in Victoria and has been in business since 2004. The company presents an impressive line-up of quality caravans and definitely worth checking out. They produce both on-road and off-road models in a range of sizes starting around 15’ with different layouts and options. ## Enjoy the Hollywood Lifestyle If you don’t have the star power to attract a caravan manufacturer to loan or gift you a caravan, don’t worry, we have the resources to make it happen for you. [Jade Caravan Finance](/ "Discover Your caravan Financing Options with Jade") can assist you to enjoy the caravan lifestyle like a Hollywood celebrity in your very own Lotus Caravan with our cheap caravan loans. The most popular form of loan for caravans is our [Secured Caravan Loan](/secured-caravan-finance "Explore Our Secure Financing Solutions for Caravans"). This loan format is a widely accepted and long-standing type of consumer loan where the caravan is used as the security against the money being borrowed. You put the caravan up as the guarantee for the funds being loaned to you. While the caravan is offered as security, the borrower does have full use of the van and is responsible for all the costs involved such as insurance, maintenance and registration. With this secured loan, the borrower repays the loan in equal monthly repayments over a fixed loan term. With Jade loans, the interest rates are also fixed so you are assured that your loan will remain constant for that loan term. With the current low interest rate climate, that means you can lock in a [low interest rate caravan loan](/interest-rates "Secure your caravan loan at low interest rates") now and not have to worry if interest rates increase during your loan term. Unlike some home loans that need to be addressed and reviewed as interest rates fluctuate, a Jade secured caravan loan at a fixed interest rate does not require that attention. Simply make the monthly repayments and at the end of the term, if all payments are finalised, the lender releases the security over the caravan. ## Estimating Repayments With our caravan loans there are no general maximum amounts set by lenders though individual lenders will have their own assessment and approach to individual applications. So you can go for it and plan your top of the range Lotus Hollywood with all the options you want. [No deposit finance](/no-deposit-caravan-finance "Learn About Finance Options with No Upfront Payment") is available so you can include those extras in the total loan amount. To see what your possible repayments may be, refer to either your lender interest rate comparison or [caravan loan calculator](/loan-calculator "Access Our Caravan Financing Calculator Tool"). Just enter the amount you want to borrow and the preferred number of years you would like to repay that amount and the system auto-calculates repayment estimates. To receive a confirmed quote or to apply, just give us a call. Your Jade consultant will ensure the process for you to join the celebrity caravan set is easy and streamlined! **To join the celebrity caravan set with your own caravan, speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: THE INFORMATION PRESENTED IN THIS ARTICLE IS NOT INTENDED AS THE SOLE BASIS FOR INDIVIDUALS TO MAKE FINANCIAL DECISIONS. THOSE THAT REQUIRE ADVICE OR GUIDANCE IN REGARD TO THEIR FINANCIAL DECISIONS SHOULD CONSULT WITH AN ACCOUNTANT OR FINANCIAL ADVISOR. THE INFORMATION AS DETAILED IS BASED ON DATA, SPECS AND REFERENCES AS SOURCED FROM A RANGE OF SOURCES AND LIABILITY IS NOT ACCEPTED FOR MISINTERPRETATIONS, MISREPRESENTATIONS OR ANY ERRORS IN THE CONTENT. THIS ARTICLE IS FOR GENERAL INFORMATIVE PURPOSES ONLY.* **Categories:** Caravan Buying Articles --- ### [Mix Work and Play with a Tradie Hauler](https://www.jadecaravanfinance.com.au/blog/caravan-articles/mix-work-and-play-with-a-tradie-hauler) **Published:** February 18, 2021 **Author:** Publisher **Content:** As major lenders in the recreational leisure market we stay across new model releases and industry news and we were most interested by a new release from [Jayco](https://www.jayco.com.au/ "Discover the Jayco Experience on Our Website") – the CrossHaul. Dubbed as the tradie toy hauler. Jayco appears to be breaking new ground with the CrossHaul and appealing to entry-level caravan camper buyers that are tradies by weekday and adventure-seekers come the weekend. This seems quite different and we were keen to check out the detail and bring it to the attention of our customers. ## The Jayco CrossHaul The [CrossHaul](https://www.jayco.com.au/range/toy-haulers "Explore the CrossHaul Website for More Information") is a new 11’ model in the company’s toy hauler category, but unlike some of their other larger toy haulers, the CrossHaul carries out double duty. It is designed to be a versatile vehicle especially for tradespeople and other workers that need a trailer to transport their tools and equipment to/from site. At 11 feet, you can use it as a trailer during the week, the load up the toys and use it as a camper trailer on weekends. The construction is the tough frame you would expect from one of Australia’s leading caravan manufacturers with hot dipped galvanised chassis and independent coil suspension. Features include:- - Two single fold down beds - Tough floor protection - Tie down points - Storage tubs which are removable - A frame mounted tool box on the exterior - Clever storage compartments - Solar panel, battery charger - Roll-out awning - Optional pull out fridge freezer and BBQ tray There is no kitchen or bathroom facilities, but if you’re staying at a caravan park with facilities and you’re happy to grab your meals offsite, the CrossHaul could be a great caravan option for you. Space for tools and work equipment then swap those out for your mountain bikes, surfboards, snowboards and other toys to head for an adventure weekend. For those that need a trailer for work and want a camper/caravan for play, the CrossHaul could represent a cost-effective compromise. One vehicle, one caravan loan, one monthly repayment but taking on double the workload. The cargo space not only can be used for tools and toys and sleeping, it can triple up as your lounge and chill-out zone or a lunch room for work. Great way to get out of the weather if you’re working on a site with little protection or shelter. The more you think it through, the more ideas come to mind for using a Jayco CrossHaul. If you compete in a sport where you need to take gear and attend competitions and meets in various locations this could be a great alternative to a motel/hotel or a tent. Check it out on the Jayco website or head to an [upcoming caravan and camping show](/blog/caravan-articles/caravan-news-2021-show-dates/ "Check Out Details on the Upcoming Caravan and Camping Exhibition") in your area to see it in person. ## Cheap Loans for a CrossHaul Of course the versatility and workability of a Jayco CrossHaul in your life will probably depend on how cheap your Jade Caravan Finance consultant can source you a loan. We’ve got that covered. Jayco have advertised price around $24,000 which is a starting point for you to head to our [Caravan Financing Repayment calculator](/loan-calculator "Access Our Calculator for Caravan Financing Repayment Estimations") to work out repayment estimates. Use either our lender comparison chart or our loan repayment calculator. With the lender comparison chart you can see our advertised interest rate and comparison rate against those of the other lenders. Simply insert the amount of your loan and the term you would prefer and see the repayment estimate. We provide no deposit caravan loans so you can enter the full purchase price of your CrossHaul. If being used primarily for private purposes the [Secured Caravan Loan](/secured-caravan-finance "Explore Our Secure Financing Options for Caravans") would likely be the most suitable loan for your Jayco CrossHaul. This type of loan has a universally-accepted format which is simple to follow and easy for borrowers with a fixed monthly repayment. When arranged through Jade, the loan will feature:- - Jade’s cheap interest rate which will be fixed over the loan term - A fixed loan term, negotiated to meet your preferences - Fixed repayments - Option to make additional payments while only attracting minimal break fees if the loan is paid out early - As a secured loan, the CrossHaul would be used as security against the loan by the lender As the CrossHaul is designed for work as well as play, if you are a business operator and thinking of purchasing this as kit for your business, speak with Jade about our [business finance](https://www.business.finance/ "Visit the Business Finance Website for Information on Commercial Funding Solutions") options. For a quote or to discuss your options, just give us a call or get right to it and apply online. **To discuss your loan options for a Jayco CrossHaul, speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: THIS ARTICLE IS PREPARED AND POSTED WITH THE INTENTION OF PROVIDING GENERAL INFORMATION AND NOT WITH THE INTENTION THAT IT BE THE ONLY SOURCE OF INFORMATIONON WHICH TO MAKE FINANCIAL DECISIONS. THOSE REQUIRING FINANCIAL ADVICE AROUND THEIR INDIVIDUAL SITUATIONS SHOULD REFER TO A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPT FOR ANY MISREPRESENTATIONS OR ERRORS IN THE CONTACT AS SOURCED, IN GOOD FAITH, FROM A RANGE OF SOURCES.* **Categories:** Caravan Buying Articles --- ### [Skip order wait lists: Consider the New Australis](https://www.jadecaravanfinance.com.au/blog/caravan-articles/skip-order-wait-lists-consider-the-new-australis) **Published:** February 22, 2021 **Author:** Publisher **Content:** Supply and demand, good news bad news, upsides downsides – there are often two sides to every story, even with a devastating global pandemic. In Australia, the COVID-19 pandemic has had far-reaching impacts on many businesses and individuals. It’s changed the way we shop, holiday, travel, work and generally live many areas of our lives. In the caravan industry it appears to be a case of good news-bad news. Good news for manufacturers, some good news for buyers but also some bad news for buyers. The manufacturers have seen a massive uptick in sales as Australians are forced to change their holiday plans due to international travel restrictions and state border closures. Many have turned to caravanning as an alternative and reports have sales spiking as Aussies flock to experience this style of freedom and relaxed holiday and travel. Some may also be looking to buying a caravan as a safer way of holidaying than staying in hotels and motels, in regards to coronavirus – possibly a consideration. Whatever their reasons, caravan buyers have been out in force. Good news for buyers, interest rates on caravan loans are at historic lows and [Jade Caravan Finance](/ "Discover Caravan Financing Options with Jade") can offer loans at even cheaper rates than ever. Sounds like a plan – purchase a new caravan with a cheap interest rate loan. But there has been a downside….. Good news for the caravan manufacturers with the spike in orders. Australia has a great caravan manufacturing industry and with many other businesses suffering due to coronavirus, it’s heartening to see this sector going strong. Bad news – many caravan manufacturers are located in Victoria, the extended lockdowns potentially impacting their production schedules and access to components from their suppliers. As the majority of new caravans are built to order – bad news looms for buyers. The order books at some manufacturers are full and reports are that there is up to a 12 month waiting list to get your hands on a new caravan. Aaaggghhh, [cheap interest rate caravan loans](/interest-rates "Explore Affordable Caravan Loans with Low Interest Rates") and nowhere to spend them? We have good news – a new manufacturer has emerged onto the scene with reports they are offering quick delivery. ## Australis Caravans – New Manufacturer Reports in the industry news reveal that [Australis Caravans](https://www.australiscaravans.com.au/ "Visit the Australis Caravans Website for More Information") has started production in the caravan hub of Victoria and will be producing a range of 3 caravan models with a quick delivery. Apparently the first model to be launched is a semi off road 20’ caravan suited to families with a 21’6” version next in line. The design is described as ultra-modern with spacious floorplans and master plus bunk beds to cater for families. Features include L-shaped dinette, ensuite bathroom, kitchen located in the centre of the floorplan and contemporary interior styling. The business has adopted Meranti timber for their frames, composite panels on the exterior, Roadking chassis and [AL-KO enduro suspension](https://www.alko.com.au/al-ko-enduro/ "Learn More About the AL-KO Enduro Suspension System"), All highly regarded suppliers. To cater for those heading off the black top, the Australis caravan comes with a grey water tank and 2 fresh water tanks as well as solar panels. Australis have pitched their brand with competitive pricing even for models that are packed with standard inclusion such as air-con, front loading washing machine, stereo sound system and other inclusions from big name suppliers. Well the news is out that there’s a new kid on the caravan block offering quick delivery. If you want to be one of the first to secure your Australis and skip those other wait lists, you’d better get in fast and speak with Australis and with Jade to secure your finance. ## Financing Your Australis So we’ve covered the bad news – provided you with a way to possibly skip those 12 month waits for a caravan. Now for the good news – the low interest rate scenario for caravan loans. Yes! Jade provides [Affordable Secure Caravan Financing](/secured-caravan-finance "Explore Budget-Friendly and Reliable Caravan Financing Options") at the cheapest interest rates available. The Secured Caravan Loan has a standard format but when arranged through Jade, includes many above-standard features. The caravan is used as security by the lender against the monies owed and the borrower repays the loan in equal monthly instalments. With a Jade loan you receive a fixed interest rate at our low rates so you enjoy that current low interest rate over the full term of your loan. That term is fixed so along with the fixed rates you receive a fixed repayment level. In order to place a caravan order, buyers will be seeking to first confirm their finance. For that purpose we offer our pre-approved caravan loan. A pre-approved loan allow you to confirm your finance before you start discussions with the caravan manufacturer. You have the assurance that your loan is approved to a certain amount so you can ‘build’ your caravan to suit your loan. More good news – there is no wait list for a Jade caravan loan. You can apply online right now or give us a call and apply over the phone. So skip the wait list and get your caravan purchase underway today. **To apply for a caravan loan call 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** *DISCLAIMER: PLEASE NOTE THAT THIS INFORMATION IS PROVIDED PURELY AS A GENERAL INFORMATIVE ARTICLE AND IS NOT INTENDED AS A SINGLE SOURCE FOR MAKING FINANCIAL DECISIONS. THOSE THAT CONSIDER THEY REQUIRE ADVICE IN REGARD TO THEIR FINANCIAL SITUATION ARE ADVISED TO REFER TO A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ERRORS OR MISINTERPRETATIONS IN THE DATA, FIGURES, DETAIL AND OTHER INFORMATION AS SOURCED FROM OTHER SOURCES.* **Categories:** Caravan Buying Articles --- ### [Plan an Easter Caravan Holiday](https://www.jadecaravanfinance.com.au/blog/caravan-articles/plan-an-easter-caravan-holiday) **Published:** March 2, 2021 **Author:** Publisher **Content:** With the massive spike in interest in caravans and the demand for caravans in response to [COVID-19 travel restrictions](https://covid19.homeaffairs.gov.au/travel-restrictions "Stay Updated on Current Travel Limitations Due to the Pandemic"), this Easter and school holiday season is sure to be a busy time on the roads and in holiday parks across Australia. The most popular locations are sure to book out quickly so if you’re yet to make your plans, contacting Big 4 Parks or [NRMA Holiday Parks](https://www.nrmaparksandresorts.com.au/ "Visit the NRMA Holiday Parks Website for Your Next Getaway") could be a good place to start. If your preferred destination is not available, think of it as a great opportunity to discover somewhere new. Tourist locations around Australia are keen to welcome visitors and there is sure to be a place that suits your requirements. For this with a caravan with complete off the grid and self-sustainable inclusions, there are both many free camping sites across the country to consider or the option to go off-road and find somewhere quite remote and special. Don’t forget to prepare your caravan for the trip by following the guidelines as provided by the manufacturer and advice from experts. We have posted a number of articles on preparing your caravan which you are welcome to review and we suggest you check out caravan community forums and other online sources for tips and advice. ## Last Minute Caravan Buys If you’re not as lucky as our many Jade Caravan Finance customers and as yet you haven’t purchased your caravan, then you’d better get moving if you want to enjoy an Easter or autumn getaway in your own vehicle. Most caravans are built to order and there are reports of long waiting times for delivery. But there are some new manufacturers offer shorter times plus there may be showroom models and used caravans ready to roll. If stocks of traditional caravans are hard to find, consider other styles such as a camper trailer, a campervan or [motorhome](/blog/caravan-articles/enjoy-the-freedom-of-a-motorhome/ "Explore Our Range of Recreational Vehicles") or a slide-on camper trailer. Fortunately sourcing a caravan loan through Jade is a straightforward process, available year round and can be handled at a fast pace to meet purchaser deadlines. ## Quick Caravan Loans: The Process As professional experts in caravan finance, Jade enjoys the advantage of direct, industry-level access to our lender network to source quotes, process applications and ensure prompt loan settlement. If you decide you can handle your loan yourself, then you’re likely to have to spend quite some time on the phone and possibly on hold, to secure quotes from finance companies and banks. Our process is swift and extremely well-organised. The loan process can happen concurrently with your caravan buying steps. Contact us immediately to provide the necessary details for the loan application, even if you haven’t selected a caravan or completed the sale. Our consultants can get onto sourcing you a quote based on an estimated price at this stage. This is known as a [secured campervan loan](/secured-caravan-finance "Explore Our Secure Financing Options for Campervans"). The loan is sourced, quoted and approved based on a dollar amount rather than on the purchase of a specific caravan. No obligation is attached so if you can’t secure the right van and don’t proceed with the loan, no problem. To complete the application form we will need a range of details and information from you, as is required by the consumer credit laws. So preparing details about your employment, residential status, income, debts, expenses and assets beforehand will expedite the whole process. Once we have that, our consultants are off and running – at speed if your holiday plans demand it. And there’s no extra charge for an express loan service. In many sectors of life you will be charged a fee for a faster service delivery but not at Jade. Our cheap interest rates on caravan loans apply to all loans, regardless of timing. ## Fast Approvals and Prompt Settlement Once you accept our caravan loan quote, then we arrange fast approval so everything is ready to finalise when you have sorted your caravan purchase. The final stages involve the caravan dealer or seller or yourself, supplying us with their invoice for the sale of the caravan. Hint – don’t forget to include all the accessories and options when you make the initial purchase so they can be included in the overall loan. Your Jade consultant liaises between our lender and the dealer to pay the invoice so you can take delivery of your caravan. You will need to arrange caravan insurance and registration. For insurance, a cover note is quite quick to secure and will allow you a period of time to finalise the policy. Registration may be able to be handled through the dealer for brand new caravans. Checking with your state roads authority is recommended. ## Moving Along….. So if you’re planning an Easter, autumn or winter getaway in your new van or camper trailer, Jade can assist with organising the finance quickly and easily. So start looking for that [caravans finance](/ "Learn About Financing Solutions for Caravans Here") and plan your route. **For a fast caravan loan, call 1300 000 003 and speak with one of our Jade Caravan Finance consultants.** *DISCLAIMER: THE INFORMATION IN THIS ARTICLE IS PREPARED SOLELY FOR INFORMATION PURPOSES AND IS NOT INTENDED AS FINANCIAL ADVICE OR AS THE SOLE BASIS FOR MAKING FINANCIAL DECISIONS. THOSE REQUIRING ADVICE SHOULD CONSULT A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ANY MISREPRESENTATIONS OF PRODUCTS, POLICIES AND INFORMATION OR ERRORS IN THE CONTENT AS REFERRED FROM OTHER SOURCES.* **Categories:** Caravan Buying Articles --- ### [New Off-Road Caravans Attract Show Interest](https://www.jadecaravanfinance.com.au/blog/caravan-articles/new-off-road-caravans-attract-show-interest) **Published:** March 5, 2021 **Author:** Publisher **Content:** With the first [caravan and camping shows of 2021](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-news-2021-show-dates/ "Check Out the Highlights from 2021's Caravan and Camping Exhibitions") already happening, caravan manufacturers have been releasing their new models to a welcoming and growing caravan buying market. There are sure to be many more new releases throughout the year, but we take a quick look at some of the off-road and off-grid models that are attracting attention. And we give you some hints and tools to assist you secure a [cheap Jade Caravan Finance](https://www.jadecaravanfinance.com.au/ "Explore Affordable Jade Caravan Financing Options") loan for your choice. ## Sunseeker’s New Vision Well-known and highly respected caravan manufacturer, [Sunseeker](https://www.sunseekercaravans.com.au/ "Visit the Sunseeker Website for More Information"), has started 2021 in impressive style by unveiling its new Vision off-road RV model at the [Gold Coast Expo](https://goldcoastexpo.com.au/ "Discover More About the Gold Coast Expo Event"). This latest model, which adds to the models released in the latter part of 2020, is available as a 19’ 6” dual axle model and a 17’ 9” single axle model. Described as suited for the serious off-road caravan enthusiast, the Sunseeker Vision has an impressive list of inclusions such as a filtered water system, 270 litre water tank and these are full height caravans. The [Sunseeker Vision RV series](https://visionrv.com.au/ "Explore the Sunseeker Vision RV Series Details Here") is an impressive line-up and for those seeking an off-road vehicle, the hybrid design and features of this range may be exactly what you are looking for. Sunseeker is differentiated from many other manufacturers due to their use of aluminium frames. The company claims this provides weight savings, increased strength and reduces the risk of water damage. When browsing the [Sunseeker Vision RV hybrid range](https://visionrv.com.au/our-range/vh-hybrid-series/), keep our [caravan loan calculator](/loan-calculator "Access Our Tool for Calculating Caravan Loan Options") handy to work up repayment estimates on the different purchase prices. Jade caravan loans are available on a no deposit loan basis so you can include the full purchase amount in the loan. Remember to add-in any optional accessories and packages that you want as offered by Sunseeker. If included in the initial purchase, these can usually be included in your loan repayments. ## Wild Boar Charges into the Market While the majority of caravans available in Australia are built by the local caravan industry, there is a new imported caravan now available – the Bush Trotter. This model has a Chinese built hybrid mould and is imported by Queensland based [Wild Boar](https://wildboarcampers.com/ "Discover More About the Fascinating Wild Boar Species") who displayed the Bush Trotter at the Gold Coast Expo. This new Bush Trotter is designed locally and includes many locally sourced components. The new 16’ model is a hybrid and an addition to the Wild Boar range of 10’ and 12’ campers. It boasts numerous innovative features and a very distinctive external styling. Wild Boar is based in Brendale, Queensland and assemble all their camper trailers at their facility. The range is designed to meet the tough conditions experienced in off-road Aussie adventures. Worth checking out their range to see if a Wild Boar suits your caravan and camper trailer requirements. ## Bushtracker Show Special Another new release at the Gold Coast Expo came from [Bushtracker](https://www.bushtracker.com/). The model, a 19’ compact caravan attracted attention as it has done away with the need for gas. That’s right, no more gas bottles and gas-powered water, heating and cooking. The new Bustracker has 8 solar panels, a 600aH battery with charger and inverter to run the systems Sound interesting? Head to the Bushtracker website for all the details. ## Caravan Show Update These new models emphasise and support the theme of many of our recent articles where we have discussed the 2021 caravan show calendar, what you may expect from attending and how to prepare if you intend to order a caravan at an expo. After so many show cancellations in 2020 and the surge in interest in caravans, manufacturers will no doubt have many new models to display to eager buyers. Many exhibitors offer special deals – ‘show specials’ – with pricing deals which are only available to those that order at the event. Being in a position to snap up show specials starts well before you attend the event. To assist buyers, Jade Caravan Finance provides a [fast and secured caravan loan](/secured-caravan-finance "Learn About Your Pre-Approved Secure Financing for Caravans") service. This entails applying for a loan, based on a purchase price estimate, before you even make your final purchase decision. The quoting, application and loan approvals process follows the same format as applying for a loan after you’ve signed a purchase contract. The advantages are that you know how much you are approved for and with your loan pre-approved, have the confidence to talk deals at the show. You are welcome to commence the pre-approved loan process at any time. A pre-approved loan will have a valid timeframe which you will be advised of at time of making an application. Another show tip is to have our caravan finance calculator at the ready for use on your phone while inspecting what’s on offer at the show. The calculator allows you to calculate rough estimates on purchase prices on the spot. **To talk pre-approved loans or any other aspects of caravan finance, speak with one of our Jade Caravan Finance consultants on 1300 000 003** *DISCLAIMER: THE INFORMATION IN THIS ARTICLE IS PREPARED SOLELY FOR INFORMATION PURPOSES AND IS NOT INTENDED AS FINANCIAL ADVICE OR AS THE SOLE BASIS FOR MAKING FINANCIAL DECISIONS. THOSE REQUIRING ADVICE SHOULD CONSULT A FINANCIAL ADVISOR. NO LIABILITY IS ACCEPTED FOR ANY MISREPRESENTATIONS OF PRODUCTS, POLICIES AND INFORMATION OR ERRORS IN THE CONTENT AS REFERRED FROM OTHER SOURCES.* **Categories:** Caravan Buying Articles --- ### [Tickets Now on Sale: NSW Supershow](https://www.jadecaravanfinance.com.au/blog/caravan-articles/tickets-now-on-sale-nsw-supershow) **Published:** March 8, 2021 **Author:** Publisher **Content:** It’s one of the biggest caravan shows of the year and one not to be missed. The [NSW Caravan Camping Holiday Supershow](https://www.supershow.com.au/ "Explore the NSW Caravan Camping Holiday Supershow Event") is very close and ticket sales are now open. Due to COVID-19, tickets must be purchased ahead of time, so get in fast to ensure you don’t miss out. Miss out on what? We checked out what you may expect and give you some tips on preparing for the big days – yes, this is a massive 6 day event! The Supershow will be held at Rosehill Garden in Sydney from Tuesday 13 April through to Sunday 18 April 2021. Opening hours 9.30am-5pm for Tuesday through Saturday and 9.30am-4pm on the Sunday. Free parking is available onsite and for those that prefer, transport options include bus, train and ferry with a bus link. ## Who is Exhibiting? The organisers are expecting around 260 exhibitors at the 2021 Supershow but so far no specific list is available. But you can anticipate that you will see the latest models from top manufacturers of motorhomes, caravans, camper trailers and RVs of all types and sizes and across all price ranges. A very important point to note is from the organisers of this event, the [CCIA (Caravan and Camping Industry Association)](https://www.caravanindustry.com.au/ "Learn More About the Caravan and Camping Industry Association (CCIA)") that all of the RV exhibitors are licensed NSW motor dealers. For buyers, this means consumer protections are offered via the guarantees and the warranties as issued by the RV dealers which are only applicable to dealers that hold a Government licence. That’s great to know and could be a sign to get your finance organised through [Jade Caravan Finance](/ "Discover Your Caravan Financing Options with Jade") so you can buy at this expo. ## What’s On? In addition to all the exhibitors showing their latest RV models, show attendees have plenty of other entertainment, attractions and information sourcing to get through. - Seminars covering expert advice and films. Topics include Safer Towing, Outback Travel and information for new caravan owners. - Cooking demonstrations on ideas for caravanning meals with TV chef Fast Ed. Meals and recipe ideas will be available. - Talks with RV specialist and TV host, Pat Callinan Fortunately, you have 6 days to cover the Supershow! Secure tickets for enough days to allow you time to consider the products in detail, talk with the dealers, have your questions and queries addressed and place your order for your new caravan. Due to COVID-safe planning, you’ll need to have your e-tickets on your phone so they can be scanned on arrival and you’ll need to use the Service NSW QR check-in system. If coming from interstate, download the app ahead of time so you’re ready. Stay across the COVID-safe information for any updates or changes to arrangements. ## Pre-Approved Caravan Finance Now Available With the NSW Supershow less than a month away, now is the ideal time to apply for a pre-approved caravan loan so you can order with confidence on the day. Jade Caravan Finance offers pre-approved caravan loans as part of our comprehensive leisure lending service. Pre-approved loans are available for our Secured Caravan Loan. This is the type of loan that suits most of our caravan buyers and most caravan types. The [Secured Caravan Finance](/secured-caravan-finance "Explore Reliable Financing Solutions for Your Caravan") features include:- - The caravan is used as the security or guarantee against the loan. - No deposit finance is available so most borrowers can include 100% of the caravan purchase price in their loan. - Jade arranges this type of loan at our cheap interest rate which is fixed for the full duration of your loan. - The loan is fixed as is the repayment schedule. A fixed monthly repayment applies. - You can make additional payments if desired with this type of loan. By making additional payments, the loan would be finalised prior to the fixed loan term. A minimal break fee usually applies. - This loan is suited to all types of new caravans including traditional caravans, off-road, hybrids, camper trailers, slide-ons, motorhomes, RVs, campervans and others, within lender loan amount thresholds. ## Applying for a Jade Caravan Loan Applying for either a pre-approved loan or a loan after you’ve made a purchase commitment, can be done either by phone or online. On making contact with Jade, you will be appointed your own consultant that will work through all aspects with you and be your one point of contact through the entire process. Your consultant will take your briefing, request the required information from you and then proceed to source you the cheapest offer from across our many lenders. Upon acceptance of our quote, your application will be processed. If a pre-approved loan, the offer will be valid for a set amount of time. You will be advised of this at the time. There is no obligation to proceed with a pre-approved loan. So if you don’t find your perfect caravan at the Supershow, no problems. But if you do, you will have the confidence to commit to the purchase so the dealer can start building your caravan. Hot Show Tip: have our [caravan finance calculator](/loan-calculator "Access Our Caravan Financing Calculator Tool") handy on your phone to calculate repayment estimates on the caravans displayed. **Call 1300 000 003 and speak with one of our Jade Caravan Finance consultants to discuss your caravan loan requirements.** *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.* **Categories:** Caravan Buying Articles --- ### [Ensure You're Buying a Compliant Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/ensure-youre-buying-a-compliant-caravan) **Published:** March 12, 2021 **Author:** Publisher **Content:** As you would expect with most Australian manufacturing sectors, the caravan, RV and camper industry is subject to compliance under a range of government regulations. When purchasing a caravan, buyers should be aware of the compliance aspects surrounding the type of RV they are considering. There are a number of current and approaching issues that Jade Caravan Finance would like to make buyers aware of, to ensure they are purchasing a compliant vehicle. While the finance side of the caravan purchase may not address the issue of compliance, the insurance and registration of the vehicle may be impacted. ## RVMAP Accreditation Before we cover off on the current matters, we draw your attention to the [RVMAP accreditation scheme](https://www.caravanindustry.com.au/rvmap "Learn About the RVMAP Accreditation Program Here") which is operated by the Caravan Industry Association. RVMAP stands for Recreational Vehicle Manufacturing Accreditation Program and the Association claims 90% of the major RV manufacturing businesses in Australia have opted into the program. This is a voluntary scheme and does not reflect or is associated with guarantees and warranties but having the RVMA accreditation key indicates the commitment by the business to supply their goods and products which adhere to and meet the Australian Design Rules that apply to the industry and the Federal Compliance Regulations. Businesses are regularly inspected to ensure they comply. This accreditation is seen as providing confidence to buyers as these businesses must comply with the code of ethics as stipulated by the RVMAP. These can be reviewed on the association’s website [www.caravanindustry.com.au](https://www.caravanindustry.com.au "Visit the Caravan Industry Australia Website") ## New Road Vehicle Standards Act (RVSA) On 1 July 2021, the new [RVSA](https://www.infrastructure.gov.au/infrastructure-transport-vehicles/vehicles "Explore the RVSA (Recreational Vehicle Safety Accreditation) Program") comes into effect and is seen as the most significant piece of legislation change for the caravan industry in Australia for more than 30 years. The new Act replaces the act of 1989 and reflects the developments in the vehicle manufacturing industry, especially in regard to technologies. The new legislation is seen as providing regulators with the enforcement powers required to combat non-compliant operators and ensure unsafe RVs are not on our roads. The changes to the legislation affect caravan and RV manufacturers as they will need to have Federal Government approval. Self-certification by manufacturers will no longer be permitted. In addition, all vehicles under this Act will have their vehicle identification number (VIN) recorded in a Register of Approved Vehicles. This is an online system. If a vehicle is not in the register, the state authorities will not issue vehicle registration. So caravan manufacturers will need to have the appropriate approvals and registrations in place, in order for buyers to register their caravans. This is an important aspect to watch out for when buying a new caravan. ## ACCC Caravan Compliance Another aspect of caravan compliance which is currently being addressed is the work being done by the ACCC to take action against those manufacturers that do not meet their obligations under the consumer law for non-compliant and sub-standard build RVs. [ACCC Chairman Rod Sims](https://www.accc.gov.au/about-us/australian-competition-consumer-commission/accc-chair-commissioners "Read Insights from the Chairman of the ACCC, Rod Sims"), in a recent address to a business group, reportedly said the pursuing of RV and caravan businesses that were not complying with their obligations under consumer law was a 2021 priority for the organisation. The caravan industry has seen significant recent growth and the ACCC had received complaints from buyers about defective issues, faults and non-compliant vans and the manufacturers not meeting warranty and other requirements. The ACCC is looking to increase compliance across the industry. ## Buying Processes As with the purchase of any high value goods, when buying a new caravan, most buyers will be taking the utmost attention to every detail. Extra attention should be made to ensure the manufacturer meets the relevant compliance regulations so your vehicle is safe and you will get many years of travel and holiday enjoyment. When buying a caravan under finance through [Jade Caravan Finance](/ "Discover Financing Solutions by Jade for Your Caravan"), our consultants have the resources to check with a range of aspects around regulations but not all aspects. The caravan is used as security against the loan so should the vehicle be found to be faulty in any way, the borrower will still be obligated to meet the loan repayments. Any faults and other defects would need to be addressed with the dealer or manufacturer under the relevant consumer law. When purchasing a caravan, it’s essential to update on what is covered under the consumer laws as well as the warranty and guarantees as provided by the manufacturer and the dealer. Caravans include components from multiple suppliers. Each may be covered by different warranties or collectively by the manufacturer as part of the process. Additionally, using a [camper trailer finance calculator](/loan-calculator "Access Our Tool to Calculate Camper Trailer Financing") can give you an insight into your financial commitments. Having a full knowledge of these details may be worthwhile should any issues arise, which we genuinely hope do not for you! Before committing to a caravan purchase, contact Jade Caravan Finance to organise a pre-approved loan and request assistance from our consultants, where possible, in regard to compliance checks and information. **Speak with one of our Jade Caravan Finance consultants on 1300 000 003 regarding a loan for your next caravan** *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.* **Categories:** Caravan Buying Articles --- ### [A Calculated Cost Decision: Off-road or bitumen-only?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/a-calculated-cost-decision-off-road-or-bitumen-only) **Published:** March 18, 2021 **Author:** Publisher **Content:** Whether you’re a long-time caravan enthusiast or just a casual observer, you can’t help but notice the surge in off-road caravans. Many manufacturers are adding off-road, hybrid and fully 4×4 models to their collections and expanding the capabilities of scope of these vehicles. The expansion in models is no doubt driven by demand. The demand of many caravan travellers to venture off the bitumen and onto tracks and trails to access certain locations and destinations. It’s not only the hardy, thrill-seeking adventurer types that are buying these off-road vehicles. Many families and regular every-day travellers are choosing this type of fully-supported caravans. But for many, is it really worthwhile? Do you really need to spend that extra on such a vehicle to access where you want to go? How much will not having off-road capabilities detract from your caravan holiday and touring experience? At [Jade Caravan Finance](/ "Discover comprehensive caravan financing solutions with Jade Caravan Finance") we see the answers to these questions as a calculated decision. The calculation of the cost differentials. We’ve provided resources to assist you make those calculated decision. ## Accessing Great Locations Getting to many ‘special’ and outback destinations does not necessary require navigating off-road tracks. On the flip side, owners of off-road caravans are seen frequenting the standard holiday parks and other areas which are just as easily accessed by a standard caravan. Even many of the free camp sites, which are often associated with hard to reach locations, are accessible with standard vehicles. Before deciding if that extra expense is worth it, refer to the maps of the places you may like to visit and check the road surfaces and conditions. Another good tip is to tune in to community forums and expert reports from experienced caravan owners. We’ve seen many that explain how accessing many seemingly remote and outback areas is easily done without traversing rough terrain. Some experts have noted that covering unsealed roads safely can be achieved in some locations with considered driving techniques – especially reducing speed. Mastering driving on rough terrain and on seriously off-road tracks and trails requires knowledge and experience. If you are intent on doing so, engaging in education is strongly advisable to give you the skills and the confidence required. ## Comparing Caravan Costs Apart from the skill level to navigate off-road, we identify two main cost considerations in the off-road v bitumen decision making process. The cost of the caravan itself and the cost of the towing vehicle. You may need a bigger or more robust vehicle to tow your off-road van so that needs to be costing into considerations. The purchase price of off-road compared with standard caravans is typically greater. But the size of off-roaders also varies. Then there is the option of a slide-on or camper trailer. You can scale your wish list up or down to suit your budget if you do have your mind set on an off-road vehicle. To enable you to calculate your own costs, we have provided [personal caravan loan calculator](/loan-calculator "Access Our Handy Tool: Calculate Your Personal Caravan Loan"). The calculator allows you to quickly and simply generate loan repayment estimates on different caravan purchase prices for our most popular loan – the Secured Caravan Loan. Jade Caravan Finance offers [no deposit caravan loans](/no-deposit-caravan-finance "Explore Financing Options for Caravans with Zero Down Payment"). That means, many customers can borrow the total purchase price of their caravan. So you can enter the full purchase price in the ‘loan amount’ field in our calculator. Both off-road and standard vans usually come with options and accessories. These can include additional solar panels to increase self-sustainability, larger water tanks and for standard vans may include a semi-off road upgrade. If you order these at the time of ordering your caravan, you can include them in your overall loan. So load up all your preferences for standard, semi-off road and fully off-road caravans and enter the different purchase prices into the calculator. Insert the cheap interest rate we’re currently offering and you preferred loan term and click CALCULATE. Instantly, the repayment estimate on that loan is shown. Hint: if doing multiple calculations, note the result as the calculator does not have a memory to retain your previous calculations. As the calculator is a generic device the results derived can only be used as estimates but they are a great help when making caravan comparisons. You can immediately see the possibly difference in repayments between off-road and standard models of the same size/quality and the difference between different sized and quality off-road models. Compare cheaper camper trailers with traditional off-road caravans and hybrids. To receive a confirmed quote, simply click REQUEST A QUOTE or give us a call. ## Accessing Cheap Finance for Off-Roads As venturing off the black top becomes even more popular, the quality and range of off-road caravans will no doubt continue to expand. Jade Caravan Finance provides cheap finance for all types of caravans, regardless of size, type or capabilities. Refer to our [lender caravan interest rate comparison](/interest-rates "Compare Caravan Loan Interest Rates from Various Lenders") chart to see just how we stack up on price against others in the caravan lending market. When calculating the cost of your caravan buying decisions, refer to Jade Caravan Finance as the specialists in recreational vehicle lending. **For a loan quote on an off-road or a standard caravan, contact Jade Caravan Finance on 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.* **Categories:** Caravan Buying Articles --- ### [New: Sunliner Fifth-Wheeler](https://www.jadecaravanfinance.com.au/blog/caravan-articles/new-sunliner-fifth-wheeler) **Published:** March 26, 2021 **Author:** Publisher **Content:** Caravan or fifth-wheeler? This is a question faced by some caravan buyers as they weigh up the pros and cons of all types of RVs, camper trailers and traditional caravans in making that all-important purchase decision. Fifth-wheelers are extremely popular in the US leisure and RV market but the traditional caravan dominates the Australian leisure vehicle market. To tempt more Aussies to consider a fifth wheeler, Sunliner is due to launch a new luxury model – the Houston. For those unsure of the difference between a fifth wheeler and a caravan: a caravan is towed by the vehicle by hitching to the towing mechanism. A fifth wheeler attaches via a turntable or hitch which is over the rear of the vehicle, usually a ute style vehicle. The turntable is seen as resembling a wheel, hence the name fifth wheeler. So the purchase decision may be determined by your towing vehicle or, as with decisions around caravan or camper trailer and many other decisions, it could come down to personal preference. Whichever RV you decided to buy, be assured that Jade Caravan Finance loans are for all types of caravans, RVs, fifth wheelers, camper trailers and campervans. There are a number of Australian caravan manufacturers that include fifth wheelers in their range including Sunline. They have offered the Northshore for many years but now add to that with the Houston. ## Sunliner Houston According to Sunliner, [the new Houston](https://www.sunliner.com.au/5th-wheelers/houston "Celebrate the Vibrant Energy of Houston's Latest Evolution") has been designed to suit conditions in Australia and has a lighter weight to suit towing by many popular utes such as the HiLux, Ranger and Navara. It is a luxury vehicle, available in around 6 different layouts and has an impressive list of specs and inclusions. Sunliner appear to have covered off on all the essentials in the Houston including a reversing camera, climate control, entertainment systems, two 9kg gas bottles, two 110 litre fresh water tanks, two 110 litre waste tanks and safety features. Features include extra storage with drawers cleverly included under seating, floor to ceiling pantry and an external table. The layouts include slide-out versions and sleeping accommodation is for up to six, depending on the layout selected. Lengths cover from 7.18 metres through to 9.38 metres, width is 2.45 metres and height 3.1 metres. The feeling is light and spacious, the look and décor is contemporary and the quality high and typical of this highly regarded manufacturer. While full details are still to be released, you can request a Sunliner Houston brochure via the company’s website at [www.sunliner.com.au](https://www.sunliner.com.au "Explore Sunliner's Website Here") Sunliner has been operating for over 40 years and offers a range of motorhomes, fifth wheelers and campervans. The company has a manufacturing facility in Victoria and dealers in many locations across Australia. ## Buying a Houston Sunliner There has been much coverage of the demand for caravans in Australia due to the travel issues around coronavirus with some manufacturers are reporting long wait times for delivery of new caravans. So getting in fast to order your RV could be a really good idea. It could be expected that Sunliner will be an exhibitor at some of the caravan and outdoor expos and shows throughout the year and the Houston may make an appearance. But the shrewd buyer, the one that is intent on getting their vehicle, will be making preparations to place an order with Sunliner ASAP. To enable buyers to confidently place orders for a Houston or any other caravan, Jade Caravan Finance offers our [fast secured ](https://www.jadecaravanfinance.com.au/secured-caravan-finance.php "Discover Quick and Secure Financing for Your Caravan")[caravan ](/secured-caravan-finance "Discover Quick and Secure Financing for Your Caravan")[loan](https://www.jadecaravanfinance.com.au/secured-caravan-finance "Discover Quick and Secure Financing for Your Caravan") service. A pre-approved caravan loan follows the same loan application and processing steps as for all our caravan loans except it occurs prior to purchase. The loan amount is estimated and the applicant approved for that amount. A pre-approved loan attracts our same [cheap interest rate caravan finance](/interest-rates "Explore Affordable Caravan Financing with Low Interest Rates") as a post-purchase loan and the same loan features and benefits. There is no obligation attached to our pre-approved loan so if you change your mind on the purchase, it’s not a problem. To see what a pre-approved Jade loan on a Houston may work out for you in repayments, refer to our caravan loan calculator or caravan lender comparison chart. ## Finance for Sunliner Houston Fifth Wheeler Fifth wheelers can be purchased with the same type of loan as we offer for traditional, off road and camper trailers – the Secured Caravan Loan. The type of caravan does not affect the features and specs of this type of loan. - The Houston or other fifth wheeler is put up as the security by the borrower against the monies being borrowed. - No deposit finance is available, so you can borrow 100% of the purchase price of the Houston. Don’t forget to include any optional extras you may want at the time of ordering so they can be included in the loan amount. - Jade’s cheap interest rates apply and are fixed for the complete fixed loan term. - The repayments are fixed across the loan term, payable in monthly instalments. Extra payments can be made. You can apply for a [Jade Caravan Loan](/ "Learn More About the Jade Caravan Financing Option") to purchase a Sunliner Houston online or over the phone with one of our consultants Don’t miss out, organise your pre-approved caravan loan ASAP. **For a quote on a loan for a Sunliner Houston fifth wheeler, call Jade Caravan Finance on 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.* **Categories:** Caravan Buying Articles --- ### [Buying a caravan: move forward in Retreat](https://www.jadecaravanfinance.com.au/blog/caravan-articles/buying-a-caravan-move-forward-in-retreat) **Published:** March 29, 2021 **Author:** Publisher **Content:** Moving forward with your plans to get into a new caravan may involve a retreat – a step inside one of the great models available from [Retreat Caravans](https://www.retreatcaravans.com.au/ "Explore the world of Retreat Caravans"). This family owned business has been operating for over 15 years, is based in the caravan manufacturing hub at Campbellfield Victoria and has reportedly sold over 5,000 caravans. Impressive stats and well-worth putting Retreat into your considerations when deciding which particular caravan you will buy. Also impressive is the Retreat emphasis on innovation and design in the manufacture of their contemporary range of caravans. Of particular note in Retreat Caravans construction is in the way they construct the caravan walls. The company’s RXP construction method focuses especially on improving the thermal insulation properties of the caravan. [More info](https://www.retreatcaravans.com.au/what-is-rxp/ "Learn more about Retreat Caravans and their RX-P technology"). Insulation can be important regardless of what regions you travel in your caravan. Maintaining a comfortable internal climate adds to your enjoyment and may reduce the need to run air con and heating. Autumn and winter are great seasons to head to inland regional areas, especially the mountains, for that invigorating crisp air and the great food experiences. But it can be chilly especially at night. While in summer and year-round in parts of the north of Australia, the heat can be uncomfortable. So having superior insulation properties in your caravan can be very much appreciated. Retreat Caravans achieve these improved thermal properties through its trademark construction method, which involves multiple layers of materials, and through the use of selected materials. They replace the timber construction used by many other caravan builder, with a composite material which doesn’t absorb water. And they back it up with their structural guarantee – rot free – for the life of the caravan. You’re buying a caravan for your leisure time, so any extra touches that can increase your comfort and enjoyment while limiting the need for maintenance and repairs has to be a plus. Let’s take a look at the Retreat Caravans range and then provide you with information on financing your purchase. ## Retreat Caravans Range The range includes 4 models with multiple floorplans and variations within each model. - [Daydream Range](https://www.retreatcaravans.com.au/product/daydream/ "Explore the Daydream Range and its features") is an off-road caravan with all the comfort inside that you expect in your home when you’re not at home. Features include air con, self-closing extension draws, full fibreglass shower, exterior toolbox, external TV and entertainment facility, external shower locker, grey water tank an style to impress. - Fraser Range is fully off-road but includes the luxury and comfort you’ll appreciate. The added extras on this range include smooth cladding, double-glazed windows, heaps of extra checker board, tunnel boot and toolbox. Plus, buyers can select exactly which Fraser will suit their travels from 22 variations. - The Whitsundays are known as an idyllic destination and the Retreat Whitsunday Range may be the ideal caravan to enjoy the area. This collection has a sophisticated edge and pure style, with handpicked interior features. Ranger roof hatch, well-appointed kitchen areas, a number of TV facilities, and plenty more. - The ERV collection is an off-road range with impressive and useful features such as the toolbox on the A frame, grey water tank, exterior BBQ, pillow top mattress, cassette toilet and plenty more. In addition to the 4 model ranges, the company includes a range of optional packs so buyers can select exactly what extras they would like to enhance their caravan travelling and holiday experience. Retreat Caravans are reported to be exhibiting at a number of caravan shows in 2021 including the Victoria Supershow in May amongst others. So try to get along to a show and see if a Retreat is the way forward with your caravan plans. ## Moving Forward with Finance Most people don’t move very far forward with their caravan purchase without a [caravan loan](/ "Discover your caravan financing options"). Not all banks and finance companies offer specific caravan loans. Instead, caravan buyers may be offered their generic personal secured loan. Not so at Jade Caravan Finance. As specialist lenders to the leisure market, we do offer specific caravan loans. We understand the market, buyer requirements and we have established our service offering to meet those demands. Our [Secured Caravan Loan](/secured-caravan-finance "Explore secure financing for your caravan purchase") is suited to buyers of most new caravans, both traditional on road models and off-road models. The caravan is used as security by the lender against the loan, but the buyer takes on ownership immediately and is responsible for all maintenance, insurance and ongoing expenses. While Retreat has an emphasis on thermal insulation in their caravans, Jade insulates our customers against interest rate hikes. We have an emphasis on achieving better [caravan finance interest rates](/interest-rates "Discover competitive caravan finance interest rates") across our loans and the interest rate is fixed at that low rate for the entire term of the loan. So if and when interest rates do increase at some point in the future, those increases won’t impact your existing loan. That can provide our customers with assurance around their finances moving forward. The loan term for our caravan loans is also fixed, which along with the fixed interest rate means, fixed repayments. So once you have your Jade caravan finance locked in, it stays that way for the term of the loan. But you do have the option to make extra payments if you wish. By doing so, you may pay out the loan early, which attracts minimal break fees. To assist with repayment estimates, utilise our free [online caravan finance calculator](/loan-calculator "Access our online caravan financing calculator today!"). So if you’re looking to move forward with your caravan plans, perhaps in a Retreat, contact us to discuss a quote or start your application. **Call 1300 000 003 to discuss a quote with a consultant.** *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.* **Categories:** Caravan Buying Articles --- ### [Creating Your Own ‘Travel Bubble’. Itinerary for owning a caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/creating-your-own-travel-bubble-itinerary-for-owning-a-caravan) **Published:** April 1, 2021 **Author:** Publisher **Content:** The opening of the [trans-Tasman travel bubble](https://www.airnewzealand.com.au/trans-tasman-bubble "Explore the trans-Tasman travel bubble updates") is creating a lot of excitement for many Australians who have been limited to domestic and sometimes local travel and holidays for over a year. But with ongoing issues around the vaccine roll-out, the potential for changes to border arrangements at any time and simple personal preferences, heading across the ditch for a holiday is not in everyone’s plans. One way to make your holiday and travel plans well within your own control and less subject to issues caused by COVID-19 is to create your very own travel bubble – buy a caravan. Buy once and you have a fantastic holiday home on wheels that you can enjoy for many years and you can use to visit fairly much an endless number of destinations at any time of the year. Travel to your own schedule with no worries about flight cancellations or delays. If you have an off-grid caravan model you can choose to stay at free campsites to minimise costs or enjoy the camaraderie and facilities at any number of holiday parks around Australia for a small outlay. So what’s involved with buying a caravan and most particularly, what’s involved with getting a loan to purchase the caravan? [Jade Caravan Finance](/ "Visit Jade Caravan Finance for great financing options") provides insights to assist you to create your own travel bubble with the purchase of a new caravan. ## Buying a Caravan Caravan is the umbrella term used in many contexts to describe a wide range of mobile and leisure vehicles: traditional caravans, camper trailers, mobile homes, hybrid caravans, slide-ons, fifth wheelers, RVs, campervans and other variations. Australia has a great caravan manufacturing industry with many companies delivering high quality vehicles to the highest standards. There are standards set by authorities and when selecting a van, buyers should ensure their selection meets the latest regulations. More information here. You will of course need the correct vehicle to tow the caravan so ensure your vehicle has the correct towing capacity. Many caravans are built-to-order so you select the floorplan and model you want with whatever selection of finishes, options and accessories the manufacturer offers and place your order. Most manufacturers are represented by dealers around Australia so you can inspect before buying. To assist buyers, there is an extensive [calendar of caravan shows](/blog/caravan-articles/caravan-news-2021-show-dates/ "Browse the schedule of caravan exhibitions and events") hosted in many locations throughout the year which offer a great opportunity to see and compare different makes and models in one place. ## Sourcing Caravan Finance Loans are available to buy caravans and buyers have the choice of either handling the process themselves or engaging the services of a finance broker style lender such as Jade Caravan Finance. We’re specialists in caravan finance and offer many benefits over the DIY approach. Why should you use Jade as your lender? Why shouldn’t I get my own loan? These are not uncommon questions and we happily address them. There is constant talk in finance advice columns and publications about shopping for your home mortgage. Checking out what lenders are offering to see which is offering the best deal for your requirements. It’s only sensible that you should shop for all major loans including your caravan finance. Survey the market, make calls for quotes, consider all your options to get the cheapest deal. But who has time these days? Jade has accreditation with multiple banks and lenders so we quickly and easily canvass a very large section of the lending market to source our customers the cheapest deal. You can refer to our [caravan finance interest rates](/interest-rates "Explore caravan financing interest rates") to compare lending options to other lenders. So we save you the time of having to source multiple quotes to, hopefully, find the cheapest. Added to the time involved in sourcing loan quotes yourself, there’s an added complication. With some specialist finance areas such as in the leisure sector and specifically caravan loans, it’s not as straight forward as for more popular sectors such as home loans and car finance. Finding which lenders actually offer caravan finance can be a task itself. You won’t always find a clearly and specifically designed caravan loan product from all banks and lenders. You may have to settle for their general, all-purpose loan. As a specialist in the sector, we do have a specific [Secured Caravan Loan](/secured-caravan-finance "Discover secure caravan loan options") which is designed for the purpose of purchasing all types of new caravans and RVs. The process involved in sourcing a caravan loan through Jade is simple. - For starters, you can either arrange your loan before or after deciding on a caravan as we offer pre-approved loans. - You contact us via phone or online to request a quote and complete the application form. - You’re assigned a Jade consultant, a fully trained finance professional, who handles the entire process, from quote to settlement. - So you can get onto selecting your caravan or planning your first travel itinerary while we do the work for you to approve and sign-off on. ## What will your loan repayments be? Good question and key to your travel bubble being an affordable holiday option. Use our [caravan loan repayment calculator](/loan-calculator "Calculate your caravan loan repayments in seconds") to work out quick estimates. All you need is the price of the caravan as we offer no deposit finance so 100% of the purchase price can be borrowed (subject to lender approval of course). On the caravan loan interest rate calculator, enter the price of the van, and the number of years you want to repay the loan, and the repayment estimate will be displayed. Creating your own travel bubble, aka buying a caravan, can be a cost-effective and easy way to holiday and travel with a loan through Jade. **To discuss your requirements, contact 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.* **Categories:** Caravan Buying Articles --- ### [Rosehill Caravan Show: Preview and Pre-arrangements](https://www.jadecaravanfinance.com.au/blog/caravan-articles/rosehill-caravan-show-preview-and-pre-arrangements) **Published:** April 5, 2021 **Author:** Publisher **Content:** As the clock ticks down to one of the biggest drawcards of the caravan industry year, it’s time to check out what makes and models visitors can expect to inspect at the [Caravan and Camping Supershow](https://www.supershow.com.au/ "Explore the Exciting Caravan and Camping Supershow") at Sydney’s Rosehill Racecourse. News reports have it that one of the country’s largest manufacturers, Jayco, won’t be exhibiting this year. Apparently due to the flow-on effects of the pandemic – short on stock and availability of staff to attend. But there are plenty of other big names and smaller companies for caravan and camping enthusiasts to see. Over 260 actually so you may need several of the 6 days, 13-18 April, to catch up with all the exhibitors you are interested in seeing. For those that have already decided to place an order at the show, you’re welcome to contact us to arrange a pre-approved caravan loan. ## Show Exhibitors and Attraction The exhibitor directory is impressive – [Austral Motorhomes](https://www.australmotorhomes.com.au/ "Discover More About Austral Motorhomes"), Lotus, Masterpiece, Goldstream, Essential Caravans, Crusader Caravans, Cub Campers, Blue Tongue RVs, Vacationer, Willow, Austrack Campers, Millard, New Age, Nova, Stoney Creek, Bushtracker, Concept Caravans, Winnebago, Active Campers, Atlantic Caravans, Ezytrail Campers, Horizon Motorhomes and Bluewater Campers are just a few of the caravan and camper manufacturers and sellers listed as exhibiting. In addition to manufacturers the holiday parks are represented with Big 4 Holiday Parks amongst others. Plus there will be a wide selection of caravan accessories, gear and equipment suppliers showing their latest products to enhance your caravan touring. There are also seminars and entertainment, some of which you will need to reserve your place ahead of time. Ahead of time you’ll also want to bookmark our [caravan finance repayment calculator](/loan-calculator "Explore Our Caravan Finance Repayment Calculator") webpage on your phone so you can generate quick loan repayment estimates while you’re talking with the manufacturer representatives. ## Exhibitor Preview Many of the big caravan manufacturer exhibitors we have showcased through our blog articles in recent months. We’ve also revealed some of the new models which were launched at the Gold Coast show and it would be expected that at least some of these would also be showcased at the Supershow. Atlantic Caravans recently released their Atlantic X range which is targeted at those buying their first caravan and priced in a very affordable range but still has plenty of luxury and comfort features. Melbourne-based Condor Caravans is on the exhibitor list and no doubt will bring their 5 star quality edge to the event. A custom-build manufacturer, Condor presents five layouts and lengths from 18’4” through to 24’ for buyers to select their van. The range includes off-road options. [Vacationer Caravans](https://www.vacationercaravans.com.au/ "Explore Vacationer Caravans Now!") are also on the show list and it would be expected that they will display their 2021 range. These include the Dakar, Roadtracker HR and Rough Rider. The Dakar is described as an ultimate off-road vehicle and has the inclusions to meet such a claim. The outback suspension from ALKO, up to 4 solar panels, two 95 litre water tanks, 110 litre grey water tank and 62 litre drinking water tank, ATR tyres, heaps of checkerboard to protect your caravan, 230 litre fridge and a dust extraction system. The Rough Rider is the company’s luxury flagship semi off-road model. Loaded with features and certainly not short on luxury comfort inclusions. [Golf Caravans](https://www.golfcaravans.com.au/ "Check out the latest Golf Caravans here!") is another manufacturer set to show at the Supershow. The company specialises in pop tops, hardtops and campers. Also on the list is Hard Korr Campers, a Queensland-based manufacturer that specialises in off-road camper trailers. For those considering upgrading features of their existing caravan, Dometic will be exhibiting. This brand is a favoured supplier with many manufacturers for fridges. The company has air conditioning systems, awnings, solar, generators and many more accessories to enhance your caravan experience. That’s just a small sample of the vast range of companies you have the chance to meet and discuss your caravan requirements with at the Supershow. ## Securing a Pre-Approved Caravan Loan With the preview covered, consider pre-arranging your caravan loan so you can place your order at the show and expedite delivery of your vehicle. There has been a lot of coverage of the spike in caravan sales due to the changed holiday plans in Australia. Many manufacturers will have longer delivery times so the sooner you get your name on the list with your order, the faster you can take delivery. [Jade Caravan Finance](/ "Discover financing options with jade Caravan Finance") assists buyers in this regard with our pre-approved caravan loan service. Simply contact us with an estimate of what you expect your van to cost, which can be the total loan amount in most cases. We’ll get the ball rolling by quickly sourcing you a loan quote and with your OK, expedite your application to ‘approved’ status. That means, your caravan loan is approved for that loan amount. So you’re set to go and place that order with confidence. Our same [cheap caravan loan interest rates](/interest-rates "Discover affordable caravan loan interest rates") apply whether you arrange a pre-approved loan or wait until after you’ve committed to purchase to apply for your loan. For all the details on how to apply and what is required, simply give us a call and one of our Jade consultants will answer your queries. **Call 1300 000 003 to discuss your requirements** *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.* **Categories:** Caravan Buying Articles --- ### [Demand Up, Rates Down: Preparing for Victorian Caravan Shows](https://www.jadecaravanfinance.com.au/blog/caravan-articles/demand-up-rates-down-preparing-for-victorian-caravan-shows) **Published:** April 12, 2021 **Author:** Publisher **Content:** Following the major [NSW Caravan Supershow](https://www.supershow.com.au/ "Explore the Excitement at the NSW Caravan Super show"), the caravan show schedule shifts south for a number of big caravan and outdoor expos in Victoria. But potential buyers will need to be well-prepared if they are considering placing an order for a new caravan at an upcoming show. Demand for caravans has been soaring over the past year as many holidaymakers look to caravanning as an attractive alternative to travelling interstate or overseas. With issues around the vaccine rollout potentially extending the international travel ban, the high level of demand could be sustained for some time. This increase in demand has resulted in delivery delays for some manufacturers so buyers will be wanting to get their orders confirmed ASAP to secure the model they want. Demand may also have been driven by the current low interest rates on caravan finance. While [Jade Caravan Finance](/ "Discover Financing Options with Jade Caravan Loans") is committed to achieving cheaper rates on a 24/7/365 basis, overall lending rates are at historic lows. The RBA kept the official interest rate on hold at 0.1% at its April board meeting and indicated it may not increase rates until 2024. [Low interest rate caravan loans](/interest-rates "Explore Affordable Caravan Financing Rates Here") are sure to further motivate buyers to join the caravan set. We share our tips and hints on what you can do to be ready to place that order at the Victorian caravan shows and preview what is being displayed. ## Victorian Caravan Shows The upcoming shows in Victoria include:- - 30 April to 2 May: Albury-Wodonga Caravan Camping 4WD Fish and Boat Show - 30 April to 2 May: Ballarat, Great Outdoor and 4×4 Expo - 13 May to 16 May: [Sandown, Victorian Caravan, Camping and Touring Supershow](https://caravanshow.com.au/ "Discover the Sandown Caravan and Camping Supershow") - 21 May to 23 May: Geelong Outdoor Living Show The Supershow is one of the major drawcards on the caravan industry calendar for Victorian enthusiasts. Due to COVID issues the entertainment offering at the 2021 event has been simplified but the exhibitor listing is impressive as always. While subject to change, the list of manufacturers is extensive and includes [Blue Sky Caravans](https://www.blueskycaravans.com.au/ "Explore Blue Sky Caravans Here"), Crusader Caravans, Frontline Campervans, Winnebago Motorhomes, Trakka, Masterpiece Caravans, Emu Camper Trailers, Avida, Atlantic and many others. Over 60 leading businesses are currently listed as displaying models at the show. In addition to the manufacturers, exhibitors also include an impressive line-up of accessories suppliers. Offering a great opportunity for existing caravan owners to check out the latest and greatest to upgrade their van. ## Preparing for the Show Due to coronavirus regulations, all events of this nature need to be run according to COVID-safe conditions. This means the process is slightly different from previous years and each show may have its own specific requirements. [More info](https://www.safeworkaustralia.gov.au/covid-19-information-workplaces "COVID-19 Workplace Information on SafeWork Australia"). - Booking tickets online pre-show is a general requirement for all shows this year. Capacity may also be limited due to COVID restrictions so securing your tickets ahead of time would be highly advisable. - Make a plan as to what you are going to see. Many shows, including the Supershow, offer an exhibitor map. Check out the exhibitor map and plan your way around the show so as not to miss all the companies you intend to visit. - If you are particularly interested in one or several makes and models, pre-arranged inspections may be possible. Contact exhibitors prior to seeing if you can make a specific appointment time to avoid waiting in line or missing out. - Stay in touch with the show website in case of any last-minute changes to the programme or arrangements due to COVID impacts. Especially check if masks are required or any contact tracing apps need to be downloaded onto your phone prior to attending. ## Pre-arrange Your Finance Expos are renowned for offering great show specials and buyers need to be ready to purchase to take advantage of these offers. With caravans in high demand, being able to place your order for the make and model you want at the show may expedite the taking delivery of your van. In order to be fully prepared, we highly recommend show attendees take advantage of our Jade Pre-approved Caravan Finance service. This allows you to have your caravan loan quoted, secured with your application approved, prior to actually place an order. The process is the same as a post-purchase loan, but your Jade consultant arranges the finance based on an estimate of what you intend to pay. Our same cheap interest rates apply to pre-approved loan, no deposit finance is available and all the same terms and conditions of our [Secured Caravan Loan](/secured-caravan-finance "Explore Secure Caravan Financing Options Here") apply. There is no obligation with this finance service so if you don’t have the ideal opportunity to order at the show, there is no issue. The pre-approved finance simply expires. Even if you don’t want to go as far as pre-arranging your finance, we do recommend you have our [Caravan Finance Repayment Calculator](/loan-calculator "Calculate Your Caravan Finance Repayments Easily") locked and loaded and ready to use on your smart phone. This will allow you to quickly and easily calculate loan repayment estimates as you browse the show displays. If you see something you really like, including our low estimate, just click the REQUEST A QUOTE button and we’ll get things started. It’s great to have a vibrant caravan show calendar back and running in 2021 and our team is ready to assist buyers make the most of the purchase opportunities on offer. **Call 1300 000 003 to discuss pre-show lending with our consultants** *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.* **Categories:** Caravan Buying Articles --- ### [Victoria Supershow: Exhibitor Preview](https://www.jadecaravanfinance.com.au/blog/caravan-articles/victoria-supershow-exhibitor-preview) **Published:** April 15, 2021 **Author:** Publisher **Content:** The caravan expo events make a very welcome return to Victoria in May, following the cancellation of many major events due to coronavirus in 2020. Scheduled events include the big [Supershow at Sandown Racecourse](https://www.caravanshow.com.au/ "Learn more about the Sandown Racecourse Supershow here") as well as smaller shows at Wodonga, Ballarat and Geelong. These events are major drawcards, attracting existing caravan owners and those keen to get into the great outdoor travel and holiday lifestyle. Providing ideal opportunities to see multiple makes and models in one place to more easily compare and decide which one best meets individual preferences. With shows featuring impressive exhibitor lists, serious buyers are well-advised to do their pre-show homework so they are across what they can see and most importantly, what they can buy. As we’ve showcased many of Australia’s leading caravan, motorhome and camper trailer manufacturers in our articles, in this preview we’re focussing on a number of Supershow exhibitors that we haven’t as yet covered. ## Franklin Caravans Franklin Caravans has been building caravans in Australia since the 1950s and is an accredited RVMAP manufacturer with the [Caravan Industry Association of Australia](https://www.caravanindustry.com.au/ "Explore the Caravan Industry Association of Australia's website for more information"). The company has their own in-house team of designers, custom-make the interior furniture in the vehicles and utilises CNC machinery that ensures impeccable finish and fit. The range includes the [2021 ](https://franklincaravans.com.au/caravan-range/g4/ "Visit the website to learn more about the 2021 G4 Caravan model.")[G](https://franklincaravans.com.au/caravan-range/g4/ "Visit the website to learn more about the 2021 G4 Caravan model")[4](https://franklincaravans.com.au/caravan-range/g4/ "Visit the website to learn more about the 2021 G4 Caravan model.") model which is a limited edition 21’ model and one of the company’s most sought after offerings. The X-Factor 2.0 is the top of the range with luxury and durability the key factors on this impressive caravan. The Club model is practical and offers different variants to suit different lifestyles. The Razor perfectly balances luxury with travel practicality while the Core range has features suited to a wide range of buyers – families, couples and solo travellers. Bookmark Franklin as an exhibitor to see at the Supershow ## Eagle Trailers, Campers and Caravans Offering a wide range of both off road and semi-off road vehicles, Eagle offers hybrids, campers and traditional caravans. The company is located in Adelaide and their range seems to cover most of the options that buyers are seeking. The camper range includes soft floor models, hard floor options and the increasingly popular hybrid style. The caravan collection is stylish, practical and rugged with high quality off road suspension. Eagle focuses on value for money, an approach shared by [Jade Caravan Finance](/ "Explore Financing options with Jade Caravan Finance today!") with our cheap interest rate caravan loans. Before heading to the show, speak with us about a quote on an Eagle camper or caravan so you’re prepared to place your order. ## A’Van Caravans and Campers A’Van makes claim to revolutionising the RV and caravan industry so it could be well worth checking out this Victorian-based manufacturer at the show. Their range includes campers, pop tops, hardtops and motorhomes. The campers have a very distinctive design that clearly defines the A’Van brand. The campers feature smooth panel construction, tinted windows and much-appreciated interior insulation plus plenty of inclusions to ensure comfort during your travels. [Read more here](https://www.avan.com.au/ "Visit the Avan website for more information"). The motorhome range boasts a model that apparently features more quality elements than any other models in this class. These impressive statements and definitely worth you’re further investigating if a motorhome is on your buying list. ## Generating Caravan Loan Repayments One issue which can prevent keen buyers from committing to a caravan purchase at a show is not knowing how much a caravan loan may cost them in terms of repayments. Without this information, many don’t have the confidence to move forward and place that order. With caravan demand high and some makes in short supply, any delay in placing an order at the moment can potentially mean a longer delay in receiving your caravan. Jade Caravan Finance provides resources to assist buyers to calculate their own repayment estimates either before heading to an outdoor expo or even while attending the show. Our [caravan loan repayment calculator](/loan-calculator "Calculate Your Caravan Loan Repayments Here") gives buyers the freedom and flexibility to generate repayment estimates on any make and model they are viewing from any device with internet access. As most shows have wi-fi that shouldn’t be a problem. Our [Caravan Loan Interest Rate Comparison](/interest-rates "Click here to Compare Caravan Loan Interest Rates now") table allows you to quickly see the rates on offer from Jade against other lenders in the leisure market. You just input the amount of your caravan and the loan term you would like, and you’ll instantly see the repayment estimates displayed. For a confirmed quote just click the request a quote and one of our consultants will get back to you ASAP. The Supershow is looking like a great must-attend event for caravan enthusiasts and those that do their prep can be first in line to place orders. Enjoy the show and know our team of professional lenders is on standby to assist you with a cheap caravan loan. **To discuss your lending options pre-show or while at the supershow, contact us at 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.* **Categories:** Caravan Buying Articles --- ### [Time to plan: Queensland Caravan Shows](https://www.jadecaravanfinance.com.au/blog/caravan-articles/time-to-plan-queensland-caravan-shows) **Published:** April 19, 2021 **Author:** Publisher **Content:** The [NSW Caravan Supershow](https://www.supershow.com.au/ "Discover the Excitement at the NSW Caravan Supershow") was deemed a great success with huge crowds attending. A great sign that the interest in the caravan lifestyle appears to maintain the momentum picked up as a result of COVID-19 travel restrictions. The show in NSW is closely followed by the major [Victorian supershow over 13-16 May](https://caravanshow.com.au/Home "Join Us at the Victorian Supershow from May 13th to 16th") and then it’s time to focus on Queensland. We’re alerting our Queensland caravan buyers to what shows are upcoming in their region and providing our pre-show tips, hints and advice refinance so you can capture deals on offer. ## Dates for the Diary Prior to the main act, there are a number of regional Queensland caravan shows. - [Townsville Expo](https://townsvilleexpo.com.au/ "Discover the Townsville Expo Event"), 14-16 May in South Townsville - [Mackay Home Show and Caravan](https://mackayexpo.com.au/ "Explore the Mackay Home Show and Caravan Expo"), Camping and Boating Expo, 21-23 May at Mackay Showgrounds. Then comes the major attraction for Queensland caravan enthusiasts:- - Queensland Caravan, Camping and Touring Supershow, 2-7 June, Brisbane Showgrounds. This is an official caravan industry event with over 200 exhibitors expected to display. To check out who is exhibiting, to plan your visit including buying tickets, head to [https://www.caravanqld.com.au/](https://www.caravanqld.com.au/ "Visit the Caravan Queensland Show Website") ## Pre-Show Tips and Hints Viewing caravans at shows is a very tempting experience. The latest models are always amazing with luxury and comfort which exceeds expectations. And often with a price tag that exceeds our budget. So how can you temper that excitement and urge to splash out and commit to a purchase and balance it with the actual reality of your budget? Both while not missing out on ordering what are caravans in seemingly short supply? As experienced leaders in the recreational vehicle sector, we’ve encountered these scenarios from many customers over the years and have developed our pre-caravan show assistance kit (for want of a better name) with tips and hints for caravan show visitors. ### Here are a few to consider: - Know what you want: if it’s your first or final caravan buy, do your research well ahead to narrow down your selections to exactly what type of van type will suit your travel plans. Consider the comforts you really want, space you really would expect and if you do or don’t really need off-road capabilities. There is likely to be a lot on display and having a clear idea of what you want may help you stay on track. - Review the show exhibitor list beforehand and make a list of which makes and models meet your caravan wish list. These shows can have 200+ exhibitors and if you’re a serious buyer, getting around to all within a few days for a detailed inspection can be a challenge and result in confusion. Earmarking the ‘must-sees’ gives you a plan to work to. - Purchase tickets online and in advance. All major events in Australia are running to COVID-safe guidelines with pre-booking required and in some cases limited capacity. - Load our [caravan interest rate comparisons](/interest-rates "Explore Caravan Loan Interest Rate Comparisons") chart onto your phone for quick access during the show. Bookmark our webpage in your web browser. If presented with a finance offer from a manufacturer or dealer, you’ll be ready to quickly compare the offer to the interest rates both Jade and other major lenders can achieve. - Arrange a pre-approved caravan loan prior to attending the show. It is widely known that caravans have been in hot demand over the past year and the supply of some makes and models is limited. By having your finance confirmed you can confidently proceed to place your order at the show and hopefully speed up the process. It also allows you to take advantage of show specials. In case you were wondering, where the show is located and where you reside do not matter when sourcing finance through Jade. As Jade Caravan Finance operates on an Australia-wide basis we secure loans for customers in all states for vehicles based either in their state or elsewhere. So if you’re travelling from interstate for the Queensland shows, your pre-approved finance deal is totally valid for a Queensland purchase. To get a better idea of your repayments, use our [online caravan loan calculator](/loan-calculator "Access an Online Caravan Financing Calculator"). ## Will interest rates on Jade caravan loans change before the show? Good question as many show visitors will be planning well into the months ahead with plans to travel to key show locations. This may be well into the second half of the year. While we don’t have a crystal ball, all indications are that the RBA will be holding the official cash rate at the current historic low level. This is the rate that forms the basis for lenders to calculate their own rates on different loans. In recent statements, the RBA has clearly stated it is waiting for inflation to reach a target of 2-3% and unemployment to be further reduced before it considers a rate rise. [More information here](https://www.afr.com/policy/economy/why-the-rba-plans-to-keep-rates-low-for-years-20210306-p578e8 "Explore this informative article for insights"). On that basis, current caravan finance rates should remain low through at least through 2021 and Jade always strives for the cheapest rates available. Pre-approved loans have a timeframe that your [Jade Caravan Finance](/ "Visit Jade Caravan Finance for more details") consultant will advise when securing your loan. Once that time has expired, the loan would need to be reviewed and re-issued. Time to load up the caravan and head to Queensland for a great round of shows in May-June. **Call 1300 000 003 to discuss pre-show lending with a consultant** *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.* **Categories:** Caravan Buying Articles --- ### [Securing Something New, Niche and Unique in Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/securing-something-new-niche-and-unique-in-caravans) **Published:** April 22, 2021 **Author:** Publisher **Content:** The caravan market is extensive and includes a good range of different types and styles of vehicles to suit the different preferred styles of holidays and travel. Despite the variations, the traditional caravan retains its popularity with buyers. While caravan manufacturers are continually working on upgrades to their collections with increasingly more comfort, luxury and convenience features, we have spied two new releases which take ‘something new’ to another level. With the innovative developments in caravans through the hard work of many manufacturers continuing to impress the market, it could be thought it would be a challenge to come up with something that could be considered unique. But the new models from [Trakka](https://trakka.com.au/ "Discover More About Trakka Campervans and Motorhomes") and [Geotrek](https://www.geotrek.com.au/ "Explore Geotrek's Innovative Travel Solutions") are certainly attracting attention and maybe that something different that you are seeking in your recreational vehicle. ## ‘Glampervans’ Hit the Market We’ve all heard of glamping and many of today’s caravans are way up there in the luxury stakes, but Trakka has released their take on glamping it up with motorhomes which have been described as glampervans. The models in focus are based on the latest VW and Fiat-based vans – the Trakka Torino T2, which is based on the Fiat Ducato and Trakkadu with the [VW Transporter base](https://www.volkswagen.com.au/en/models/transporter-van.html "Discover the VW Transporter Base Model"). The new-look Trakkadu features new seating materials, a handy bed overlay that folds away and integrated window screens. There are 3 variants across the range and all have that signature Trakka luxury. The other new Trakka release is the Torino ([Fiat Ducato](https://www.fiat.com.au/ducato.html "Explore the Versatile Fiat Ducato Range")) with new features including front cab air-con, integrated lighting and other typical Trakka luxury inclusions. These new models were apparently a hit at the recent Sydney Supershow, so if you’re visiting any other shows this year, make Trakka a must-visit display. ## Car loan or caravan finance? A not uncommon question from buyers of motorhomes like Trakka is should they be seeking a motor vehicle loan or caravan finance? Is it a van or a caravan? From our perspective, motorhomes are included in our caravan finance category. Motorhome buyers should be considering our [Secured Caravan Loan](/secured-caravan-finance "Discover Secure Financing Options for Your Caravan") as our most popularly used loan by motorhome purchasers. This loan follows the accepted format for a secured loan with the motorhome used as security against the loan and the borrower repaying the loan as per the finance contract. If considering purchasing a new Trakka motorhome, you can utilise our [online caravan finance calculator](/loan-calculator "Use Our Digital Caravan Financing Calculator") to calculate repayment estimates. The interest rate on motorhome loans is the same as for traditional caravans, camper trailers and other RV styles and types. Use our [caravan finance interest rate comparison](/interest-rates "Compare Caravan Finance Interest Rates Here") table to find the best deals. ## En-suite camper designed to tick all the boxes If you’ve always shied away from a camper trailer, what would have been your major put-offs? For many, it would have to be a lack of bathroom facilities and the time it takes to set up a camper trailer. They were some of the considerations in the mind of the founder of Geotrek in coming up with the unique design of their latest release. Described as the smallest en-suite camper on the Australian market, the Geotrek Tvan-size model has unique features and that all-important quick set-up. According to the designer and developer, the set-up is as easy and quick as opening the roof hatch. The system eliminates the need to set stabilisers and other fiddly steps. It can be ready to sleep 4 in around 20 seconds. Accommodation is provided with a queen and two single beds which alternatively can be just one gloriously large king-sized bed. So if you’re covering long distances each day, you can get yourself and your family or travel buddies into a restful place easily. This is a patented set-up system, so it is special! The other big attraction of the Geotrek range is the en-suite set-up. With a canvas wall and privacy drop-down, the entry deck becomes a bathroom. This wet area has drainage holes, a shower hose and a compartment for a portable toilet. There are set-up options for both a quick stay or to attach the awnings when you’ll be in that location for a longer period. Plenty of other boxes are ticked by Geotrek with these off-road designs including features such as 2 solar panels, 158-litre water tanks, external cooking facilities and lighter weight for easier towing. Currently, one model is available for purchase from the Melbourne-based manufacturer with others ‘coming soon’. Check out what info is currently available at [www.geotrek.com.au](https://www.geotrek.com.au "Visit Geotrek for More Information") To be one of the first buyers of this unique Geotrek camper, speak with [Jade Caravan Finance](/ "Explore Financing Options with Jade Caravan Finance") about pre-approved finance for your purchase. We can arrange your loan based on the price estimate so you can proceed to place your order. When the price and invoice are finalised, we amend/finalise the loan to the exact figure. Pre-approved loans are available at our advertised cheap interest rates and include the same features and benefits as loans that are organised after an order is placed. **To secure something different with the cheapest loan, contact us at 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.* **Categories:** Caravan Buying Articles --- ### [Alerts Issued for Used Caravan Buyers](https://www.jadecaravanfinance.com.au/blog/caravan-articles/alerts-issued-for-used-caravan-buyers) **Published:** April 26, 2021 **Author:** Publisher **Content:** The [ACCC](https://www.accc.gov.au/ "Visit the Australian Competition and Consumer Commission (ACCC)") (Australian Competition and Consumer Commission) has recently issued alerts for a number of scams and frauds which have been identified in the used car and used caravan sectors. Alerts that buyers need to be aware of and take steps to avoid losing their money. Buying a brand new caravan is the aspiration of most buyers, pricing may have you looking at the used caravan market as a more affordable option. Online platforms are the go-to channels for used caravan sales but unfortunately, also the go-to channel for scam artists and fraudsters. In this article, we’re providing details of the ACCC alert, popular scams to watch for and ways that [Jade Caravan Finance](/ "Explore Financing Solutions with Jade Caravan Loans") can assist buyers of both new and used caravans. ## Fake Ads: ACCC Alert The ACCC issued a media release on 27 April which notes that RV buyers are increasingly falling victim to [fake ad scams](https://www.theguardian.com/money/2020/may/04/fraudsters-use-covid-lockdown-to-scam-motorhome-buyers "Protect Yourself: Rising RV Buyer Scams Amid Caravan Market Demands") due to the high demand and low supply in the caravan market. Fake ads are the key topic of the release but the ACCC has added an additional warning around fake emails attached to these ads. They warn potential buyers to watch out for seller email addresses that are impersonating defence force personnel. They provide examples of these fake emails including @airforce-raaf.org @royal-australian-defence-gov.au and defence@royal-australian-air-force-gov.au.com But also warn that even a genuinely correct email is not a guarantee that the ad itself is genuine. The ACCC warns buyers that a low price can often be a red flag alert to a scam caravan for sale ad. Often ads will post prices that are significantly below the market value. The scammers also seek payment from the buyer in order to secure the caravan, but the vehicle is never delivered and in many cases doesn’t exist. To explain the low price, the seller may create urgency around the sale and give reasons as to why the buyer cannot view the vehicle for an inspection prior to purchase. The Commission warns the old but true adage that it appears too good to be true, it sure is a warning to buyers. If the seller refuses to meet prior to payment being made, it should raise buyer suspicion. Buyers should watch out for the payment method requested as there is a growing tendency to requesting methods including eBay, international money transfers and direct bank. The ACCC advises buyers of used caravans to always make an attempt to inspect the caravan; avoid payment by suspect methods; and trust their own instincts. Another risk of getting involved with fake ads and selling scams is losing personal information. The ACCC advises people not to provide personal information such as driver’s licence, address, contact details etc to persons they have met only online. If you are in the market for a used caravan and intend to purchase via an online system, follow safe online purchasing guidelines and stay across alerts from the [ACCC](https://www.accc.gov.au/media/media-releases "Visit the Australian Competition and Consumer Commission (ACCC) Website") and [Scam Watch](https://www.scamwatch.gov.au/ "Visit the Australian Competition and Consumer Commission (ACCC) Website"). ## PPSR Checks [PPSR](https://www.ppsr.gov.au/ "Learn More About the Personal Property Securities Register (PPSR)") is the Personal Property Security Register and this is a national resource where lenders register their interest in a wide range of goods they have issued loans for. Caravans purchased with a [Secured Caravan Loan](/secured-caravan-finance "Explore Secure Financing Options for Your Caravan Purchase") involve the caravan being used as security against the loan. The lender will register their interest in your caravan on the PPSR. When the loan is completely paid out, the lender removes their interest in the property. For buyers of used caravans, checking the PPSR reveals if the caravan is under finance and can also reveal the genuine owner. Rego checks through the relevant state authority may also be possible to check ownership. These checks can be compared to the person selling the vehicle. Always ask for an ID from a seller and take what steps are available to you to validate the ID. ## Broker Benefits Highlighted If you’re paying cash for your caravan or arranging any loan yourself, it may fall to you to be responsible for many of the issues around these scams. If you are looking for a loan to purchase either a new or second-hand caravan, using Jade Caravan Finance as your broker offers many benefits. When handling your caravan loan, your Jade consultant will as part of our service, check the ID of the seller, check the PPSR and handle the settlement. The settlement involves our lender making the payment to the seller. That process would typically include certain bank account verification stages. These are just some of the assurances that we can provide to buyers to assist them in avoiding falling prey to scammers. ## Buying New with Cheaper Finance If you are suspicious about a used caravan advert or concerned about the integrity of the process, why not consider buying a new caravan with our cheap finance deals. At our cheaper interest rates than brand new caravan may be far more affordable than you think and be a realistic alternative to buying a used caravan. Compare our [caravan loan interest rates](/interest-rates "Check Out Competitive Interest Rates for Caravan Financing") here. Use our [mobile home loan calculator](/loan-calculator "Access the Mobile Home Financing Calculator Tool") to work out repayment estimates to assist with your buying decisions or just give us a call for a quote. **Call 1300 000 003 to discuss lending with a consultant** *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.* **Categories:** Caravan Buying Articles --- ### [Tips for a Caravan Winter Wonderland Season](https://www.jadecaravanfinance.com.au/blog/caravan-articles/tips-for-a-caravan-winter-wonderland-season) **Published:** May 3, 2021 **Author:** Publisher **Content:** While many touring types and holidaymakers head indoors for the winter, caravan owners know only too well that they have plenty of options to enjoy travel year-round. Winter is the season when many of the grey nomads head to the sunshine state while others, down south, make the most of quieter roads and less crowded holiday parks and signature locations. With your caravan properly prepared and kitted up in your warm gear, winter is an exceptional season for exploring Australia. If you’ve been putting off your caravan purchase for whatever reason, we provide you with plenty of great reasons to bring that decision forward from the back burner to the hot plate and enjoy the caravan lifestyle this winter. ## Caravan Production Levels UP 2020 was an amazing year for caravan sales as buyers opted for this style of holidaying with many other options sidelined due to coronavirus restrictions. The uptick in sales caught many off-guard, as did the whole global pandemic. So it was not unsurprising that caravan manufacturers would run low on stock with reports of long waits in delivery times. But reports are that the situation is improving with the manufacturing sector on track for a record year. The CEO of the [Caravan Industry Association of Australia](https://www.caravanindustry.com.au/ "Visit the Official Website of the Caravan Industry Association of Australia"), Stuart Lamont, said that despite the shutdowns in production in 2020 due to COVID-19, the data for February 2021 indicates that the industry has recorded its strongest start to the year ever. Mr Lamont said this was the highest level of production in the local sector for over 30 years. While the unprecedented demand is unlikely to result in the usual EOFY sales across the sector, the increased production output should definitely make it easier and faster to secure a caravan. With production levels peaking, the stock should be more easily obtainable so time to catch up on what manufacturers have to offer via their websites or visit one of the caravan shows which are also back on schedule for 2021. To put yourself at the head of the ordering queue, speak with us about a [cheap interest rate caravan loan](/interest-rates "Explore Affordable Financing Options for Caravans"). ## Wander the Land in a Wonderland What better vehicle to wander this great land than in a Wonderland RV. This Victorian-based manufacturer boasts innovation in every build with jigsaw wall construction, bolted and screwed frames for extra strength and they offer over 40 models to choose from. Wonderland RV offers five collections: XTR, Amaroo, Hornet, Adventus and Triumph which cover traditional, semi off-road and off-road capabilities. Check out their videos and the whole collection at [www.wonderlandrv.com.au](https://www.wonderlandrv.com.au "Visit the Wonderland RV Official Website") ## Holiday Park Winter Deals Who doesn’t love a deal! Big 4 Holiday Parks are offering winter getaway deals at their locations around Australia with their ‘How will you Winter’ campaign. They even include a comprehensive range of locations for inspiration in setting your route. How about whale-watching this winter. There are locations right along the east coast which offer great vantage positions. For something different in festival experiences, try the Goldfields in Ballarat for the [Winter Wonderlights Festival at Sovereign Hill](https://sovereignhill.com.au/winter-wonderlights "Discover the Winter Wonderlights Festival at Sovereign Hill") or head to Adelaide for the pop-up winter village where you can dine in your own igloo. While in SA, head to the Eyre Peninsular for the giant cuttlefish annual breeding event from May through July. Head across the strait on the Spirit of Tasmania and follow the Whisky Trails in Tasmania. No drinking and driving of course! If you want to escape the cold, head to Queensland and soak up the winter warmth in any number of great locations. And of course, if you want to revel in all that winter offers including snow, head to the Victorian and NSW high country. You don’t have to be a skier or snowboarder to enjoy the atmosphere and attractions and take in Christmas in July celebrations. ## Cool Caravan Finance Interest Rates A hot caravan sales market has not had the same effect on the caravan loan market with interest rates on lending still at very cool levels. The RBA has left the official cash rate on hold at historically low levels since November 2020 and that has flowed through to our very low rates on caravan finance. Our cool interest rates are available across our entire selection of caravan finance products including the very popular [Secured Caravan Loan](/secured-caravan-finance "Unlock Reliable Financing Solutions for Your Caravan Purchase") for private buyers and the Caravan Chattel Mortgage for business buyers. Another of our cool offerings which is available year-round is our finance calculator. A handy and easy to use resource, the [caravan loan repayment estimator](/loan-calculator "Access the Caravan Financing Payment Estimation Tool") which allows you to calculate your own caravan loans yourself. ## Prepare Your Caravan Whether buying a brand new caravan for this winter’s travels or heading off in your existing RV, [preparing the vehicle for the colder weather conditions](https://www.camplify.com.au/blog/safe-winter-caravanning "Get Your Vehicle Ready for Chilly Weather Conditions") is extremely important. Refer to caravan industry websites and forums for tips on getting your vehicle ready to take on the colder climes. [Click here to read more](https://www.caravancampingsales.com.au/editorial/details/the-joys-of-winter-travel-51777/ "Explore the Pleasures of Traveling in Winter"). Tips: always drive to the conditions, consider downloading the BOM weather app for up to date forecasts on the conditions ahead and the local live traffic app for the state you’re travelling in to stay across changing conditions on the road ahead. **Contact 1300 000 003 to get into your own caravan in time for a winter escape.** *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.* **Categories:** Caravan Buying Articles --- ### [Timing that purchase with low interest caravan finance](https://www.jadecaravanfinance.com.au/blog/caravan-articles/timing-that-purchase-with-low-interest-caravan-finance) **Published:** June 22, 2021 **Author:** Publisher **Content:** Over the past nearly 18 months or so, demand for all types of caravans and RVs has boomed due to the coronavirus pandemic. Instead of spending overseas and in some cases interstate travel, many Australians have decided to purchase an RV and discover their own backyard. Aiding these plans has been the low lending interest rate climate which has prevailed over the same timeframe. In some ways also due to the pandemic as the [RBA implements monetary policy](https://www.jadecaravanfinance.com.au/blog/loan-tips/are-interest-rates-on-caravan-loans-set-to-rise/ "Learn How the Reserve Bank of Australia Enacts Monetary Policy") to stimulate the economy. Demand for RVs has definitely been phenomenal. But if you are still to take the plunge or if you’re considering making an upgrade by trading in your existing van on a new model, is the timing still ideal to buy? We consider a few aspects to assist your buying decision process. ## Demand and Supply of Caravans The surge in demand for RVs has caused supply issues with many manufacturers. Many buyers have had to be on waitlists for their caravans as manufacturers deal with over-demand, lock-downs causing delays in their production and in many cases global issues in receiving parts from overseas suppliers. However, the industry appears to be responding and several manufacturers have been advertising prompt delivery. While some models on display at recent shows were for display only, there were others showing ‘available now’ signage. Several manufacturers have made plans to move to bigger premises to expand their production capacity to meet the surging demand. Reports are that both [Crusader](https://crusadercaravans.com.au/ "Visit the Official Crusader Caravans Website") and [Network RV](https://networkrv.com.au/ "Explore the World of Network RV Here") are just two that have committed to larger factory space moving forward. According to reports, the industry association sees demand continuing. Recent outbreaks of coronavirus in NSW and Victoria have caused further travel issues for many holidaymakers especially as state borders were slammed shut. So it’s likely the demand for the caravan lifestyle will remain popular as many opt for the safe bet for a more flexible way to holiday and travel. The bumper crowds at the recent Supershows appear to be a good sign that demand for RVs is still strong. A sign to get your order placed ASAP? Prices from some manufacturers have reportedly increased, due to a range of factors. So locking in order ASAP could be a smart move. Smart to secure your van ahead of any further delays and hopefully price rises. Speak with us about a pre-approved caravan loan so you can confidently place your order. If looking at the used caravan market, be mindful of recent ACCC alerts of scams and fraud schemes that have been identified in this area. There has also been a trend towards buying old caravans for restoration. If going down this path and requiring finance, check with us on loan options as the age and condition of the caravan are taken into account by lenders. But we do have options! While buyers may have to contend with a wait in delivery times, they will have plenty of choice with manufacturers continuing to release new models and several new brands entering the market. ## Caravan Finance Update The great news for our caravan buyers over the past year has been the continuing low interest rate scenario. While [Jade Caravan Finance](/ "Discover Financing Solutions with Jade Caravan Loans") guarantees cheaper caravan loan interest rates at all times, with the official cash rate at historic lows we have been able to sharpen our own pencil even more. While the RBA Governor, Philip Lowe, insists that the Bank is looking to 2023/24 for conditions to be right for a rate increase, conversations in some circles still persist that rates will need to be increased before then. Most of this talk is based on the housing market. In the past week, Mr Lowe has stated that while the RBA does not target the housing price market it did keep a watchful eye on the level of household borrowings. He also reportedly said that the regulators had commenced discussions around possible responses to this increase in household debt. The labour market indicators continue to be strong but the inflation rate which the RBA has previously indicated as key to any rate rise is currently not in the bank’s target range. Putting all that scenario into relevance for caravan finance….while interest rates are currently very low on our caravan loans, any increase in the official cash rate were it to come sooner than anticipated, could trigger an increase in lending rates in sectors other than housing. The better news is that, unlike some home mortgages, our caravan loans include fixed interest rates. Fixed interest rates on our [Secured Caravan Finance](/secured-caravan-finance "Explore Secure Financing Options for Your Caravan") are fixed for the entire loan term. So if you lock in a caravan loan now, you will enjoy that same low rate over the entire, up to 7 years, loan term. ## Caravan Loan Options Regardless of movements in caravan demand and supply or in interest rates, the types of loans we offer for caravan purchases remain constant. The Secured Caravan Loan is the most popular, especially for brand new caravans, camper trailers, RVs, motorhomes and all other variations. If buying second-hand or a resto project and the van is not suitable as security against the loan, we offer an [Unsecured Personal Caravan Loan](/unsecured-personal-loans "Discover Flexible Funding Solutions with Unsecured Personal Caravan Loans"). With interest in caravans expected to stay high for some time, if you’re considering a purchase, it could be time to move forward and place that order so you too can enjoy the freedom and flexibility offered by the RV lifestyle. **Call 1300 000 003 to discuss lending with our consultants** *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.* **Categories:** Caravan Buying Articles --- ### [Going Small – smaller sized and caravan loan options](https://www.jadecaravanfinance.com.au/blog/caravan-articles/going-small-smaller-sized-and-caravan-loan-options) **Published:** June 24, 2021 **Author:** Publisher **Content:** Caravan and RV models seem to get bigger and bolder with each new release as manufacturers optimise their design and production skill and talent to produce exciting new offerings to appease the discerning market. But while many caravan buyers are looking for larger models with all the extras and accessories to enhance their travel experience, others are equally keen to find something smaller. Either smaller in size or smaller in price. Our research has revealed two new market entries worth considering that may fit the bill. ## The Adria Collection: 472PK The [Adria 472 PK](https://www.apollocamper.com/Vehicles/Caravans/Adria-472-PK "Discover More About the Adria 472 PK Model") is a smaller packaged traditional van that presents as a great little package. For those new to caravanning, the lightweight features will be of special interest as they make this an easy-to-tow option. But the smaller package does not mean Adria has downgraded style and inclusions. This model features an innovative design and stylish features that should impress many buyers. The 472 is a 5 berth model with a forwarding place bed, plus two bunks and the dinette converts to become the 5th bed. It’s complete with a shower en-suite, a well-equipped kitchen with a fridge and freezer combination unit and 3 burner cooktop. While considered smaller than many on the market, this model is sturdy with hot-dipped chassis, independent suspension and many safety features including anti-sway coupling. [Adria Mobil](https://au.adria-mobil.com/ "Explore Adria Mobil's Official Website") started in Europe in the 1960s and has won awards for innovation in Europe and is a highly recognisable brand in the region. The Australian arm is based in Queensland and offers a collection of motorhomes, campers and caravans in the local market. ## Great Value Windsor Campervan If you’re looking for value, aka lower price, in a campervan, then check out the new Mercedes-based Windsor Brighton model from Apollo. Based on the highly popular Mercedes-Benz Sprinter, this new model to enter the market shortly has been priced at what is described as budget entry-level. With the surge in RV demand from many first-timers, this could present an appealing option for those wanting to taste the lifestyle before making a major commitment. The reports are this model is arriving soon so buyers would want to get in, check it out and get that order placed so as not to miss out. Described as a great getaway machine for weekends, the Brighton is priced significantly less than other campervans in the Windsor range. If you want to talk prices and loans first, then head to our [Caravan Loan Repayment Calculator](/loan-calculator "Access the Caravan Financing Payment Estimation Tool") and start working up repayment estimates on the advertised pricetags. While the budget pricing will get you on the road in a Mercedes-Benz, it won’t get you all the inclusions on higher priced models. Inclusions such as an internal en-suite for starters. But it is apparently well-equipped for its price range with a kitchenette, sink, 109 L fridge, dining table which converts to a bed and plenty of other features to keep you comfortable for your getaways. The Sprinter is a 2.1 litre, 4 cylinders, turbo diesel and the unit is 5.93 metres long, so it presents as an easier to manage option than a larger towing caravan. Campervans definitely have the ease of driving in their favour. No need for a separate vehicle for towing and very little additional driving skill required compared with the skill required to tow a traditional caravan. The Windsor brand has been on the Australian market for a long time and since 2019 comes under the Apollo umbrella. While operating in many countries, the company’s local state of the art facility is located in Brisbane. Dealers are located across the country. With the Windsor Brighton apparently available shortly, it could be worth keeping across developments at [https://www.windsorrvs.com.au/](https://www.windsorrvs.com.au/ "Visit the Official Windsor Caravans Website") ## Smaller Caravan Loan Options While talking about small caravanning options, even those that select a larger model are after one small aspect of their purchase – a small interest rate loan. Caravan loans with cheaper interest rates appeal to all buyers and our offerings won’t disappoint. To see exactly how cheap our rates are compared with other lenders, just head to our caravan finance interest rate comparison table. While some cheaper caravan models may mean forgoing certain features and inclusions, our cheap caravan loans are definitely fully optioned with all the loan features required to make an affordable buy and with extra benefits. ### Our very popular and versatile Secured Caravan Loan is suited to all types of RVs and includes: - Our cheap interest rate, sourced from across our vast lender panel - Interest rate fixed for the complete loan term – no need to switch - Fixed loan terms of up to 7 years - Fixed repayments which are then locked in at that level for the full loan term Our consultants handle the entire quote sourcing process, negotiating terms and conditions with lenders to secure the cheapest option that suits our customers and assist with the paperwork. Just part of the big benefits included in our smaller interest rate loans. So whether you’re going big or small in terms of van selection, speak with us for a quote on our smaller, [cheap interest rate caravan loans](/interest-rates "Explore Affordable Caravan Financing Interest Rates"). **Contact 1300 000 003 for a smaller interest rate caravan loans** *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.* **Categories:** Caravan Buying Articles --- ### [Jayco Brightens the Campervan Landscape](https://www.jadecaravanfinance.com.au/blog/caravan-articles/jayco-brightens-the-campervan-landscape) **Published:** July 8, 2021 **Author:** Publisher **Content:** Amidst the doom and gloom of living in a coronavirus pandemic environment, one of Australia’s leading caravan manufacturers is brightening up the holiday and travel landscape. Jayco has launched campervans in two exciting new bright colours – blue and orange. Colours that can’t help but raise a smile amidst the predominantly white exterior palette that most RVs display. This [vibrant Jayco JRV](https://www.jayco.com.au/range/jayco-campervans/jrv-campervan "Visit the Official Jayco JRV Campervan Page") is pitched as an entry-level campervan and can easily double as a daily/weekly drive as well as a weekend getaway machine. Priced at under $90,000 it is a very ‘doable’ option for many RV buyers. The compact JRV is built on a Renault Master base with dimensions of 6.2 metres and 2.15 metres wide and just 2.7 metres high. A relatively easy to operate the machine when compared with towing even a small sized traditional caravan or camper trailer. Campervans offer a great option for many buyers due to their compact size and relative ease of operation and most can be operated with a standard driver’s licence. Campervans also require much less space to store or the special storage requirements of traditional style caravans. But they still include sufficient of life’s necessities to make for a very enjoyable and comfortable life on the road. The Jayco JRV has a combo toilet shower en-suite, air-con, audio system, solar panel, 60-litre fresh water tank, grey water tanks, gas bottle and awning. The kitchenette is functionally equipped with a 2 burner cooktop, microwave, 62L fridge and freezer unit and sink. The dinette lounge seating converts to a double bed. So this model can present an ideal touring option for a couple. Despite the vibrant exterior colour scheme, the interior colour palette is more subdued and contemporary for a relaxed holiday and travel experience. The Renault Master base is a 2.3-litre turbo-diesel, 4 cylinders with a 6-speed auto. If vibrant is not your thing, Jayco also offers a more contemporary Urban Grey colour scheme in this campervan. Jayco campervans are also available with the Fiat Ducato base and the Mercedes Sprinter but at higher pricing than the Renault Master version. ## Securing Your Vibrant Jayco Van According to dealers that have stock of this new Jayco, interest is high in the bright colours but stock is hard to acquire. So keen buyers will need to get two things organised quickly – placing their order and arranging their finances. And of course, selecting the colour! Jayco has around 150 dealers across the country, so contact your local dealer or the head office in Dandenong to find out where you can get behind the wheel of your own vibrant Jayco. For the finance side, the process is very straightforward with Jade Caravan Finance. We offer our full [caravan loan portfolio](/ "Explore the Caravan Financing Portfolio") for both private and business buyers with the option of either pre-approved finance or post-order loans. For those considering vibrant [motorhome financing](/motorhome-loans "Explore Funding Solutions for Motorhomes") for their personal, private holidays and travel, the [Secured Caravan Loan](/secured-caravan-finance "Unlock Reliable Financing Solutions for Your Caravan Purchase") is likely to be the most suitable loan product. With this loan, the campervan will be used as the security or guarantee against the finance. When security is offered against a loan, the lender registers their interest in the goods on the PPSR – Personal Property Security Register. When the loan is repaid in full, the lender removes the security and the entry in the [PPSR](https://www.ppsr.gov.au/ "Link to the Personal Property Securities Register (PPSR)"). ### Our secured loan includes many features which may this a very popular type of loan:- - Our cheap interest rate is fixed over the entire time of the loan. This means our customers do not have to assess and review their campervan loan during the loan term unless their own circumstances require a change. - The loan term is also fixed and can be up to 7 years. Your Jade consultant will work through with you what is the most suitable length of time for you to repay the loan. Be mindful when setting your loan term of how long you plan to keep this campervan and when you might be looking to upgrade. If you sell and upgrade before the end of the loan term, break fees will apply. So it can be smart to fix your loan term to suit your buying habits. - With the fixed loan term and the fixed interest rate, a fixed monthly repayment figure is calculated. This remains the same over the term but extra payments are permitted if the borrower chooses. - No deposit loans are available for most borrowers, subject to individual lender requirements. So on the Jayco JRV, the full estimated $90,000 purchase price could be included in your loan. Also, consider any extras and options that may be available and order them at the same time of purchase so they too can be included in your loan. This vibrant Jayco campervan will also appeal to some business buyers as it may suit some deliveries or other business requirements as well as a great holiday machine. With the temporary full expensing measure currently available, many business buyers are selecting [Caravan Chattel Mortgage](/chattel-mortgage "Explore the Benefits of Caravan Chattel Financing") as their preferred type of finance. It is seen as most suitable for temporary full expensing which allows eligible businesses to claim the full price of eligible assets as a tax deduction in the year of purchase. This compares favourably against the usual accounting method of depreciating assets in small amounts over many years of ownership. ## Calculating Caravan Loan Estimates To get quick estimates on finance repayments for campervans, use our[ campervan loan calculator](/loan-calculator "Access the Campervan Financing Payment Estimator"). Or just get your application form in so we can start processing your loan to expedite delivery and ownership of your new Jayco vibrant campervan. **Contact 1300 000 003 for a quote on a loan for a vibrant Jayco campervan** *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.* **Categories:** Caravan Buying Articles --- ### [Buyers Head Online as RV Expos and Shows Cancelled](https://www.jadecaravanfinance.com.au/blog/caravan-articles/buyers-head-online-as-rv-expos-and-shows-cancelled) **Published:** November 22, 2021 **Author:** Publisher **Content:** Lockdown fatigue may be affecting many people but caravan buyers are certainly not being deterred from securing their vehicle as COVID-19 outbreaks continue to impact many areas and many industries. The caravan manufacturers look forward to the annual calendar of caravan shows and outdoor expos to showcase their new vehicles. Buyers also eagerly await these events to inspect many makes and models in one location to streamline and finalise buying decisions. Unfortunately, many caravan shows have been cancelled by the recent new outbreaks of COVID-19 across several states and buyers need to head online to secure their vehicle and their finance. Jade Caravan Finance provides an update on the RV expos and shows cancelled, how you can quickly and easily source caravan finance through online services and a new online caravan sales platform. ## Cancelled Shows – Update Despite a few donut days in Queensland, the recent coronavirus outbreak has caused [Caravanning Queensland](https://www.caravanqld.com.au/ "Explore Caravanning Adventures in Queensland") to cancel the Let’s Go Sunshine Coast Expo scheduled for 20-22 August. However, organisers are still hopeful of proceeding with the Let’s Go Brisbane Expo on 28-31 October. Another COVID cancellation is the Border Expo scheduled for the Wodonga Racecourse in Victoria, also over the 20-21 August weekend. The [Melbourne National 4×4 and Outdoor Show](https://4x4show.com.au/melbourne/ "Check out the Melbourne National 4x4 and Outdoor Show Details") has been postponed from the original August timing to the new date of 26-28 November. Also still on the Victorian show agenda for now is the Melbourne Leisurefest on 7-10 October and the Bendigo Leisurefest on 9-11 November. While Greater Sydney continues with an extended lockdown, the Sydney 4WD and Adventure Show has been re-scheduled for the Western Sydney International Dragway on 4-6 March next year. Both organisers and those planning to attend will be hoping all these events and the remaining on the caravan show calendar for 2021 also proceed as scheduled. ## Revisiting Pre-Approved Caravan Finance If you had arranged a pre-approved caravan loan through Jade Caravan Finance while planning to attend a show that has since been cancelled or postponed, please reach out to your Jade consultant to discuss the next step. There is no obligation to proceed with our pre-approved loans but all pre-approved finance and quotes for finance do have an expiry date. They are active at the prices as quoted for the set timeframe as advised when secured. If the quote or loan is not proceeded with within that time, the offer will expire. In order to extend or review a quote or loan prior to expiration, applicants will need to discuss the process with us. As the loan application has recently been addressed, the process of re-issuing a pre-approved loan through a review and possible re-quote process could be expected to be faster and less onerous than the initial application. Quotes and pre-approved loans may be at the same price as the original offer or they may differ. ## Industry Launches New Online Buying Platform With fewer showcases to visit, buyers are heading online for virtual viewings of caravans available from manufacturers across Australia. Many manufacturers have made a concerted and significant effort to upgrade their online offerings in response to the COVID situation to ensure buyers can still see as much of their products as possible. In many instances, brochures with detailed specs can be downloaded or the specs listed on the websites. In addition to the online offerings by manufacturers, the Caravan Industry Association of Australia has launched, in partnership with a provider, a new online buying platform, RV Boss. Presented as a classifieds marketplace for caravans and RVS, the site has been developed for members of the industry to showcase their products and sell to keen buyers. Tip: before talking selling price with the manufacturer, talk to us about pre-approved caravan finance first. By having your finances securely in place, you may be better placed to negotiate on price and can confidently proceed to select the options and accessories you want, knowing you have finance approved to purchase. ## Securing Caravan Finance Online If you are in lockdown or simply just want a convenient and streamlined way to secure your caravan loan, Jade Caravan Finance provides the tools, resources and services you need right here on our website. Long before anyone had ever heard of COVID-19 and before many other lenders fully embraced online services, Jade has been actively providing lending services on an online platform. - Over recent years we have expanded and developed our services in anticipation of our customer requirements and have covered what we consider are most of, if not all, the resources that loan seekers require. - Our [Loan Calculator for Caravans](/loan-calculator "Access the Caravan Financing Payment Estimator") allows for quick, easy and free calculation of repayment estimates. - Our [Caravan Interest Rate Comparison](/interest-rates "Compare Caravan Loan Interest Rates Here") shows what [major banks and lenders](/ "Visit the Websites of Prominent Financial Institutions and Lenders") are offering what loans for caravan purchases and at what interest rates. - Our web pages are packed with details on loan features and other relevant topics. - Our [articles library](/blog/loan-tips "Explore the Knowledge Repository") is being added to on a weekly basis with up to date analysis and commentary on finance and RV industry topics. - Our online loan application form and phone service allows for convenient and contactless quote requests and application submission. - Our extensive accreditations allow our customers to be assured that we have covered off on the market when sourcing them the cheapest interest rate quote. These services are backed and delivered by a highly trained and skilled team of lending experts who have the interests of our customers as the highest priority. So shows or no shows, caravan and RV buyers should still be able to secure the finance and hopefully the vehicle of their choice and be ready to head off on their travel itinerary. **Call 1300 000 003 to discuss a caravan loan with a Jade Caravan Finance consultant** *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.* **Categories:** Caravan Buying Articles --- ### [So ready for the caravan life, but are you tow-ready?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/so-ready-for-the-caravan-life-but-are-you-tow-ready) **Published:** November 22, 2021 **Author:** Publisher **Content:** The appeal and enjoyment of the caravan lifestyle focus very much on the freedom of arriving at your destinations of choice. But the reality is that caravan owners do spend a considerable amount of time on the road, towing their caravan. The importance of owners having the skills to confidently tow their caravan and the caravan being suitably equipped to assist the driver cannot be underestimated. Ensuring both you and your caravan are ‘tow-ready’ is integral to the overall purchase and ownership process. For new caravan owners in particular, when buying your caravan, pay close attention to these issues as a priority. There is technology on the market that can improve the towing performance and capabilities of the vehicle and there is education available to upskill drivers with their towing ability. Jade Caravan Finance covers some of the new technologies to allow customers to be tow-ready and how we may be able to assist with the costs of some accessories included in the caravan finance deal. ## Equipping Your Caravan Information around the process of towing can tend to focus more on the tow vehicle than on the caravan being towed. Having the right vehicle with the appropriate towing capacity is paramount. But there is equipment that can be fitted to the caravan to assist with towing. [JB Caravans](https://www.jbcaravans.com.au/ "Explore the Official JB Caravans Website") has reportedly adopted a new technology – Tow Assist ABS and is fitting on some of their models as standard kit. This is an anti-lock trailer braking system, a safety technology that has been launched in partnership with Bosch, AL-KO and USA’s Dexter. The technology provides anti-lock braking on an electric-braked trailer chassis as well as sway mitigation and other features. While Australian caravans have had access to electronic stability control for several years, this is a first for local buyers. A trailer safety system combining the anti-sway and anti-locking brakes together. JB Caravans is offering the equipment as an option on suitable caravans in their range and will soon be delivered as standard on some. To ensure your new caravan has the safest equipment available, it may be advisable to raise the issue with the dealer when you are discussing your new caravan order. Ask what towing safety technology is available to suit that vehicle and if it can be fitted during the manufacturing process. Most caravans are built to enable buyers to select exactly what options and accessories they want and define the specifications to suit the environments they intend to travel in. By including options and accessories at the point of purchase, buyers can incorporate the cost into their loan. We assist caravan buyers to spec their caravans to the highest achievable safety specs by including this type of equipment in their [secure caravan finance deal](/secured-caravan-finance "Unlock a Safe and Reliable Caravan Financing Offer"). When any options are included at the source, at the dealer and manufacturer stage, the costing will be included in the dealer’s invoice. This invoice is what our consultants use to settle the finance deal and the caravan purchase. We liaise between our lender and your dealer to finalise the settlement. To clarify, if you choose to retrofit any equipment such as Tow Assist after you have finalised your loan and taken delivery of the caravan, changing the loan amount and details is not generally a possibility. When ‘building’ your caravan either with the manufacturer or dealer in the showroom or via their online resources, ensure you look beyond the aesthetic and décor options and go underneath to the chassis and suspension details. Many will offer upgrades in suspension and other equipment to suit, for example, off-road and other rugged conditions. Including these options at the build, stage enables your vehicle to be ready to go on taking delivery and the costs covered in your loan. Speaking with a [Caravan Finance broker](/approval "Connect with a Caravan Financing Specialist") can clarify what can be included in your caravan loan. Including this type of towing and braking safety equipment in your loan does not impact the interest rate offered or the specifics of the loan format. ## Improve Your Towing Skills One of the biggest bug-bears and most difficult to master skills for learner drivers has to be reverse parking. If you think it’s difficult to reverse park a car, just imagine how much more difficult it would be to reverse park a car which is towing a caravan. According to a survey which was conducted by a motoring body revealed that a significant number of participants were not confident in their skills at reverse parking their RV. Interestingly, for those seeking assistance with their caravan investments, [jayco finance](/motorhome-loans "Visit Jayco's Financing Page") is a noteworthy option to consider. If you can relate to that, then perhaps it’s time to improve both your towing and your parking skills to ensure your safety and the safety of your caravan and your fellow travellers. Enrolling in a caravan towing and operating course is highly advisable. Courses are available across Australia and delivered by accredited and experienced trainers. While we can’t include the cost of these courses in your caravan finance contract, we are fairly certain you will reap rewards in the confidence and skills gained which will reduce stress while towing your caravan. Ensuring both you and your caravan are ready to tow and ready to go more safely. **Call 1300 000 003 to discuss a caravan loan with a Jade Caravan Finance consultant** *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.* **Categories:** Caravan Buying Articles --- ### [Securing a Coastal Retreat in a Soaring Property Market: Buy a Caravan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/securing-a-coastal-retreat-in-a-soaring-property-market-buy-a-caravan) **Published:** November 25, 2021 **Author:** Publisher **Content:** After months or nearly years of lockdowns across the country, the demand for waterside, coastal and beach properties is soaring. The property market in general across the country is hot with a lot of commentary on whether the [RBA](https://www.rba.gov.au/ "Link to the Official Reserve Bank of Australia Website") should act on interest rates to cool the market. But when it comes to the coast, the market appears to be even stronger. Rentals, purchases and holiday homes and apartments in both cities and regional areas are reportedly all experiencing strong demand. A solution to securing a coastal retreat in a soaring property market – buy a caravan with cheap finance. As reported in the media recently, rentals in Sydney beachside suburbs have soared and reportedly holiday homes in beachside locations are heavily booked as people yearn for an outdoor lifestyle after extended periods under ‘stay-at-home’ orders. If high property prices are not in your plans, think smart and buy a caravan! For many buyers, RVs offer many advantages over buying or even renting coastal real estate. One of the major benefits is having the freedom to change your view and location on a regular basis. You’re not stuck in the same place. You can hitch up and move to another destination when it pleases you. Sure, caravans and RVs may not have all the space that you’ll find in an apartment or home. But the latest models are certainly not short on luxurious inclusions. Manufacturers are designing caravans to suit the market with plenty of storage, mod cons and many models offer fully off the grid travel. And of course, the price and ongoing costs are far less. Apart from the obvious purchase price, the maintenance costs and the attention required are far less on an RV than on a property. Caravan owners do have annual registration and insurance and regular servicing on their vans to consider. Travellers who stay in holiday parks will also have to pay a fee to stay. However, these are minimal in comparison with property charges. And if your RV is set-up properly, you can stay at [free camping sites.](https://www.freecampingaustralia.com.au/ "Explore Locations for Complimentary Campsites") If the idea of owning a caravan to enjoy the Australian coastline sounds like a great idea, we take you through some of the basics around buying and financing a caravan. ## Buying a Caravan: The Basics There are quite a few issues to consider when embarking on buying a caravan but there are plenty of resources to assist buyers in making their decision. Here are a few starter points to get your process underway:- - How and where you intend to travel will be a major determinant of what type of RV you need – off-road or standard. - The choice of RVs is vast and includes traditional caravans, campers, campervans, mobile homes or RVs, slide-ons, pop-tops, camper trailers and toy haulers. - Consider how many people you need to accommodate and the level of luxury and conveniences you will expect during your travel or holiday. - Consider the vehicle you have to tow the caravan. Some smaller vans require only a small-medium vehicle while others will require a larger vehicle. Check your state transport department in regard to towing weights and what is required. - Consider your driving capabilities in regard to towing a caravan. Training in towing is available through many training organisations. A more convenient option may be a campervan. - There are many manufacturers in Australia offering a wide range of models. Refer to reviews and the [national associations](https://www.caravanindustry.com.au/accreditation/industry-supplier/accredited-suppliers/ "Visit Websites of National Organisations") for comments and accredited companies. - Refer to caravan and camping blogs and websites to read the experiences of other caravan owners and reviews of different makes and models. - If choosing to buy a used caravan, be fully across due diligence with online purchases and private sales. Refer to the [ACCC Scamwatch](https://www.scamwatch.gov.au/ "Access ACCC's Scamwatch Information") website for alerts on the latest frauds. Buying from a reputable dealer can be strongly advised. - Depending on your schedule and the events calendar, attend caravan and camping shows to see multiple makes and models in one place. These events offer valuable opportunities to talk to dealers and other owners. - Price will of course vary according to the size and features of different models and may be a major deciding factor for many buyers. But extremely relevant to the purchase price is the cost of your caravan loan. Read on for our expert coverage of caravan finance! ## Caravan Finance Opportunities Not all banks and lenders offer specifically named ‘caravan loans’. If browsing the market, you may need to look at loans named Secured Loans or Secured Personal Loans. These are more general in nature and can cover a range of consumer goods. But as a lender that specialises in caravan and RV loans, Jade Caravan Finance offers specifically structured Secured Caravan Loans. Here are a few key points to consider:- - Our [Secured Caravan Loan](/secured-caravan-finance "Discover Reliable Financing Options for Your Caravan Purchase") suits all types of new RVs regardless of make, model, size or configuration. - No deposit finance is available for many of our customers so the full purchase price can be included in the loan. - While we adhere to a better interest rate policy at all times, currently interest rates are at all-time historic low levels. The interest rate in concert with the total amount of the loan and the loan term determines the repayments. So securing the cheapest interest rate caravan loan can make your caravan acquisition even more attractive. - Terms are negotiated by our consultants to best suit individual customer preferences. - We are accredited with multiple banks and non-bank lenders. This provides us with the ability to source the cheapest offer from across a vast swathe of the finance market and provides you with a time-saving and highly professional way to source caravan finance. To find out how much a caravan loan may cost you on the RV of your choice, either use our [Caravan Finance Calculator](/loan-calculator "Use the Caravan Loan Payment Estimator") or just give us a call for a no obligation quote. With a cheap caravan loan, that caravan purchase may offer you the ideal and preferable alternative to renting or buying a coastal getaway in a hot property market. **To discuss a quote for a caravan loan, contact Jade Caravan Finance at 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.* **Categories:** Caravan Buying Articles --- ### [RV Innovations and Awards: Buying the Best with Cheapest Loans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/rv-innovations-and-awards-buying-the-best-with-cheapest-loans) **Published:** November 26, 2021 **Author:** Publisher **Content:** Caravan and RV enthusiasts are typically keen to stay across the latest and greatest offerings from the industry. But with the cancellation of many of the caravan and outdoor shows in 2020 and 2021, the opportunities to see the latest releases and connect with manufacturers and suppliers in person have been limited. Filling that void and starting a great new industry initiative is the Innovation Awards launched by [caravan camping sales](https://www.caravancampingsales.com.au/ "Explore Deals and Offers on Caravan Camping Equipment"). This highly regarded media and sales website has launched the awards to recognise the innovation, advances and evolution in the Australian RV industry. The site’s editor, Chris Fincham noted that the awards were not aimed at the most impressive or expensive but all aspects of innovation of products and accessories were being considered by the judges. The full details of how the products will be judged can be [read here](https://www.caravancampingsales.com.au/editorial/details/2021-caravancampingsales-innovation-awards-start-here-132548/) including details of the categories. The winners are announced in December but for now, Jade Caravan Finance reveals the contenders and finalists for the RV Innovations and Awards as published by caravancamping sales and we provide information on finance to secure your own award-winning RV. ## Best RV Award Finalists - Geotrek Trek-XP: featuring a unique fold-out and drawbar mounted ensuite platform, this is a full-height pop top with accommodation for 4 beds. - Kedron TopEnder TE’7: features what experts and the builder are touting as groundbreaking technology. Including S-Cam ABS safety, truck air brakes and airbag suspension, solar shade awning and much more. - Regent Cruiser: this is an imported model that the experts say is definitely worth checking out and has been tagged by the award organisers as the best Chinese built caravan so far. - STG Dreamliner: this one is definitely worth a look for its size and uniqueness. A US-style truck comes with a bus-style motorhome which is huge! A collaboration between STG Global and Kenworth this model is ideal for those seeking a toy hauler. The price is significant, but with our cheap interest rate caravan finance, this impressive vehicle could become your affordable option. - Quick Camper 2.1: as the name suggests the quick nature of the set-up puts this pop-top camper in contention. - AOR Sinergi: for those seeking off-grid camping in remote locations, this model has features that are sure to impress even the most discerning buyers. ## Product/Accessory Award Finalists This is another category in the awards and is sure to attract attention from caravan owners looking to add to their existing vehicles with the latest innovative accessories. The finalists are:- - Boss RT1 Rooftop Tent - Reversing Aid from Reverse Mate - OzTent Redgum Heated Sleeping Bag - DLG Eco-Friendly Annexe Mats - ARB Slide Kitchens - Redarc GoBlock To read why these products are finalists, check out their features [here](https://www.caravancampingsales.com.au/editorial/details/2021-best-new-product-accessory-finalists-announced-132767/ "Check out the 2021 Best New Product Accessory Finalists on Caravan Camping Sales"). ## Securing Your Award-Winning RV For buyers that really want the ‘best’, securing one of these finalists or the eventual winner could be the way to go. Many RV enthusiasts like to be the first to own the latest and greatest and we provide the lender services to make that a reality. Depending on the manufacturer, stock may be limited for these finalists, especially once word gets out of their nod in the awards. Being ready to place an order quickly can be key to securing your vehicle. To facilitate quick ordering, we provide pre-approved caravan finance. A pre-approved loan includes the same features as caravan finance that is applied for after ordering or committing to a purchase. The most popular form of loan is our [Secured Caravan Loan](/secured-caravan-finance "Unlock Reliable Financing Solutions for Your Caravan Purchase"). This loan has a very straightforward format, where the RV is used as the security against the loan and the buyer takes immediate ownership and repays the loan in equal monthly instalments over a fixed loan period. Jade’s Secured Caravan Loan features include:- - Our signature [cheap caravan financing rates](/interest-rates "Discover Cost-Effective Caravan Financing Interest Rates") are fixed for the full term of the loan. - Fixed loan term up to 7 years. - With a fixed interest rate and fixed loan term, the repayments are also fixed. So if interest rates do increase over the period of your loan term, your loan rate and repayments remain unchanged. - Additional payments are permitted as extra payments to the scheduled repayments. - Our expert lending consultants handle the entire loan sourcing through to settlement. Handling caravan finance sourcing yourself can be a time-consuming process which could waste precious time for buyers wanting to place an order on limited supply RVs. We are accredited with a vast number of lenders which provides our consultants with quick and immediate access to sourcing the cheapest quote to meet your requirements. ## Comparing Lender Options To compare what some banks and lenders are currently offering for caravan loans, including the interest rates, refer to our Interest Rate Comparison Calculator. This provides an easy reference guide to calculating repayment estimates across a large swathe of the lender market. Comparison completed, just call us to do the hard work to get you a quote at the cheapest interest rate achievable. Stay across the latest innovations in the RV industry by following the awards process and be ready to order with a Jade Caravan Finance pre-approved caravan loan. **Call 1300 000 003 for a quote on a cheap interest rate caravan loan to secure an award-winning RV** *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.* **Categories:** Caravan Buying Articles --- ### [Finding New Ways with Campers: Camper trailer Loans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/finding-new-ways-with-campers-camper-trailer-loans) **Published:** November 26, 2021 **Author:** Publisher **Content:** While supply chain issues continue to hamper the caravan manufacturing industry, the delays and restrictions don’t seem to be a constraint on development. At least with the highly popular New Age range, the team has been busy coming up with exciting new features to set their Wayfinder camper trailer apart from the competitive edge. Jade Caravan Finance covers off on news from New Age Caravans with the features on the upcoming 2022 models, the challenges still facing the industry and camper trailer loans. ## Updates to Wayfinder When deciding on the type of RV to buy, a major buying decision for some may be the ease of a traditional caravan over say setting up a camper trailer. While manufacturers go a long way to make the camper set-up as easy as possible, it can be a challenge for some users. [New Age](https://www.newagecaravans.com.au/ "Explore New Age Caravans' Offerings") has gone a step further with the inclusion of a power-operated mechanism to set up and pack down the roof of the Wayfinder. Previously the process involved manually winding a winch and cable set-up. Now the process can be a lot easier with this new power system which is operated with a touchscreen control. The controller is located on the front boot of the camper and facilitates essentially a hands-free process to raise/lower the roof. This new electric roof mechanism is seen as a key competitive difference to the wind-up operated models offered by some other manufacturers. The ease of operation is sure to be a winner for many buyers, especially when arriving at the campsite or park late in the day. Regardless of being perhaps a bit tired from a long drive or being physically or mobility challenged, this new feature should have your Wayfinder set up and ready very easily, in 2 minutes, according to the company. What else is new on the Wayfinder? According to reports, the cabinetry has been improved, the seat cushions on the dinette are thicker, updated plug and play wiring is included and there is a fresh design on the alloy wheels. There are apparently a few other new treats in store, but we’ll let buyers discover these in person when discussing their choice of model with their New Age dealer. The models include the Comfort model with extra packs available. The packs include the Comfort Plus and Adventurer Pack. The new models are expected to start rolling out in late 2021. Check out the latest offerings and your local dealer to talk price, and features and place your order. Make sure you have our Jade [Caravan Finance calculator](/loan-calculator "Explore the Caravan Loan Payment Estimator") handy on your phone to work out the repayment variations with the inclusion of different packs and options. ## CEO Message Highlights Industry Challenges There have been many a multitude of issues faced by all industries as a result of the COVID pandemic and adding to that, a global shortage of microprocessors, shipping delays and other issues are impacting both Australian and international businesses. The caravan manufacturing industry has been facing its share of the fall-out which has been compounded by a welcome surge in sales through 2020 as a result of border closures. Great to have the sales and the interest in getting into the caravan lifestyle, but makers have been swamped with orders which has led to delayed deliveries. In a very public message posted on the company website, CEO of New Age Ivan Krizman, explains the situation in a statement that captures the challenges faced by many in the sector. Mr Krizman explains that despite the easing of many restrictions, the industry was still managing the impacts of the pandemic. He says these include supply chain issues with suppliers both internationally and locally affected; uncertain freight times to secure the components and raw materials; production delays caused by being caught up in exposure site restrictions; and restrictions to production processes and timing as a result of implementing a COVID-safe plan. A key point mentioned was the requirement for safe physical distancing which meant that fewer individuals could work on a vehicle at the same time when normally it would be many more. This slows down the entire manufacturing process as caravans and RVs are typically built to order with a very hands-on procedure. These issues are causing delivery delays for New Age and for many other manufacturers. Buyers will need to be patient or try to secure a showroom model or a vehicle from the few that do have ‘ready for immediate delivery’ availability. ## Caravan Finance Scenario Jade Caravan Finance continues to support buyers with our [cheap interest rate caravan loans](/interest-rates "Discover Affordable Caravan Financing Rates here") which are readily available either as pre-approved loans or for finance after the order has been placed. If you have arranged finance and now find delivery delayed, contact us or your lender if this will impact your loan arrangements. If looking for 2022 delivery of one of the new Wayfinder models, contact us for a quote or go to our calculator to get a rough estimate of repayments to start planning your purchase. **Call 1300 000 003 for a quote on a New Age Wayfinder 2022 Model** *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.* **Categories:** Caravan Buying Articles --- ### [Caravan Travel Plans and RV Buying Updates: WA Border, Omicron, New Laws](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-travel-plans-and-rv-buying-updates-wa-border-omicron-new-laws) **Published:** December 20, 2021 **Author:** Publisher **Content:** The appeal of caravan holidays and travel has surged in the past 2 years as the coronavirus pandemic shut down many of the usual alternatives – air, interstate and international travel in particular. As 2021 closes out, restrictions are easing somewhat and potential buyers and owners are getting on with their caravan travel plans. We provide RV buying updates and reminders for those setting their caravan travel plans, intending to purchase a new caravan and those interested in buying a caravan with finance. ## Interstate Border Situation It was a great relief to many holidaymakers and travellers to have the Queensland border reopened, with criteria, on 13 December. Hordes crossed over by road and air to enjoy Christmas in the sunshine state. But for those with the eyes set on going west, the Western Australian Government has kept their border firmly shut. Travellers from other states looking to explore WA in their caravan or RV have been eagerly awaiting news of when they will be permitted into the state. The WA Premier Mark McGowan recently announced the [date and the criteria](https://www.wa.gov.au/organisation/covid-communications/covid-19-coronavirus-controlled-border "Learn about the Requirements and Timing") for those wanting to enter the state. From 5 February 2022, the state will embark on what it has named ‘Safe Transition’. This signals an easing of both international and interstate borders. There are conditions depending on which jurisdiction the traveller has been in during the previous 14 days and a G2G Pass will need to be completed. Proof of vaccination will also be required. The conditions will no doubt change and vary as the Omicron variant impacts Australia. Those seeking to travel to WA should stay across the border conditions and ensure they meet the criteria. ## Caravan Travel in WA For those looking to purchase a caravan for a specific tour of WA, they may be wise to consider an off-road RV. Travel conditions include unsealed roads and there are many remote locations that are well worth a visit. Conditions that would not be suited to a traditional on-road caravan. Our [Secured Caravan Loan](/secured-caravan-finance "Unlock Affordable Financing Options for Your Caravan") is equally suited to all types of caravans and RVs – fully and semi off-road as well as traditional models. The vehicle is used as security against the loan and with our cheap fixed interest rates, buyers have a simple equal monthly repayment schedule. When engaging Jade Caravan Finance to source caravan finance, buyers also have the opportunity to discuss including numerous extras and accessories in their loan package. For travel into more remote areas, these may include additional solar panels, larger water tanks, high-grade communications and other equipment to make the vehicle and the travellers self-sustained for an extended time. Most caravan manufacturers have at least one off-road model in their range and there are makers that specialise in this type of RV. When comparing prices also compare possible loan repayments by using our [Caravan Finance Calculator.](/loan-calculator "Access the Caravan Loan Repayment Calculator") With the current low interest rate scenario, that better-equipped, more upscale van may be more affordable in terms of repayments than you think! ## The Omicron Outlook Just when the caravan contingent thought it was safe to hitch up and head off along comes Omicron. While state leaders have to this point resisted re-instating restrictions and lockdowns, the situation does remain questionable. Caravan travellers need to stay across updates to ensure they comply with what is required in the areas they are visiting. If buying a caravan for an upcoming holiday or travel plan, it could be worth considering ensuring the vehicle has all the added extras to enable stays at free campsites. As mentioned above, the costs of many accessories and extras to set up the caravan adequately for this purpose can, in many instances, be included in the caravan loan. ## New Caravan Manufacturing Laws From July 2022 some of the biggest changes ever experienced in the Australian caravan manufacturing industry will come into effect and to the benefit of buyers. This is a significant part of the shake-up of the standards in the sector and a proactive strike at driving out shoddy importers and builders. The new compliance laws are around the new Road Vehicle Standards (RVS) legislation as seen over by the Federal Department of Transport. The laws apply to trailers with 4500kg or less aggregate trailer mass. For those seeking to purchase a caravan, this is seen as good news. At least for those buying after July next year. It should mean that their vehicle meets the new standards for design and manufacturing, is properly built and most importantly, is fit for purpose. Manufacturers that do not meet the standards will not be approved to build/sell after the cut-off date. It is expected that all the major Australian manufacturers will be compliant with many already promoting their approval status. Buyers however are warned that there are potential loopholes in the approval/certification process and they should be aware. Potential buyers may find information on which manufacturers are certified by staying across news from the [industry association](https://www.caravanindustry.com.au/). When buying a caravan with finance, it is not the role of the lender to necessarily advise buyers of these issues or to do verification checks of such matters. At Jade Caravan Finance we provide PPSR and other checks, especially for used caravans. If a buyer does take on finance to purchase a caravan and it is found to be non-compliant or a lemon, they will still be required to make the scheduled repayments and resolve the issue with the seller. So it is important to do all the necessary checks when purchasing a new or a used caravan. By engaging Jade Caravan Finance as your lender you can enjoy the benefit of our professional expertise and knowledge as much as possible. We will be staying across news relevant to caravan buyers and posting regular updates. **Call 1300 000 003 to discuss your caravan finance requirements with a Jade Caravan Finance consultant.** *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.* **Categories:** Caravan Buying Articles --- ### [RV Loans for Long-term Travellers](https://www.jadecaravanfinance.com.au/blog/caravan-articles/rv-loans-for-long-term-travellers) **Published:** December 29, 2021 **Author:** Publisher **Content:** While many people purchase a caravan primarily for holidays, weekends away and other short-term getaways, others have bigger, or should we say, longer plans for the vans. Those who head off on an around Australia bucket-list trip in retirement, those who long for adventure and those who just love that semi-nomadic lifestyle. Many of today’s RVs are designed and built as homes away from home with all the facilities required for an extended time on the road. But what is required to facilitate those exciting plans may be RV loans that are also designed to suit long-term travellers. Caravan finance sourced through many banks and lenders may not specifically suit those who plan to be away for an extended timeframe. With these types of lenders not generally known for being open to discussion on loan terms and conditions, buyers may find themselves in a position of having to make their plans around their loan. That just doesn’t seem right. As specialists in RV loans and caravan finance, Jade Caravan Finance has the services, expertise and most importantly, the willingness, to individually source, negotiate and tailor RV loans to suit the needs of individual customers. ## Mitigating the Risk of Change When heading away on long-term travel plans for 3, 6 or even 12 months, the last thing you want to be worrying or even thinking about is regularly attending to your caravan loan. Your attention should be on enjoying the experiences and taking in all the locations have to offer. The major worry for many is the risk of changes being made to any aspect of their loan. To assist long-term travellers in avoiding risk and to secure a ‘set and forget’ caravan loan, Jade Caravan Finance arranges [caravan financing](/secured-caravan-finance "Explore Options for Financing Your Travel Trailer") with fixed elements. Firstly, the interest rate. While some banks and lenders may have loans for caravans with variable interest rates, our Secured Caravan Loan features a fixed interest rate. The Secured Caravan Loan is the most widely-used type of loan and it suits most new RV purchases including off-road, traditional, and semi-offroad caravans as well as mobile homes, camper trailers and toy haulers. The RV is the security against the loan as accepted by the lender. No additional security is typically required with this loan, except as specifically requested by lenders after assessing individual loan applications. We arrange a [fixed RV Finance rate](/interest-rates "Discover Stability with a Fixed Rate RV Financing Option") and that means the same interest rate will apply to that loan regardless of what might happen in the general interest rate scenario. Currently, rates across most lending markets are at historic low levels. This is in response to the lowest official cash rate ever being set by the [RBA](https://www.rba.gov.au/ "Link to the Reserve Bank of Australia's Official Website") over the past 12+ months. This is the rate used by lenders to establish the interest rates they will charge on their different loan types. As the rate is currently the lowest, there is virtually no prospect that the current rates we can achieve on caravan loans would dip any lower in the future. At some time over the next few years, possibly 2023-2024, though some analysts expect an earlier timing, the RBA will increase the official cash rate. That is likely to trigger rises in interest rates across many lending markets. So securing a fixed interest rate caravan loan now protects our customers from interest rate hikes over the term of their loan. A fixed loan term is also a feature of our [Secured R](https://jadecaravanfinance.com.au/secured-caravan-finance.php "Explore Reliable RV Financing Solutions with Security.")[V](/secured-caravan-finance "Explore Reliable RV Financing Solutions with Security")[Financing](https://www.jadecaravanfinance.com.au/secured-caravan-finance "Explore Reliable RV Financing Solutions with Security."). That, together with the fixed interest rate, delivers a fixed loan repayment schedule. The repayments are negotiated by our consultants with the lender to achieve as close to our customer’s preference as possible. Once in place, the same amount will be due each month of the loan term. That is essential for those embarking on extended touring and wanting to plan not only their route but also their finances in advance. And there’s no worry about missed payments. Repayments are set-up via direct debit so you are not constantly need to make EFT transfers by set dates to meet the commitments. The certainty of fixed interest rates, fixed loan terms and the resultant fixed repayments mitigate the risk of changes that could potentially disrupt travel plans. ## Certainty over the Long Term Another important factor for long-term travellers is certainty around their finances. With loan terms of up to 7 years available, we can provide that certainty for both travellers and those using the vans for holidays and short getaways. Once locked in place, the loan remains the same, providing an extended period to pay off the caravan. The purchase price can be amortised over many years of happy holidays and adventure travels. With these assurances around your RV loan, why not start looking at which caravan will suit your travel plans and start the conversation around finance with one of our consultants. **Call 1300 000 003 to discuss your caravan finance requirements with a Jade Caravan Finance consultant.** *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.* **Categories:** Caravan Buying Articles --- ### [Showcase: Royal Flair Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-royal-flair-caravans) **Published:** January 10, 2022 **Author:** Publisher **Content:** With the recent surge in interest in buying caravans the increase in sales has also come with a spike in the number of complaints made to the [ACCC](https://www.accc.gov.au/media-release/views-sought-on-caravan-industry "Visit the Australian Competition and Consumer Commission (ACCC)") from caravan buyers. This has highlighted the importance of buyers purchasing their RV from a reputable manufacturer. While Jade Caravan Finance is not in a position to recommend any particular manufacturer, we do like to showcase different leading makes and models for the interest of our customers. In this article, we showcase [Royal Flair Caravans](https://www.royalflair.com.au/ "Explore the Official Royal Flair Caravans Website") which recently received the nod as the RVMAP’s People’s Choice Manufacturer of the Year. RVMAP is the accreditation system for manufacturers through the Caravan Industry Association of Australia. ## Royal Flair Overview While accredited by the industry association, Royal Flair is also certified and endorsed by ISO 9001. The business has been operating since 1975 and developed an enviable reputation as a premier caravan manufacturer. The company places great importance on detail with an emphasis on interiors that combine luxe with function and form. The company adheres to a philosophy that it is the small details that make the big difference. That applies to the fabrics and finishings and overall quality to ensure a superior experience for the caravan users. Royal Flair is conscious of the changes in the RV sector particularly around what buyers are looking for in a caravan and where they are seeking to travel. Using durable and sustainable materials that will endure the conditions in Australia’s rugged environments. ## Range Royal Flair offers a comprehensive range of caravan models to suit many different users – families, adventure-seekers, off-roaders and those seeking luxury. Their Micron series, a compact style, is an award winner. The AussieMate is an off-road, custom-built model while the Van Royce series is luxurious. The Designer and Piazza Series are defined by their uniqueness. One of their recent custom builds was featured on a popular caravan sales platform and is a [great read](https://www.caravancampingsales.com.au/editorial/details/royal-flair-unveils-eco-mate-48v-caravan-133369/ "Check out this captivating article") to see the detail and quality that Royal Flair include in each caravan. This particular vehicle was built to the specifications of a buyer wanting off-grid living and is purpose-built to suit exactly the way they want to travel. Yes, it was apparently the most expensive caravan that the company has built but wow, what a showcase of their capabilities. In browsing the range online, it’s hard not to be drawn to the unique Piazza Series. This is the newest caravan in their luxury range and as the company states, it appears to truly redefine the concept of living outdoors. The unique and clever design has added undercover space by utilising the area which is above the draw bar. This creates essentially a deck that is quick and easy to set-up and creates an extra 4.5 sqm of space which is undercover but above the ground. Fantastic for those who take their pets along as it provides a secure space for them. Also great for providing a great elevated vantage point to take in location views in style and comfort. There is access from the deck to the interior of the caravan for quick refreshment of drinks! Enjoy the outdoors without the drawbacks that can come with setting up your table and chairs on the ground. Especially appealing where your site is not grassed. Definitely worth checking out this model. ## Finance for Royal Flair Caravans A showcase of Royal Flair would not be complete without information on the finances available for buyers to purchase their own unique and luxurious model from the range. After all, most buyers will want all that luxury and detail that a Royal Flair offers, but practicality prevails and the price needs to be affordable. Affordability can be achieved through securing caravan finance at a cheap interest rate. Jade Caravan Finance focuses on securing cheaper caravan loans for buyers of Royal Flair Caravans based on [better caravan interest rates](/interest-rates "Discover Improved Rates for Caravan Financing"). The interest rate is the key determining factor in the repayments and hence cost of the loan. Our[ Secured Caravan Loan](/secured-caravan-finance "Explore Secure Financing Solutions for Your Caravan") is the most suitable loan for new caravan purchases with the van becoming the security against the loan. To ensure certainty for our customers, especially those who have extended travel plans, we offer fixed interest rates on our caravan loans. A fixed-rate ensures that the same rate will apply to that loan over the complete term of the loan. Even if interest rates, in general, do rise during the loan period, the rate and the repayments on a fixed interest rate caravan loan will remain the same. To get an idea of what repayments may be on a Royal Flair caravan at our current interest rates simply refer to our loan calculators. By entering the purchase price and preferred number of years for the loan term the estimated monthly repayment is instantly displayed. Use the calculator when discussing your build with the company. It makes a great tool for seeing how any extras and accessories or different priced models will affect the loan repayments. For even greater confidence prior to purchase, we can arrange pre-approved loans. If adding some real flair to your caravan style is of interest to you, contact us for a quote on a Royal Flair caravan. **For finance on a Royal Flair caravan, contact Jade Caravan Finance at 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.* **Categories:** Caravan Buying Articles --- ### [Showcase: On the Move Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-on-the-move-caravans) **Published:** January 18, 2022 **Author:** Publisher **Content:** Caravan buyers planning to attend upcoming caravan shows will no doubt be starting to survey the market. Checking out what makers will be exhibiting at which shows and compiling a short list of what they must see at each show. Australia boasts an impressive caravan manufacturing industry and buyers are spoiled for choice with the high quality and ranges offered by our local makers. One local Aussie caravan manufacturer to add to your list should be On the Move Caravans As part of our coverage of the caravan market, we take a look at the range of models from [On the Move Caravans](https://onthemovecaravans.com.au/ "Visit the Official Website of On the Move Caravans") and find out what cheap interest rate caravan finance is available to make the purchase. ## Overview: On the Move Caravans On the Move Caravans is certified as an Australian made product and displays the highly recognisable Australian made logo on their range. This is a family owned and operated business located in Campbellfield Victoria, a key hub of Australian caravan manufacturing. Their collection of models is designed to suit a range of traveller’s needs and is earmarked by quality. The On the Move Caravans range includes three collections:- - Traxx Series II – two models - Vortex – two models - Explorxx – one model The Vortex Black Edition is a real eye-catcher. Described as compact, solid and sexy, the black exterior of this caravan certainly differentiates it from many others on the market. This model is available in 18’ family dual axle and 19’ dual axle variants. Features included independent suspension with twin shockers; type 4 manual airbag system; two 110-litre fresh water tanks; 110-litre grey water tank; full ensuite; ESC; 510 watts of solar; reverse camera with monitor; contemporary lightweight furniture with concealed overheads; compression fridge; double glazed windows; and plenty more to check out. The interior style continues the contemporary black exterior with a modern mono palette with a modern yet comfortable décor. Prospective buyers can take a 3D tour of the model range on the company’s website. Off-roaders are catered for in the Traxx Series II collection. The Off-Roader has independent suspension, solar power, dual batters and plenty more inclusions to suit those who choose to spend plenty of time away. At 11’2” the Huntar is a more compact caravan and is suggested for those who are upping the ante from a camper to a caravan. Or for those who simply prefer a smaller vehicle. Layouts can be selected to cater for a queen or single bed, internal facilities for cooking are included as are facilities that allow for free camping – toilet/shower and water storage. On the Move Caravans look impressive and worth consideration. ## Finance for On the Move Caravans For those looking to purchase one of the impressive models in the On the Move collection, Jade Caravan Finance offers equally impressive [caravan loans](/ "Explore Financing Options for Your Travel Trailer"). For new caravans, our Secured Caravan Loan suits most buyers. The caravan is used as the security against the loan and our consultants negotiate fixed monthly repayments over a fixed loan term to best suit the requirements of our customers. Our better interest rate policy ensures our customers are securing the cheapest loan that meets their application and specifications. Additional payments can be made if desired which provides flexibility for our customers. No deposit finance is available to approved applicants which allows the full purchase price to be included in the loan amount. To see what repayments on one of the models in the On the Move range may be, simply use our [Caravan Finance Calculator](/loan-calculator "Access the Caravan Financing Calculator Here"). Finance calculators are easy to use – just input the amount required in the loan with our current advertised interest rate and then vary the loan terms to see how that affects the repayments. When you have arrived at a repayment amount that is in line with your expectations, simply contact us to request a firm quote. ## Secure Finance Prior to Sealing a Deal For those unsure of how much they may be approved for in a caravan loan and as such, which particular model is in their budget range, consider a pre-approved loan. Pre-approved caravan finance is arranged before sealing the deal with a manufacturer. It allows buyers to know in advance what loan amount they are approved for and what repayments would be for that amount. Prepared with their loan secured, buyers are then ideally placed to quickly confirm their order when they find the right caravan. Pre-approved loans are available at the same interest rates as finance arranged after the purchase commitment has been made. All features and inclusions of the Secured Caravan Loan apply to pre-approved loans. To discuss a finance quote for one of the impressive models in the On the Move Caravans range, contact us by phone, email or via our online enquiry form. **For finance on an On the Move Caravan, contact Jade Caravan Finance on 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.* **Categories:** Caravan Buying Articles --- ### [Showcase: Lyfe RV](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-lyfe-rv) **Published:** January 23, 2022 **Author:** Publisher **Content:** Many of Australia’s leading caravan manufacturers are household names and have been around for decades– Jayco, [Millard](https://millardcaravans.com.au/ "Visit the Official Millard Website for More Information"), Viscount, and Goldstream to name just a few. However, the industry is vibrant and energised and enjoying a huge increase in demand over the past few years. This, amongst other reasons, has led to the emergence of a number of new manufacturers which are making their mark. [Lyfe RV](https://lyferv.com/ "Explore the Lyfe RV Experience") is a Melbourne-based RV manufacturer, relatively new on the scene, which presents as a unique, custom maker specialising in high quality, off-road caravans as well as hybrids. A new brand for caravan buyers to check out when selecting their new RV. For caravan buyers looking to go off the grid, Jade Caravan Finance offers cheap interest rate loans for all models in the Lyfe RV collection of off-road and hybrid RVs. We showcase Lyfe RV and offer finance options to assist buyers in purchasing their slice of Lyfe! ## Lyfe RV – New Manufacturer to Watch Lyfe RV is based in Melbourne and is a small, family-owned and operated business that specialises in off-road and hybrid RVs. A key approach of the business is to clear much of the confusion faced by buyers in making decisions about what caravan to buy and what they should include. Making decisions around semi versus fully off-road, inclusions for off-the-grid living and many other concerns are erased as Lyfe includes many as standard. The company provides an all-inclusive RV for off-grid, off-road travelling. They have developed their priorities based on experience as avid caravan owners so they know what customers expect in order to enjoy travelling through Australia. Lyfe style is upmarket and quality. They use the latest construction techniques such as full composite and pride themselves on offering innovative designs. ## Lyfe Range The range of Lyfe RV models focuses on off-road and hybrids but with caravans that suit all types of travellers – grey nomads, singles, families and mates or couples. The range includes several variants of its Hybrid Trakker so buyers can select specifically the model to suit their plans. The Trakker is a very good-looking vehicle with a compact and neat appearance and seemingly everything to sustain travellers for some time. - Hybrid Trakker EXP15: A lightweight model with excellent use of space. Available in a pop-top and hard top, this RV has plenty of storage, an internal combo bathroom, air con, smart TV, diesel heating hot water and plenty more. On the exterior, the large awning creates a welcoming dining and entertaining space with a fully appointed kitchen and panty. Off-grid power is provided with solar panels, lithium batteries plus an inverter. - Hybrid Trakker EXP15 Family: Clever design and use of space make this ideal for a family. Spaces are created to suit children and adults so all can enjoy time off the road. - Super Trakker EXP19: The luxury model also includes an internal kitchenette dining space and a queen bed! All models offer easy set-up so you don’t waste time getting sorted when you reach your overnighting destination. Lyfe RV models are stylish and functional with so many of what others consider ‘extras’, already included as standard. Removing much of the decision making from the buying process. A factor that will no doubt be much appreciated by those who are relatively new to off-road caravanning. ## Financing Your Lyfe RV The Hybrid Trakker from Lyfe RV has a lot going for it and will no doubt be an extremely popular choice for many buyers. But this level of quality and inclusions does come with ‘price considerations’. In order to make the purchase as affordable as possible, buyers will also be seeking the cheapest caravan loan and that starts with finding the cheapest interest rate loan on the market. Just as Lyfe RV takes much of the guesswork out of what to include in an off-road off-grid hybrid, Jade assists those seeking a cheap interest rate loan with comprehensive, expert [Caravan Loan Packages](/why-jade-caravan-loans "Browse Caravan Financing Options and Packages"). Our [Secured Caravan Loan](/secured-caravan-finance "Explore Reliable Financing Solutions for Your Caravan Purchase") is ideally suited for the purchase of new, hybrid off-road vehicles such as the collection from Lyfe RV. This loan type is suited to all types of caravans, campers, RVs and mobile homes. Caravan loans are available through numerous lenders and the interest rates vary across the market. Some lenders offer fixed interest rate loans while others may offer a variable interest rate loan. We offer loans at a fixed interest rate to provide our customers with certainty over the full term of their loan and to take advantage of the current historic low interest rate market. Here we present a comprehensive reference table, which provides the type of loan and interest rates for caravan finance offered by various lenders. This table, a tool for easily understanding [RV Loan Interest Rates](/interest-rates "Discover Rates for Financing Your RV"), allows buyers to quickly identify what’s available, take note of our competitive rate, and proceed to request a quote. Not only does this comparison table help compare different loans, but it also doubles as a caravan loan repayment calculator. Our customers are assigned one of our consultants, a trained expert in lending, who acts purely in your interests in sourcing the cheapest caravan loan offer. So if a Lyfe RV looks like the style you’re seeking, speak with us about cheap finance so you can place your order. **For finance on a Lyfe RV hybrid caravan, contact Jade Caravan Finance at 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.* **Categories:** Caravan Buying Articles --- ### [Showcase: Cruizy Campers - Vagabond Teardrop Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-cruizy-campers-vagabond-teardrop-caravans) **Published:** January 30, 2022 **Author:** Publisher **Content:** There has been a massive increase in interest in getting into the caravan lifestyle as the COVID-19 pandemic curbs the travel plans of many Australians. Caravans offer a great way to travel and holiday and the range of makes and models available allows buyers to select the one that specifically suits their requirements. But one of the big issues that can hold buyers back from making the move is having a vehicle suitable to tow the caravan and the related issues around towing skills and storage. With the range of Vagabond Teardrop Caravans, [Cruizy Campers](https://www.cruizycampers.com.au/ "Visit the Official Cruizy Campers Website") has addressed the issue of towing vehicles and makes the outdoor lifestyle more accessible for many caravan buyers. Located on the NSW Central Coast at West Gosford, Cruizy Campers is the importer of these funky Vagabond Teardrop Campers from South Africa manufacturer. Not only does the towable factor bring camper ownership into the realm of more people, but the pricing also makes camper ownership more affordable. We showcase the selection of Vagabond Teardrop Caravans from Cruizy Campers and provide buyers with information on accessing cheap caravan finance to make their purchases. ## Vagabond Caravans Information Established in 2009, Vagabond Caravans are manufactured by EVOFibre, a company that lays claim to leading the market in teardrop and in lightweight caravans. The range of caravans is differentiated by the lightweight fibreglass body. Cruizy Campers imports the campers in an almost-complete state into Australia and completes the final stages of assembly and finishing at its NSW facility. These final stages of fitment include installing locally-soured componentry such as couplings and axles amongst others. One of the great attractions to this type of camper/caravan is the lightweight and towability. According to the company, these teardrops can be towed by ‘any car’ without the need to purchase and install complicated accessories. They quote the [Suzuki Jimny](https://www.suzuki.com.au/vehicles/suv/jimny "Explore the Suzuki Jimny Model") and Hyundai i30 as suitable vehicles. Of course, it is always highly recommended that any driver planning to tow a caravan undertake instruction to ensure safe and confident towing. Road safety for yourself, the caravan and other road users is paramount. The small size, especially roof height, can make finding storage options while not in use a whole lot easier. ## Vagabond Teardrop Caravan Range This quirky looking range of caravans has a full monocoque fibreglass body and polyurethane foam insulation. This means no leaks from the roof etc and a more lightweight RV. There are currently three models in the range:- - Possum: the basic model that allows buyers to then choose additional options to include to achieve a vehicle that suits their requirements. The chassis has a 900kg load-bearing capacity and has 3 leaf-spring suspension. Inside there are great storage options, a queen-sized bed and plenty of inclusions – roof rails, awning brackets, a water tank with 60-litre capacity, a gas stove with 2 rings, a water pump and a basin tap. - Joey: this is the next model up and includes a fully integrated kitchen. This has a fridge, 2-plate gas stove, plumbed basin and tap and cupboard for groceries and cooking utensils. - Brumby: this is the top of this current range and includes additional extras to the Joey and the Possum. Cruizy Campers offers an impressive list of accessories so buyers can truly customise the package to suit their specific holiday and travel plans – awnings and annexes, shower cubicles and many others. Don’t forget to order all the accessories and extras you want when ordering your Vagabond so Jade Caravan Finance can include the price in your caravan loan. While the size of these teardrop caravans and the lack of some facilities such as a full bathroom may not suit all buyers, the affordable price point is likely to be seen as quite worth the compromise. After all, if there is only 1 or 2 of you travelling the size is fine and there are always accessories available and parks and sites to cover the bathroom facilities available. If planning free camping, check out the facilities available at the [different sites](https://www.fullrangecamping.com.au/directory-categories/free-camps/) across Australia. ## Finance for a Teardrop Caravan Attracted by the price of a Vagabond Teardrop Caravan? Then find out immediately how that price converts to estimated loan repayments using our [Caravan Finance Calculator](/loan-calculator "Access the Caravan Loan Calculator Here"). As specialists in leisure market lending, we provide finance for all types of caravans including these smaller teardrop models. Our Secured Caravan Loan is a versatile finance product that suits most caravans and most buyers. The [Best Secured Caravan Loan](/secured-caravan-finance "Discover Top-Rated Caravan Financing with Security") includes:- - Our signature cheap interest rates are fixed for the full finance term - The teardrop van is used as security against the loan - Fixed finance terms - Fixed repayments - Option to make extra loan payments with minimal break fees if the finance is paid out ahead of schedule - Cheapest loan offer sourced from across our vast selection of lenders - Professionally secured, processed and handled by trained finance experts With these Vagabond Teardrop Caravans, Cruizy Campers has definitely opened up the caravan market to many more buyers. To find out how we can make a teardrop van accessible to you with cheap finance, speak with one of our consultants. **For finance on a Vagabond Teardrop Caravan, contact Jade Caravan Finance on 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.* **Categories:** Caravan Buying Articles --- ### [Places to Visit in an RV: Australia’s Top Beaches 2022 Revealed](https://www.jadecaravanfinance.com.au/blog/caravan-articles/places-to-visit-in-an-rv-australias-top-beaches-2022-revealed) **Published:** February 7, 2022 **Author:** Publisher **Content:** If you’re seeking inspiration on where to plan your RV travels, Tourism Australia has provided great ideas with the announcement of Australia’s top beaches for 2022. For a country girt by sea, to attempt to single out beaches which are the best is a bold move. To actually name a list of 20, is amazing. The naming of Australia’s best beaches is undertaken by Tourism Australia and each year has specific criteria that each is judged on. Visiting the entire list of Australia’s top beaches could be a great adventure for caravan and RV owners to embark on and a great inspiration to purchase an RV with cheap caravan finance. Heading off on the beach trail is a great way to enjoy the caravan lifestyle. The adventure sounds amazing and exciting, but ironically the top beach, the numero uno, is Misery Beach in Western Australia. The name certainly does not appear to reflect the enjoyment visitors will experience on arrival. To inspire buyers to purchase a caravan and plan their trips, we provide the details on Australia’s top beaches for this year. ## Judging the Annual Top 20 Beaches The announcement of the 2022 list of top beaches was made on 30 January 2022 by Dan Tehan, Federal Minister for Trade, Tourism and Investment and Mr Brad Farmer. Mr Farmer has been appointed by Tourism Australia as a beach expert and Friend of Australia. His credentials as a judge for the best beaches include visiting most of the accessible beaches in Australia as research for his nearly 40 years of writing about our beaches. The 2022 winner’s list focuses on locations that are nature-based, celebrate the cultural value of our coastline to First Nations people and include a number of very quirky places that are easily reached from major cities. In making the announcement of the beaches judged by Mr Farmer, Minister Tehan noted how tough the judging task must have been with over 11,000 Australian beaches to select from. Mr Farmer said that after long periods in lockdown, Australians were keen to enjoy the sand by holidaying at home and this selection of diverse and magnificent beaches offered that opportunity. When judging the 2020 top beaches, Mr Farmer set somewhat of a precedent when he placed the beach at Wagga Wagga, an inland NSW regional centre, at number 9 on the list. This was the first time an inland river beach was included and it recognised how valuable the water experience is to rural and regional communities. So for those planning a beach discovery trip in their RV, it doesn’t have to be entirely coastal. Phillip Harrison, the Managing Director of Tourism Australia explained that in judging the top beaches Mr Farmer had explored the coastline, searched inland areas and the islands which lay off the coast. ## Australia’s Top 20 Beaches for 2022 The list of top beaches for this year has been described as compelling due to the cultural connections with First Nations and several inclusions that are not often discovered through internet searching. All states and territories are included on the list. Topping the list at number one is [Misery Beach](https://exploreparks.dbca.wa.gov.au/site/misery-beach "Learn More About the Enigmatic Misery Beach") which is a little-known spot on the southwest coast of Western Australia near Albany. Second place went to Horseshoe Bay at NSW’s South West Rocks, followed by The Spit at the Gold Coast in QLD, Flaherty’s Beach on the SA’s Yorke Peninsular with Loch Ard Gorge at Port Campbell in VIC rounding out the top 5. Next on the list is The Neck on Tasmania’s Bruny Island, Blue Pearl Bay in the magnificent Whitsundays in QLD, Depot Beach on the NSW South Coast, Murrays Beach in the Jervis Bay Territory of NSW and ACT, and at number 10 it’s Darwin’s Dundee Beach. Need more inspo? The final 10 include Dudley Beach at Newcastle NSW, Thompsons Beach in rural VIC at Cobram, Perth’s Coogee Beach, Mots Beach in Marlo VIC, Alexandria Bay at Noosa QLD, Emu Bay on iconic Kangaroo Island in SA, Lake Wabby on K’Gari (formerly known as QLD’s Fraser Island), Sydney’s Congwong Beach, Jellybean Pool in the Blue Mountains NSW and at number 20 it’s Ethel Beach on Christmas Island. To assist in planning your RV trip to these locations, find out the [specific details](https://www.tourism.australia.com/content/dam/digital/corporate/documents/best-australian-beaches-2022.pdf "Access In-Depth Information") of each of the top beaches. ## Inspired to Travel? If this list has inspired you to get into the lifestyle offered with caravan ownership, start by speaking with us about [cheap caravan finance](/ "Discover Affordable Caravan Financing Options"). At our [cheap caravan finance rates](/interest-rates "Explore Cost-Effective Caravan Financing Rates"), the RV of your choice may be far more affordable than you imagine. Some of the top beaches may require an off-road or semi-offroad RV to access. Jade Caravan Finance provides finance for all types of caravans and the Australian market has many models to select from. So get some sand between your toes while appreciating why these locations have been judged the top beaches in Australia for 2022. **To discuss finance on all types of caravans, contact Jade Caravan Finance at 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.* **Categories:** Caravan Buying Articles --- ### [Showcase: Harvok](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-harvok) **Published:** February 14, 2022 **Author:** Publisher **Content:** Innovation is a hallmark of modern caravan manufacturing design and construction. Businesses are constantly investing time, effort and funding into coming up with new ideas and clever inclusions to enhance and improve the caravan lifestyle. One company that appears to be setting a new benchmark is [Harvok](https://www.harvok.com.au/ " Visit the Official Harvok Website for More Information") with their monocoque one-piece body Harvok Playstation camper. It addresses the question of why a caravan can’t be built like a car. A world-first in caravan building, this groundbreaking new model has now arrived in Australia. What makes this model so special? We showcase the features of the Harvok Playstation and how it may enhance life on the road. ## Harvok Playstation Features A monocoque caravan/camper has a body in one piece. This means no joints, leaks, glues and screws. The single section is structured using cold pressing and robotic welding techniques – the same processes used in car making. This means the end to timber walls and insulation foams and according to the manufacturer, great durability and better stability. This is a groundbreaking introduction to the Australian market where the majority of caravans on the market are built with the body onto chassis method and predominantly assembled by hand using aluminium or timber frames. Frames are then clad or sandwiched and sit on top of the chassis. The Harvok monocoque structure is constructed in a Chinese manufacturing facility that makes minibuses. The fit-out takes place at the company’s RV facility with final stages of fit-out completed at the company’s Victorian facility. According to reports, the difference between Harvok and others claiming a monocoque build is that the others are a body on a frame. For Harvok, the true monocoque is a single unit. On these models, the chassis and the body are welded and then dipped in anti-corrosion liquid baths so the build is a complete unit. The same methods are used in motor vehicle manufacturers. A key benefit to buyers will be the pricing. The process is less labour-intensive than traditional caravan manufacture. It is also expected to result in fewer warranty issues in regard to leaking joins. As well of course as the increased rigidity and strength. The initial delivery of Harvok Playstation caravans includes the 14’6” model which is a hybrid caravan. That will be followed in the near future by the 19’6” versions. The look is also quite different from many other caravans on the market. A rear hinged door is the entry point, giving this a very unique appearance. Inside there are hopper windows along the sides, a leather lounge with a swivel table, a 66 L fridge/freezer, 70 L tanks for fresh water and plenty of other comfort features. Cooking is facilitated with a slide-out facility which includes a 4-burner gas cooktop, tap and sink. Storage is maximised with the front section and the integrated roof racks. Harvok will be showing their ground-breaking Playstation model at upcoming caravan shows so keep an eye out. Pre-sale orders are now being taken so speak to Jade Caravan Finance about pre-approved caravan finance to secure your order. ## Harvok Range While the Playstation is attracting attention for its unique manufacturing technique, Harvok have a number of other models in their range which could be worth taking a look at. The range includes various models in their Powerbank fully electric selection, the Suit of Armour collection and the Playstation range. While the Harvok range is manufactured in China, the company was started in 2018 by an Australian. A caravan engineer with a focus on developing revolutionary RVs. The Australian head office is in Dandenong South in Victoria. ## Prepare for Pre-Sale Ordering The unique offerings by Harvok are sure to capture the attention of Australian caravan buyers. Pre-sale orders are now being taken by the company and the range will be seen at upcoming shows. For buyers that like to be ahead of the pack, and be the first with something new and different, being prepared to place your Harvok order could be critical to quick delivery. To enable buyers to be prepared to pre-order caravans and RVs, Jade Caravan Finance provides [pre-approved caravan finance.](/secured-caravan-finance "Discover Your Eligibility for Pre-Approved Caravan Financing") This service is available for all our caravan loan types. For new caravans, the Secured Caravan is the most popular type of loan. It suits all types of new caravans and most buyers. The Secured Caravan Loan has a standard secured loan structure where the goods being purchased become the security against the finance being borrowed. The loan is repaid over a fixed loan term and in equal monthly repayments. What is not so standard with Jade Secured Caravan Loans is the [caravan interest rates](/interest-rates "Explore Rates for Financing Your Caravan"). We offer better and that means cheaper interest rates. This same cheap rate is applicable to both pre-approved caravan finance and finance that is secured after the purchase commitment is made. Harvok Caravans are affordably priced and our cheap interest rate loans can make the purchase even more attractive. **Contact Jade Caravan Finance on 1300 000 003 for finance for a Harvok caravan.** *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.* **Categories:** Caravan Buying Articles --- ### [Showcase: Toytuf](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-toytuf) **Published:** February 14, 2022 **Author:** Publisher **Content:** Caravan shows are great opportunities for potential buyers to check out the new releases in RVs and equipment and for manufacturers and dealers to showcase their latest and greatest models. After the COVID-19 disruptions of the past few years, the 2022 caravan show calendar is off and running and the early shows appear to be offering visitors plenty to see. One new camper model which exhibited at the [Newcastle Caravan Camping and Lifestyle Expo](https://www.visitnsw.com/destinations/north-coast/newcastle-area/newcastle/events/newcastle-caravan-camping-and-holiday-expo "Visit the Official Website for the Newcastle Caravan, Camping, and Lifestyle Expo") in early February was the [Toytuf TF1](https://toytuf.com.au "Learn More about the Toytuf TF1 Product"). The Toytuf TF1 is billed as the ultimate base camp and builds off the Deluxe II Off-Road Camper from Signature Camper Trailers with an electricity system described as ‘next level’. With a surge in caravan ownership creating busy environments in caravan parks and popular spots, the desire to seek more remote locations is growing. With an increasing number of travellers and holiday-makers seeking more adventurous locations to visit and explore, these expedition style campers can be the ideal RV. We showcase the Toytuf TF1 and provide details on how you could become a proud owner of one with our cheap camper finance. ## Toytuf T1: Features The Toytuf TF1 is an off-road camper trailer that adds a lot more features and accessories to its Signature Deluxe II camper base. When heading to remote places, the power system is vital. The TF1 has a 15 amp site input, 240 volt breaker switches and a 20 amp 240 charger installed. Built into the control panel the centre storage boxes are GPO outlets. Full 240 volt functionality is maintained whether you’re off-grid or connected to site power thanks to a 2000 w pure sine wave inverter which has a built-in AC transfer switch. This camper is packed with a storage capacity – of 2500 litres, which includes the versatile roof cage. This is a tough unit with a baked enamel body and a powder-coated top and cage. The tyres are mud terrain quality and the tyre/wheel combo matches the majority of 4WD vehicles. This tough tourer is underpinned by an Australian suspension system with dual 4×4 shock absorbers and many other inclusions to take on the rough tracks out back. Comfort and convenience are not compromised. The kitchen can be set-up quickly and has 2 burners, plumbed for gas and 111 litre water capacity. While the rooftop tent with its hard top, makes for comfortable accommodation. The tech on the TF1 has been lauded as has the affordable pricing which is mid-range for this category of vehicles. This camper is built largely in China but fitted with plenty of premium inclusions including many from local suppliers and manufacturers. Definitely work a look for those seeking an affordable off-road camper trailer. Signature Camper Trailers are the NSW and Queensland dealers for Toytuf models. ## Financing Your Toytuf Camper While not all banks and finance companies will advertise a specific loan for campers and caravans, as a specialist in leisure market lending, Jade Caravan Finance does offer a [Secured Caravan Loan](/secured-caravan-finance "Explore Reliable Financing Options for Your Caravan Purchase"). This loan is suitable for the full range of RVs including caravans and all types of camper trailers. The format is easy to understand as it is in line with many other secured types of finance. The lender accepts the camper as the security against the loan and the loan is repaid in equal monthly repayments. At Jade, we structure our camper loans to best suit the individual requirements of our customers and to provide a convenient form of finance. That includes having a [fixed caravan financing interest rate](/interest-rates "Discover the Stability of Fixed Interest Rates for Caravan Financing") and fixed loan term which results in fixed repayments. So if you’re heading off for a lengthy off-road adventure, you won’t need to be bothered by worrying about changes in interest rates and having to address your loan. Once the fixed interest rate is locked in with the loan it remains at that rate for the entirety of the loan term. When the RBA increases the cash rate, which is highly likely at some point, a fixed-rate caravan loan secured through Jade remains unchanged. Currently, the RBA has held the cash rate at the historic low of 0.1% so lending rates are extremely attractive. Getting in now to purchase a camper with finance can present a very affordable prospect. How affordable? Click on the link to [Calculate Caravan repayment loans](/loan-calculator "Access a Caravan Loan Repayment Calculator") to find out. Simply enter the price of the camper and the terms you would prefer along with our current cheap interest rate. The estimated repayment amount based on that data will be displayed. To further increase the affordability of your complete camper package, include all the extras and accessories you want at the time of purchase. Toytuf offers a great selection of awnings, tents and other accessories and equipment, especially for the off-road lifestyle. By including these options in your camper order, your Jade consultant can work to include them in your overall loan. Easter is now in everyone’s sights as the next holiday opportunity. So why not enjoy your next getaway in a new Toytuf camper. Speak with us about finance to get the process underway. **To discuss finance on a Toytuf camper contact Jade Caravan Finance at 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.* **Categories:** Caravan Buying Articles --- ### [New Home for Network RV - your new home-on-the-road?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/new-home-for-network-rv-your-new-home-on-the-road) **Published:** February 22, 2022 **Author:** Publisher **Content:** After construction disruptions due to COVID-19, [Network RV](https://networkrv.com.au/ "Visit the Network RV Official Website") has finally completed and moved into its new manufacturing facility in Epping, Victoria. The new space includes office facilities and a factory with an impressive 10,000 square metres. The construction originally commenced way back in early 2021 but the process was halted and shut down completely for a period as COVID-19 raged through Victoria in 2021. The final completion and launch of the new space also come with a rebranding for this highly-respected caravan manufacturer – a new nRV logo now representing the corporate brand. Starting operations in 2014, Network RV manufactures several caravan brands including Victory Caravans, Network RV Caravans and NextGen Caravans. Prior to the completion of this new facility the company operated from multiple factories. Will this new home for Network RV be the site for your new home-on-wheels? We update on the latest from Network RV facilities and caravan models and the current situation in the caravan finance market to assist buyers. ## New Manufacturing Facilities The surge in demand for caravans resulting from the COVID-19 travel restrictions combined with the lockdowns which closed some production for extended periods caused major issues for RV manufacturers over the past few years. The result is extensive delivery delays for customers. Network RV was very transparent and open about the challenges it faced during that time. Posting a statement to customers in 2021 apologising for delays. No doubt the opening of this new facility will assist the company in improving productivity and producing more caravans for eager customers. In a statement announcing the new facility, Joe Markovic, Network RV CEO, said he felt happiness and gratitude and that the success belonged to all involved in the project. He emphasised how this was an amazing achievement during such challenging times and amidst the setbacks. To see exactly what Joe and the team are celebrating, customers can take a video tour of the new factory on the company’s website. ## Your New Home-on-the-Road? Network RV manufactures several brands of caravans so there are plenty of models for prospective buyers to select from. The company ensures that every component and inclusion in their vehicles that it is possible to make in Australia, is made right here in Australia. This includes the chassis, the furniture, awnings and many other inclusions. Network RV clearly states its commitment to being a part of manufacturing in Australia and supporting others in the economy. The company highlights to customers that by buying an Australian-made product, they are acquiring a product with the highest standards of safety and quality in the world. Under the Network RV Caravan brand, the company offers both off-road and touring variations. Both ranges are available in lengths of 17’6” to 24’ with practical configurations and layouts. Bespoke configurations can also be manufactured to suit individual requirements. Victory Caravans is another Network brand and offers several models to suit travellers: Maestro, Chorus and Trophy. [NextGen Caravans ](https://www.nextgencaravans.com.au/ "Explore the Range of NextGen Caravans Here")is also manufactured by Network RV and the range includes models from serious off-road vehicles to stylish cruisers. Plenty of choices to find exactly the RV that will be your home on the road. In addition to manufacturing RVs, Network RV also has a service arm for maintenance, servicing and repairs to caravans and RVs. ## Caravan Finance Check-List and Reminders If you’re eyeing one of the models from the Network RV range, then chances are you’ll also be keeping an eye out for great value caravan finance. Our Jade Caravan Finance consultants can assist you with that aspect of your purchase, with no problems. Here are a few quick points to keep in mind:- - The [Secured Caravan Loan](/secured-caravan-finance "Unlock Affordable Caravan Financing Solutions") is our most versatile and widely-used loan as it suits all new RVs, caravans, campers, etc - We can source no deposit loans which allows the full purchase price and many accessories and options included in the deal, in the overall loan amount. - If browsing the caravan lending market, you will notice that not all banks and finance companies offer a specific title caravan loan. They may include caravans under a general Personal Secured Loan category. - We have accreditation with multiple banks and lenders so we can save you time and hassle by sourcing the cheapest caravan loan that suits your specs from the wide selection on the market. - Our consultants handle the loan negotiations to achieve the cheapest interest rate and the loan terms and conditions that best suit our customers, not just suit a lender. - [Interest rates for Caravan Loans](/interest-rates "Discover Competitive Rates for Financing Your Caravan") across lending markets have been at historic lows since November 2020 but a rise to the official cash rate is looking highly likely at some time this year. Getting in now while caravan finance rates are the cheapest ever, could mean a handy savings. It’s great to see Network RV in their new facility but wouldn’t it be even greater to see you in one of their Australian-made caravans as your new home on the road? Talk to us to assist you in making it happen. **To discuss finance on a Network RV caravan contact Jade Caravan Finance at 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.* **Categories:** Caravan Buying Articles --- ### [Showcase: Road Warrior Campers](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-road-warrior-campers) **Published:** May 22, 2022 **Author:** Publisher **Content:** One of the biggest obstacles to proceeding to purchase a camper and enjoy the outdoors, on the road lifestyle on offer, can be the vehicle required to actually tow the RV. Caravans and camper trailers typically require large vehicles such as large SUVs as the towing vehicle. For those without such a vehicle, entering the market and the lifestyle can mean two purchases – a camper and a suitable tow vehicle. Not any longer. [Road Warrior Campers](https://roadwarriorcampers.com.au/index.asp "Visit the Road Warrior Campers Official Site") solve an obstacle to camper ownership with a camper trailer which can be towed by small SUVs and cars and trike motorcycles**.** Yes, a camper trailer which can be towed by a motorbike! Opening the camper life to motorbike owners and small car owners without the need to upgrade the towing vehicle. We showcase Road Warrior Campers so buyers can get a taste of what the company offers and how we can assist buyers with cheap finance for the purchase. ## Overview: Road Warrior Campers The development of this lightweight and compact camper trailer evolved from a trailer to tow with a motorcycle. The concept has been developed by the company into a camper with a tare weight of 230kg when unloaded and an ATM rate of 600kg, which is suited to towing by SUVs, small cars and trike motorcycles. The Adventurer is the model name and it may be small, but according to the company, it is mighty. It can be deployed quickly and moved around by hand to put an end to the challenges of reversing campers into small spaces. You simply unhitch the Road Warrior Adventurer and then you can push it to the place you want to set-up for the night. Setting up is simple. The stability corner legs are dropped, then lift the platform, the awning is rolled out and you’re set. Lifting the platform is assisted with gas struts. The trailer can carry a range of items including roof tents and kayaks. The Adventurer features a fully powder-coated aluminium body which is welded and riveted. The chassis is a box design and made from aluminium. The Australian-engineered axle is by AL-KO IRS which is renowned as a benchmark in the industry and suited to the tough conditions experienced by Australian camper trailer owners. The side storage boxes and front storage area are generous enough to hold the essentials such as gas bottles, sleeping bags, your BBQ or the ice box. The lids then form a table. Clever! The Road Warrior Adventurer is made in Australia by a company based in Leopold Victoria. They offer a wide range of accessories so buyers can set their adventurers up to perfectly suit their needs and the environment in which they plan to visit, stay and explore. The camper trailer specs are 2.27m in length, 1.57 width with 1.7m in height when roof bars are extended. While it can be towed behind higher capacity motorcycles, owners should check with state regs and manufacturer specs to be sure and within the law. This looks like a great option for motorcyclists, in particular, to get right into the camping scene with ease and affordability. And for small SUVs and car owners, you won’t need a bigger car. With an advertised price tag of $10,500, this could be the option you’ve been wishing for as a camping base. While on affordability, let’s talk finance for a Road Warrior Camper. ## Camper Trailer Finance We provide finance for all types of RVs including camper trailers. Our [Secured Caravan Finance](/secured-caravan-finance "Discover Reliable Financing Solutions for Caravans") is the most popular loan for new models and should suit most Road Warrior Adventurer buyers. - This loan is, as the name suggests, a secured loan format. The camper trailer would be used as security against the loan. - We source this loan with a [fixed caravan loan interest rate](/interest-rates "Explore Stable Interest Rates for Caravan Financing"), which with caravan finance, means the same rate, unchanged, for the full finance term. - The repayments are also fixed. Our consultants work with our customers to source and negotiate the most appropriate loan structure and conditions to suit individual requirements. To obtain a rough estimate of what repayments on a Road Warrior may be, use our Caravan Finance Calculator. This allows you to vary the terms and the loan amount to arrive at a repayment estimate that meets your expectations. Currently, interest rates have started to rise after the [RBA](https://www.rba.gov.au/ "Link to the Reserve Bank of Australia (RBA)") cash rate rise in May. But we adhere strictly to our better interest rate commitment to ensure we deliver cheaper caravan finance. **Contact Jade Caravan Finance on 1300 000 003 to discuss a quote for finance on a Road Warrior Camper.** *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.* **Categories:** Caravan Buying Articles --- ### [Caravan Loans for Buying at Auction](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-loans-for-buying-at-auction) **Published:** July 25, 2022 **Author:** Publisher **Content:** A recent article in the caravan industry media about an upcoming auction of Chinese campers has prompted us to discuss the caravan loans available for those buying RVs at auction. The most popular way for buyers to obtain brand new caravans, campers and RVs is directly from the manufacturer or by ordering through their specified dealer network. Many manufacturers will build to specific customer orders or install the finishes to suit customer preferences. Showroom stock may also be available in dealerships. Second-hand caravans can be obtained through a range of sources including the recognised caravan and camping industry websites and other predominantly online selling platforms. Many of these platforms will have safeguards for buyers, but diligence and care when buying online is always advised. Some online platforms may offer sales by auction while others will offer a fixed price. Auctions through large auction houses are also a source of caravan buys. While traditionally on-site events, most auction houses have now moved to an online business model. This enables buyers from around the world to participate. Leading auction houses include [Grays](https://www.grays.com/caravansmotorhomes/caravans "Explore the Grays Online Marketplace"), [Pickles](https://www.pickles.com.au/Campaigns/national-caravans "Explore the Selection at Pickles Auctions"), and [Lloyds](https://www.lloydsonline.com.au/Default.aspx "Visit Lloyds' Official Website") Auctions. The particular auction we noted, which was a Lloyds event included imported RVs, prototypes and unfinished models. With buyers of new models still facing long delivery times, the RVs available at this auction were expected to fetch very strong pricing. Some apparently, are above the current retail pricing. So would purchasing unfinished and prototype models and paying more than the recommended value pose any considerations in regard to the caravan loan and the insurance? Let’s cover the options available to buyers purchasing caravans at auction. ## Securing Caravan Loans Prior to Auction Prior to attending an auction either online or in person, buyers should be aware of the payment requirements of the auction house. In particular in regard to the fees charged on the final price when payment is required and what payment methods are accepted. Having finance arranged prior to attending the auction can provide confidence and certainty in the bidding process. **For buyers purchasing a caravan at auction pre-approved caravan loans are available on [Secured Caravan Loans](/secured-caravan-finance "Discover Secure Financing Options for Caravans") or [Unsecured Personal Loans](/unsecured-personal-loans "Explore Flexible Funding Solutions with Unsecured Personal Loans").** Which of these loan types is most suited will depend on a number of aspects, in particular, the caravan itself – whether brand new or used. With a Secured Caravan Loan, the caravan is accepted as the security against the finance. Where the RV is not considered suitable security, buyers can consider an Unsecured Personal Loan. Lenders will have their own guidelines around accepting vehicles as security. When applying for pre-approved finance, buyers will need to provide details of the RV that they are considering purchasing so your Jade consultant can confirm with our lender whether or not that vehicle is suitable for loan security. Also, advise that you intend to purchase at auction so we can ensure the appropriate processes are in place for quick settlement with the auction house. As the final purchase price is not always known prior to the auction, buyers can estimate the loan amount for the purposes of securing pre-approved finance. Remember to include the auction fees and charges and any possible costs that may be incurred in taking delivery if unable to do so yourself. Pre-approved loans are applied for in advance of a purchase. Your Jade consultant sources the cheapest quote from across our lender panel and on your acceptance of that quote, the loan proceeds through the approvals process. A time limit is placed on the loan offer. The loan must be taken up before the expiry time. There is no obligation to proceed. So if you are not the successful bidder at auction, no problems. The loan offer will simply expire according to the loan conditions. ## Interest Rate and Loan Variations There are no differences in regard to the interest rates on pre-approved loans compared with loans that are sourced after a purchase. The interest rate is based primarily on the credit profile and other aspects of the application. There are however differences in the interest rate and other loan conditions between a Secured Caravan Loan and an Unsecured Personal Loan. Unsecured loans tend to attract a higher interest rate than secured loans. In both instances, we can arrange loans at fixed interest rates. But Unsecured Personal Loans can be arranged at either a fixed or a variable rate. If considering the purchase of an unfinished or prototype caravan which may not be accepted as security against finance, buyers may choose to request a number of loan quotes. One for a brand new vehicle for a Secured Caravan Loan and other quotes for used or unfinished vehicles with an Unsecured Personal Loan. The loan quotes may assist with the purchasing decisions. Auctions can be great sources of good priced caravans. Being well-prepared with pre-approved caravan finance may assist buyers in securing the vehicle of their choice. **Contact Jade Caravan Finance on 1300 000 003 to discuss pre-approved caravan finance for auction purchases.** *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.* **Categories:** Caravan Buying Articles --- ### [Trend-setters - design award-winning RVs, clever caravan finance](https://www.jadecaravanfinance.com.au/blog/caravan-articles/trend-setters-design-award-winning-rvs-clever-caravan-finance) **Published:** September 26, 2022 **Author:** Publisher **Content:** Staying ahead of the crowd by early adoption of innovative, smart and clever designs, concepts and ideas can pay dividends. When purchasing a new RV that can include considering award-winning designs and engaging professionals to sourcing and customise the caravan finance. The award-winning designed RVs may enhance the travel experience while using our broker-style RV finance services can save money, time and hassle. As inspiration for buyers, we showcase the latest RV winners of design awards and explain how we deliver benefits to buyers with our specialist, broker-style RV finance services. **Trend-setting buyers looking to purchase design award-winning caravans and campers can make the clever choice to source finance through Jade Caravan Finance.** ## Design Award-Winning RVs Two Australian-designed RVs have been acknowledged with awards in this year’s annual [Good Design Awards](https://good-design.org/good-design-awards/ "Link to the Excellence Recognized by the Good Design Awards"). The Australian Good Design Awards have been running since 1959 to promote excellence in innovation and design. The Awards celebrate the best in a number of areas including design, engineering, architecture, fashion, social impact and research. Entries in the Awards represent a broad range of industry sectors and products. From those products used on a daily basis to services, processes and systems. In the RV sector, the previous winner of these prestigious awards was the Track Trailer T4, the Bolwell Air and the Opus Air camper. The 2022 Awards recognised over 200 services and products across 11 disciplines and 30 categories with over 900 entries judged by more than 70 judges. The RV winners for 2022 are the Harvok all-steel constructed caravan and the composite camper from Kerfton. We showcased [Harvok ](https://www.harvok.com.au/ "Click here to explore Harvok's offerings")in an earlier article, highlighting the company’s monocoque construction. Harvok won the award for their innovative, ‘Suit of Armour’ caravan in versions for families and couples. This was designed by the company’s CEO, based in Melbourne, Ben Liu with the range launched earlier this year. The company has an innovative approach to many aspects of caravan construction including the monocoque all-steel process, their all-electric models and their patented power management system. The business was founded in China by an Australian who was seeking to focus on developing revolutionary designed and manufactured caravans. The Australian HQ is in Melbourne. The current line-up of models includes the Powerbank range and the Suit of Armour caravans plus their Camper Hub campers. [Kerfton](https://www.kerfton.com/ "Visit Kerfton's website for more information") received their Gold Winner Good Design Award for the Fouray – a 4 berth camper trailer. The Fouray is a design by the Australian trio Barry Trippit, Owen Brown and Raul Gonzalez Podesta. The style and design of this camper are truly stunning and matched with functionality. The company describes the design as bringing a ‘new level of form and finish’ to the industry. The design has auto styling and complements the look of the towing vehicle. With this camper trailer, it’s not just about the look. It’s a rugged off-road camper trailer. Set it up and you have a luxurious internal living space and a clever, functional cooking arrangement. The tent section of the camper trailer doesn’t need to be erected in order to access the kitchen. Great for those meals en route to the overnight site. Congratulations to Kerfton and Harvok for being recognised with these gongs and for delivering innovative, clever designs to the Australian caravan and RV industry. ## Clever Caravan Finance While our broker-style lender service is not a new, innovative concept, our services can be a very clever way for RV buyers to source cheaper caravan finance. Something that smart caravan buyers are increasingly discovering. A better way to source caravan finance than how many traditionally sought finance and loans. A long-standing approach to sourcing loans and finance for many purposes has been to DIY. Contact the bank and expect customer loyalty to deliver a great loan offer. Finance brokers were seen by many as a service only for businesses and large-scale acquisitions and finance deals. That may still be true for some brokers but not for Jade Caravan Finance. We provide broker-style lender services to individuals to source cheaper finance for the purchase of all types of caravans and RVs. Clever buyers appreciate the benefits of the time saved in sourcing finance by having their Jade consultant handle the process. They also appreciate the advantage of having more choices of lenders by just contacting us. Our multiple accreditations with banks and finance companies allow us to source the [cheapest loan interest rates for caravans](/interest-rates "Discover the Most Affordable Caravan Loan Interest Rates Here"). Our standing in the sector, approach to sourcing finance and negotiating expertise enable us to customise the loan to suit specific customer requirements. It’s a clever way to approach sourcing caravan finance which saves time and hassle while delivering cheaper rates and more individualised loans. To get started, use our [loan calculator for caravans](/loan-calculator "Access a Caravan Financing Calculator") to work up rough repayment estimates on an award-winning Harvok or a Kerfton RV. Or just apply online or over the phone for a quote. **Contact Jade Caravan Finance at 1300 000 003 for clever caravan finance** *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.* **Categories:** Caravan Buying Articles --- ### [RV Safe on the Road, Vehicle Safety and Your Caravan Loan](https://www.jadecaravanfinance.com.au/blog/caravan-articles/rv-safe-on-the-road-vehicle-safety-and-your-caravan-loan) **Published:** September 26, 2022 **Author:** Publisher **Content:** Did you know that in NSW alone from 2014-2018 there were 239 road crashes that involved a vehicle that was towing a caravan, with 120 serious injuries and sadly 12 fatalities? One of the RV industry groups through Federal Government funding, has developed educational resources to increase road safety awareness in the RV sector. **The RV Safe initiative covers many areas of road safety especially towing and is suitable for new owners and as refreshers for not-so new caravan owners**. Owning and towing a caravan comes with a level of responsibility around safety for the owner and occupants as well as other road users. Safety is a high priority that applies not only while travelling but in setting up the vehicle correctly for safe operation. We provide information on the RV Safe resources available and how we may be able to assist buyers of new caravans to ensure their vehicle is set-up for safety from the get-go. ## RV Safe Project The [RV Safe project](https://rvsafe.com.au/ "Discover the RV Security Initiative") is supported by the Campervan and Motorhome Club of Australia ([CMCA](https://www.cmca.net.au/ "Visit the Caravan and Motorhome Club of Australia (CMCA)")) and is made possible through funding from the Road Safety Awareness and Enablers Fund from the Federal Government. The CMCA is the largest club for RV owners in Australia and has in excess of 70,000 members. The Club provides a wide range of member benefits, resources and support for those who love the RV lifestyle. The RV Safe project has been designed and developed for owners and drivers of all the different RV types. The key objective is to provide educational resources to make life on the road safer. The resources available cover a range of topics including towing, overtaking safely, speed, rest, UHF communications, roadside issues, licensing and others. To make the resources easily accessible and digested, the initiative now offers a video via YouTube. There are currently 17 programs in the series, short videos that contain a lot of educational information about safety on the road. Topics covered include how to use towing mirrors, reversing a caravan, swaying trailers, understanding towing weights and the very important issue of overtaking. Further videos are planned. In addition to the videos, the RV Safe website includes a range of articles on these topics with clear advice and instructions. With the recent surge in caravan ownership, the project is very much aimed at those new owners and ensuring they are well-prepared to take on travelling with their new RV. But even die-hards can sometimes do with refreshers and reminders. Especially when planning to travel to new locales and on terrain not previously encountered. With the busy Christmas and summer holiday season just months away, now could be the ideal time to brush up on your knowledge and skills around towing and operating your RV on the road. For new buyers, check with state road departments regarding the licensing requirements and ensure your vehicle is suitable to tow the vehicle you intend to purchase. For those who would like to build their confidence and skills, take advantage of the courses available through training organisations. ## RV Safety and Your Caravan Loan While the RV Safe project focuses on road safety, we thought it appropriate to include some other aspects of RV safety and its relevance to caravan finance. Both in setting up the vehicle and definitions of different loan types. One query that some new to finance may have is around the ‘safety’ interpretation of a [Secured Caravan Loan](/secured-caravan-finance "Explore Reliable Financing Options for your Caravan") and an [Unsecured Personal Loan](/unsecured-personal-loans "Discover Flexible Funding Solutions with Unsecured Personal Loans"). The definition of the words ‘safety’ and ‘security’ in general terms can be associated. Implying in some way that a secured loan is ‘safe’ while an unsecured loan is not ‘safe’. That is not the correct definition of these terms, we explain to clarify and ensure customers understand the loans they are applying for. In finance, the term ‘security’ refers to the guarantee against the funds being borrowed. The caravan is accepted as the security on the finance for the lender. The lender has the assurance that should the borrower defaults on the loan, they can take possession of the caravan and sell it to recoup the monies owed. An unsecured loan means that the goods being purchased with the finance are not used as a guarantee or security for the finance. Either the RV is not available for security or is not accepted as suitable security. With some applications, some other form of security may be requested. Loan holders do have the assurance offered by our fixed interest rates and fixed loan terms that their fixed monthly repayments will remain unchanged when interest rates in general vary. Other safety aspects of caravan ownership can involve the caravan loan. These include setting up the RV safely. Equipment required to ensure the caravan meets and/or exceeds regulatory requirements and general personal responsibilities may need to be purchased in addition to what is included in the purchase model and price. This is an area where we may be able to assist new caravan buyers. When ordered from the same dealer and purchased at the same time as the RV, Jade Caravan Finance may be able to include the costs in the caravan loan. Possible safety equipment and accessories that this may cover include:- - Extra fire extinguishers. - Upgraded suspension and tyres to facilitate safer travel in certain rougher terrain. - Security systems to protect the RV and contents while owners are out and about and when the vehicle is parked up and not in use. - Protection for the exterior while in storage. - Additional water tanks to ensure sufficient supply while in free campsites and remote locations. - Solar power systems and upgrades to provide continuous power and sustainability to ensure appliances and especially communications are available. We address all loan applications on an individual basis with all quotes sourced and negotiated to best suit individual requirements. Before purchasing your new caravan, speak with us about the options and possibilities and cover off on safety from all angles. **Contact Jade Caravan Finance on 1300 000 003 to discuss your individual caravan loan requirements** *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.* **Categories:** Caravan Buying Articles --- ### [RBA Rate Hike: Reasons & Outlook](https://www.jadecaravanfinance.com.au/blog/caravan-articles/rba-rate-hike-reasons-outlook) **Published:** October 2, 2022 **Author:** Publisher **Content:** The August meeting of the Reserve Bank of Australia (RBA) Board delivered yet another rate increase for Australians. The latest RBA rate hike takes the cash rate to 1.85% which is a major increase from the record historic low rate of 0.1% which was the setting just a few months earlier. The latest rate hike came as no real surprise to both the lending market and the general public. The RBA had indicated in its July statement that more rises would be needed to control soaring inflation. Adding to the level of expectation was the July release of both the employment data for June and the quarterly inflation figures. Released by the [ABS](https://www.abs.gov.au "Explore Asset-Backed Securities (ABS) Insights Here") both sets of data revealed changes that were key to RBA rises. Unemployment dropped dramatically to 3.5% and inflation rose dramatically to 6.1%. The rate rise decision by the RBA will lead to increases in interest rates across sectors including RV finance. To place the latest rate hike in context, we have summarised the key take-outs from Governor Lowe’s August Board statement. ## August RBA Statement For anyone considering taking on finance, reviewing the monthly RBA Board meeting statement can be extremely helpful in planning. The details include the Bank’s overview of the current situation and its outlook and forecasts which will form future rate decisions. The [statement issued](https://www.rba.gov.au/media-releases/2022/mr-22-21.html "Read the Official Announcement Released") on 2 August includes some insightful information that is worth digesting. Information you need to know includes:- - The RBA made the decision to increase the cash rate by 0.5% at its August meeting. - This now means rate rises have been implemented after the past 4 RBA Board meetings. - The cash rate has been lifted from the April level of 0.1% which had been held for over 20 months to the August level of 1.85%. A significant rise in a relatively short period. - In making the August decision, the Board confirmed its priority of achieving a return of the 2-3% inflation target level. Inflation currently sits at 6.1%. - The Board notes however that this target would be pursued while still maintaining a good balance and position for the economy. Governor Lowe noted that there was only a narrow or fine path available to achieve this balance. - A number of uncertainties around the economy were detailed. These included global issues and factors as well as issues specific to the Australian economy. - Globally, the Bank sees the Ukraine situation, high global inflation, many countries tightening their monetary settings through rate rises, supply chain issues and the approach by China to their COVID outbreak as notable impacts on Australia’s situation. - Inflation is at the highest it has been since the 1990s. - The domestic impacts on inflation include the flood effects on prices for food and a combination of other issues as the economy comes out of the restrictive COVID period and into recovery mode. - These issues include the very strong level of demand in the economy. This however is countered by supply side constraints being caused by the tight labour situation with unemployment at a very low 3.5%. This is creating problems for businesses in constraining their ability to achieve full capacity. In turn, this causes supply issues which cannot meet demand and are driving up prices. - Inflation is expected by the RBA in 2022 to reach 7.75%. In 2023 the Bank expects inflation to be just above 4% before falling in 2024 to closer to its 2-3% target range. - Economic growth is expected to be lower in pace but strong. 3.25% for this year and 1.75% for the following two years. - Unemployment levels are expected to fall even further than the low currently of 3.5%. - Domestically, uncertainty is seen around the behaviour and spending patterns in the consumer market. Price hikes and inflation are impacting household budgets and a drop has been recorded in the confidence of consumers. On the positive side, however, jobs are clearly being found as is shown by the unemployment data and extra hours of work appear to be being obtained. This is adding to income levels. In closing, Governor Lowe points out that the data that will be incoming over time will be closely watched by the Board and future decisions around rate rises will be guided by the data. A clear indication that additional rate rises are ahead is given. ## RV Finance Effects Following RBA rate rises, lenders increase their interest rates. So it will be expected that [interest rates on caravan finance](/interest-rates "Explore Caravan Financing Interest Rate Details") will see rises. As rates vary across the lender market, so will the rate increases. Securing a fixed interest rate caravan loan such as our [Secured Caravan Loan](/secured-caravan-finance "Unlock Affordable Financing with a Secured Caravan Loan") can ensure buyers that their loan rate and repayments would not be subject to future rate rises during the finance term. **On the back of the latest RBA rate hike RV buyers can utilise specialist lender services from Jade Caravan Finance to source the cheapest interest rate loans**. **Contact Jade Caravan Finance on 1300 000 003 for further information and quotes on securing a fixed interest rate caravan loan at better interest rates.** *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.* **Categories:** Caravan Buying Articles --- ### [Caravan Finance Changes Due to Rate Rise](https://www.jadecaravanfinance.com.au/blog/caravan-articles/caravan-finance-changes-due-to-rate-rise) **Published:** October 2, 2022 **Author:** Publisher **Content:** We’ve now seen the RBA Board increase the cash rate for four months consecutively. In its August statement and in those prior, the Board strongly indicates that further rises will be in order to return inflation to the range of target settings. For those planning the purchase of a new RV with caravan finance, questions will likely arise around what changes to current and new loans will these rate rises impact. Doubt may also exist around how if at all, cheaper rates can still be achieved on caravan loans. The latest [0.5% rate rise](https://www.rba.gov.au/media-releases/2022/mr-22-21.html "Explore the Implications of a 0.5% Interest Rate Increase") announced in August has hiked the cash rate to 1.85% over the past four months. A significant increase from the historic 0.1% low that was enjoyed by loan seekers for quite a long time in 2020 and 2021. Further rate rises have been indicated by the RBA which will be guided by data around employment and the [inflation figures](https://www.abs.gov.au/media-centre/media-releases/cpi-rose-18-june-2022-quarter "Discover the latest Data on Consumer Price Trends") which were recently reported at exceptional levels. **Changes in caravan finance interest rates will result from RBA rate rises but buyers may source better interest rate caravan loans through Jade Caravan Finance.** We outline what changes may occur to caravan loans as a result of these cash rate decisions, what aspects of caravan finance will remain unchanged and how cheaper rates may still be achieved. ## Unchanged Caravan Finance Aspects The general structure of the most popular caravan loan, the [Secured Caravan Loan](/secured-caravan-finance "Explore Your Options for Collateralised Caravan Financing") remains unchanged as a result of rate changes. The features and conditions of the loan will not alter. The same application form and assessment process will be undertaken when quoting and approving loan applications. However, it is worth noting that there are differences in the types of loans for caravan purchases available through different lenders. Not all will offer a specifically named ‘caravan loan’ but will include RV finance under a more generic ‘personal secured loan’ category. These differences can include the type of interest rate that applies to that loan and that is a factor that should be looked into. While we offer a fixed interest rate, some lenders will offer a variable interest rate caravan loan. This is significant in the light of rate rises as variable rate loans are subject to change with rate changes. Reviewing the different types of loans from some lenders highlights this point. Another unchanged aspect will be to existing caravan finance that has a fixed interest rate. A fixed interest rate consumer loan typically has that rate fixed for the entire period of the loan. When the RBA moves on rates, existing fixed-rate loans should not be impacted. Many caravan buyers have been applying for pre-approved caravan finance. These have been extremely popular in the recent short-supply situation. Pre-approved loans are also extremely useful when planning to order at a caravan show. Having the finances approved and confirmed prior to inspecting the vans can clarify budgets and narrow down the wish list. It can also enable buyers to act quickly to place orders when supply is limited. Those with existing pre-approved loans with firm quotes should not typically see any changes to the offer IF the loan is acted on prior to the expiration time. If however the loan is not processed before expiry, changes to the rate and quote may occur. After a pre-approved loan offer expires, it would be re-quoted if required at a later stage. ## Changed Caravan Finance Aspects The major change to caravan loans as a result of RBA rate rises will be to the interest rates. The lending market in general reacts to these RBA decisions by adjusting their rates according to their individual requirements. Interest rates on [caravan loans](/ "Learn About Financing Solutions for Your Travel Trailer") do vary across the lender market. This is due to a range of reasons including the lender’s exposure to the market, interest in financing the sector, source of funding, costs of operations and general operational directives. As a result of the current economic conditions where RBA rate rises have been expected, some lenders have increased rates prior to the monthly RBA Board announcements. The amount that a lender will increase their caravan loan rates will be an individual decision. Only the rate rise may be passed onto consumers or a larger increase may occur. Some lenders may increase rates to a higher amount in one month to cover off on expected future increases and then hold off making further adjustments. Whatever the policy of lenders, what is generally universal is that the lowest interest rate on caravan loans that a lender will advertise applies typically for good credit score applicants and for new RVs. The current changing rate scenario has created a more complex situation. A situation where buyers seeking the lowest interest rate caravan loans may need to do more homework to find that elusive cheapest rate. Alternatively, they can save time and hassle and simply use our services. Owners with existing variable rate loans may see an increase in their rate and their caravan loan repayments as a result of RBA decisions. ## Achieving Cheaper Interest Rates With many banks and lenders in our lending panel, Jade Caravan Finance remains ideally placed to source [better caravan loan interest rates](/interest-rates "Discover Competitive Rates for Your Caravan Financing Needs") for our customers. The greater choice allows us to immediately identify which particular lender is offering the best rate to suit that particular customer’s profile. In addition, our industry knowledge provides us with information on lender rate movements, often prior to new rates being advertised. As further rate rises are anticipated for September, buyers are encouraged to fast-track purchases with finance wherever possible to capture cheaper rates prior to the next rise. **Contact Jade Caravan Finance on 1300 000 003 to source the cheapest interest rate caravan loan.** *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.* **Categories:** Caravan Buying Articles --- ### [Milestone for New Age Caravans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/milestone-for-new-age-caravans) **Published:** October 2, 2022 **Author:** Publisher **Content:** The extremely popular caravan manufacturer [New Age Caravans](https://newagecaravans.com.au/ "Official Site of New Age Caravans") is celebrating a major milestone this month. The manufacture of its 20,000th caravan chassis. This is engineered, validated and designed by the highly-regarded Walkinshaw Group which purchased New Age Caravans in 2016. This is a very special milestone for New Age and Walkinshaw as that 20,000 chassis rolled off their production line. The production at New Age had been ramping up considerably over the past few months as the entire workforce returned to work following the impacts faced during the peak of the COVID-19 pandemic. This ramp up has allowed the operation to reach this significant target at its facility located in Epping Victoria. The company manufactures at its Melbourne facility and sells through an Australia-wide dealer network. The popularity of the brand has New Age producing in excess of 2000 of its great caravans every year. The milestone chassis is destined for one of the company’s Manta Ray pop top designs, a 16ft. The company sees it as fitting that this milestone chassis will be proudly installed on one of the models from its original ranges. A range that has been a staple for the New Age but has evolved since introduced in 2010. Chris Polites, the Managing Director of New Age Caravans said the company was extremely proud of this significant achievement and it represented a celebration for local Australian manufacturing. He said the company looked forward to handing over the 20,000 chassis caravan to the Melbourne dealership customer when completed later in the year. ## The Journey to 20,000 New Age first started out in 2004 as New Age Frames and Designs before becoming the current entity in 2008. Over the ensuing years, it has developed and manufactured in excess of 70 RV models. The company employs 300 locals and is regarded as one of Australia’s great high-end caravan manufacturers. The company is known for its superior standard of framing and for its level of CNC fabricated componentry from its state-of-the-art facility. In 2016 the company was purchased by [The Walkinshaw Group](https://www.walkinshawgroup.com/ "Find out more about the Walkinshaw group company"). The Walkinshaw Group is involved in manufacturing, has a partnership with the VW Amarok ute, motor racing, is an affiliate of GM and is especially renowned for its engineering expertise. ## New Road Owl One of the key models in the New Age Caravans range is the Road Owl. This particular range was first developed by New Age to facilitate style and comfort in caravan travel at a very affordable price tag. The latest model in the range, the MY22 takes those aspects to the next level. The entire Road Owl range of caravans has received a redesign, which reflects the exciting new signature look. This includes smooth real wall panelling in aluminium composite; a unique design for the rear mould which has a housing for the spare wheel which is recessed; and a front-end restyle with new striking graphics. The result is outstanding with the Road Owl achieving a new and superior level of sophistication and streamlined lines. Inside, the new features include a Holland style blind for the door and an upgrade to the edge banding for the partitions and for the cabinets. The dining seats have been redesigned and now feature greater depth for the cushions and support for the lumbar region to increase comfort. The kitchen has also received attention with a new surround for the microwave which is designed for increased safety and security during travel, even on those bumpier roads. Buyers will also find new reading lights, USB ports and many other inclusions to further elevate the level of comfort and style in the Road Owl. Buyers have the choice of Adventurer or Comfort Pack when ordering their new Road Owl. ## Finance for a New Age Caravan **As New Age Caravans celebrates the production of its 20,000 chassis buyers seeking to purchase a new model can source cheap finance through Jade Caravan Finance.** Caravans are built and purchased for leisure and enjoyment and that should start as soon as the decision is made to purchase a new caravan. Our consultants ensure our customers receive a streamlined, hassle-free experience when sourcing caravan finance through [Jade Caravan Finance](/why-jade-caravan-loans "Access Information on Jade Caravan Financing Services"). We handle the quote sourcing, selecting the lender that best suits the application and will offer the cheapest interest rate and we negotiate on behalf of customers for the most suitable finance conditions. We add to the on-the-road enjoyment by ensuring our [Secured Caravan Loan](/secured-caravan-finance "Learn About Collateral-Backed Caravan Loans") has a fixed interest rate. This ensures our customers that their interest rate won’t change when the RBA makes changes to the cash rate and lenders follow with rate adjustments. A fixed-rate and fixed term mean fixed repayments. And that means, travel time without the worry over the caravan finance. For a quote on finance for a New Age model, just contact us or apply for a loan online. **Contact Jade Caravan Finance at 1300 000 003 for cost-effective finance on New Age Caravans** *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.* **Categories:** Caravan Buying Articles --- ### [Countdown to holiday and travel season: time to secure your RV with affordable Caravan Finance](https://www.jadecaravanfinance.com.au/blog/caravan-articles/countdown-to-holiday-and-travel-season-time-to-secure-your-rv-with-affordable-caravan-finance) **Published:** October 2, 2022 **Author:** Publisher **Content:** While caravanning is a year-round activity and a great way to travel, the peak season for caravan holidays is definitely summer and school holidays. With the September school holidays approaching and the sprint-summer seasons gradually nudging winter out of the way, thoughts should be turning to caravan time. That may involve purchasing a new or the first RV which may require caravan finance. The weather is definitely set to warm up in coming weeks and the demand for new caravans is likely to heat up as well. For those purchasing a new caravan or RV and requiring caravan finance, a range of decisions need to be made around the type of RV and the caravan loan. Caravan owners who are upgrading will likely have set ideas already around what they are looking for in the newer RV. Experience will have told them what they need and they want. First-time RV buyers on the other hand may require assistance or direction when it comes to exactly which RV will suit their holiday and travel plans. Many prospective buyers will have flocked to recent caravan shows to take advantage of the opportunity to see many makes and models in person in one place. But then it comes down to assessing the options and making that final all-important buying decision. When it comes to caravan finance, many buyers may require assistance in sourcing the cheapest interest rate loan and the finance with terms and conditions that work for them. We provide some guidance for all types of buyers with a range of aspects for consideration around the choice of RV and specific information on sourcing the cheapest caravan finance. ## Selecting a New RV A lot of input will go into making that decision around which particular make, model and type of RV to purchase. Here’s a few pointers to keep in mind:- - Type of RV – traditional caravan, camper trailer, motorhome, campervan, pop top, slide on or toy hauler. - Destinations – do you require fully off-road, partial off-road, hybrid or standard. - Length of travel which may frame the level of comfort required, storage capacity and other inclusions. - Number of people required to accommodate – this will determine the number of beds and the floor plan. - Toys and sporting equipment that needs to be brought along – toy haulers are great for taking bikes, canoes, kayaks, dive gear and other bulky items. - Towing vehicle – does your current vehicle have the towing capacity for the RV being considered? Some models can be towed by a standard passenger car while others require a much larger vehicle. - Towing skills – large models are heavier and that can present challenges when towing. Avoid accidents by staying within your personal capabilities. - New caravan or a used model. - Local Australian manufactured or imported brand. - Price! Usually a key determinant for buyers. If unsure where your decision process is going, refer to some of the expert caravan travel websites for reviews and advice. There are many aficionados, owners and specialists that share their experiences. Before making a final decision, check the transport department in your state for [regulations around caravans](https://www.nsw.gov.au/driving-boating-and-transport/roads-safety-and-rules/vehicle-safety-and-compliance/towing-a-caravan "Regulations around caravans"). These cover towing rules, licence requirements and other aspects and are worth reviewing. Check with the caravan industry bodies about manufacturing regulations which are currently in the process of review. The industry association also lists [manufacturers that are accredited with the association](https://www.caravanindustry.com.au/accreditation/industry-supplier/accredited-suppliers/). Consider what safety equipment may be required and what extras you may like such as awnings, extra storage, upgrade packs and other add-ons. Your Jade consultant may be in a position to include extras and accessories in your loan. ## Caravan Finance Options Loans to purchase caravans and RVs are available through a range of sources but not all are created equal! Banks, finance companies, manufacturers, dealers and specialist broker-style lenders like Jade Caravan Finance all offer caravan finance. Differences, however, can exist in the interest rate charged on the loan; the type of interest rate; conditions around the loan and the ease of application and settlement. Some lenders that operate across multiple lending markets may not offer a specific caravan loan but a general leisure goods loan. We see our offer of a specifically structured and named Secured RV Financing as evidence of our commitment to the sector, our expertise in the area and our interest in assisting our customers to secure cost-effective finance. Used caravans may attract a higher interest rate than new caravans. Use our [quick caravan loan calculator](/loan-calculator "Use the Speedy Caravan Loan Calculator") if comparing both. Our clear points of specialist differentiation continue when it comes to interest rates. Rates are rising as the [RBA](https://www.rba.gov.au "Click here to go to the RBA's Website") increases the cash rate in light of soaring inflation. But we continue to maintain our edge in the market with our [better Caravan interest rates](/interest-rates "Caravan Loan Interest Rate Advantages"). While checking out interest rates, also note whether the lender is offering a fixed or a variable rate. We focus on fixed rates. Opting for a variable rate leaves the rate and repayments susceptible to rises in line with market fluctuations and more rises are tipped for this year. So that’s a snapshot to get buyers thinking in the right direction when it comes to RV selection and finance sourcing. For more detailed information specific to your requirements give us a call and have an obligation-free conversation with one of our consultants. **Contact Jade Caravan Finance on 1300 000 003 to discuss cheaper interest rate caravan finance.** *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.* **Categories:** Caravan Buying Articles --- ### [Enthusiastic for New Verve Hybrid from Pioneer? Find out what caravan loan suits hybrids?](https://www.jadecaravanfinance.com.au/blog/caravan-articles/enthusiastic-for-new-verve-hybrid-from-pioneer-find-out-what-caravan-loan-suits-hybrids) **Published:** October 2, 2022 **Author:** Publisher **Content:** Pioneer Campers has released a new hybrid off-road caravan, the Verve, to add to its existing models. Hybrid caravans and campers offer great benefits for the adventurous traveller looking to truly immerse in the off-road experience. But **for those considering purchasing a hybrid model with finance, uncertainty may exist around what caravan loan is available and will best suit that type of RV**. To add to your enthusiasm for Pioneer’s new model, we provide the good news about securing cheap finance for hybrid caravans and campers. ## Hybrid Caravan Finance If you’re browsing lender websites searching for information on their caravan loan, you may find it a challenge in some instances. Not all banks and finance companies are as specialised in the RV sector as Jade Caravan Finance. They may only offer a generic secured loan which is their loan product to finance a wide range of recreational purchases such as boats, caravans and similar goods. As specialists in the RV finance sector, we do offer caravan finance that is structured to suit the requirements of RV buyers. This is your assurance that we understand the sector and are genuinely interested in assisting buyers to achieve the cheapest finance to acquire the RV of their dreams. We provide finance for the purchase of new hybrid caravans with our [Secured Caravan Loan](/secured-caravan-finance "Find out more about secured loan options for caravans"). This is a versatile loan product that is suited to finance for all types of new RVs including traditional caravans, campers, camper trailers, off-road caravans, toy haulers, mobile homes, campervans and of course hybrid caravans. The RV is used as the security for the loan. For most buyers, no additional security such as other assets or property would be requested as part of the loan requirements. We arrange this type of loan with a fixed interest rate. This means that the interest rate which is secured at the time the loan is finalised will remain for the entire period of the finance. Not all lenders offer fixed-rate loans for caravans. Some will offer a [variable caravan loan rate](/interest-rates "Get Started with Variable Caravan Loan Rates"). If considering a variable rate caravan loan, buyers should be aware that a variable rate is subject to change when that lender raises or lowers their interest rates. This typically occurs when the [RBA](https://www.rba.gov.au "RBA's Online Information Hub") changes the cash rate. The RBA has increased the cash rate over the past four months and this has resulted in increases in lending rates. A fixed-rate hybrid caravan loan with Jade Caravan Finance provides peace of mind for buyers that their rate, term and monthly loan repayments will remain unchanged over the full term of the loan. As we are accredited with many banks and lenders, we have the capability and resources to source the cheapest interest rate loan from across a vast selection. Our guarantee to customers that we have sourced the cheapest loan that meets their requirements. No deposit finance is available on our caravan loans. This is subject to lender approval of course as all applications are assessed on an individual basis. This assessment includes consideration of the credit profile and financial details as required in the loan application form. Now you know that cheap hybrid caravan finance is available, let’s take a look at what the new hybrid model from Pioneer Campers has to offer. ## Reasons to be Enthusiast for Pioneer’s New Verve The new [Verve hybrid off-road caravan](https://pioneercampers.com.au/verve-hybrid/ "Learn About the Verve Hybrid Caravan Model") from Pioneer is a 16’8” model with full height and plenty of great inclusions:- - A six-person dinette with a table that swings away. - Queen bed with pocket springs. - An external kitchen which slides out. - Handy storage under the dinette seats. - Large, tinted window with screens for protection against pesky insects and for privacy. - Construction with sheet metal wall and roof. - The full height allows for quick set-up and easier access for those regular stops for a quick cuppa. - Double skin doors to enable easier access to the external storage compartments. - Custom-designed chassis. - Trakmaster Trak Two independent trailing arm coil suspension. - Hot-dipped galvanised chassis which is the high standard when it comes to protection from corrosion. - Two freshwater tanks – 150L and 100L and 50L grey water. - Ensuite with shower and a cassette toilet. - Solar panels lithium batteries and inverter. Plus plenty of style and the ruggedness that you expect in an off-road vehicle. The Verve is another impressive addition to the existing Pioneer range. If you’re enthusiastic about a Verve or any of the other Pioneer models, use our [Caravan Finance Calculator](/calculator "Caravan Finance Payment Estimator") to work up possible loan repayments or contact us for a pre-approved model prior to placing your order. **Contact Jade Caravan Finance at 1300 000 003 for cost-effective finance on a new Pioneer hybrid caravan.** *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.* **Categories:** Caravan Buying Articles --- ### [Covering those accessories, upgrade packs and options in your caravan finance](https://www.jadecaravanfinance.com.au/blog/caravan-articles/covering-those-accessories-upgrade-packs-and-options-in-your-caravan-finance) **Published:** October 2, 2022 **Author:** Publisher **Content:** Many new caravans are built to order. This allows buyers to customize their RV to suit their specific holiday or travel style. So when ordering a new caravan directly from a dealer or manufacturer, buyers are typically presented with a wide range of options to select from. This can be a great way to ensure your vehicle is style and equipped to suit your needs. But when it comes to paying for extras, options, accessories, and upgrade packs, many buyers may be wondering how to work the cost with their caravan finance. The cost of the extras or upgrades may amount to a significant cost, depending on what particular enhancements or next level quality and luxury are required. By including the cost of any upgrade packs, accessories, **and extras in the caravan finance, RV buyers can conserve existing funds for their travel plans.** Sound like a great way to go? By engaging the broker-style services of Jade Caravan Finance, buyers can have the option of including extras in their caravan loan, in most cases and depending on certain conditions. We explore and explain how we may be able to make this happen for your new caravan purchase and what issues should be considered. ## Making it Happen First we’ll explain how our services can benefit caravan buyers. As a broker-style lender, we provide a very individual and personalized caravan finance service. Every customer’s request for finance is handled individually with tailored loans sourced and structured. This personalized service allows our consultants to structure the loan, including what is and is not included in the loan amount, to meet the requirements of the customer. Some lenders will have set guidelines around their loan inclusions and many banks and some large finance companies don’t have the flexibility, due to their own structures, to vary loan conditions. At Jade, we have accreditation with many lenders covering a vast spectrum of the recreational vehicle finance market. These include the major banks and finance companies but also non-bank lenders that can tend to be far more flexible and negotiable when it comes to varying loan conditions. This allows us to negotiate with lenders on including many of the extras that caravan buyers tend to want to set up their RV to meet their requirements. In line with that preference, Jade Caravan Finance sources and arranges finance to meet our customer requirements. ## Loan Type and Timing Our [Secured Caravan Loan](/secured-caravan-finance "Explore Secure Caravan Loan Programs") is a versatile finance product that is suited to all types of new caravans and will meet the requirements of most buyers. This format loan allows for the caravan to be used as the finance security with, in the majority of applications, no additional guarantees required. Each application is assessed individually and the interest rate offered and total loan amount approved based on the credit score and other aspects of the application – financials, etc. Individual lenders will have their own guidelines around the amount they will approve for different loans and for individual applicants. Applicants can improve their prospects of being offered the cheapest interest rate and most suitable loan conditions by ensuring they have a credit score in the good range. Information about credit profiles can be sourced at [Moneysmart](https://www.moneysmart.gov.au "Access Information and Resources from Moneysmart"). Where the total amount of the purchase price including the accessories required meets lender guidelines, the extras could be included in the overall caravan loan. The assessment would be made based on the value of the goods in relation to the finance amount requested. Your Jade consultant will be negotiating these issues. A major consideration for this to be possible is regarding the timing of the purchase of the ‘extras’. The extras would need to be purchased at the same time and from the same supplier as the caravan. The extra expenses would then appear on the manufacturer’s invoice which we use to arrange settlement between our lender and the supplier. If extras are decided on after the sale and after the finance is settled, it is not feasible to consider adding them to the loan. If large priced items are required to be purchased after the caravan sale is completed, we may be able to assist with an Unsecured Personal Loan or other finance option. ## What Can be Included Manufacturers offer a wide and varied range of options for new caravan buyers. So the items that may be included can be dependent on what is available and requested. Typical items that may be ordered by buyers to upgrade or customize their caravan can include:- - Upgrade packs such as off-road capabilities, a sports pack, a luxury pack, or other enhancements. - Extra solar panels or upgraded power management systems. - Additional or higher capacity water tanks. - Higher quality fittings such as leather seating or different floor coverings - Interior décor can be offered in a range of options. - Higher grade suspension. - Accessories such as awnings are specific to a particular model. ## Interest Rate and Repayment Considerations When considering adding extras and accessories to your caravan order to be included in the loan, there are a number of considerations to keep in mind. In regard to the interest rate on the loan, we arrange our Secured Caravan Finance at a fixed interest rate and over a fixed loan term. This ensures the repayments remain fixed. But if a buyer opts for a loan with a [variable caravan interest rate](/interest-rates "Click here for Details on Variable Caravan Interest Rates") as is offered by some lenders the rate may increase in line with [RBA](https://www.rba.gov.au "Learn ABout the RBA's Functions and Role") increases. This would increase the repayments and as such the loan amount including any extras may be pushed beyond the buyer’s budget. If applying for pre-Approved Caravan Finance, buyers should add an estimate for the extras they may include in order to receive a quote on the entire package. Customising or personalising your new caravan with extras and accessories can greatly enhance the travel experience. To ensure your experience meets your expectations, speak with us about including those extra costs in your caravan loan. **Contact Jade Caravan Finance on 1300 000 003 to discuss all-inclusive caravan finance.** *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.* **Categories:** Caravan Buying Articles --- ### [Evade La Nina in Your Own RV! Apply for a Caravan Loan to make it happen](https://www.jadecaravanfinance.com.au/blog/caravan-articles/evade-la-nina-in-your-own-rv-apply-for-a-caravan-loan-to-make-it-happen) **Published:** October 8, 2022 **Author:** Publisher **Content:** [The Bureau’s](http://www.bom.gov.au/climate/enso/ "Click here to go to the Bureau's Website") latest Climate Driver Update confirmed that La Nina is once again underway in our region. This increases the chance that rainfall in the eastern and northern areas of Australia will be above average during the upcoming spring and summer months. For those who had planned a sunny summer holiday in one location, perhaps it’s time for a rethink. Here’s a thought, **purchase a caravan or RV with a cheap interest rate caravan loan and have greater freedom with travel plans to evade areas impacted by La Nina summer rain.** The weather alerts through September in Victoria, NSW, and parts of Queensland have been predominantly for major rainfall. Flooding has been occurring in many parts. Those making holiday plans in impacted areas may like to take note and consider alternatives. Having your own RV offers many benefits with flexibility and freedom with holidaying and travel. Jade Caravan Finance can assist you in making that happen with finance to purchase a caravan, camper trailer, motorhome, or other type of RV. We present the case for purchasing your own RV and how we assist buyers with cheaper interest rate finance, sourced quickly and easily. ## Benefits of RV Ownership and Holidays There has been a surge of interest in caravan and RV ownership as a result of restrictions on other forms of travel over the COVID-19 pandemic period. With borders shut, many Australians considered their options and selected the caravan lifestyle to explore and enjoy their own backyard. If the thought of being in a summer holiday location with persistent rain is not your idea of a real break, then consider these benefits of owning your own caravan:- - Freedom to go to a seemingly endless selection of locations. Look at a map of Australia and plan your trip. - Flexibility to change plans on a whim. If the weather forecast in the area you had planned to visit is inclement, just turn the steering wheel and head in another direction. - The investment in a caravan is a long-term proposition. Many, many years of holidays may be enjoyed with the purchase of one caravan. - A model can be selected to accommodate the number of family or friends you want to bring along. - There is a vast selection of different types of RVs to suit the places to be visited and the buyer’s preferences for luxury, comfort, and capabilities. - Smaller model RVs are designed to be towed by standard passenger cars, negating the need to upgrade the current vehicle for towing purposes. - Acknowledged as offering a cheaper way to travel. Do your own cooking, avoid hotel and other accommodation expenses with just the cost of caravan park fees, petrol etc to consider. - Select an off-road vehicle and stay at free camping sites to further reduce costs. - With our cheaper caravan finance, the purchase of the RV can be affordable and accessible to many buyers. ## Selection and Purchase of Vehicle There is a vast selection of RVs on the market and Australian manufacturers offer premium quality and finishing. Visit one of the upcoming [caravan shows](https://www.caravanqld.com.au/ "Explore Mobile Home Exhibitions") to see some of the latest models and speak with dealers as to availability. When inspecting vehicles and talking prices with dealers, have our [RV Finance Calculator](/loan-calculator "Estimate RV Loan Repayments") handy. This allows you to quickly receive estimates on possible finance repayments for different priced RVs which can assist with buying decisions. Most new caravans are built to order which can mean a lag in order and delivery. Supply has been a major issue in the caravan sector as it has with many other manufacturing sectors recently. But there have been dealers and manufacturers offering ‘available for immediate purchase’ models. So there is a possibility of acquiring a ready to go RV in time for a summer holiday. ## Caravan Loan Options Many buyers will require finance to acquire their caravan. For some, it can be the cost of that finance in terms of monthly loan repayments which is the critical decision maker. The interest rate is the major determinant of the cost of a caravan loan. Sourcing and securing the cheapest interest rate finance is therefore the focus. [Affordable Caravan Finance rates](/interest-rates "Get Started with Budget-Friendly Caravan Financing Rates") do vary across the banks and lender market. There are also variations in the specifics of loans available from different lenders. As specialists in this area of recreational and leisure goods finance, we do offer specific loans for the purchase of all types of caravans. For the purchase of new caravans and other RVs, the [Secured Caravan Finance](/secured-caravan-finance "Explore Secure Financing Options for Caravans") will suit most RVs and most buyers. The lender approves the RV as the security for the loan and the repayments are made in equal monthly amounts. We arrange this loan type with a fixed interest rate, not a variable interest. That is an important aspect to consider when comparing loans from different lenders. The fixed rate will remain unchanged over the full term of the finance. That ensures fixed repayments. With variable interest rate loans, the rate may alter when the lender adjusts their rates. With the RBA increasing the cash rate over recent months, variable interest rate loan holders may have had their rate and hence repayments increased. If buying a second-hand caravan with finance, our lenders will assess the age and condition of the RV in reference to the value and loan amount requested in deciding if it represents suitable loan security. If accepted, then the Secured Caravan Loan may suit. If the RV is not accepted by the lender as suitable loan security, we can assist buyers of used caravans with an [Unsecured Personal Loan](/unsecured-personal-loans "Click here for Unsecured Personal Loan Details"). The interest rate is higher on this loan than for a Secured Loan. So the total higher interest payable may be a factor to consider when deciding between new and used goods. Our consultants assist customers with loan paperwork, souring the cheapest quote, negotiating with our lenders for the preferred term and repayment amount and we liaise with RV dealers and lenders to affect streamlined settlement. So if you’re looking at the weather forecast and thinking, perhaps a change of summer holiday plans is in order, speak with us first about caravan finance to decide if this is a workable option for you. **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.* **Categories:** Caravan Buying Articles --- ### [Be ready for end-of-year shows with pre-approved Caravan Finance](https://www.jadecaravanfinance.com.au/blog/caravan-articles/be-ready-for-end-of-year-shows-with-pre-approved-caravan-finance) **Published:** October 8, 2022 **Author:** Publisher **Content:** It’s been a great year for caravan, camping and leisure shows as the event sector returns to more normal arrangements following several years of COVID-19 disruptions. The calendar has been packed with events across the country and there is still a few more shows to come before the end of 2022. **If planning to attend a caravan and camping show to purchase a RV, buyers can be ready by applying for pre-approved caravan finance from Jade Caravan Finance**. In the current environment, there are numerous compelling reasons as to why being prepared with finance ahead of purchasing can be advantageous and astute. Reasons around limited availability, rising interest rates and assisting with buying decisions. The caravan manufacturing sector was seriously impacted by pandemic-related issues. Issues with supply chains and lockdown restrictions limited their ability to operate to their full extent. Campbellfield in Melbourne is a major hub for caravan manufacturers and Melbourne had the longest lockdowns of any area in Australia. This coincided with a surge in demand for caravans as Australians looked to travel and holiday alternatives with international and many domestic borders closed. That alternative was buying a caravan. Demand soared just at the time when manufacturers had production restrictions. So availability of new caravans has been limited with long delivery times reported on some makes and models. While many manufacturers appear to have recovered and several have expanded their facilities to cater for the increased demand, availability may still be an issue. By having finance already arranged, buyers are well-placed to say YES and sign the sales contract the moment the find the right van which is ready for sale. That could happen at a caravan show. It is quite common for exhibitors at shows to offer special show day deals. At recent shows, there have been manufacturers offering ‘ready for immediate delivery’ models. But they have been in limited supply. So the first-in with their finance can capture these opportunities. Pre-approved finance can greatly assist buyers with selecting a make and model at a price that actually meets their budget. Rather than committing to a RV at a price where the loan may put pressure on the budget. At a time when costs of living are putting enough pressure on household budgets, very few would be wanting even more pressures. Another compelling reason to buy now with pre-approved finance is the current interest rate climate. The [RBA](http://www.rba.gov.au "Access Information from the Reserve Bank of Australia") is in the process of increasing rates to counter soaring inflation. The effect is increases in rates across many markets. Buying now at our current [cheaper caravan interest rates](/interest-rates "Navigate to Caravan Loan Interest Savings") may save buyers higher rates in the future. ## Arranging Pre-show Finance Armed with that information, keen buyers that are intending to visit and purchase at an upcoming caravan show may choose to apply for pre-approved finance now. Essentially pre-approved caravan finance includes the same features and interest rate as loans that are applied for after the caravan purchase commitment has been made. Our [Secured Caravan Loan](/secured-caravan-finance "Access Information on Caravan Loans with Security") will suit most buyers and most new RVs. The nuance with a pre-approved loan is in knowing the exact amount that will be required for the finance. Buyers will usually have a general idea of the price of the caravan or vans they are considering. Most manufacturers will display price indications on their website. But as many vans are finished to buyer requirements and if the buyer chooses to add upgrade packs and extras, the final cost may not be known until the details are worked out with the dealer. In this situation, we arrange pre-approved loans based on an estimated loan amount. We then source the cheapest quote and on acceptance of that quote, process the application through to the ‘approved’ stage. With the finance approved, the buyer can proceed to source a caravan with a price that is in line with the approved loan amount. The entire pre-approved loan process can streamline the purchase process and offer significant benefits for buyers. ## End-of-Year Caravan Show Schedule There are a number of shows scheduled across several states in these final months of 2022:- - [Melbourne Leisurefest](https://melbourneleisurefest.com.au/Home), 6-9 October, Sandown Racecourse - [Canberra Caravan and Camping and Lifestyle Expo](https://www.caravanexpo.com/), 21-23 October, Exhibition Park - [Adelaide 4WD and Adventure Show](https://adelaide.4wdshow.com.au/), 21-23 October, Adelaide Showgrounds - [Let’s Go Brisbane](https://www.caravanqld.com.au/) – Caravan and Outdoor Sale, 27-30 October, Bowen Hills - [Bendigo Leisurefest](https://leisurefest.com.au/Home), 18-20 November, Bendigo - Penrith Lifestyle, Leisure Roadshow, 25-27 November, Penrith Showground Be ready for a great summer caravan holiday by arranging finance before buying. **Contact Jade Caravan Finance on 1300 000 003 for pre-approved caravan finance** *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.* **Categories:** Caravan Buying Articles --- ### [Interest Rate Rise for 6th Month in a Row](https://www.jadecaravanfinance.com.au/blog/caravan-articles/interest-rate-rise-for-6th-month-in-a-row) **Published:** October 12, 2022 **Author:** Publisher **Content:** The Reserve Bank announce yet another increase to the official cash rate at the Board meeting on October 4. The [RBA](https://www.rba.gov.au "Explore") started lifting rates in May and the October decision represents the 6th month in a row for an interest rate rise. Prior to the RBA Board meeting there was growing commentary around the need for the RBA to ease up on these interest rate rises as the prospect of a global recession emerges. The October rate rise was expected with many finance analysts and commentators predicting another 0.5% hike after similar rises in June, July, August and September and the 0.25% increase in May. In a welcome sign for many, the RBA announced a 0.25% increase but also indicated strongly that additional rises would be expected. **To assist caravan buyers planning a purchase with finance, Jade Caravan Finance has summarised information on the latest interest rate rise from the RBA** and provided an outline of what these continuing rate rises mean for caravan finance. ## October RBA Interest Rate Rise Statement The Governor of the RBA, Philip Lowe, releases a statement after each monthly Board meeting to announce the [rate decision](https://www.rba.gov.au/media-releases/2022/mr-22-33.html "Get the Latest on Interest Rate Choices"). These statements can be worth following as they provide the basis for the Board’s decision, an overview of the economic environment and can give vital clues as to the direction of the Board’s thinking in regard to future rate decisions. Major points for October:- - The RBA raised the official cash rate by 25 basis points or 0.25% - The Board remains committed to the return to target inflation, 2-3% to be achieved over time. - Further increases are expected in the coming period. - Acknowledgement that rates have been increased substantially in a brief time period. - The current rate of inflation is in Australia as in many part of the world, too high. - Both global issues and events as well as factors in the Australian economy are contributing to high inflation. - Strong domestic demand at a time of constraints on supply are a contributing element. - The expectations are for further increases in the rate of inflation before a decline is expected. - The rate is expected to reach 7.75% in 2022, just over 4% in 2023 and start to near target of 3% the following year. - As supply chain issues globally commence to be resolved and as the effect of interest rate rises is realised, inflation should moderate. - The national income is recording good boosts from the record levels in the terms of trade. - Issues around the tight labour market continue as is indicated by the August unemployment figure of 3.5%. - Jobs ads are at high levels indicated businesses seeking workers and that unemployment is expected to drop to lower rates in the months ahead before recording increases as various conditions moderate. - Particular scrutiny is being made of the way firms are setting their prices in regard to labour costs. Price stability being important to economic strength. The statement included a repeat of several points which were mentioned in statements issued in previous months. This included how the Board faced a narrow opportunity to achieving the objective of return to target inflation while holding the economy steady, amidst uncertainties. Uncertainty exists in regard to the global economy especially due to recent deterioration of conditions. Domestically, uncertainty remains around the behaviour of consumer spending as rates and inflation pressure household budgets. The RBA Board will next meet to discuss the official cash rate on Tuesday 1 November 2022. This will follow the release of Treasurer Jim Chalmers’ October budget. New figures on unemployment and inflation may also be released by the [ABS](https://www.abs.gov.au) before 1 November which will no doubt be taken into account by the Board. ## Caravan Finance Outcomes of Rate Rise Lenders and banks across the lending sector react and respond to RBA rate rise decisions according to their own individual guidelines. All four of the major banks responded quickly to raise their variable rates and rises would be expected across most lending markets including the leisure market. For those that have already secured their fixed interest rate [Secured Caravan Finance](/secured-caravan-finance "Discover Caravan Financing with Asset Protection") the loan rate and the repayments should remain unchanged. For those planning to apply for a new loan, the quote and any loan offer will be based on the interest rates current at that time. As the RBA Governor has indicated further rate increases are imminent, expediting the application and the purchases is advisable. Buyers can utilise our [Caravan Financing Calculator](/loan-calculator "Find Out Your Caravan Financing Costs") to get an indication of how a higher rate may impact finance repayments on the caravan being considered. For a firm quote at the cheapest rates buyers should contact us. **Contact Jade Caravan Finance 1300 000 003 for finance on all types of caravans, RVs, mobile homes and camper trailers** *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.* **Categories:** Caravan Buying Articles --- ### [Updates: New RV Models & Caravan Finance to Make the Purchase](https://www.jadecaravanfinance.com.au/blog/caravan-articles/updates-new-rv-models-caravan-finance-to-make-the-purchase) **Published:** October 12, 2022 **Author:** Publisher **Content:** Caravan shows and outdoor expos are great opportunities to catch up on the latest in new model RVs, caravans and camper trailers. At the recent shows several manufacturers unveiled new models and updates to existing models which are definitely worth catching up on. If you didn’t make it to the show **Jade Caravan Finance provides a quick update on some new models, some that are available now and news on caravan finance following the recent RBA rate rise.** ## Adding Euro Style to Aussie Travelling Want to add a touch of European style when travelling Australian roads? Then take a look at the latest Adria models. Adria is a European caravan manufacturer which is represented in Australia by the [Apollo Group](https://www.apollorvsales.com.au/ "Explore Apollo Group's Online Presence"). The Adria brand is defined by lightweight model RVs which feature trademark Euro style but have been engineered to suit Australian conditions. The company unveiled the latest to join their Adria collection, the Adora, at the recent Melbourne Leisurefest. Two models were shown, an 18’4” DT Sport and a 19’11” PH Sport. Very sleek with a sporty edge, the Adora models have something special in looks and plenty to attract buyers in key features and inclusions. Pricing we found was in the $80,000 range so those interested can use our [Caravan Finance Calculator](/loan-calculator "Caravan Financing Budget Estimator") to start forming ideas around how you would like us to structure your finance. Check out the current Adria models and speak with your local Apollo dealer about when you may get your hands on a new Adora. ## New Caravan Model from Cub Campers The Cub brand is known for its great camper trailers and now it adds a luxurious caravan model, the [C16](https://cubcampers.com.au/range/caravans/c16/ "Explore More about C16 Online") to its collection. This 16’ hybrid model is set for off the grid travel and with plenty of comfort, luxury and convenience to make every trip memorable. The clever design makes maximum use of the space to create a compact tourer with 720W of solar generation, 200 litre fresh water tanks, roof top air con, smart TV, great ensuite and some great options and extras to customise. Manufactured and designed in Australia, the Cub C16 looks set to be a regular traveller around the country. Lock in yours with pre-approved finance through Jade Caravan Finance. ## Update to MDC Models Also being shown at the Melbourne event is an updated range from MDC – the [AUS RV XK MKII](https://www.marketdirect.com.au/ "AUS RV XK MKII's Online Information Hub"). Designed to suit both couples and families, this off-road and off-grid pop-top range includes a 13’ and a 15’ model. The new updated features include the graphics, TV antenna and an upgrade to the solar power. Apart from the new upgrades, the standard inclusions are very impressive with the roof lifting mechanism being power-operated, roomy storage box at the front, lithium battery and monitor, ESC, air-con and plenty more. The 15’ layout provides a king bed which is a slide out plus the twin bunks while the 13’ model has the king slide-out bed. Advertised prices are given in the range of $70,000 for the 13’ to $75,000+ for the larger model. One of the best news items regarding these particular models is the word that apparently, limited vehicle numbers are available for delivery immediately. After a long period of supply issues in the caravan market, this will come as a much-welcomed sign for buyers eager for a RV for a summer holiday. With limited supply vehicles, especially in a high demand market, having finance arranged asap can be a distinct advantage. Speak with us to get your pre-approved [Secured Caravan Loan](/secured-caravan-finance "Discover Caravan Financing with Asset Protection") sorted so you are ready to buy. ## Caravan Finance News For now six months consequently, the RBA has lifted the cash rate. The Board’s October decision to increase the rate by 0.25% lifts the official rate to 2.6%. Quite a hike from the 0.1% before the May 2022 increase. These substantial rises, as described by the RBA, may have put the plans of some caravan buyers in limbo as the lending market in general responds with rate rises. Despite the general [caravan loan interest rate](/ "Learn About Caravan Financing Interest") rises, we continue to achieve better rates for RV. Achieving the cheapest rate is critical to ensuring the cheapest overall caravan finance. The RBA says that further rate rises are expected in order to get inflation back down to the target level which is 2-3%. With two more Board meetings for 2022, there is a possibility that we will see another rise in 2022. The October increase was less than most expected at 0.25% instead of 0.5%. That may or may not set a trend for smaller rises in coming months. Buyers are encouraged to action purchasing plans with finance by applying for pre-approved caravan finance to secure loans prior to the next increases. **Contact Jade Caravan Finance on 1300 000 003 for pre-approved caravan finance on new model RVs** *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.* **Categories:** Caravan Buying Articles --- ### [Finance for Toy Hauler RVs](https://www.jadecaravanfinance.com.au/blog/caravan-articles/finance-for-toy-hauler-rvs) **Published:** December 27, 2022 **Author:** Publisher **Content:** A toy hauler is a great RV option for adventurers, travellers and holiday makers that like to take lots of ‘toys’, ie dirt bikes, surfboards, paddleboards, kayaks etc, on their travels. By definition, a toy hauler has space at the rear of the RV dedicated as a garage for the toys. The design usually includes a drop down back wall which becomes a handy ramp for each of loading and unloading. The garage often does double duty with drop down bunk beds for accommodation. This garage area is not only great for security purposes when away from the caravan park or camp site, but also eliminates the requirement for racks and trailers attached to an RV or tow vehicle. Toy haulers can also make it a lot faster and easier to load and pack when heading away. Popular mainly for recreational users, but the toy hauler can also be an extremely versatile option for tradies that need to stay on site during a job and/or transport gear to the worksite and keep it safe and away from the weather when not in use. For those wanting a caravan to live in on site while building or renovating a home, a toy hauler may present a good option. Due to the recent and ongoing floods situation across several states, this has sadly become a very popular reason for purchasing many styles of caravans and RVs. But unlike a traditional caravan, the toy hauler can provide living space for occupants upfront as well as generous storage space out the back for sporting equipment, tools, bikes, boards and other gear. Keeping valuable items safe from theft and weather damage. ## Toy Hauler Market A number of manufacturers are building toy haulers including Patriot Campers, Jayco, and [Austar](https://austartoyhauler.com.au/). The Austar range includes models starting at just 12 foot and going up in size and inclusions. The company’s latest models is the Playzone RXT which is a 15 foot toy hauler. This is fully-set as a caravan with the back section that allows for bikes and other toys to be brought along for the holiday. Patriot Campers are renowned for tough, off-road vehicles and offer a number of toy hauler models. Jayco, one of Australia’s most well-known caravan names, currently has two models on its website. But there is another name to consider in the toy hauler market which we will explore – Hauslein. ## House or Hauler? New Model Toy Hauler Is this a house or a caravan? The latest name to emerge in the toy hauler conversation is tiny house builder, [Hauslein](https://www.hauslein.com.au/for-sale-listings "Discover More About Hauslein"). In German, the name means cottage or a small cabin. Located on the NSW mid-north coast, the company has been operating since 2018 building tiny houses and recently expanded to include RVs. They’re venture into the toy hauler market has been launched with an off-grid model which is built in NSW. It’s big and it’s boxy in shape with the capability to hold up to an impressive 400 kgs of toys – bikes, boards, kayaks, tools etc. In addition to space for the toys, the Hauslein toy hauler has accommodation to sleep 2 or 3 people. This toy hauler is 8 metres in length and 3.5 tonnes and is built for off-grid adventures in regard to both power and water including an electric unit for hot water. The rear wall is a drop-down design to create a ramp for easy loading – just ride those dirt bikes straight into the garage! The features for off-grid living include lithium batteries, plentiful storage for fresh water, internal bathroom and kitchenette area and portable cooker. The ensuite-style bathroom has a shower cubicle and separate toilet. Air con is also include as are of course, plenty of solar panels and inverter system. Hauslein also includes its own unique and trademark look to this toy hauler with the timber cladding on the walls and the stylish black matte finish to the furniture, sink and taps. The look is sleek and stylish and definitely for those that want the convenience of off grid living but are not keen on roughing it. ## Toy Hauler Finance Those interested in say the Hauslein toy hauler, the pricing we’ve seen is around the $95,000 mark but the company asks those interested to contact them for further details. As with most caravans and RVs, pricing will likely vary according to preferences with the fit-out and other inclusions. At that price point, most buyers will likely be requiring a toy hauler loan to make the purchase. **Finance for a toy hauler purchase is available at cheaper interest rates through specialist caravan and RV broker-style lender, Jade Caravan Finance**. Our [Secured Caravan Loan](/secured-caravan-finance "Explore Secure Caravan Loan Programs") suits most new caravan styles include the toy hauler. Prospective buyers can start planning their purchase by using our [Finance Calculator for Vans](/loan-calculator "Calculate your van payment schedule.") to calculate loan repayment estimates. Alternatively, simply contact us for a firm quote on the Hauslein or one of the other toy hauler brands currently available. **For toy hauler finance, 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.* **Categories:** Caravan Buying Articles --- ### [New RV in 2023? About caravan finance](https://www.jadecaravanfinance.com.au/blog/caravan-articles/new-rv-in-2023-things-to-do-and-know-about-caravan-finance) **Published:** December 27, 2022 **Author:** Publisher **Content:** **Fundamental to decisions to purchase new RVs or upgrade to a better model is being well-informed about:** ## Caravan finance and especially movement in interest rates. An RV can be a considered purchase and having a good knowledge of the details of caravan finance can assist in guiding buyers to the [cheapest caravan interest rates](/interest-rates "Explore Budget-Friendly Caravan Financing Options"). The cost of a caravan loan is primarily driven by the interest rate and that is where there can be significant variations across the caravan finance market. Lenders respond to Reserve Bank (RBA) rate decisions based on their own guidelines. That is one of the key reasons why we see these variations in rates across different lending markets and one of several important ‘need to knows’ for those seeking caravan finance. We outline more of the key aspects of caravan finance that buyers need to know in order to achieve the cheapest, most suitable RV loan. ## Types of RVs that We Finance RVs- recreational vehicles, is an umbrella term which covers all the different types of caravans, campers and motorhomes on the market. We refer to ‘caravan finance’ as finance for all these different variations. Our caravan loans suit most new and second-hand caravans including the traditional models, camper trailers, motorhome, camper vans, toy haulers, off-road vehicles, expedition vehicles of all sizes. The specific loan type – secured or unsecured, may be determined by the lender decision regarding suitability of the RV as loan security. ## Types of Loans Available We offer two loan types for caravan finance – [Secured Caravan Loans](/secured-caravan-finance "Protected Financing Solutions for Caravans") and an [Unsecured Personal Loan](/unsecured-personal-loans "Access Information on Unsecured Loans"). The secured loan will suit most new caravans while the unsecured option is there for consideration when the RV is not accepted by the lender as suitable security. The Secured Caravan Loan has a relatively universal format with the RV providing the guarantee against the loan. We ensure a fixed interest rate and a fixed finance term so customers have a fixed monthly repayment schedule which remains unchanged through the loan term. No deposit finance is available, dependent on lender approval, so the full price of the RV plus accessories and extras, may be included in the finance amount. If customers choose, additional payments can be made during the loan term. ## Consumer Finance Regulations While there are variations in caravan finance across the lender market, buyers should be aware that all lenders that are in the consumer finance sector must abide by the [Consumer Finance Laws](https://asic.gov.au/regulatory-resources/credit/responsible-lending/ "Learn About LAws Affecting Consumer Finance"). These are regulated through ASIC and include guidelines for lenders in regard to loan offers that they can offer to consumers. ## Caravan Finance Market While not all lenders will offer a specific Caravan Loan, many banks, finance companies and even caravan dealers and manufacturers do offer finance. Some lenders include RV finance in their more generic Personal Secured Loan categories. More specialist lenders in the sector, such as Jade, do offer specific loans for this category of goods. There can be variations in the loans offered for RV finance in regard to the interest rate, the type of rate -variable or fixed, certain conditions and possibly other features. When comparing loans from different lenders these features should be considered closely to ensure they are suitable. Our services as a broker-style caravan finance lender provide customers with the advantage of having a large number of lenders canvassed in order to source the cheapest interest rate caravan finance. In addition, our consultants negotiate with lenders to achieve the most suitable loan offer for our customers. ## RV Finance Interest Rates As mentioned above, the interest rates on caravan finance can vary from lender to lender based on a number of reasons. The rates advertised by lenders will typically be for new goods (caravans) and for offers to finance applicants that are assessed for good creditworthiness. That means maintaining a good credit score and having a good balance sheet. The [RBA](https://www.rba.gov.au "Learn About the RBA's Functions and Role") has increased the cash rate significantly since May 2022 and has indicated that further rate rises would be expected in the time ahead. For those planning an RV purchase with caravan finance in 2023, remarks in the RBA December Board Meeting minutes may be of interest. The meeting minutes revealed that the Board considered three options in arriving at their December rate rise decision of 0.25%. Those options were a 0.5% rise, 0.25% rise and 0% change, which would leave the current rate unchanged. The arguments for each of these options was discussed. These discussions plus remarks made by the RBA Governor Philip Lowe reveal that larger rate rises and leaving rates unchanged are still on the table. So the interest rate situation for 2023 may once again be a wait and see story each month. ## Getting the most from Caravan Finance Calculator Many RV buyers are taking advantage of a [Caravan Finance Calculator](/loan-calculator "Caravan Financing Budget Estimator") to assist in making their purchase decisions. This is great but we urge calculator users to read the instructions and use this tool as intended. It is important to be aware that there may be a lag between when you use the calculator to get repayment estimates and when you take delivery of your caravan and finalise the RV finance. During that time, interest rates may change. ### Ordering at Caravan Shows Buyers will often take full advantage of caravan shows to compare new models and make purchase decisions. To assist in this process, we offer pre-approved caravan finance. The RV loan can be applied for and processed through to the approved stage ahead of a purchase decision. Pre-approved caravan finance do have a confirmed loan quote which is valid for a set time period. So buyers have the confidence to proceed with their purchase. Hopefully this overview has provided the information required to proceed with a RV purchase with caravan finance from a more informed position. If you have further queries, please reach out to us for assistance and information. **Contact Jade Caravan Finance for cheaper caravan finance on all types of new RVs** *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.* **Categories:** Caravan Buying Articles --- ### [Showcase: New Models and Cheaper RV Finance to Buy One](https://www.jadecaravanfinance.com.au/blog/caravan-articles/showcase-new-models-and-cheaper-rv-finance-to-buy-one) **Published:** February 9, 2023 **Author:** Publisher **Content:** With the Victorian Caravan and Camping Supershow kicking off the big caravan show season for 2023, it’s time to showcase some of the new models that visitors may see at this year’s shows. New caravans have been in high demand with long delivery times in recent years. **Buyers keen to expedite the delivery of their new caravan can arrange their RV finance with Jade Caravan Finance prior to inspecting vehicles in showrooms and shows.** Having the finance confirmed can greatly assist buyers in forming their purchasing plans around budgets as well as enabling them to place their order as soon as they find the RV that suits their requirements. Buyers can get approved for RV finance quickly and easily before purchase. But before we delve into the specifics of the finance, we showcase a number of new models for buyers to include on their inspection lists. ## Showcase: Vecto Caravans Not so much a model but a relatively new name to get to know in the Australian caravan manufacturing sector. [Vector Caravans](https://www.vectocaravans.com.au "Official Site of Vector Caravans") has been around for 3 years, is based in Hoppers Crossing in Victoria and is already becoming known for its innovative approach. Vecto works to setting itself apart from the mass-production sector by delivering a unique, customisable range which includes many innovative aspects. The company has designated 5 things that sets it apart from others, they call it the Vecto Edge – design, quality, build, lifestyle and care. The Vecto range starts from 18’ models and goes up to 22’. The 18’ Family is the lightest model in the range, making it easier for towing. Visitors at the Geelong Show may have taken the opportunity to inspect the 3 models the company had on display. A key criterion for the company is that their range of caravans tows well. An important aspect with RV safety is high on the agenda for all owners. The caravans are extremely well specified with inclusions that make them ideal for those that opt for free campsites and off-the-grid travelling. Prices reportedly start around the $115,000 mark which is a good indicator to use as the loan amount when using our [easy caravan loan calculator](/loan-calculator "Get Started Easily with Caravan Loan Calculator") to work up rough estimates on possible finance repayments. ## Showcase: JB Caravans Not a new name on the scene but a new range of models for 2024 from [JB Caravans](https://www.jbcaravans.com.au/ "Navigate to JB Caravans' Online Portal"). JB is a well-known and respected manufacturer known for using high quality materials and manufacturing its chassis in its own facility. For 2024 the range includes construction that is free of timber and includes powerful power systems for those heading off the grid. Those that know the brand will note some new features in styling and design in the new models. The construction includes a composite honeycomb one-piece flooring, an aluminium composite roof amongst many other new features. JB has designs to suit all types of travellers – both off-road and those that like to stay on the blacktop. So make sure you stop by the JB stand at upcoming shows or head straight to one of their dealers for more information. Visitors to the Newcastle Caravan Show may have seen the new JB range on display. If you were impressed and now want to consider placing an order, give us a call to discuss finance options. ## RV Finance Options Our [Secured Caravan Loan](/secured-caravan-finance "Secured Loan Options for caravans") will suit most buyers for new caravans including those from Vecto, JB and other brands. This loan product suits all types of RVs – off road, on road, traditional, camper trailers and others, and the vehicle is accepted by lenders as the loan security. We source each quote based on the individual requirements of our customers and that service includes negotiating for the cheapest interest rate. Our loans include a fixed rate so customers do not have their loan change with RBA decisions on the cash rate. Buyers should be aware that interest rates that are displayed by banks and lenders will be for buyers with a good credit rating. The credit profile and details in the application are assessed when the interest rate offer is prepared. Buyers planning purchases in the months ahead should be mindful that interest rates in general terms and including for [RV finance](/rv-finance "Navigate to RV Financing Page") may change over that period. Terms can be negotiated up to 7 years to minimise the repayments and tailor the loan to suit the customer’s budget. ## Getting Approved for RV Finance Quickly To be in a position to order at one of the 2023 caravan shows, buyers can apply for finance and get their approval before attending the show or even before finalising their vehicle selection. We quote and process applications through to approved stage with a loan amount estimated. The final amount required in the loan, is known when the sale is confirmed. We adjust and finalise these details during the settlement stage which we assist with also. **To get approved for RV finance, 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.* **Categories:** Caravan Buying Articles --- ### [Structuring caravan finance to suit needs of long-term travellers](https://www.jadecaravanfinance.com.au/blog/caravan-articles/structuring-caravan-finance-to-suit-needs-of-long-term-travellers) **Published:** February 9, 2023 **Author:** Publisher **Content:** A bucket-list item for many Australians is to travel around the country in a caravan. Some travellers may take a few months to complete that journey, some may do it in a number of different stages while others take an extended break and may spend up to a year touring and exploring. Buyers purchasing vehicles for this purpose may have different requirements for their caravan finance. **As specialists in the RV lending market, Jade Caravan Finance understands the needs of long-term RV travellers and structures the caravan finance to suit**. Those needs can differ depending - Families taking the opportunity to take their children on a round Australia tour while circumstances make it a viable option re-schooling and other considerations. - Those taking a mid-career gap period of a few months to refresh and recharge while travelling. - Permanent work remotely workers and self-employed individuals that can manage extended caravan travel time on the road while meeting their work and business commitments. - Workers enjoying long-service leave to take a few months to tour Australia. - Those that just want to take a nice long time off to explore Australia in their caravan. Whatever your reason or purpose for taking that aspirational extended time to tour Australia, our consultants will work with you to secure caravan finance that works for you, to purchase your vehicle. ## Individually Sourced Caravan Finance Solutions Some of the needs or preferences that caravan owners planning long trips may have to include not having to worry about their finance while they are away. They may also want to ensure that the finance is secured with repayments that *will* meet their budget. As a broker, we have the capabilities to negotiate loans with our lenders so we can work to meet your specific and sometimes individual preferences. ## Caravan Finance Basics The loan product that will suit most new caravan buyers will be our [Secured Caravan Loan](/secured-caravan-finance "Secured Caravan Financing Solutions"). The advantage of a secured credit product is that for most buyers, no additional security besides the vehicle itself is required. For those away for some time, not having other property or assets tied up in the finance may be a distinct advantage. This product suits all the variations in RVs and caravans. So regardless of whether you’re considering a camper trailer or self-contained mobile home or a more traditional towable vehicle, this will most likely be the loan for you. ## Covering the Extras Long-term travel can mean ensuring the RV is properly set up for that time period. That may mean adding certain accessories or extra equipment to the purchase. Those extras may include fittings etc to suit different weather and climate conditions as the seasons change en route. They may include having additional water tanks and solar power capacity to cover a long trip across the Nullabor. We work with customers to include these costs in the overall total amount of the loan. The extras need to be purchased in conjunction with the RV to ensure they are on the dealer invoice when settlement is required. ## Fixed Interest Rate Caravan Finance One of the biggest requests from travellers is sure to be that they don’t want to worry about their caravan finance while away. Travellers will likely set their budgets to cover the time they will be away. The last thing they will want is for their caravan finance interest rate to change when the [Reserve Bank of Australia](https://www.rba.gov.au "Official Site of the Reserve Bank of Australia") announces a rate hike. Suddenly they have to budget for higher repayments with a rate increase. That can happen when a loan is taken out with a variable interest rate. To address this issue we secure our caravan loans with a fixed interest rate. That means that the rate confirmed when the finance is approved will be in place over the complete term of the loan. Monthly payments are set-up as a direct debit from a nominated account. So travellers can spend their time exploring and enjoying, without one eye on the financial markets. ## Extended Finance Terms Budgets will most likely need to be strictly adhered to when on a longer trip away. When applying for caravan finance, that can mean achieving the lowest monthly repayment possible. We assist buyers to achieve this objective with our cheaper rates and with terms of up to 7 years. A longer term means a lower monthly commitment. ## Reviewing on Return On returning from that trip, the lower repayments may not be such a higher priority. That’s not a problem with our Secured Loan. Additional payments can be made whenever desired. By doing so, the [rent to buy caravan Australia](/caravan-lease "Caravan Rent-to-Buy Programs in Australia") loan would be finalised early, but minimal payout fees apply with this type of loan. Whatever your caravan travel plans, your Jade consultant will work with you to secure caravan finance that best meets your requirements. **Contact Jade Caravan Finance to discuss your caravan finance needs to suit long term travel plans** *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.* **Categories:** Caravan Buying Articles --- ### [Keeping buying plans with caravan finance on track, even with rates rising](https://www.jadecaravanfinance.com.au/blog/caravan-articles/keeping-buying-plans-with-caravan-finance-on-track-even-with-rates-rising) **Published:** February 17, 2023 **Author:** Publisher **Content:** The Melbourne event kicked off the 2023 caravan show calendar, and the Sydney Supershow is less than two months away. These events are significant for buyers to see many leading manufacturers in one place. They save time and allow easier comparisons; the models are almost side by side. But for prospective buyers planning RV purchases with caravan finance, the recent rate rises and remarks from Governor Lowe at Government committees may have thrown uncertainty around committing to this type of purchase. Uncertainty exists around how much the RBA may lift interest rates in the coming months and how that may play out in the caravan lending market. But by taking a smart, sensible and savvy approach to sourcing cheaper finance, buyers can keep plans on course toward RV ownership. Rate rises in the RV lending sector may vary, and using the available resources and services can assist buyers in accessing the cheapest rates. We share our expertise to help buyers start putting buying plans into action with more affordable finance. ## Use A Caravan Finance Broker With rates varying on loans for caravans, buyers can face the time-consuming task of finding precisely which bank or finance company may offer the cheapest interest rates and most suitable finance when they intend to apply. This task can be simplified by making the smart move to engage with a finance broker to do the hard work. **With RBA lifting rates, specialist broker Jade Caravan Finance assists RV buyers in keeping buying plans on track by sourcing the cheapest interest rate loans.** Sourcing the most affordable rates available at any particular time across many lenders is what we do and do very well. We have access to the lenders, can handle the task quickly, and deliver buyers the cheapest loan offer. The [interest rate](/interest-rates "Caravan Loans Interest Rates") is integral to the cost of the caravan finance, and we ensure that the box is ticked. ## Determine Caravan Finance Goals Removing uncertainty and feeling confident to proceed with the purchase can also come from knowing what you want in your loan—specifically, having a clear idea of the repayment amount that will work with your budget and structuring all other aspects of the purchase and the finances to meet that target. Be smart, and before even looking at RVs, please look at our [van finance calculator](/loan-calculator "Find Van Finance Payment Info"). Most buyers will have at least a rough idea of the price range of the vehicles they are considering. That’s the starting point. Enter that amount in the total loan amount. While being mindful that rates could go up before your application is processed and that you could be offered a different rate, to calculate estimates, use the interest rate we are currently displaying. Rates displayed by lenders will be the best rate for customers with a credit rating in the excellent band. These rates will be for new caravans. Our advertised rates are for our Secured Caravan Loan, which should suit all types of new RVs -traditional models: hybrids, camper trailers, motor homes, toy hauliers and others. Second-hand models may attract different rates, and if the vehicle is not accepted as security by the lender, an Unsecured Personal Loan may be required. The final value to enter into the calculator is the loan term. We can source terms of up to 7 years, while some lenders may only offer 4 or 5. Enter whatever time you like at this stage. With all fields entered, the calculator will display the repayment amount for those values. That would be great if the amount is in the range of your expectations. As a guide, the results reveal how much a caravan at that price may cost regarding caravan finance repayments. That may be an essential progression in acquiring confidence around the affordability of the vehicle you want to purchase. ## Achieving Workable Repayments and Terms If the repayments calculated on the calculator exceed a buyer’s target, they can consider a few options to achieve the desired monthly outgoing. When using the calculator, you may have entered the total purchase price of the caravan. That is fine as we offer no deposit finance, subject to lender approval of individual applicants. By making a deposit, the finance amount can be reduced. That then calculates through to lower repayments. The term finance is also critical. That is where your Jade consultant can help you out. We can negotiate with our lenders to work towards the relevant term by letting us know your repayment preferences. ## Preparing to Buy at Caravan Shows With two more rate decisions scheduled before the [Supershow in Sydney](https://www.supershow.com.au/ "2023 NSW Caravan Camping Holiday Supershow") in mid-April, it can be understandable that buyers planning to order at that show may have some uncertainty. We provide services with pre-approved loans to assist buyers in making advanced purchase plans. Pre-approved caravan finance can be applied for and processed to the approved stage before the event. Could you speak with us about how far out from the show is ideal, as these loans will expire? Buyers can also consider submitting their application for pre-approved finance to get an indication of loan conditions and repayments based on current rates. We assist buyers in keeping their plans on track with a comprehensive broker-style lending service. So speak with us about your plans and how we may help you realise them. **You can contact Jade Caravan Finance for cheaper interest rates on caravan finance.** *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. I’D LIKE TO LET YOU KNOW THAT LIABILITY IS ACCEPTED FOR ANY ERRORS, PRODUCT DESCRIPTION VARIATIONS, OR OTHER MISREPRESENTATIONS OF INFORMATION AS PRESENTED.* **Categories:** Caravan Buying Articles --- ### [Thinking of buying or upgrading? Catch up with latest RV industry and caravan finance news](https://www.jadecaravanfinance.com.au/blog/caravan-articles/thinking-of-buying-or-upgrading-catch-up-with-latest-rv-industry-and-caravan-finance-news) **Published:** February 22, 2023 **Author:** Publisher **Content:** When considering a major purchase such as a recreational vehicle, many buyers are keen to get as much information as possible on what’s happening across the sector. Information on new makes and models, how the industry is tracking generally, what’s happening with holiday parks and especially what’s happening with caravan finance. Information which can assist buyers get a feel for owning a caravan and the fantastic lifestyle they are buying into. We’ve compiled some of the latest news items from the [Caravan Industry Association of Australia](https://www.caravanindustry.com.au/ "Caravan Industry Association"), upcoming caravan shows and the outlook on caravan finance and interest rates following the February RBA rate announcement. **Strong Growth in RV Manufacturing** The manufacture of caravans and sales continue to grow in line with boost in popularity of the RV lifestyle. The Caravan Industry Association released the results for 2022 which saw a 17% increase in Australian made vehicles and nearly 8.5% increase in imported models. Vehicles from Australian manufacturers are extremely well-regarded overseas as seen by the just short of 230% increase in exports. The Association’s CEO, Stuart Lamont, said the sector was not complacent with the results but looking to the future with innovation as the sector embarks on its next transition with an environment of low emissions and tighter conditions in the economy. **Caravan Parks Upgrade with Government Grant Assistance** There are many great holiday and caravan parks around Australia and more than 100 of these are set to get even better. 111 parks have been awarded grants ranging from $10K to $100K to upgrade their facilities. The grants were made available through a Federal Government Infrastructure support package with operators going through a competitive process for the grants. Mr Lamont said that the package acknowledged the importance and value of RV and caravanning to the Australian economy. For buyers planning their first caravan purchase, holiday parks can be sourced through numerous channels including the NRMA and the Big 4. **Upcoming Caravan Shows** Caravan shows and lifestyle expos are great events for buyers to connect directly with many manufacturers in the one location at the one time. There is an extensive schedule of these events in capital cities, regional centres and small towns throughout the year. The largest of the year is the annual Sydney Caravan Supershow which will be held in April at Rosehill Racecourse in Sydney. Buyers on the west coast should look to attending the Perth Caravan and Camping Show from 22-26 March at Claremont Showgrounds. For Queenslanders, the Let’s Go Supershow is scheduled for early June at the Brisbane Showgrounds. When planning to attend a caravan show with the intention of placing an order, we can assist with pre-approved caravan finance. Buyers can get approved for a caravan loan before buying and even before making the final decision as to which particular vehicle to purchase. The [Secured Caravan Loan](/secured-caravan-finance "Secured Caravan Finance") suits most buyers of all types of new RVs. That includes the traditional caravan models, hybrids, motorhomes, camper trailers, toy haulers, off-grid, off-road and the many other variants on the market. When getting approved for this type of loan prior to purchase, we work with our customers to arrive at an estimate of the amount they would require for the loan and process the application based on that loan amount rather than a specific caravan model. We process the application through to the stage where it is all approved and simply awaiting our customer to make their purchase selection. This provides buyers with the confidence to place orders at shows and other events rather than have to delay by having to source finance. We secure these loans at a fixed interest rate which is the cheapest available to match the application specifics and with a fixed loan term to provide fixed repayments. Buyers that don’t have their finance approved, can use our [finance calculator](/loan-calculator "Caravan Loan Repayment Calculator | Jade"). **Caravan Finance News** The major focus in the lending sector over the past nearly 12 months is definitely interest rates with the ongoing [RBA](https://www.rba.gov.au/ "Reserve Bank of Australia") rate increases. These do flow through to affect the caravan finance sector as they do in many other finance markets. **Despite recent increases in interest rates, specialist RV broker-style lender, Jade Caravan Finance, continues to source cheaper interest rate caravan finance**. Based on recent RBA announcements and remarks, the outlook is for more rate rises in the coming months. Buyers that can, are encouraged to action their purchase with caravan finance as soon as possible before these increases are announced and reflected in our lender rates. **To discuss caravan finance for a first or new RV 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.* **Categories:** Caravan Buying Articles --- ### [Jayco 2023 Range Released – get caravan finance approved fast to place your order](https://www.jadecaravanfinance.com.au/blog/caravan-articles/jayco-2023-range-released-get-caravan-finance-approved-fast-to-place-your-order) **Published:** March 1, 2023 **Author:** Publisher **Content:** Jayco is one of, if not THE most well-known and biggest manufacturers of recreational vehicles in Australia. So when they reveal a new range of models, it’s a sign for buyers to take notice. The 2023 range of Jayco models is now available for browsing online and there are plenty of new and added features to take note of. With the continuing trend towards off-grid caravanning, [Jayco](https://www.jayco.com.au/ "Your Great Escape | Jayco Australia") has covered off on improving the capabilities for off-grid travel and included solar and battery improvements in the models for this year. In addition, the Off Grid-X upgrade is available on all the All-terrain model layouts. Plus, buyers should also note the new touches to the designs, both inside and out. As an extremely popular brand, the **Jayco 2023 models are sure to be in high demand and buyers can get finance approved quickly through Jade Caravan Finance to secure their order and not miss out.** Which particular new Jayco will be your choice? Here’s a rundown on some of the general points for the 2023 line-up. ## Jayco 2023 – Overview The innovative design and use of quality materials are clear in the stylish interiors of the 2023 models. The company explains the design as an incorporation of both European and Australian influences. Timeless, sophisticated and with superb comfort. The [top of the range Silverline](https://www.jayco.com.au/range/caravans/jayco-silverline-caravan "Silverline Caravan | Jayco Australia") has received a new look for this year. Already known as the luxury line, the Silverline gets even better for 2023. Standard on the Silverline now are reversing cameras, Wi-Fi and an electric awning operated via a Smartphone app. The top range model has new mouldings both front and real, auto style tail lights, updated interior and new decals. As mentioned above, the Off Grid-X upgrade is available on all the All Terrain layouts. The top specified option of this upgrade has features to sustain travellers for longer in off grid locations. These include a 400AH lithium battery extra solar panels, a power management systems and more. Many models in the Jayco range can now also be fitted with the lithium battery upgrade. Across the line-up, the company has included a new water filler plumbing console. This offers protection for the outlets, improves space in the cupboards and other benefits. On the All-Terrain caravans and Pop-Tops, the option is available for anti-lock braking to be fitted. In the caravan line-up, the range is designed for tough Aussie conditions and includes world-class tech and safety features. For 2023, the Pop-Top collection includes better features. The comforts you enjoy at home are combined with the best things about camping in these new models. Great price point too! In the Toy Hauler collection, Jayco have the Work’n’Play and the Basestation. The compact Work’n’Play at 17’ is a great toolbox on the go, a mobile garage or weekend getaway RV for adventure seekers. The Basestation is the choice for those that need a lot of space for all the toys including motorbikes. For buyers looking for an RV that can be towed with a small to medium SUV, then take a second look at the [Jayco Swift Camper Trailer](https://www.jayco.com.au/range/camper-trailers/swift-campertrailer "Jayco Swift Camper Trailer | Jayco Australia") option. This is a functional and versatile model with great features and inclusions. The Jayco range includes traditional caravans, hybrids, motorhomes, camper trailers, pop-tops and toy haulers in an extensive range of sizes and layouts. Check out the options and what’s new for 2023 and start planning how you would like your Jayco customised to suit your travel style. ## Finance for Latest Model Jayco Caravans The finance can often be the clincher when it comes to moving on major purchases such as a new caravan. The finance can also be a deciding factor when considering different models and the options to upgrade to say the Jayco Silverline. The current economic conditions with ongoing high inflation are placing pressure on costs of living and household budgets. These conditions make it more important than ever that the finance for that new caravan be as affordable and inexpensive as possible. That starts with securing the cheapest interest rates through Jade. As can be seen in our Lender Comparison Chart, the [interest rates on caravan loans](/interest-rates "Caravan Loans Interest Rates - Compare Finance Rates") for caravans and RVs do vary across the market. In order to source the cheapest rates and most suitable loan, buyers may need to request specific quotes from many lenders. We save buyers all that time and hassle as we have accreditation with many lenders and the capabilities to identify which is the most suitable loan with the cheapest rates for that customer. We provide finance for all types of caravans with our versatile [Secured Caravan Loan](/interest-rates "Caravan Loans Interest Rates - Compare Finance Rates"). While the same loan product can apply to many buyers, using our broker-style lender services allows for finance to be individually customised to suit specific requirements. Your Jade consultant will be negotiating with our lenders to secure not just the best rates, but the most suitable finance term and where possible, include extras, options and upgrades into the loan amount. Loan approvals are fast so buyers can confirm their orders to expedite delivery. If a new 2023 Jayco model on your shopping list, speak with us to get finance approved and place the order. **To discuss caravan finance on a new Jayco RV, 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.* **Categories:** Caravan Buying Articles --- ### [How to estimate and get a caravan loan before buying](https://www.jadecaravanfinance.com.au/blog/caravan-articles/how-to-estimate-and-get-a-caravan-loan-before-buying) **Published:** September 11, 2023 **Author:** Publisher **Content:** Recreational vehicles are available in many different styles and models with traditional caravans, hybrids, off-road models, camper trailers, camper vans, toy hauliers and others. The range is ideal to ensure that buyers can select the RV that exactly suits their travel style. But there are also extensive pricing variations that need to be considered. Before buying, many purchasers will want an estimate or even approval on their caravan loan. Jade Caravan Finance provides an online easy-to-use calculator and a pre-approval service so buyers can get an estimate or approved caravan loan before buying. Our personalised service and online buying tools are designed and provided to ensure caravan buyers can select a make and model that is in their affordability zone based on finance repayments. All types of buyers purchasing all types of RVs can use our services for estimating and receiving pre-approved finance for new and second-hand RVs. We detail how to use the buying tools and get pre-approved financing to simplify the buying process. ## Decide which Caravan Loan There are quite a few sources for caravan finance including banks, finance companies, dealers and broker-style lenders like Jade. The interest rates and even the types of loans can vary across the market. The first thing buyers should know is what type of loan is best suited to their purchase. Some lenders do not offer a specific RV loan but will include caravans in their generic Personal Secured Loan product. Our Secured Caravan Loan is specific for RV purchases and is the most widely used finance product for new and many second-hand caravans. This loan has a standard secured credit format where the caravan forms the collateral for the finance and the borrower repays the commitment in equal monthly repayments over the set loan term. Some second-hand caravans may not be accepted by lenders as suitable collateral. In those instances, an Unsecured Personal Loan, which might have different [caravan financing rates](/interest-rates "Caravan Loan Interest Rates"), is an option for consideration. This loan may also suit buyers who are purchasing a shared RV with other parties and offering the vehicle as security is not suitable. ## Fixed or Variable Interest Rate? When reviewing lenders and loan products, buyers should take note of the type of interest rate offered – is it fixed or variable? We secure a fixed interest rate on our secured loans and at the cheapest rates. Unsecured loans may have a fixed or a variable rate. The fixed rate will not change over the financing term, regardless of what happens with official interest rates as per [RBA](https://www.rba.gov.au "Explore RBA Policies") decisions. This can provide buyers with confidence to plan future finances and allow for more relaxing travelling knowing their loan won’t change. ## Getting Pre-Purchase Caravan Loan Estimates Getting caravan loan estimates before purchase is extremely easy with our [Caravan Finance Calculator](/loan-calculator "Calculate Caravan Repayments"). Most dealers and manufacturers will provide an RRP on their website or when approached for pricing. This price can be used as the basis for using our calculator. The calculator is an online device so users can calculate estimates from any device with online connectivity. All that needs to be done is to enter the values in the fields as indicated. When deciding on the total loan amount to enter, consider if the price quoted will be the total cost of the van. Will you want to add extras to the order? Prefer upgraded fixtures and fittings? If so, make an allowance for these extra costs when entering the loan amount. The other issue with the loan amount is to consider if you will request a loan for the full purchase price or if you will pay a deposit and request a lesser amount. If undecided on this point, the calculator can be used to work up different outcomes based on a different loan amount to assist with the decision process. The interest rate on individual applications can vary. We display our cheapest current rate and suggest that the rate be used in the calculator as a guide only. The term can be your preferred timeframe for paying off the loan. The term approved will be subject to lender decisions. Then click calculate and the rough estimated monthly repayment will be displayed. Note this is an estimate only as lender fees are not included and no allowance is made for the credit profiles and application specifics of calculator users. Please read our disclaimer. If the result is higher or lower than expectations, change the amount or term to obtain a different result. Use the calculator for pricing on all the caravans you are considering to assist with making that final purchase decision. ## How to Get a Caravan Loan Before Purchase The calculator is great for rough estimates but having a definite caravan loan based on your specifics pre-purchase, is a bonus. We provide a pre-approved caravan loan service for [caravan loan Australia](/ "Explore Caravan Financing Options"). This allows buyers to have their application approved ahead of time so they can proceed with ordering with confidence. These loans have a validity period which will be advised at the time. With all the options available, buying a new caravan can be an enjoyable yet possibly confusing experience. With our caravan loan buyer tools, we may take some of that confusion out of the process and deliver cheaper caravan finance at the same time. **Contact Jade Caravan Finance for a pre-approved caravan loan or estimates on caravan finance before purchase.** *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.* **Categories:** Caravan Buying Articles --- ### [Compare Camper Trailer and Caravan Loans](https://www.jadecaravanfinance.com.au/blog/caravan-articles/compare-camper-trailer-and-caravan-loans) **Published:** September 11, 2023 **Author:** Publisher **Content:** When deciding to purchase a new RV, buyers are spoilt for choice with the huge selection on offer. Australia has an extremely strong and innovative RV manufacturing sector with models to suit all types of travellers. One of the big decisions for many buyers will be – a caravan or camper trailer. That decision may hinge on the financing. Being able to easily compare camper trailer and caravan loans may assist the decision process. RV financing experts, Jade Caravan Finance provides buying tools, resources and a calculator to empower buyers to easily compare camper trailer and caravan loans. Our resources are readily accessible online and supported by our expert team of consultants who are available by phone to answer questions, provide quotes and secure cheaper interest rate caravan loans. ## General Buying Considerations In addition to finance considerations, buyers need to consider practicalities as well as compare camper trailer and caravan loans. Issues such as a vehicle suitable to tow the RV, ease of handling and towing, the size, facilities offered and storage of the vehicle when not in use. [Specialist RV websites](https://www.caravancampingsales.com.au/ "Explore Caravan Camping Supplies") can provide a range of articles and advice to assist buyers in selecting the right RV to suit their plans. ## Compare Camper Trailer and Caravan Loan Types A range of lending sources are available for financing RVs – finance companies, banks, dealers, manufacturers and broker-style lenders like Jade. We provide a comprehensive service in covering more lenders to deliver the cheapest rates and most suitable loan options. The variations in the market can be with the loan format, the rate, the terms and conditions and the approval guidelines. By handling the entire process, we find the loan that best suits you and your vehicle. The good news is that our Secured Caravan Loan will suit both new camper trailers and all variations in caravans. This secured format loan allows the RV, regardless of type and model, to be the collateral against the finance. Many buyers will not need to provide additional security. Fixed monthly payments are made over the fixed term. Where a camper trailer or caravan is not deemed suitable security by a lender or if the buyer does not offer the vehicle as security, buyers can consider an Unsecured Personal Loan. This also can be used for both camper trailers and caravans. ## Compare Camper Trailer and Caravan Loan Interest Rates The interest rate offered on loans for both camper trailers and caravans will be based on the lender’s assessment of the individual application. With used RVs, the age and condition of the vehicle are considered as part of that assessment. But in general terms, the creditworthiness of the applicant and the strength of security and financials will be the key determinants of the rate offered. The amount being borrowed can also impact the rate offered. To reduce the amount required, buyers may consider paying a larger deposit. While the determining factors may be fairly standard in consumer finance, the interest rates offered on caravan loans are not. Rates vary across the lender market as can be seen in our comparison table. As specialists in the RV market, we cover more than 80 lenders to ensure we secure the cheapest rates for our customers. The type of vehicle – camper trailer or caravan, typically would not impact the interest rate offered on the loan. ## Calculate Repayment Comparisons With loan types and rates the same for loans on camper trailers and caravans, the price point may be the key differential in finance. Comparing the options for each type of RV can be done easily with our [Caravan Finance Calculator](/loan-calculator "Calculate Caravan Repayments"). Buyers simply need to obtain price estimates for each of the vehicles they are considering and they can start using our calculator. It is available as an online tool so can be used from any device with online connectivity. The price for the camper trailer or caravan plus any extras that are wanted, can be used as the loan amount in the calculator. The rate, as mentioned above, can vary for individual buyers. To calculate estimates, use our current cheap rates as a guide. The term may be the number of years you would like to repay the loan – this will be subject to lender approval. Once all the fields are completed, an estimated monthly repayment amount is shown. If you’re concerned about [caravan finance poor credit](/bad-credit "Compare Camper Trailer and Caravan Loans") options, it’s worth exploring lenders that cater to this need. Complete the process for each of the camper trailers and caravans on your wish list to compare the loan options. Note, that the calculator has no memory, so you will need to write down the results obtained for each of the makes and models calculated for comparison reference. Comparing loan options with our calculator is easy and obtaining quotes specific to your requirements is also easy – just phone Jade Caravan Finance. **To compare camper trailer and caravan loans, contact Jade Caravan Finance for quotes.** *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.* **Categories:** Caravan Buying Articles --- ### [Caravan & Camping Shows & Expos - NSW](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-camping-shows-expos-nsw) **Published:** October 18, 2015 **Author:** Publisher **Content:** ## A rundown on events in NSW One of the best ways to check out the latest model releases, updates, and accessories in person and find everything you need for caravanning in one place is to visit an exhibition. There is a full calendar of expos, shows and events held annually throughout NSW in both Sydney and regional areas. ## Sydney Supershow The Caravan and Camping Industry Association NSW hosts some of the largest shows, including the Sydney Caravan, Camping, RV and Holiday Supershow, which has become a ‘must attend’ event for thousands of caravan enthusiasts. Over the years, this show has grown to enormous proportions. It now boasts over 300 exhibitors with the latest in caravans, motorhomes, campervans, camper trailers, holiday parks, fifth wheelers, slide ons, tents and camping equipment, parks and sites, accessories – everything you need to kit yourself out for a fantastic adventure. The Supershow is held at the Rosehill Racecourse in April over nine days; the next show is 9th-17th April 2016. This is an extremely popular show, so it is best to plan your visit well ahead – you may need a few days to cover all the exhibitors you want to visit! Tickets can be purchased online from the show website, which also details the seminar programme, accommodation options and information about travelling. The show provides free parking on site and a free shuttle bus service from Parramatta Station and Parramatta Wharf to connect with ferries from Circular Quay. What could be easier? Check the [caravan camping website](http://www.caravan-camping.com.au/sydney-supershow "Find Caravan Camping Information") for more details, and make a MUST ATTEND note in your diary now! ## Newcastle Caravan, Camping and Holiday Expo For those in the Hunter region, the Newcastle Caravan, Camping and Holiday Expo is for you. Held in February each year at the Newcastle Entertainment Centre and Showground, the expo attracts over 180 exhibitors. Mark the date – Friday 5th to Sunday 7th 2016 and check out the latest models across the leisure vehicle market – caravans, campers, motorhomes, camper trailers, plus all the latest in camping equipment and holiday parks and the latest in gear, accessories and know how. Tickets are only $15 for adults, and children under 16 years accompanied by adults are free. It is a dog-friendly event, so it is a perfect outing for the entire family. For more information, check out the website [caravan camping nsw](https://www.caravancampingnsw.com/ "Click here for Caravan Camping in NSW"). ## Penrith Caravan, Camping and Holiday Expo Later in the year, in September, it’s time to check and head to Penrith for the Penrith Caravan, Camping and Holiday Expo at the Penrith Panthers Exhibition Centre. Another great show was held over three days, featuring over 160 exhibitors in a sensational, well-planned location. The timing is perfect to catch up on information and equipment in time for the Christmas holiday season. ## South Coast Caravan, Camping and Holiday Expo For avid enthusiasts, complete novices, and just the ‘generally interested’ located in southern NSW, the South Coast Expo is for you. Held over three days in November each year, the South Coast show is the perfect opportunity to see over 100 exhibitors and talk to the experts about your caravan, camping and holiday requirements. For show details and ticketing, [check out the website](https://www.supershow.com.au/ "check out the website"). ## Other Regional Shows In addition to the major shows and expos hosted by the Caravan and Camping Industry Association, several smaller regional shows are held each year by other organisers. The Coffs Coast 4WD Caravan Camping Show is held in Coffs Harbour in June each year with over 100 exhibitors. For upcoming dates and details, [check out](https://www.truelocal.com.au/business/grimmo-promotions/coffs-harbour). Grimmo Promotions is also the organiser of the Central Coast 4WD, Caravan, and Camping Show. In 2015, it was held in September at the Mingara Recreation Club in Tumbi Umbi and featured over 110 exhibitors. I think it’s worth a look if you are in the area. For [upcoming dates and details](https://10times.com/company/grimmo-promotions). While the internet is sensational and convenient as a great source of information, it doesn’t match the personal experience of attending an expo, where you can talk to the experts about your specific requirements and inspect a wide range of equipment and vehicles in one place. Don’t forget to have your mobile device handy. At the same time, you visit the show to quickly access the Jade Caravan Finance Calculator to calculate a quick ballpark estimate of repayments when something catches your interest. Then, when you’re ready to purchase, speak to a [Jade Caravan Finance Consultant ](/ "Expert Caravan Finance Guidance from Jade")to organise your loan. Why not talk to us before you head to the expo and manage pre-approved caravan loans? **Categories:** Industry News --- ### [Caravan & Camping Shows & Expos - Queensland](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-camping-shows-expos-queensland) **Published:** October 18, 2015 **Author:** Publisher **Content:** ## A run down on events in Queensland Nothing beats visiting an expo or show to check out the latest model releases, updates, and accessories in person and find everything you need for your caravan and camping adventures. For Queenslanders, several shows and events held annually are worth diarising right now. Caravanning Queensland, the industry body that brings together the Caravan Trade and Industries Association of Queensland and the Caravan Parks Association of Queensland, organises many excellent events yearly. ## Queensland Caravan, Camping & Touring Supershow The Supershow is an annual event that has been running for nearly 50 years and attracted over 55,000 visitors to see the products and information presented by hundreds of exhibitors. The show is held in June each year at the Brisbane Showgrounds. It includes displays, information and demos covering caravans, campervans and motorhomes, camper trailers, off-road vehicles, camping equipment and accessories, and a wealth of information on tourism and holiday destinations in the Sunshine State and throughout Australia. The 2016 Supershow is scheduled for 8-14 June, and information on getting there, ticketing, and exhibitors can be sourced at [www.caravanqld.com.au](https://www.caravanqld.com.au/) ## Pre-Christmas Caravan & Camping Expo In addition to the June Supershow, Caravanning Queensland also holds the annual Pre-Christmas Expo later in the year. The event is strategically scheduled to allow manufacturers and dealers to clear stock before the new year and give customers an excellent opportunity to gear up for the holiday season. In 2015, over 100 exhibitors presented and displayed clearance and sale stock and showed upcoming 2016 models. This is a ‘must attend’ event for everyone interested in caravans and camping. The 2016 event is scheduled for 27-30 October 2016, and you can source more details at [www.caravanqld.com.au](https://www.caravanqld.com.au/) ## Gold Coast Events For those further down the coast, Caravanning Queensland also notes a possible Gold Coast Caravan and Camping Expo to be held in March 2016. Please check-in at the[ caravan qld website](http://www.caravanqld.com.au "Caravan QLD Official Website") for more updates on this event. ## Explore Australia Expo In 2015, a new expo arrived on the scene – Explore Australia Expo. Held in March at the Manly Boat Harbour in Queensland, this exciting show outgrew the venue in its first year. Such was its popularity. The Explore Australia Expo is billed as an outdoor leisure exhibition that brings together the elite of the outdoor industries and overlapping communities. The collection covers premium 4WD, camping, fishing and outdoor adventures with exhibitors, displays and other happenings. The next Expo will be held 2-4 September 2016 at the much larger venue of Doomben Racecourse in Brisbane. Don’t forget to have your mobile device handy. At the same time, you visit shows to quickly access the [Jade Caravan Finance Calculator](/calculator "Jade's Caravan Finance Estimation Tool") to calculate a quick ballpark estimate of repayments when something catches your interest. Then, when you’re ready to purchase, speak to a Jade [Caravan Finance Specialist](/ "Caravan Finance Experts Near You") to organise your loan. Why not talk to us before you head to the expo and manage a pre-approved loan **Categories:** Industry News --- ### [Caravan & Camping Shows & Expos – South Australia](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-camping-shows-expos-south-australia) **Published:** October 18, 2015 **Author:** Publisher **Content:** ## A rundown on events in South Australia Avid fans and novices know well that attending expos and shows is the best way to see all the latest caravan releases, gear, equipment and accessories. They offer superb opportunities to see a whole of suppliers in one place for easy and convenient comparisons on the spot. Expos also run seminars and presentations by leading experts, so they are a great place to update your knowledge and a source of valuable information to enhance your caravan experience. The peak industry body in South Australia is the Caravan and Camping Industries Association of South Australia, which runs several annual expos. The annual South Australia Caravan and Camping Show was held in February 2015 at Adelaide Showgrounds, and Let’s Go Caravan and Camping Super Sale was born 30 July – 2 August 2015 at Adelaide Showgrounds. At the time of writing, no dates were advertised for upcoming shows, so keep an eye on the association’s website and Facebook page to stay in touch and know when event information is released. [www.caravanandcampingsa.com.au](http://www.caravanandcampingsa.com.au "Click here to explore Caravan and Camping SA") ## Travel to Interstate Shows While only a few significant shows are scheduled for South Australia, just across the border in Victoria, there is a more extensive calendar of events, so why not plan a road trip to coincide with the interstate expos? ## Victoria Expos The industry association body, Caravan Industry Association Victoria, hosts three significant shows annually in Melbourne, Bendigo and Wodonga, with other shows in Melbourne, Yarrawonga and Geelong. The largest is the Victorian Caravan Camping and Outdoor Supershow, which will be held at the Melbourne Showgrounds from 24-29 February 2016. all ticketing information can be found [here](https://www.caravanqld.com.au/). The Border Expo in Wodonga is held in August, so keep an eye on the association’s website and Facebook page for details. The Bendigo Leisurefest Expo is held in November at the Bendigo Racecourse. It features over 200 new caravans, camper trailers, campervans, motorhomes, pop tops, tent trailers, off-road vehicles, and plenty more to entertain the whole family. The Geelong Caravan, Camping and Outdoor Living Show is scheduled for 21-24 January 2016 at head for the Geelong Showgrounds and Caravan, Camping and Outdoor Living Show in Yarrawonga, 11-13 March at ## Yarrawonga Showgrounds Another large Victorian show is the Explore Australia Expo, which was held in May 2015 at Melbourne Showgrounds and covers a broader field of outdoor living than just caravans. Keep an eye on the [organiser’s website](https://www.facebook.com/exploreaustraliaexpo/) for details of the 2016 events. ## New South Wales Events Of course, one of the largest annual caravan expos is the Sydney Caravan, Camping, RV and Holiday Supershow hosted by the Caravan and Camping Industry Association NSW. Held at the Rosehill Racecourse, the next show is 9th-17th April 2016, and you can expect to connect with over 300 exhibitors with the latest in caravans, motorhomes, campervans, camper trailers, holiday parks, fifth wheelers, slide ons, tents and camping equipment, parks and sites and accessories. The show websites offer a wealth of information on travel and accommodation [https://www.supershow.com.au/](https://www.supershow.com.au/ "Find Super Show Tickets and Info") ## Queensland Events If planning a more extended trip, why not take in the Queensland Caravan, Camping & Touring Supershow? An annual event running for nearly 50 years, the show is held in June each year at the Brisbane Showgrounds. The 2016 Supershow is scheduled for 8-14 June, and information on getting there, ticketing, and exhibitors can be sourced at [www.caravanqld.com.au](http://www.caravanqld.com.au "Click here to access Caravan QLD") Don’t forget to have your mobile device handy. At the same time, you visit shows to quickly access the Jade [Caravan Loan Calculator](/loan-calculator "Caravan Finance Planning Tool") to calculate a quick ballpark estimate of repayments when something catches your interest. Then, when you’re ready to purchase, speak to a Jade [Fast Caravan Finance Approval](https://www.jadecaravanfinance.com.au/ "Speedy Caravan Loan Approval") to organise your loan. Why not talk to us before you head to the expo and manage a pre-approved loan? Keep our number on your phone to make a quick call for a quick quote so you can make a fast deal! [Contact Us](/contact-us) **Categories:** Industry News --- ### [Caravan & Camping Shows & Expos - Victoria](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-camping-shows-expos-victoria) **Published:** October 18, 2015 **Author:** Publisher **Content:** ## A rundown on events in Victoria Expos and shows offer excellent opportunities to see the latest caravan model releases, updates, and camping and caravan accessories from large and small manufacturers and dealers in one place. The shows often cover everything you need for your caravan and camping adventures. Victoria has several significant shows throughout the year, covering Melbourne and regional areas. ## Victorian Caravan, Camping and Outdoor Shows The industry association body, Caravan Industry Association Victoria, hosted three major shows in 2015 – the Victorian Caravan Camping and Outdoor Supershow at the Melbourne Showgrounds in February, the Border Expo in Wodonga in August and the Bendigo Expo in November. The largest by far is the Supershow, which includes hundreds of exhibitors displaying products and equipment plus seminars and entertainment covering a massive outdoor area and large indoor pavilion at Melbourne Showgrounds. The 2016 Supershow will be held on 24-29 February, and all ticketing information can be found at the [caravan show](http://www.caravanshow.com.au "Get Tickets to the Caravan Exhibition"). The Bendigo Leisurefest Expo is held in November at the Bendigo Racecourse. It features over 200 new caravans, camper trailers, campervans, motorhomes, pop tops, tent trailers, off-road vehicles, and plenty more to entertain the whole family. Three days to satisfy the interest of the most avid fans. For 2016 dates and details, check out Leisurefest. The Border Caravan and Camping Expo is held in Wodonga each year in August and is the premier industry event for north-east Victoria and southern NSW. The website is highly informative, with visitor and exhibitor information, travel tips, and ticketing. ## Melbourne Leisurefest Caravan Trade & Industries Association of Victoria (CTIAV) and the Victorian Automobile Chamber of Commerce (VACC) team up to present Melbourne Leisurefest in October at Sandown Racecourse. Now in its 9th year, this show brings together an impressive showcase of RV, camping, touring, off-road and fishing products and equipment. This is an actual family event with activities, entertainment, and the serious stuff of checking out the latest model releases. Keep an eye on the website for 2016 dates, ticketing info and exhibitor details: [www.melbourneleisurefest.com.au](http://www.melbourneleisurefest.com.au) ## Caravan, Camping and Outdoor Living Shows The Geelong Caravan, Camping and Outdoor Living Show date to note is 21-24 January 2016 and head for the Geelong Showgrounds. Tickets are $17 for adults, available at the gate. Highlights will include comprehensive displays of products and equipment with the latest releases of caravans, motorhomes and RVs and an impressive array of camping gear and equipment. Plus, there are plenty of rides, carnival activities and entertainment to keep the kids happy while you check out your next purchase! If you miss the Geelong show, catch the next Caravan, Camping and Outdoor Living Show in Yarrawonga, 11-13 March at Yarrawonga Showgrounds. ## Explore Australia Expo – Melbourne Another great show to keep an eye out for is the Melbourne leg of the Explore Australia Expo. Held in May 2015 at Melbourne Showgrounds, this expo covers a broader field of outdoor living than just caravans, with plenty of displays and exhibitors to appeal to everyone interested in [caravan finance rates of interest](/interest-rates "Explore Caravan Financing Rate Details."), caravanning, camping, 4WDs, fishing, and outdoor adventures. Don’t forget to have your mobile device handy. At the same time, you visit shows to quickly access the Jade [Caravan Loan Repayment Calculator](/calculator "Caravan Financing Payment Calculator.") to calculate a quick ballpark estimate of repayments when something catches your interest. Then, when you’re ready to purchase, speak to a Jade [Caravan Finance Consultant](/ "Caravan Loan Specialist") to organise your loan. Why not talk to us before you head to the expo and manage a pre-approved loan? Keep our number on your phone to make a quick call for a quick quote so you can make a fast deal! [Contact Us](/contact-us) **Categories:** Industry News --- ### [Caravan & Camping Shows & Expos – Western Australia](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-camping-shows-expos-western-australia) **Published:** October 18, 2015 **Author:** Publisher **Content:** ## A rundown on events in Western Australia Caravan and camping expos and shows are an excellent way to see the latest releases, compare your shortlist or wish list, update your knowledge base, share tips and hints with the experts and have a great day’s outing for the entire family. For West Australians, the highlight of the expo calendar is the annual RAC Perth Caravan & Camping Show so mark the date in your diary now – Wednesday, 16th March to Sunday, 20th of March 2016, at Claremont Showgrounds. ## Something for All Outdoor Enthusiasts This massive show caters to caravans, campers, RVs and all outdoor enthusiasts in one display. With 48,000 visitors to the 2015 show – that’s proof that this show is not to be missed. Organisers expect over 450 caravans to be displayed at the 2016 show, nearly 150 campers and as a result of feedback from 2015 show visitors, the display of tents is being expanded for 2016. ## Show Highlights While many will head to the show to inspect caravans and other vehicles for potential purchase, there are plenty of other attractions for everyone. Equipment demonstrations are always popular, as are the cooking demos with plenty of recipe ideas to satisfy your appetite quickly and efficiently while away on a caravan or camping holiday. An informative seminar programme is always a highlight of the Perth Show, and you should get your tickets early so as not to miss out on your choice. Previous Shows have included sensational clinics and demonstrations on driver safety tips on towing and very helpful demos on topics such as getting your vehicle out when bogged. ## Family Entertainment The Perth show is designed for the whole family, with children under 16 admitted free when accompanied by an adult and plenty of activities to entertain them. Rock climbing and face painting are just some of the previous year’s entertainment plus great competitions in putting up tents with sensational prizes to be won. ## Visitor Information The show’s website is highly informative, covering all the details you require to get yourself there and what to do when you get there. You can purchase tickets online, and Transperth offers travel deals for those travelling by train. For those travelling by car, off-site parking is available at Graylands Hospital, with a free shuttle bus service to get you to the show. So keep an eye on the caravan and camping show website for more details as they are released. ## Interstate Shows If you miss the Perth show but are planning a trip to the eastern states, check out our articles on caravan shows in NSW, VIC, SA and Queensland. Here are some of the biggies:- - Sydney Caravan, Camping, RV and Holiday Supershow, Rosehill Racecourse, 9 -17 April 2016 - Victorian Caravan Camping and Outdoor Supershow, Melbourne Showgrounds, 24-29 February 2016 - Queensland Caravan, Camping & Touring Supershow, Brisbane Showgrounds, for 8-14 June 2016 Don’t forget to have your mobile device handy. At the same time, you visit shows to quickly access the Jade [Caravan Finance Calculators](/calculator "Click Here for Caravan Financing Assistance Tools") to calculate a quick ballpark estimate of repayments when something catches your interest. Then, when you’re ready to purchase, speak to a Jade [Caravan Financing Broker](/ "Caravan Financing Assistance") to organise your loan. Why not talk to us before you head to the expo and manage a pre-approved loan? Keep our number on your phone to make a quick call for a quick quote so you can make a fast deal! **Categories:** Industry News --- ### [What’s coming – New VW Camper](https://www.jadecaravanfinance.com.au/blog/industry-news/whats-coming-new-vw-camper) **Published:** November 22, 2021 **Author:** Publisher **Content:** We recently posted an article about buyers heading online in lieu of not being able to view RVs at cancelled caravan shows and we see that VW is already offering online ordering for their upcoming new camper. The new [VW Caddy California](https://www.volkswagen.com.au/en/models/caddy-california.html "Check out the VW Caddy California model") is due for delivery to Aussie buyers early next year and is only available for purchase via the company’s online website. Small and compact and ideal for a couple or single wanting to explore and travel with ease and simplicity. Purchase a VW Caddy California with ease and simplicity and source your finance the same way through our Jade Caravan Finance online lending service. ## VW Caddy California Camper: Features Campers offer many significant benefits over caravans for a lot of buyers. For starters you don’t need a separate towing vehicle, as you’re an all in one unit. The Caddy is a smaller van so it only requires a standard driver licence unlike towing a caravan which may require a higher level licence and definitely advance driving skills. So what’s in this great little camper? The key features in your home away from home include:- - Seating for 5 (2 front, 3 rear) and sleeping accommodation for 2 people. - Diesel powered engine: 4 cylinder turbo-diesel, with 90 kW power - 7 speed dual clutch auto - Long wheelbase with a small van appeal and driveability - Leather wrapped steering wheel - Touch screen 8.25” display, Apple CarPlay, Android connectivity - Climate control with dual zones - Seats fold into a double bed – easy to set-up - Curtains darken the windscreen, tailgate and doors - Panoramic sunroof is optional - Under-seat drawers for storage plus rear window storage bags - Fold-out table, two chairs - Ventilation vents - Optional free-standing tent - Travel assist system - Adaptive cruise control While this camper does not include a kitchen or bathroom, it allows owners to customise what they need to suit their requirements. The addition of a basic cooler or refrigeration unit may suffice for food stuffs and simple cookers can be purchased. Sourcing locations to stay where facilities are available can easily be done – also online! Ordering your VW California Camper can be done online where you can check out all the pics to see exactly what you will be getting in this nifty little machine. Prior to ordering, speak with us to secure your finance. ## Securing Your Camper Finance Our [Secured Caravan Loan](/secured-caravan-finance "Discover Collateral-Backed Caravan Financing Options") is available for all types of RVs and caravans and that includes camper vans. Some may ask if a campervan comes under a car loan or caravan finance, but at Jade we classify a campervan in our caravan finance category. A Secured Caravan Loan is quite a straightforward personal loan in its structure and format. The VW Caddy camper will be accepted by our lender as the guarantee or security against the loan. Our consultant will source you the [cheapest rv interest rate](/interest-rates "Find the Most Affordable RV Loan Interest Rates") loan available based on your loan application details. We are accredited with multiple banks and lenders and will be covering a vast section of the leisure vehicle lending market in securing your quote. The rate we secure for you will be fixed for the entire term of the loan. With a fixed rate and a fixed term, the result is a fixed monthly repayment. So while you’re away travelling your loan remains the same. No deposit finance is available on new camper so the full purchase price can be included in the loan amount. When ordering a camper with optional extras, including them in the order will allow them to be included in the loan. With the VW we note the optional sunroof and tent. Pre-approved finance is available. This allows you to apply and secure your loan prior to placing your order. Smart and sensible. Very few people will want to place an order for goods without being assured they have the means to pay for them. With the VW Camper, we note that delivery is some months ahead. So what happens with your loan application? If you secure finance now, when do you start making payments – before receiving the goods? Our lender does not pay for the goods until receiving an invoice from the supplier and that is when a loan comes into effect. Pre-approved loans do have an active timeframe. However, in the current climate we are seeing many instances of buyers have reasonable wait time for delivery and we have ‘work arounds’ for these circumstances. Speak with your Jade consultant about establishing a plan for you to secure your finance now and take delivery of your new VW California in a few months time In order to apply for a secured caravan loan you will need to meet the guidelines as set out by under the consumer credit laws. These include being over the age of 18, having a source of income/employment and provide details of employment, residential status and other relevant details. Once you have provided our consultant with the information required for the loan application, we can handle the quote sourcing, negotiating, paperwork and liaising with VW when settlement time arrives. So avoid FOMO and get in now to apply for your finance and place your Caddy California order. **Contact Jade Caravan Finance on 1300 000 003 for a quote on finance for a VW Caddy California Camper** *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.* **Categories:** Industry News --- ### [Support for RV Buyers and Now Support for Tertiary Students](https://www.jadecaravanfinance.com.au/blog/industry-news/support-for-rv-buyers-and-now-support-for-tertiary-students) **Published:** October 13, 2022 **Author:** Publisher **Content:** Jade Caravan Finance provides support for RV buyers with the [best secured caravan finances](/secured-caravan-finance "Explore Top Collateral-Backed Caravan Financing Options"). But many may not be aware that we also facilitate support for tertiary students through our associated business, Jade Finance Australia. **Support for tertiary students is made possible by way of a $5,000 scholarship from Jade Finance Australia in conjunction with Jade Caravan Finance**. The 2022/23 scholarship has launched and applications are now open. The scope of the scholarship is broad in both the students eligible to apply and in the content of the application submission. To apply for this support for tertiary students, applicants submit a 800 word, original written response with relevance to the finance and lender sector. The choice of topic is completely left to the individual applicant as with this scholarship the objective is to nurture original and innovative thought. Applicants are strongly urge to draw on knowledge acquired and on their own initiatives to develop innovative and exciting ideas and approaches. The response which most impresses the judging panel of finance experts will be awarded up to $5000 scholarship towards study expenditure. With fees for many courses increasing and the general costs of living skyrocketing, such an award will be highly valued by many students, both part and full-time. While finance may be considered a topic exclusive to certain courses, this scholarship is open to students in all fields of tertiary study, subject to the criteria. Students may be studying at TAFE, university, college or another higher education establishment. As long as it is a recognised Australian education provider, the student may be eligible. If you know a student that fits the profile, why not share the link with all the details and this article with additional ideas of what to consider covering in the written submission. ## Tertiary Student Support Scholarship The official application form and details on criteria for eligibility is available on the Jade Finance website. The key points are essentially:- the scholarship is open to part-time and to full-time students; one year of study is completed and enrolment in the course is current and continuing; study at a recognised Australian education provider; original written response comprising approximately 800 words to be submitted; topic of choice with relevance to the lending industry. Applications must be received by the deadline of July 18th 2023. The winning application will be decided by 31st July 2023. The scholarship award comprises an amount of up to $5000 towards the costs of study. ## Written Response Overview The approach we’ve taken with the written component of the application allows for a great range of ideas to be canvassed around the general theme of finance and lending. Students in many courses, faculties and study areas can submit their take on what they consider could be improved from many angles. The role of the [RBA](http://www.rba.gov.au "Visit the Reserve Bank of Australia (RBA) Official Site.") was cast heavily into the spotlight during the pandemic and into 2022 with historic rate cuts followed by numerous rate hikes as inflation soared. This quite historic scenario, given the circumstances, could present an interesting range of issues to be discussed. Also significant and worth considering could be the role of government and regulatory bodies in lending. Consumer finance is regulated by [ASIC](http://www.asic.gov.au "Visit the Australian Securities and Investments Commission (ASIC)") but business finance is not as heavily regulated. Is there too much or too little regulation? Should the lender or the borrower take responsibility? Is there too much or too little protection for both or either party? The structure and format of finance and loan products may also spark interest. Are the current products still fit-for-purpose in contemporary business environment? Many loan products still have the same structure that was established a very long time ago. Is there a more innovative format? The digital environment has facilitated convenience for both borrowers and lenders. But it has also created vulnerabilities through potential cybercrime. Where should responsibility for this lie? Are there possible solutions through the further use of technology or should some paper-based methods be reinstated? Climate policy and reducing carbon emissions is a major priority for many people on a global scale. Some lenders have moved to introduce ‘green finance’ options and support for those purchasing EVs and other alternative fuel equipment and vehicles. But how can this be further developed? These are just a few musings to get the thought process started. Students can explore a vast range of issues in preparing their response. ## Share the Opportunity Jade Caravan Finance is established on a business model for saving customers time and money with [cheaper caravan interest rates](/interest-rates "Find More Affordable Interest Rates for Caravan Loans"). Through this sponsorship award as part of our community support program we aim to assist students to save on their costs. We trust you will share this information with education providers, teachers, lecturers, tutors and with students to ensure as many as possible have the opportunity to participate. **Jade Caravan Finance, supporting RV buyers and students** *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.* **Categories:** Industry News --- ### [Buying After a Caravan Show? Finding cheapest RV Finance](https://www.jadecaravanfinance.com.au/blog/industry-news/buying-after-a-caravan-show-finding-cheapest-rv-finance) **Published:** October 30, 2022 **Author:** Publisher **Content:** The caravan manufacturing industry has had its share of challenges over the past few years as a result of the pandemic. The surge in demand for new caravans with borders closed and record interest rates for RV finance available happening at the same time as lockdowns resulted in long delivery times. But if the response and results from the 2022 caravan shows is anything to go by, the industry is on the up. The show schedule was back in force with fantastic attendances at both the major events such as the [Rosehill Supershow](https://www.supershow.com.au/ "Visit the Brisbane Caravan and Camping Exhibition") and [Brisbane Caravan Show](https://www.caravanqld.com.au/show/ "Visit the Brisbane Caravan and Camping Exhibition") as well as the smaller, regional events according to reports. Manufacturers launched many exciting new models onto the market at these shows, which present great opportunities for RV buyers to easily inspect multiple options in the once place. Buyers can also take advantage of shows to place their order, if they have arranged pre-approved caravan finance. Many buyers go down this path as it can present a range of benefits including being in a position to order and possibly negotiate on price. But there are always more cautious buyers that choose to reflect on what they’ve seen for a bit longer before proceeding with their purchase. If that sounds like you, then it could be time for committing to a purchase in time for the upcoming summer holiday season. For buyers requiring finance, there is another compelling reason to expedite the process – interest rates. The RBA Board will meet on 1 November to make its decision about the next rise in the cash rate. With the 0.25% rise in October the Board stated that it could be expected that further rises would be necessary and expected. When the RBA lifts the cash rate the decision typically signals lending rate increases across multiple sectors. If you’re wondering how much delaying applying for finance after another rate rise may look in terms of possible [RV finances](/rv-finance "Explore Financing Options for Your Recreational Vehicle (RV)"), use our [Caravan Finance Calculator](/loan-calculator "Use Our Caravan Financing Calculator Tool"). Vary the interest rate to see how the change is reflected in the estimated repayment outcome. **For buyers that waited until after recent caravan shows to place their order, now could be time to apply for RV finance before the next interest rate rise.** Convinced it’s time to apply and buy? Here’s some important information you need to know about RV finance. ## RV Finance Options Most buyers of new caravans will suit a [Secured Caravan Loan](/secured-caravan-finance "Discover Collateral-Backed Financing for Your Caravan"). This loan type is suited to all types of new caravans and RVs including traditional designs, off-road models, toy haulers, camper trailers, mobile homes, campervans, micro vans, pod vans and all the other exciting models available on the Australian market. This secured loan format is extremely easy to understand, even for those that don’t consider themselves overly proficient in finance. The caravan is accepted by the lender as the guarantee or security as it’s known against the finance. When arranging this type of loan, we offer a fixed interest rate and fixed finance term. This results in a fixed monthly finance repayment figure for our customers. All three elements remain fixed and unchanged over the term of the loan. That is regardless of what happens with the RBA cash rate decisions and interest rates in general. So if you confirm finance at the interest rate we can achieve for you today and the RBA announces a cash rate rise at its next meeting and lenders respond with rises, the fixed interest rate on your loan will not alter. That is great peace of mind for buyers, especially those that may be planning that lengthy, much-deserved caravan tour. To further assist buyers, no deposit RV finance is available, subject to lender approval of individual applications. By opting for this, caravan buyers can include the total price of the caravan and possibly a range of options and accessories, in the loan amount. Those extras may include extra water tanks, off-road upgrades, extra solar capabilities, awnings, additional storage or upgrading to the luxe interior décor option. Just as most caravan manufacturers allow buyers to ‘build’ their van to suit their travel stye, our consultants assist buyers by tailoring the RV finance to best suit their requirements. ## Interest Rates on RV Finance Increases in interest rates have been implemented in many lending markets as a result of the RBA’s decisions to lift the cash rate. How and when banks and non-bank lenders do react to such decisions will be based on their specific approach and outlook. [Interest rates for caravan loans](/interest-rates "Explore Caravan Loan Interest Rate Details") do vary across the market as can be clearly seen in the selection of lenders that we have displayed for comparison purposes. What can also be seen is how we are continuing to achieve better rates in the current rising rate environment. Buyers should be aware that interest rates that lenders display are typically applicable for new goods and for loan applicants that have a good credit score. Each application is assessed on an individual basis and the interest rate and loan offer made on that assessment. Our consultants negotiate to achieve the best rate and the best loan conditions for customers. The holiday season is fast approaching and we are assisting buyers to arrange their caravan finance to facilitate their purchase through our fast approval process. Saving precious time in confirming finance to enable buyers to confirm their purchase and start making travel plans. So if you put off that buying commitment while at a caravan show and now wish to proceed, please contact us to discuss your requirements and request a finance quote. **For fast finance approvals, contact Jade Caravan Finance 1300 000 003 for finance.** *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.* **Categories:** Industry News --- ### [Preparing for Start of 2022 Caravan Shows](https://www.jadecaravanfinance.com.au/blog/industry-news/preparing-for-start-of-2022-caravan-shows) **Published:** January 3, 2022 **Author:** Publisher **Content:** After being wiped out for much of the last two years, it is fantastic for caravan buyers and enthusiasts to have a great calendar of 2022 caravan shows to look forward to. But there’s not much time to wait or waste as the first shows of the year are only weeks away. Genuine buyers that intend to use the shows to check out ranges, compare models and talk deals with manufacturers need to be ready to sign on the dotted line. Existing caravan owners that could be in the market for an upgrade also need to be prepared to commit. We provide information on the 2022 caravan shows for the first quarter of the year and hints and tips for securing caravan finance prior to the show for buyers to be prepared to commit. Stock availability has been a major issue for manufacturers over the past two years and buyers will want to be in a position to act quickly to secure what makes and models are available for immediate delivery. ## Victorian Caravan Shows The Geelong Outdoor Living Show kicks off the Victorian show circuit on 21-23 January at Geelong Showgrounds. This show is closely followed by the Melbourne Outdoor Living Show on 18 to 20 February at Event Central in Caribbean Park Scoresby which brings all that Geelong offers to central Melbourne. Information and ticketing can be reviewed at the [event website](https://www.outdoorlivingshow.com.au/ "Visit the Outdoor Living Show Website"). These shows are billed as pet friendly and family friendly with over 100 sites and plenty of parking. Food and entertainment will be available along with show specials. If you miss those or just want more, head to Mornington Racecourse on 10-13 March for the [Mornington Great Outdoor Expo](https://www.greatoutdoorexpos.com.au/ "Experience the Great Outdoor Expo in Mornington"). A 3 day showcase of all things caravan and more! The latest caravans, hybrids, campervans, camper trailers as well as 4WDs and fishing gear. If you love the outdoors then this is the place to be in early March. ## NSW Shows NSW residents don’t have to wait long either with the [Newcastle Caravan, Camping and Holiday Expo](https://www.caravanexpo.com/ "Discover the Newcastle Caravan, Camping, and Holiday Exhibition") set for the Entertainment Centre and Showground in Newcastle on 4-6 February. Another big 3 day show with 160 exhibitors. As a CCIA NSW event, visitors are assured that all the RV exhibitors are licensed as NSW Motor Dealers. This is a great protection for buyers when it comes to warranties and guarantees. Just a few hours drive from Sydney and from west and north locations so a convenient show to get to for many in NSW. For those in southern NSW and northern Victoria, you may like to plan a visit to the Albury Caravan Camping 4WD and Fish Show from 25 to 27 March at the Albury Showgrounds. Run by Rural Scene,[ tickets](https://www.ruralscene.com.au/) are only available onsite. Come April and it’s the big show of the year for the caravan industry – the [NSW Caravan, Camping and Holiday Supershow.](https://www.supershow.com.au/ "Explore the Supershow for Caravans, Camping, and Holidays in NSW") It’s all on this year at Rosehill Racecourse from 19 to 24 April and a not-to-be-missed event for buyers and enthusiasts.Six full days of caravan action and once again a CCIA show with the buyer protections as mentioned above. This major Sydney show is a true destination event so don’t forget to book accommodation or site at your preferred caravan park well in advance if visiting from intra or interstate. ## Queensland Shows For Queensland caravan fans and those visiting the sunshine, there are two shows in March to catch. The Let’s Go Gold Coast Caravan and Outdoor Expo from 4-6 March at Metricon Stadium and the [4×4 Outdoors Show](https://4x4show.com.au/Brisbane/ "Visit the 4x4 Outdoors Show Website") and Fishing and Boating Expo at Brisbane Showgrounds from 18-20 March. The Gold Coast show is run by Caravanning Queensland and tickets must be purchased online. The Brisbane 4×4 show offers another three big days with thousands of products to check out. ## South Australia Shows The 9-13 February is an early year treat and diary date for SA caravan enthusiasts with the Let’s Go Caravan and Camping Show on at the Wayville Showgrounds in Adelaide. Run by the SA caravan industry association, this promises to be a [major event](https://www.caravanandcampingsa.com.au/) for those in the area or travelling through. ## Western Australia Shows WA caravan enthusiasts can mark 23-27 March in their diary for the Perth Caravan and Camping Show at the Claremont Showground. Tickets to this event must be [pre-purchased online.](https://caravanandcampingshow.com.au/) ## Show Prep With all shows across Australia, COVID guidelines and restrictions will be in place, so visitors should keep checking the event website for any changes and for ticketing instructions. The show essential for genuine buyers is of course the [Pre-approved Caravan Loan](/approval "Discover Your Pre-Approved Financing for Caravans"). Jade Caravan Finance is open and available to get your loan organised and approved in advance to your attendance at any of the shows. The pre-approved loan would be for our [Secured Caravan Loan](/secured-caravan-finance "Explore Collateral-Backed Caravan Financing Solutions") and attract our current[ cheap caravan interest rates](/interest-rates "Explore Collateral-Backed Caravan Financing Solutions"). So get in fast and get your loan arranged so you can capture the caravan of your choice at your choice of show. There are plenty more shows scheduled for the rest of 2022 and we’ll check back with the schedule and post more information during the year. **To arrange a pre-approved caravan loan, contact Jade Caravan Finance on 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.* **Categories:** Industry News --- ### [Hitch up for Gold Coast Caravan Expo](https://www.jadecaravanfinance.com.au/blog/industry-news/hitch-up-for-gold-coast-caravan-expo) **Published:** February 22, 2022 **Author:** Publisher **Content:** It’s now only weeks away from the Gold Coast Caravan Expo and that means it’s time to do two important things – book your show tickets and arrange your caravan finance. This is always a hugely popular event and in 2022 the interest and attendance are highly likely to swell as so many caravan enthusiasts have been unable to travel to Queensland due to recent lockdowns and border closures. With all these restrictions gone, there is sure to be a cavalcade of RVs heading north. Attracting a great number of visitors to a show has many advantages. More exhibitors are keen to be involved so buyers get a better selection of displays. But the downsides can be tickets in high demand and strong competition from buyers for available stock. Keen RV buyers attending shows like the Gold Coast Caravan Expo can put improve their chances of securing low-availability models with a pre-approved caravan loan. Pre-approved finance is arranged prior to placing the order and is a great strategy for show attendees who are serious about ordering at a caravan show or expo. We give you the information you need to know about the GC show and pre-approved [caravan finance](/ "Explore Financing Options for Caravans") so you are ready to place your order. ## Gold Coast Caravan and Outdoor Expo: Details The [Gold Coast Caravan Show](https://www.caravanqld.com.au/events/gold-coast-caravan-and-outdoor-expo/ " Visit the Caravan Expo on the Gold Coast") will be held over 3 big days, 4 to 6 March, at the Metricon Stadium on Queensland’s Gold Coast. Opening hours are 9am-5pm on the Friday and Saturday and 9am-4pm on the Sunday. Tickets are only available online and are very reasonable at $14 for adults, $12 for concession and children who are of school age and accompanied by an adult are free. With some COVID-19 conditions still in place in Queensland, it’s worth checking in with organisers to ensure you’re across the requirements and what proof of vaccination you may need to show at entry. Keen buyers may need all of those 3 days to see everything they’re interested in, as there are over 100 exhibitors listed to display their products at the show. Due to individual business circumstances, a few brands such as New Age and Jayco are reportedly not attending, but many other big names will be ready to show their latest and greatest models. Along with the well-known brands such as Viscount, Avida, [Supreme](https://www.supremecaravans.com.au/), Bushtracker and Regent, to name just a few, plenty of lesser-known and new brands also join the line-up. This could be a great opportunity to get to know brands like Harvok which we recently showcased and Boss. Motorhomes will be well-presented with Avan, [Frontline](https://www.frontlinecamper.com.au/ "Discover the Frontline Series") and Horizon on the list. Campers, including slide-outs, will be well-represented with Cub, Ultimate, Traycon and others exhibiting. In addition to the models and equipment on display, there will also be masterclasses in towing and weighing. Important skills that every RV owner needs to master. ## Pre-Show Buying Preparation To assist those attending caravan shows and either specifically intending to place an order or think they may consider buying at the show, our Jade Caravan Finance team have provided our show buyers’ guide. Information on what prospective buyers can do well prior to arrival at the show increases the possibilities of securing a great deal at the event. It’s widely known that stocks of caravans in general have been in short supply due to the surge in demand caused by COVID-19 travel restrictions. While some manufacturers report catching up with production schedules, some models may still have long delivery times. Buyers that commit immediately rather than have to go away to arrange finance are clearly going to be ahead in the queue for delivery. ## Show Attendee Guide – Our Top Tips: - Check out the exhibitor list ahead of time and plan who you definitely want to catch up with. There are over 100 companies attending so having a plan can ensure you don’t miss your preferred brands. If possible, arrange appointment times for a personal inspection and buying discussion with the representative. - Bookmark our [Caravan Finance Calculator](/interest-rates "Access Our Caravan Loan Calculator Tool") on your phone web browser for quick access. Some caravan manufacturers now offer finance. But it may not be as good a deal as you can secure through Jade. Entering the loan amount in our calculator will give you a quick estimated repayment figure for an immediate comparison. - Add Jade Caravan Finance 1300 000 003 into your phone contacts to access quick quotes. - Source price guides from manufacturers ahead of time for the pre-approved finance application - Apply for pre-approved caravan finance. This is the most important step if you are serious about buying at a caravan show. It allows you to know exactly how much you are approved for and be in a position to negotiate on price and sign the purchase contract. After signing the contract, simply call your Jade consultant to give the go-ahead to finalise the finance. Pre-approved caravan finance is available on our [Secured Caravan Loan](/secured-caravan-finance "Explore Collateral-Backed Caravan Financing Options"), which is a suitable form of finance for all new RVs, caravans, campers, hybrids and motorhomes. The caravan show season for 2022 is off to a great start, so get in touch with us about pre-approved finance and hitch up and head to the GC for this great event. **Contact Jade Caravan Finance on 1300 000 003 for pre-show caravan finance.** *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.* **Categories:** Industry News --- ### [Tickets Now Available: Brisbane 4x4 Outdoors Show](https://www.jadecaravanfinance.com.au/blog/industry-news/tickets-now-available-brisbane-4x4-outdoors-show) **Published:** February 28, 2022 **Author:** Publisher **Content:** The late February deluge of rain and flooding along the east coast and in Brisbane may cause delays for caravan enthusiasts heading north for the March Queensland caravan shows. But thanks to online services, prospective visitors can still get themselves organised en route. Tickets for the Brisbane 4×4 Outdoors Show are now available online as are pre-approved camper trailer loans so prospective buyers are ready to order at the show. The caravan show calendar has been cut back significantly due to COVID-19 impacts in 2020 and in 2021. Adding to the woes for many keen show attendees, border closures and restrictions effectively shut them out of the Sunshine State. So the 2022 caravan and outdoors show program offers a great opportunity to combine a northern tour with checking out some great products and gear. Show visitors seeking a streamlined experience are well-advised to get their pre-show planning and organising sorted. This can include previewing what’s on and for those seriously intending to buy, getting the camper finance sorted. We assist with those initial planning steps with info on the show and how to get a cheap interest rate camper trailer loan arranged prior to arrival. ## Brisbane Show Details The Brisbane 4×4 Outdoors Show is organised by National 4×4 Outdoor Shows a company managed by Exhibitions and Trade Fairs Pty Ltd. These people are experts in trade shows and expos and in the outdoor category they stage shows in Brisbane, Sydney and Melbourne. The Brisbane leg of the 2022 calendar will be over 3 days, 18-20 March. This is just a few weeks after the Gold Coast Caravan Show, so an ideal reason for caravan and camper trailer buyers to head north to attend these great industry events. The 4×4 Show will be held at the Brisbane Showgrounds and tickets are now available to purchase and only online at the [event website](https://4x4show.com.au/brisbane/ "Visit the Brisbane 4x4 Show Website"). Check for the latest COVID-19 conditions on the site also. In addition to caravans and camper trailers, this show also includes tents, camping gear, 4WD models, fishing gear and plenty of accessories to upgrade your camper trailer experience. As with most expos, the Brisbane show includes special show deals and discounts from exhibitors. So visitors can plan, the website includes a Bargain Hunters Guide of what will be available on which show days. ## Key Show Exhibitors With our interest focussed on caravans and camper trailers, we honed in on the exhibitors in those categories and note that [Caravan HQ](https://www.caravanhq.com.au/ "Explore Caravan HQ's Official Website"), Hardkorr Campers, Patriot Campers and Star Vision Campers will all be showcasing their models. Patriot Campers are Australian-made campers, especially built to tackle off-road conditions. Their products include X1-N, X1-H, X1 and X3 models. The X3 is described as a ‘live-in’ camper trailer which is easy and quick to set-up and provides owners with the convenience of a camper trailer and the added attraction of indoor living. Queensland-based, Star Vision Campers is another camper trailer manufacturer which will be displaying in Brisbane. With this brand, think extremely lightweight, easy-to-tow hybrids with very quick set-up. Caravan HQ also headlines the caravan exhibitors. This business has dealership with partnerships with well-known brands such as Network RV, On the Move and Royal Flair. The 2022 model of On the Move’s TRAXX Off Road van will be on display. This is an 18’6” model and the 2022 version is reported to have received a number of upgrades. Add this to your list of ‘must-sees’. ## What’s On at Brisbane Show In addition to products, gear and accessories, the Brisbane show includes a great [schedule of activities](https://4x4show.com.au/Brisbane/whats-on "View the List of Planned Events and Activities") to keep visitors entertained and informed. A highlight is sure to be the presentation of the Camper Trailer of the Year Awards. This will take place at 1.30pm on the Saturday, 19 March, on the Expo’s Outback Stage. Earmark that also. ## Pre-Show Organising Tips Our team at Jade Caravan Finance are well aware of the environment at highly-popular shows and expos. A lot of keen people all vying for time with the latest makes and models. To assist visitors to get organised before they arrive, we’ve prepared a guide of tips and hints that will streamline your show visit and make it easier to place an order for a new caravan or camper trailer at the event. - Keen buyers should contact exhibitors, where possible, prior to the show opening to set a fixed appointment time for an inspection and buying discussion. - Ensure you have the [online Caravan Finance Calculator](/loan-calculator "Utilise Our Online Calculator for Caravan Financing") close at hand (it’s an online resource so you can use from your smart phone) to calculate instant loan repayment estimates on makes and models that attract your interest. - Add our contact number 1300 000 003 to your contacts for a quick call for a quick quote or to start a loan application over the phone. - Apply for pre-approved camper trailer or caravan finance prior to arrival. We provide this service for our [Secured Caravan Loan](/secured-caravan-finance "Discover Collateral-Backed Caravan Financing Solutions") so keen buyers are in a positon to commit to a purchase on the spot. With availability of caravans a major issue recently, the better organised a buyer is to place the order, the faster they are likely to take delivery. 2022 looks set for a great caravan show season with the Queensland events starting the action. So get your tickets, get your caravan loan and enjoy the experience. **Contact Jade Caravan Finance on 1300 000 003 for pre-show caravan finance.** *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.* **Categories:** Industry News --- ### [Caravan Touring Inspiration: Towns to Visit](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-touring-inspiration-towns-to-visit) **Published:** March 13, 2022 **Author:** Publisher **Content:** Part of the process of deciding to purchase a caravan is making plans of where to go. While many will have favourite and bucket-list destinations, some caravan owners will require ideas to consider. As inspiration for those considering caravan touring there are number of sources with suggested towns and areas across Australia. As specialists in RV finance, we like to stay across the latest suggestions to inspire even more people to get involved in the lifestyle that purchasing a caravan can offer. If your plans have been thwarted due to the floods in northern NSW and Queensland, or you just want ideas, we present some suggestions of towns to visit, caravans to consider and how to finance your RV to get those plans underway. ## Town Awards Australia is full of great towns so it is a bold move to announce [‘Towns of the Year Awards’](https://www.wotif.com/vc/blog/top-aussie-towns-2021/ "Explore the Winners fo the Towns of the Year Awards."). But that is what travel booking platform wotif has done. Over the past few years the company announces a list of best Aussie towns. These awards are judged based on a range of criteria which includes the quality and affordability of accommodation. While those issues are not directly relevant to caravan owners who BYO accomm, the list is still worth considering. The top 10 towns as listed by wotif include:- - Port Macquarie NSW: located on the mid north coast, this is a great town with plenty of attractions especially koalas! A good stop-off during a trip north to Queensland or from which to head west. - The Entrance NSW: located on the Central Coast, this is a traditional holiday destination which may have lost some gloss with the development of other towns in the region. But this town is a great place to enjoy many activities. - Hervey Bay, Queensland: a great place to make as a base while you explore the region and plenty in its own right to keep keen travellers interested. - McLaren Vale, South Australia: best-known as one of Australia’s premier wine making regions, this town offers a whole lot more including a great cheese making industry, cycle tracks and a pristine coast while being within reach of Adelaide. - Exmouth, Western Australia: with the WA border now reopened many will be looking west. Once you get there head north up the coast and make a stop at this great place. Enjoy the Ningaloo Reef and the Cape Range National Park for starters. - Lakes Entrance, Victoria: as the name suggests this in the Gippsland Lakes area so there are plenty of water-based activities on offer. Fishing, swimming and kayaking and exploring the local natural environment. - Cairns, Queensland: a very popular destination for caravan tourers as the gateway to so many of Australia’s great natural wonders including the Daintree and The Great Barrier Reef. Inspired? Then it’s time to check out which caravan to purchase. ## Caravan Buying Inspo There are a vast number of considerations when selected a caravan to purchase including where you intend to travel and what level of luxury and amenities you want. The caravan show season is now underway and these events are highly recommended for prospective buyers to attend. Australia has a great caravan manufacturing industry with many makes and models to select from. [Jayco](https://www.jayco.com.au/ "Visit the Official Jayco Website.") is one of the most well-known brands and it has updated a number of its ranges in the 2022 collection. Some of the upgrades include additional features to cater specifically for caravan owners that prefer to stay at free camp sites. A number of the Jayco Outback models now have 200w solar panels as standard and an improved solar system. Other models in the Jayco range have been upgraded with more durable cabinetry and some have more storage. A must-have consideration for those planning long periods on the road. ## Securing Caravan Finance To buy a new caravan to visit these top towns, many purchasers will require finance. Our [Secured Caravan Loan](/secured-caravan-finance "Discover Collateral-Backed Caravan Financing Options") is the most popular loan for new caravans as it suits most people and most caravans. Traditional caravans, off-road models, camper trailers, mobile homes, camper vans, toy haulers and others can all be financed with this type of loan. The caravan is accepted by the lender as the security against the loan. We arrange this loan with a fixed interest rate and fixed loan term. This results in fixed loan repayments which remain constant for the entire loan period. A [fixed caravan loan interest rate](/interest-rates "Explore Caravan Loans with a Consistent Fixed Interest Rate") is especially important at the moment as it is possible that the RBA may increase the cash rate in 2022. The effect of a rate rise would flow through to lending markets. Securing a caravan loan now while the interest rates are at their lowest ever ensures a cheaper loan and lower monthly repayments. While browsing the caravans to buy refer to our [caravan loan repayment calculator](/loan-calculator "Calculate Your Caravan Loan Payments with Our Calculator") for estimated repayments on the different price points. This is a buying essential! Alternatively, just get your caravan loan happening with a quick call to Jade Caravan Finance. Loans can be pre-arranged – pre-approved caravan loans, even before a final decision has been made on the RV make and model. Inspired? Time to give us a call or request a caravan loan quote. **For a caravan loan quote contact Jade Caravan Finance on 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.* **Categories:** Industry News --- ### [Caravan Holidays: Industry Launches Safety Campaign](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-holidays-industry-launches-safety-campaign) **Published:** April 25, 2022 **Author:** Publisher **Content:** With interstate border restrictions now eliminated and with the February/March east coast rain events abating, many caravan owners are ready to hit the road and enjoy caravan holidays and travel experiences that have been ‘on hold’ for some time. While summer is of course the busiest time for holidays in Australia, the April-May period also represents a very popular time to getaway. Easter this year is followed by the Anzac Day long weekend. Presenting a great chance for many to extend their time off over the full two weeks. Autumn in Australia is also a great season for holidays. In many areas the weather is still very warm and ideal for outdoor activities. In others, it has that exhilarating chill in the air. Something many outdoor enthusiasts adore. To enjoy autumn caravan holidays now could be a good time to buy a RV with finance while secured caravan finance interest rates remain low. But as camping and caravan enthusiasts plan to head off the [Caravan Industry Association](https://www.caravanindustry.com.au/ "Visit the Association for the Caravan Industry.") has launched a safety campaign. The association advises caravan and RV owners to take precautions and pre-plan their trip to ensure they have a safe and enjoyable holiday. Recent research by the organisation indicated that there was a ‘pent-up demand’ for travel and 62% of those surveyed thought Australia had been less impacted as a result of the coronavirus pandemic than many other countries. That means more RVs on the road and with many not having the opportunity to get away for some time, a possible increased risk of overlooking some of those basic precautions and safety measures. ## Safety Campaign The industry body has launched a campaign around many issues of safety associated with caravan and RV travel. The information covers the pre-planning stages of the trip; managing fatigue while on the road; the proper use of the rest stops and truck rest areas; preparation of the RV; road-sharing especially with trucks; towing tips; using shared spaces in caravan parks; pool safety and other matters. In a statement posted to their website, the Caravan Association reveals some interesting statistics from Road Safety Research to take notice of:- - Monday and Sunday are when RV users are more likely to be involved in a road crash as this is the popular time for returning from a holiday. - The most likely timing for crashes is 10am to 12 pm. - Crashes are more likely in urban areas but fatalities more likely on regional roads. - The most common reasons for crashes are: rear ends 18%, angle/turning collision 14%; and 13% from losing control. The digital and print materials for the safety campaign involve videos, online quizzes as well as email, social media and other digital content. For more information and access to where to source these materials head to [https://www.letsgocaravanandcamping.com.au/safety/](https://www.letsgocaravanandcamping.com.au/safety/ "Explore Safety Tips on Let's Go Caravan and Camping") ## Towing Guide That website also includes a very handy [Towing Guide](https://www.letsgocaravanandcamping.com.au/safety/downloads/towing-guide-download/ "Check Out the Towing Tips and Advice") to refresh skills for RV owners. As long-term caravan owners know only too well, there’s a lot more to towing a caravan than simply hitching it to your towbar. But with so the surge in caravan sales over the past two years, there a lot more new RV owners on the roads that perhaps do not have that same level of skill, experience and understanding of the risks and implications of towing. Download the guide for more information and consider reviewing your info on towing weights with the National Towing Calculator Matrix. ## Equipping Your New Caravan for Safety When purchasing a new caravan it can be wise to specifically ask the dealer about the accessories and options available to make your RV safer. Both safer on the road and when parked-up. There may be options which can be included at the time of purchase and as such included in your Secured Caravan Loan. With [caravan loan interest rates](/interest-rates "Discover Competitive Rates for Financing Your Caravan.") still at historic lows at the moment, it can be a smart move to include the cost of any accessories in your loan rather than pay for them separately after-purchase. Speak with your Jade Caravan Finance consultant about the possibilities. To see how the cost of any or all safety equipment available may change the repayments on your caravan loan, use our [Caravan Finance Calculator](/loan-calculator "Utilise Our Caravan Financing Calculator Tool") for estimates. This is a very handy buying tool for working out estimates on different priced makes and models and for deciding how you would like your loan structured. Using the calculator can provide guidance around the number of years you would like the loan term and assist with making decisions around opting for a no deposit caravan loan or not. Safety on the roads is a responsibility of all road users. When buying a new caravan, ensure it is up to standard and when travelling, be careful and be a responsible and considerate road user. **Contact Jade Caravan Finance on 1300 000 003 to discuss your caravan loan requirements** *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.* **Categories:** Industry News --- ### [Caravan Travel Inspo: Making plans and how to make them a reality with cheaper RV finance](https://www.jadecaravanfinance.com.au/blog/industry-news/caravan-travel-inspo-making-plans-and-how-to-make-them-a-reality-with-cheaper-rv-finance) **Published:** October 16, 2022 **Author:** Publisher **Content:** We’ve done a number of articles on places to go in a caravan for our News and Tips. But Australia is a big country and there are always more destinations, attractions and locations to add to the inspiration list. But in order to even start thinking about mapping out a route, a caravan will be required and for many buyers that means RV finance. Caravan travellers and holidaymakers have a wealth of choice when it comes to where to go. Some of the basic options start with staying in a holiday caravan park, free camp sites or setting up and stopping off in remote places on your own. Choice of RV will have a bearing on where travellers may be able to go. Holiday parks are great in that they provide the services required for power, water, amenities and usually attractions for the kids. But venture to free or remote sites and the list of must-haves on the vehicle can grow considerably. Off-road vehicles will be required to access many of the more remote areas such as throughout Western Australia. A self-sustainable set-up is also a high priority for some areas, especially if tackling the Nullarbor. If planning longer term travels, a larger, more well-equipped vehicle may be a necessity. All these factors and must-haves may add to the price of the RV. To ensure the cost remains affordable may come down to the actual cost of the RV finance. **Inspiration and aspiration meet reality at Jade Caravan Finance where we offer cheaper RV finance for caravan buyers planning visits to all types of locations.** Cheaper finance may make a higher-priced, larger or better-equipped RV affordable and open up the possibilities of accessing more destinations. ## Freedom and Flexibility The rain events in eastern Australia recently and La Nina making yet a third visit to the continent in recent times, highlights the benefits of caravan travels and holidays. When the target destination is impacted by floods or simply inclement weather, caravanners can easily change plans and head in another direction. Something so easily done when booked into a hotel or other accommodation. With the BOM announcing La Nina is once the main climate driver for eastern Australia, having options with caravan holiday and travel plans this summer season may be a very good idea. It may also mean additional equipment may be required for RV so it has the capabilities to handle conditions which may be encountered. If extras and options are required when ordering a new caravan, speak with a Jade Caravan Finance consultant about how we may be able to incorporate those extras in the loan for the RV. Freeing up funds for those spends on the way. For those wanting a leisurely tour through Australia, the NRMA has some great suggestions with its [Sloway Route](https://www.nrma.com.au/sloways/#suggestedSloways "Discover the scenic Sloway route."). It offers possible routes through most states and territories with stop-offs and points of interest. Big 4, Discovery Parks and NRMA are also resources to source caravan parks to stop along the way. For free camping sites, [Free Camping Australia](https://www.freecampingaustralia.com.au/ "Explore Cost-Free Camping Options in Australia") may be a useful resource. For the truly adventurous embarking on that bucket-list around Australia tour, why not play the [Nullarbor Golf Course](https://www.nullarborlinks.com/course "Visit the Golf Course on the Nullarbor Plain"). This is something else for golfers as the course is an 18 hole, 72 par course covering 1,365 kilms from Kalgoorlie to Ceduna and can be played in either direction. Definitely an experience to impress fellow golfers back at the home course 19th! ## RV Selection Planning where you intend to holiday or travel in an RV will have a bearing on the type of vehicle to purchase. Hybrids are especially designed with narrower width to better manage trails and tracks. Off-road models come in varying levels of capabilities. Speak with the manufacturer or dealer about where you intend to go, to ensure the vehicle being acquired is suitable to tackle the terrain. Being independent and self-sustained while on the road can be a big plus. Consider the solar power system included in the package is sufficient to go the distances you plan to cover. Ditto on the fresh water and grey water tanks. Longer trips can require more belongings taken along. Ensure the storage is adequate for the requirements and that the towing vehicle has the capacity to safely tow the extra weight. ## RV Finance For many caravan buyers, RV finance will be required to make those travel and holiday plans a reality. When a larger vehicle or extras are required, cheaper finance may ensure that the upgraded model remains affordable. The first step to achieving cheaper RV finance is to source the cheapest interest rate caravan loan. [Caravan loan Interest rates](/interest-rates "Explore Interest Rates for Caravan Loans") and in some cases the types of loans available for caravan finance vary across the banks and lenders active in the leisure market. We focus on achieving the cheapest rate and offering a fixed interest rate on our [Secured Caravan Loan](/secured-caravan-finance "Discover Collateral-Backed Financing for Your Caravan"). The cheaper rate means a cheaper overall loan and total investment in the RV. The fixed rate ensures that the interest rate will not be affected by changes by the RBA and lenders during the finance term. It also means the RV finance repayments remain constant. Our caravan finance is suited to all types of new RVs including traditional, hybrid, camper trailers, mobile homes, campervans, off-road and slide-ons. So whatever vehicle is required for the trails and roads you’re inspired to travel, contact us for the finance to make that purchase. **When inspiration to own a caravan is sparked, contact Jade Caravan Finance 1300 000 003 for finance.** *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.* **Categories:** Industry News --- ### [Destination Tasmania? Need to know changes to Spirit of Tasmania](https://www.jadecaravanfinance.com.au/blog/industry-news/destination-tasmania-need-to-know-changes-to-spirit-of-tasmania) **Published:** October 30, 2022 **Author:** Publisher **Content:** One of the great advantages of owning a caravan is being able to visit so many great locations with your own accommodation in tow, literally. For many caravan enthusiasts, touring Tasmania is a real highlight as the state offers some of the most amazing attractions and destinations. Getting to Tasmania is facilitated by the Spirit of Tasmania which transports visitors across Bass Strait. But this iconic crossing has announced changes on the Victoria terminal side of the voyage that travellers should be aware of so as not to miss the boat. **For those that are planning to tour Tasmania in their caravan there are important operational changes to the Spirit of Tasmania to be aware of**. We advise of the new arrangements, provide inspiration from [Tasmania’s tourism](https://tasmania.com/ "Learn more about Tasmania's vibrant tourism industry") experts for prospective new caravan buyers and the need to knows around caravan finance to make that purchase happen. ## Changes to Spirit of Tasmania Terminal The Spirit of Tasmania transports people and vehicles from Victoria to Tasmania. On the Victorian side, there is a change to the departure point. As of 23rd October 2022, the ship will depart from the new terminal which is located in Geelong. This is a change from the previous location at Station Pier in the Port Melbourne. The address for the Geelong Terminal is 136 Corio Quay Road in North Geelong. The last departure for Devonport from Port Melbourne was schedule for 7.30pm on Saturday 22 October. For those doing the Tasmania-Victoria leg, the return voyage on Sunday 23 October at 8am was scheduled for Devonport to Geelong. From then on, all the sailings of the Spirit of Tasmania will be Geelong-Devonport-Geelong. This will mark a major milestone for operators and passengers. The new quay provides great facilities for passengers including ample parking with areas undercover, easy access, lounge area, café and even a play area to keep the children amused. For all the specific details on getting to the new [Spirit of Tasmania Quay](https://www.spiritoftasmania.com.au/geelong-terminal/getting-to-spirit-of-tasmania-quay "Explore the Spirit of Tasmania Quay and its offerings") at Geelong, use this link. ## About Spirit of Tasmania The Spirit of Tasmania an iconic experience for travellers to the apple isle. It makes the state accessible for travellers that choose to take their vehicle with them to enjoy a great road trip by car or caravan around the state. Plus enjoy an overnight cruise as an added bonus experience! The service operates two ships which depart nightly and in peak season, daily. Once aboard, passengers enjoy magnificent facilities with spacious areas, deck areas to enjoy the views and fresh air and very comfortable cabin accommodation. When booking tickets, caravan travellers will need to advise the details of their vehicle so the appropriate space can be allocated for that sailing. Read the booking details closely and ensure you tick the right box in regard to your RV. There are separate details for motor homes and campervans compared with towed caravans. Domestic pets are also welcome on the Spirit! While on the Spirit of Tasmania, travellers don’t stay/sleep in their RV, they are accommodated in one of the 222 cabins or other options. Fares include the vehicle, the passengers and the accommodation option. Fares are by quote. Fares may vary based on seasonal and other fluctuations. When on board, passengers can enjoy dining and bar facilities, two cinemas and at some times, live music. So plenty to keep you entertained. ## Touring Tasmania On arrival at Devonport and disembarking, passengers rejoin their caravan and head off to explore Tasmania. The tourism website offers plenty of suggestions for where to go and what to see including self-drive itineraries already mapped out. The state is renowned for its food and wines as well as history and natural environment. So plenty to experience and lap up. ## Inspired to visit? If you’re inspired to visit Tasmania on the Spirit of Tasmania in your own caravan, then you may require finance to make the purchase. There are a myriad of different RVs available to choose from – traditional style caravans in many sizes and levels of luxury and comfort; campervans; camper trailers; toy haulers; hybrids and other models. While it may be quite a task to select the type of vehicle, make and model, the task of arranging caravan finance can be far easier and straightforward when requesting us to handle it for you. For starters, the one loan type – [Secured Caravan Loan](/secured-caravan-finance "Discover Caravan Financing with Collateral-Backed Loans") is suited as finance for all types of RVs. Next, our consultants handle sourcing the cheapest interest rate quote from across our vast selection of lenders. You will notice how [interest rates for caravan loans](/interest-rates "Explore Caravan Loan Interest Rate Information") for purchasing caravans do vary and those small variations can add up when calculated over the full term of the loan. So achieving the cheapest interest rate is essential to keep the costs of the caravan purchase as affordable as possible. When the quote is accepted, we handle the paperwork to get the application approved and finalise the loan while our customers can start planning their Tasmanian itinerary. The Spirit of Tasmania sailings are a must-do on many caravan owners travel lists. To make it happen for yourself start by speaking with us about caravan finance to purchase your RV. **Contact Jade Caravan Finance on 1300 000 003 for cheaper RV finance.** *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.* **Categories:** Industry News --- ### [If I get caravan finance now, will my interest rate go up with RBA rises?](https://www.jadecaravanfinance.com.au/blog/industry-news/if-i-get-caravan-finance-now-will-my-interest-rate-go-up-with-rba-rises) **Published:** December 4, 2022 **Author:** Publisher **Content:** Purchasing a RV with caravan finance is not a process that many people will have the need to do on many occasions. So when the time comes, it is quite normal for many to have questions around the loan inclusions and especially to do with the interest rate. Interest rates are one of the hottest topics in the media and for many Australians at the moment as a result of the RBA decisions since April 2020. Far more than is usual, every address by RBA Governor Philip Lowe seems to make mainstream news coverage. Coverage of such speeches is usually confined to the finance pages. But lately we’re hearing Dr Lowe’s comments in main news bulletins. When individuals only catch the headlines and not the full context, it can have the potential to lead to confusion. A recent speech delivered at a business group was reported with comments that rates could ‘see-saw’ in coming times. A comment which be confusing for those applying for say caravan finance or considering purchasing a new RV with finance. Many RV buyers may be extremely familiar with car finance and home mortgages but may never have applied for caravan finance previously. There are differences between caravan loans and home loans, especially in regard to interest rates. Understanding how caravan finance interest rates are set and their relevance to the cash rate as set by the RBA may assist buyers in sourcing a loan that best suits their requirements. ## Australia’s Official Cash Rate As part of its remit under law and as part of setting Australia’s Monetary Policy, the [Reserve Bank of Australia](http://www.rba.gov.au "Visit the Official Website of the Reserve Bank of Australia (RBA)") (RBA)has the responsibility to set the official cash rate. The central bank of most countries have this task. The cash rate is not an interest rate that applies to consumer loans or business finance . It is the interest rate which applies to bank borrowings on an overnight basis. Essentially a wholesale rate you could say. But the cash rate does form a foundation or starting point from which lenders will set their own interest rates. In that sense, the cash rate does have significance to caravan finance. The RBA slashed the cash rate significantly as part of COVID stimulus measures and is now currently normalising the rate now that the economy has bounced back from the pandemic issues. As that bounce back also came with a surge in inflation, the RBA is using cash rate rises to address inflation. As most people will know, the RBA Board has increased the cash rate every month since May and has said that more rises will be expected. The next rise is due at the Board’s meeting on the first Tuesday in December. In a recent speech the RBA Governor, Philip Lowe, reiterated earlier comments that the Board was not on a set pathway in regard to rate changes. He said that the Board could return to the larger 0.5% rises or just leave rates unchanged, depending on the data and circumstances at that time. Hence the possible see-sawing commentary which followed that speech. ## How Caravan Finance Interest Rates are Set Banks, finance companies, brokers such as Jade Caravan Finance and other non-bank lenders will use the cash rate as a basis for setting their own interest rates. Each lender will be guided by its own analysts with their own forecasts for the economy and take into account their own costs when setting rates. Some lenders may opt to increase their rates in different markets prior to RBA announcements due to their own forecasts. Some sectors may not see regular rises due to RBA decisions, while others such as the home loan market will see almost immediate changes. Also factored into the rates will be the level of interest each has to operate within a certain lending sector. You may notice that interest rates do vary across different loan types – home, car, caravan and others. Due to the individual aspects associated with setting interest rates, you will also notice variations within each market, including with [Caravan Finance Rates](/interest-rates "Explore Competitive Rates for Caravan Financing"). As we are specialists in the RV finance market, we focus on sourcing the cheapest rates. Note that, the rates that lenders advertise, unless they state to the contrary, will be for new goods (caravans) and for finance applicants that have a good credit rating. ## Individual Caravan Finance Rate Offers With that general overview covered, we will address the key question that many may have – if finance is sourced now, will they face interest rate rises as the RBA announces further increases? That is a very viable question as many will have seen their home loan rates and repayments change every time the RBA raises rates. Rest assured, that does not have to occur with caravan finance. It depends on the type of interest rate which is attached to the caravan finance – fixed or variable. **If caravan finance is secured with a fixed interest rate, the interest rate should not change over the loan term even when the RBA increases the cash rate.** We source our [Secured Caravan Finance](/secured-caravan-finance "Discover Collateral-Backed Caravan Financing Options") with a fixed interest rate which remains fixed for the entire finance term. The same rate and the same repayments that are offered and agreed to when the loan is established will remain unchanged over the entire number of years of the loan. Secured Caravan Finance with a fixed interest rate is the most popular form of finance for new caravans and will suit most buyers. Where a caravan loan has a variable interest rate, then it may change in line with RBA decisions. Some lenders will offer personal loans with a variable rate for the purchase of caravans and RVs. When comparing lenders and loans, buyers should be aware of the type of interest rate and what may be expected over the life of the loan. So to avoid changes to the caravan finance and be able to enjoy many years of travelling without worrying about the loan repayments changing, select caravan finance with a fixed rate which is fixed for the full loan term. **Contact Jade Caravan Finance 1300 000 003 for fixed interest rate caravan finance to avoid changes to repayments from RBA decisions.** *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.* **Categories:** Industry News --- ### [New Age Caravans Celebrates International Certification](https://www.jadecaravanfinance.com.au/blog/industry-news/new-age-caravans-celebrates-international-certification) **Published:** December 4, 2022 **Author:** Publisher **Content:** Regardless of the type or the price tag, when purchasing a new RV buyers will be expecting excellence in quality, especially in regard to the engineering of the vehicle. Caravans are, for most buyers, a long-term purchase and the expectation would be for that to last many kilometres of travelling. One of Australia’s leading caravan manufacturers, New Age Caravans, has recently upped the ante in that regard with its chassis certification. [New Age Caravans](https://newagecaravans.com.au/ "Explore the World of New Age Caravans") announced a milestone in its engineering excellence with global certification of the chassis manufacturing process for all its caravans. The chassis for the brand are designed by the highly regarded Walkinshaw Automotive Group with Hilton Manufacturing handling the manufacturing. According to New Age, Hilton have the highest accreditation of any manufacturer in the RV industry. The chassis for all the models now have global certification in regard to the quality management systems, quality of the welding and other quality requirements. This new certification follows the company completing approval of Australian Design Rules for the whole range. Chris Polites, the MD for New Age Caravans said the company wanted to ensure that the chassis design and manufacture was of the highest quality. Mr Polites said that the international certifications of the Hilton manufacture along with design by Walkinshaw showed the company’s commitment to achieving that quality. New Age considered this level of certification was essential for their brand, although it was not monitored or mandated in the sector. Mr Polites said that their owners should have, when towing their caravan, peace of mind and the chassis was the main connection between road and vehicle. The global certifications that New Age Caravans has attained include:- ISO 90001 (management systems); ISO 3834 (welding); DIN 2303 (quality reqs); and have staff that are accredited welding specialists and engineers. One of the specific measures noted by the company is using a robotic welder which ensures high quality consistency. The testing procedure is extremely rigorous and according to the company, exceeds the requirements but for New Age, is essential. The outcome for buyers is knowing that their New Age chassis meets the highest standards around design, testing and build. The international certification applies to all New Age chassis so buyers can make their selection from the brand’s extensive range. ## New Age Model Range The New Age range of caravans includes:- - Big Red - Desert Rose - [Oz Classic](https://newagecaravans.com.au/products/oz-classic "Discover the Oz Classic Collection.") - Manta Ray - Road Owl MY22 - XU Choice may come down to level of luxury inclusions, off-road capabilities, size and accommodation, or how many toys you want to take with you. Hint – if you’re after a toy hauler, have a closer look at the XU. XU stands for Extreme Utility and this caravan has the space for motorcycles, jet skis, surfboards and other toys and sleeping accommodation for six. It features a very smart exterior design and functionality and style inside. Worth a look for those true adventure seekers. ## Finance for New Age Caravans Of course caravan buyers will be wanting and expecting quality, but the purchase decision for many will also come down to price. Or more specifically, to affordability. That can relate more to the caravan finance than to the price tag. After all, it is the monthly finance repayments that will need to be worked into the budget. **Affordable finance for the purchase of any model in the New Age Caravans range is available at cheaper, fixed interest rates through Jade Caravan Finance.** When engaging us to source their finance, New Age buyers can expect that quality theme to continue through our service offering and our accreditations and certifications. Jade is a licensed credit provider operating under ASIC’s Responsible Lender Guidelines and is a member of FBAA. This ensures our customers that they are dealing with a [reputable caravan lender](/why-jade-caravan-loans "Explore Trustworthy Caravan Financing Providers"). We are accredited with a large number of lenders – banks, finance companies and non-bank lenders. It is these accreditations that enable us to source the cheapest interest rates on caravan loans from across a vast section of the RV finance market. With the RBA set to lift the cash rate again and possibly several times ahead, sourcing the cheapest interest rate and a fixed interest rate loan can be essential to affordable caravan finance. Interest rates already vary across individual markets but those variations can be magnified as lenders make their own decisions around responding to RBA decisions. Having our services to identify which lender is currently offering the [cheapest caravan finance rates](/interest-rates "Discover the Most Affordable Caravan Financing Rates") and being able to negotiate on terms etc can greatly benefit our customers. When considering a New Age Caravan, buyers can use our [Calculator for Caravan Finance](/loan-calculator "Utilise our Caravan Financing Calculator Tool") to receive rough estimates themselves. Or simply speak with us ahead of visiting the New Age showroom for pre-approved caravan finance. **Contact Jade Caravan Finance for cheaper finance on New Age Caravans** *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.* **Categories:** Industry News --- ### [What new year changes to caravan loans can be expected?](https://www.jadecaravanfinance.com.au/blog/industry-news/what-new-year-changes-to-caravan-loans-can-be-expected) **Published:** January 13, 2023 **Author:** Publisher **Content:** January is a time to ring in the new year and for many, start making plans for year ahead. But the beginning of a new year is also the time when there are changes to some prices such as tolls, PBS, government allowances and a raft of other items. The start of the year is traditionally a time for change. **For buyers that are planning purchasing a new RV this year, they may be wondering if there are or if there will be any changes to caravan loans in coming months**. Buyers may need to plan financially quite some time ahead in regard to the purchase of a new caravan. While some models may be available in the showroom and ready for delivery, the usual practice for most manufacturers is the build the vehicles to order. This offers buyers the opportunity to order their RV to their specifications. Options usually include a variety of floor plans to choose from as well as different quality and styles of interior finishes and fixtures and other features. While it is great to have this chance for customising the RV, it can mean a period of time between when the caravan is ordered and when delivery is taken. The lead time will depend on the manufacturer’s order book but may also be dependent on supply chain issues and the availability of labour. Both issues which have caused major delays in manufacturers sectors over the past few years. The relevance of this delivery time to caravan loans is that the loan would not be able to be completely finalised until close to the time that the payment is required. During the time a buyer may take to make their selection and the time it takes to receive the RV, buyers may wonder what changes may happen to caravan loans. To assist those with their 2023 caravan buying plans, we outline what won’t and what may change in regard to caravan loans in coming months. ## Caravan Loan Products The actual type of caravan loans will not change as a result of the new year. The [Secured Caravan Loan](/secured-caravan-finance "Explore Our Collateral-Backed Caravan Financing Options") is a relatively standard format for a secured loan to an individual. The caravan is accepted as the loan security by the lender and the buyer repays the loan in monthly repayments. Secured loans are the most common type of finance for many goods including cars, boats, motorbikes and of course caravans. The format is fairly standard across the lending market though some lenders may have their own guidelines around issues such as the total amount of the loan, the type of interest rate (variable or fixed), and some other loan conditions. When comparing loans from different lenders, attention should be made to the details to ensure they do meet the buyer’s requirements. At Jade, our Secured Loans have fixed terms and a fixed interest rate which result in fixed monthly repayments. Secured loans are extremely suitable for new caravans and some second-hand vehicles where the lender accepts the vehicle as suitable security. Where the vehicle is not accepted as security, buyers can consider an Unsecured Personal Loan. These can also vary across the market in particular in regard to the interest rate and to the loan conditions. In some instances, the lender may request some form of security by way of other property. When sourcing caravan loans for our customers, we have access to many banks and lenders to ensure we are securing the cheapest and the most suitable loan for that individual buyer. ## Caravan Loans – Interest Rates Interest rates on caravan loans is where buyers may see changes in coming months. These changes may need to be guesstimated into the caravan finance. Lenders in the caravan loans sector will make their own decisions around what rates they will attach to their RV finance. But these decisions are typically influenced at least by the interest rate decisions of the Reserve Bank of Australia (RBA). As most will be well aware, the [RBA](http://www.rba.gov.au "Visit the Reserve Bank of Australia (RBA) Website.") increased the cash rate significantly over 2022. All eyes will be on the RBA February meeting to see what decision the Board makes in regard to the cash rate. The December meeting resulted in another 0.25% (25 basis points) increase to rates. But reading the minutes of that meeting, it can be learned that the Board actually discussed the arguments relating to three options. The option of returning to the much higher 50 basis points increase, the option of no change and the 25 basis points decision. With all these options on the table, the Board did state that it expected that further rate rises would be required in the period ahead. Caravan buyers planning ahead can use our [Caravan Loans Calculator](/loan-calculator "Calculate Your Caravan Financing with Our Loan Calculator.") and input different interest rates to get possible repayment estimates. Repayment estimates may be calculated for higher rates down the line, the current rate being held steady and possibly small incremental increases. This may assist in better planning and more easily selecting a caravan priced to suit repayment expectations. Of course, buyers are welcome to have a no-obligation discussion with our consultants as to their upcoming requirements for caravan loans. ## Pre-Approved Caravan Loans Where the delivery time is quite short, buyers can consider pre-approved caravan loans. These loans are quoted and processed through to being approved with a firm loan offer and awaiting finalization at the time of settlement. Pre-approved loan offers have a validity timeframe which we can advise you of at the time of enquiry. So essentially – no change to the actual loan types but changes in interest rates on caravan loans may occur in the coming time period. Time to start make plans and speak with us about your caravan finance. **For cheaper caravan loans, 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.* **Categories:** Industry News --- ### [Be prepared to purchase at caravan shows with pre-approved caravan finance](https://www.jadecaravanfinance.com.au/blog/industry-news/be-prepared-to-purchase-at-caravan-shows-with-pre-approved-caravan-finance) **Published:** January 13, 2023 **Author:** Publisher **Content:** **The first major caravan shows for 2023 are now just weeks away so its time for buyers to start enquiring about and applying for pre-approved caravan finance**. Caravan shows and expos are ideal opportunities to inspect numerous models from different RV manufacturers. Opportunities to compare the features and make buying decisions. Often, there are show specials with discounts available at these events, which can be very generous. Some dealers may even have models that are ready for immediate delivery. Great news for the caravan industry, which has undergone an extended period of very long wait times for delivery to buyers. But being able to buy or order an RV at a caravan show requires being able to pay for it. For most buyers, that will involve finance. Very few astute buyers will want to place a deposit on a vehicle without knowing if a lender would approve them to borrow the amount required and without knowing how much the finance repayments would be for that purchase price. Both those doubts, which may hold buyers back from ordering and may mean missing out on opportunities, can be solved with pre-approved caravan finance. ## Pre-Approved Caravan Finance Pre-approved caravan finance is a very straightforward way to source a caravan loan. It does not attract higher interest rates or different loan conditions compared with a loan that is applied for after the buying decision is made. Pre-approved means that the loan is approved before that purchase. We provide pre-approved caravan finance on our [Secured Caravan Loan](/secured-caravan-finance), the most popular form of finance for recreational vehicles. It is suitable for all types of new RVs – traditional caravans of all sizes, off-road models, camper trailers, toy hauliers, camper vans, mobile homes, hybrids and other variations. With a secured loan, the caravan becomes the security or guarantee for the finances. In most instances, buyers will not need to provide any additional protection. We ensure the interest rate on our secured loans is a fixed rate and that the loan has a fixed finance term. This ensures equal fixed monthly repayments. What does differ between pre-approved and post-purchase loans can be the loan amount. When applying for finance before making the final purchase decisions, buyers will need to know exactly how much the caravan will cost. Many buyers will request that the total purchase price be included in the loan, which we offer with no deposit loans. But that final figure would only be known once the dealer has worked out the invoice based on the buyer’s specifications. Buyers may choose additional extras and accessories or options that add to the base price as advertised. So, when applying for pre-approved caravan finance, our consultants work with our customers to estimate the loan amount to acquire a firm finance quote and offer. When the caravan is ready for delivery, and the invoice from the dealer is supplied, our consultant will amend the loan amount accordingly. If buyers don’t know what extras they may want to include, it can be advisable to over-estimate the loan and then, if necessary, that amount reduced at settlement. Our [caravan finance calculator](/loan-calculator "Utilize our Caravan Financing Calculator.") is a great tool to work out how much any extras may add to the finance repayments. If using the calculator to plan a caravan purchase some months ahead, be aware that interest rates can vary. The rates advertised by lenders are the best for good credit profile buyers for new RVs. The rates can hence differ from one buyer to buyer as we individually assess each application. Interest rates may also vary over time. RBA interest rates may impact lenders’ rates rises, and there could be more increases when the RBA Board meets in February. Offers on pre-approved caravan finance are made for a set period. Within that time, the buyer must action the loan or else the offer expires and would need to be requoted when required. But there is no need for you to proceed so buyers can speak with us and arrange their finances so they are ready to purchase if they find their dream RV at a caravan show. ## First Caravan Shows for 2023 With the pre-approved caravan finance locked in, it’s time to decide which shows to attend. Over the year there are many, many caravan expos and lifestyle shows in the capital cities and in regional areas. Over the coming months we will post details of the calendar of events, but here are a few early year dates to earmark. - [Newcastle Expo: 3-5 February](https://www.caravanexpo.com/ "Check Out the Newcastle Expo from February 3rd to 5th") - [Victorian Caravan, Camping and Touring Supershow](https://caravanshow.com.au/Home "Experience the Victorian Caravan, Camping, and Touring Supershow from February 22nd to 26th.")[:](https://caravanshow.com.au/Home "Experience the Victorian Caravan, Camping, and Touring Supershow from February 22nd to 26th.")2-26 February. - Perth Caravan and Camping Show: 22-26 March Now could be the time to put those RV buying plans into action and speak with us about pre-approved caravan finance. **Contact Jade Caravan Finance for pre-approved caravan finance.** *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.* **Categories:** Industry News --- ### [Forward Planning for Sydney Caravan Supershow](https://www.jadecaravanfinance.com.au/blog/industry-news/forward-planning-for-sydney-caravan-supershow) **Published:** February 22, 2023 **Author:** Publisher **Content:** It’s now less than two months to the gates opening on the 2023 Caravan Camping Holiday Supershow in Sydney. This annual event is a definite on the calendar for RV owners, buyers and enthusiasts and offers 6 full days of activity. If planning to attend, now could be time to start planning and making the necessary bookings for travel and accommodation. **Buyers intent on ordering at the Sydney Caravan Supershow, may wonder how far ahead of the event should they be applying for RV loans with Jade Caravan Finance.** Being ahead of the curve by knowing how much you are approved to borrow and having a rough estimate or a confirmed finance offer before making a selection can be a smart buying approach. We provide tools and resources to assist buyers plan their purchase in advance and a pre-purchase finance option., which we detail in this article. Before getting into the finance details, we update on what’s happening with the Sydney Supershow. ## Sydney Caravan Supershow – Event Details At this point, not a lot of details on the event, including ticket sales, have been released. But visitors can [register](https://www.supershow.com.au/ "2023 NSW Caravan Camping Holiday Supershow") to receive updates as announced. It could be expected that online ticket bookings will become available in coming weeks as the countdown clicks down. The event will be held once again at the Rosehill Gardens Racecourse, in Sydney’s western suburbs from Tuesday 18th through to Sunday 23rd April. The Show opens at 9.30am each day, closing at 5pm each day except for Sunday when it closes at 4pm. Exhibitor listings are yet to be revealed but it would be expected that all the big names in caravans, RVs, camper trailers and other recreational vehicles will be attending. Exhibitors also include suppliers of caravan and camping gear and accessories. Keep an eye out for some of the award-winning products that were announced by caravancampingsales recently. ## Planning Your Stay The show dates coincide with the final week of school holidays and the week leading up to the Anzac Day public holiday. This could put pressure on accommodation in Sydney and be incentive for those coming from regional areas or interstate to make their bookings well ahead. Caravan owners that plan to travel to Sydney for the event, are encouraged to book a caravan park site well ahead to avoid missing out due to the school holidays. A fairly close location to Rosehill Gardens is the [Discovery Parks Lane Cove](https://www.discoveryholidayparks.com.au/caravan-parks/new-south-wales/sydney-lane-cove "Lane Cove, Sydney, New South Wales") holiday and caravan park. A bit further away but a sensational location is NRMA’s Lakeside Park at Narrabeen on [Sydney’s Northern Beaches](https://www.nrmaparksandresorts.com.au/sydney-lakeside/ "NRMA Sydney Lakeside Holiday Park"). Both great caravan parks in Sydney with good connecting roads to access the Sydney Caravan Supershow. Non-caravan owners have multiple options for accommodation close-by to Rosehill in Parramatta and surrounding suburbs. The location is ideal for connection with the Sydney road network from north, south, east and west. Parking is available on site at Rosehill Racecourse for those travelling by car and convenient public transport options are also available. ## Planning Your Purchase with Finance The Supershow is a fantastic opportunity for buyers to conveniently inspect and compare multiple options in the one location and place their order. Show organisers – the Caravan Camping Industry Association, notes that all the RV exhibitors are licensed as NSW Motor Dealers. This is significant in providing buyers with protections such as warranties and dealer guarantees and can provide confidence to purchase. So now for the big question around the timing for show buyers to arrange their finance. Jade Caravan Finance offers a number of options for consideration. First, in the planning stages, buyers can use our [caravan finance calculator](/loan-calculator "Caravan Lending Calculator") to work up ballpark estimates. This can be helpful to estimate the rough difference in repayments of models at different prices. The big question mark at the moment will be around the interest rate. As we’ve seen and heard, the [RBA](https://www.rba.gov.au/ "Reserve Bank of Australia") is continuing to address high inflation with further cash rate rises. Between now and gates opening on 18 April, there will be two more RBA Board meetings. If further increases are announced, these could flow through to the RV finance market. We will of course always be focusing on securing the [cheapest caravan rates](/interest-rates "Caravan Loans Interest Rates") to meet the each customer’s application. What buyers can do in advance is to request quotes and apply for pre-approved finance. Applications can be made for the purpose of getting an indication of the loan amount the buyer would be approved to borrow and to get a confirmed offer. Confirmed offers with pre-approved caravan finance will have an expiry date. Speak with our consultants about exact timing as to when it would be ideal to submit an application. To expedite the process, we can proceed with some of the application requirements. To ensure your finance is secured for ordering at the Sydney Caravan Supershow, have an obligation-free discussion with one of our consultants as to the best way for your application to proceed. The clock is ticking to gates open, so get planning! **To discuss pre-approved finance to order at the Sydney Caravan Supershow, 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.* **Categories:** Industry News --- ### [Latest Reserve Bank Interest Rates Rise](https://www.jadecaravanfinance.com.au/blog/industry-news/latest-reserve-bank-interest-rates-rise) **Published:** March 7, 2023 **Author:** Publisher **Content:** On Tuesday 7 March the Reserve Bank (RBA) raised the cash rate by 0.25%. An increase in March had been expected by the markets and further interest rates rises had been stated as likely to be required by the RBA Board in previous months. The March decision made it 10 meetings straight that the Board has decided to increase the cash rate and it is now at 3.6%. In the statement which announced the Board’s decision, the determination of the Board to reduce inflation down to its target was reaffirmed. Inflation as at January data issued by the [Australian Bureau of Statistics (ABS)](https://www.abs.gov.au/ "Australian Bureau of Statistics") is 7.4%, down 1% on the December figures. To put that figure in perspective for what the RBA is working to achieve, their target is in the range of 2-3%. According to the RBA, further interest rate increases are expected to be required to achieve the target and also to make sure that this period of high inflationary pressures is only temporary. That may be interpreted as the central bank signalling another increase in April. But comments were then made by the Governor of the Reserve Bank, Philip Lowe following the March meeting, that a pause in the increases could be getting close. For caravan buyers with plans to make their purchase with caravan finance, consumer finance interest rates usually trend in line with RBA decisions. **With an expectation that caravan finance interest rates will rise following the latest RBA decision, buyers can source cheaper loans with Jade Caravan Finance.** To assist buyers considering finance to obtain a fuller understanding of the reasoning behind the RBA’s latest increase and its outlook, we have provided a summary of the March Monetary Policy release and a speech delivered by Dr Lowe on 8 March. ## Monetary Policy Statement – March The [RBA Monetary Policy Statement](https://www.rba.gov.au/media-releases/2023/mr-23-07.html "Statement by Philip Lowe, Governor: Monetary Policy Decision") for March 2023 can be read in full at the Reserve Bank website. Some of the key comments in the statement are:- - 25 basis points increase to the cash rate. Lifting the rate from 3.35% to 3.6%. - Though moderating, global inflation is still at very high rates. - Subdued forecast for the global economy. - Inflation rate in Australia peaked in December. Expectation for the prices for goods to moderate as a result of demand domestically weakening and global conditions. - Due to the strong demand seen in certain sectors on seasonal basis, inflation in services prices is still very high. The Board specifically noted price of rentals. - The Board forecasts that inflation will decline this year. The 3% rate is forecast to be reached in 2025. - Below trend economic growth in Australia is expected in the years ahead. - The Board is acutely aware of the possibility that a prices-wages spiral could emerge in Australia, but sees it at a lower risk, despite the wages growth. - The Board sees uncertainty in the when and by how much Australia will see a slowdown in spending as a respond to the rapid rise in interest rates globally is showing in the global economy. - The expectation is that further monetary policy tightening, that is, more rate increases, will be required. ## Comments by Dr Philip Lowe While the monetary policy statements are traditionally quite brief and more detail on Board discussions won’t be available until the release of the minutes, Dr Lowe provided valuable insights the day after the March decision. Dr Lowe delivered the [keynote address](https://www.rba.gov.au/speeches/2023/sp-gov-2023-03-08.html "Inflation and Recent Economic Data") at the AFR Business Summit and covered the economy, inflation and monetary policy. While some may be interested in reading the full speech transcript, we have extracted a few key comments that relate to interest rates. - Australia must ensure that the current inflation period is only temporary. Higher rates and unemployment would be experienced if high rates of inflation do persist. - Reserve Bank is committed to doing what is needed to ensure inflation is only temporary. Dr Lowe highlighted that the tool the Reserve Bank has at its disposal to achieve this is – interest rates. - While high inflation is a negative legacy from the COVID-19 pandemic as well as Russia invading Ukraine, the positive outcome is lower unemployment in Australia. - In determining the cash rate decision each month, Dr Lowe explained that the Reserve Bank Board manages the dual risks of moving too quickly and of not doing enough. - The Board now considers interest rates are in ‘restrictive territory’. Dr Lowe said that conditions were now closer to being appropriate to announce a pause in interest rates increases. ## Caravan Finance Interest Rates – Considerations Banks and non-bank lenders in the caravan finance market will typically lift their rates following the Reserve Bank decisions. But variations across the market will continue to be seen and Jade will continue to offer [cheaper rates on finance](/secured-caravan-finance "Secured Caravan Loans | Jade Caravan Finance") for all types of caravans. Prior to purchasing, buyers can familiarise themselves with how new caravan prices may translate to estimated loan repayments at the latest rates, using our [finance calculator](/loan-calculator "Caravan Lending Calculator"). **For cheaper interest rates on caravan finance, 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.* **Categories:** Industry News --- ### [BUYING A CARAVAN? NEW REGULATIONS TO CONSIDER](https://www.jadecaravanfinance.com.au/blog/industry-news/buying-a-caravan-new-regulations-to-consider) **Published:** July 11, 2023 **Author:** Publisher **Content:** New regulations for caravan manufacturers come into effect from 1 July, which the Caravan Industry Association of Australia (CCIA) described as the most significant change in legislation for the sector in over three decades. While the bill for stricter laws for compliance has been in development for quite a few years, many buying a caravan may need to be made aware and may be caught unawares. The laws relate to the Motor Vehicle Standards Act (MVSA/RVSA) and require all road vehicles under the Act to be approved and listed on the Register of Approved Vehicles by 1 July this year. This is necessary before they can go on the market. The stricter laws aim to increase the quality and safety of Australian-made and imported RVs and reduce unacceptable vehicles being manufactured. The rules are seen as making it harder for unreliable and less credible manufacturers to supply RVs into the market. The regulations replace the self-certification process with a system that requires more excellent accountability paperwork and is more like an automotive approvals process. Manufacturers will need to have approval from the Federal Government. The issue for buyers is that reports have it that many manufacturers and importers need more time to be ready to be compliant with the RVSA/MVSA rulings by the July deadline. If buyers purchase a vehicle that is self-certified and not approved under the new rulings, reports are that the car may need to be registered. ## CCIA Statement – New Regulations Back in March, the [CCIA](https://www.caravanindustry.com.au/ "Visit the CCIA Official Website") posted an article on their website on this topic, noting that approvals for MVSA must be provided by the 30 June deadline. The report explained that after 1 July, when the transition period to the new system ended, manufacturers that offer vehicles in the Australian market for the first time must have the cars compliant with the ADRs and suitable for Australian roads. ## New Regulations from 1 July – what it means for caravan buyers According to a recent article in the RV media, despite the deadline for the roll-out of these new laws being extended by a year, it is anticipated that many manufacturers will not yet be compliant. Many of the major brands on the Australian market have, of course, been ready for RVSA for, in some cases, over a year. However, it is feared that many aren’t ready, which could mean buyer issues. Buyers who unwittingly purchase a non- RVSA compliant vehicle won’t be able to get registration. The process is quite detailed for manufacturers, and an industry figure reportedly commented that some may not be able to complete the process. To register an RV, buyers need to submit the vehicle’s VIN, which needs to correspond with the Type Approval on the Government’s database. If the manufacturer has not completed the RVSA process, the buyer cannot register the vehicle. Apparently, for many purchases, the dealer will register vehicles for buyers before delivery. But if a buyer has been waiting ages for delivery and then finds the car is not registrable….a very problematic scenario may arise. When purchasing a car already registered, buyers may be wise to ask if the vehicle is Type Approved to ensure the quality and safety is up to standard. The vehicle may have been registered before the new regulations were enacted. A tip from experts is for buyers to check for Type Approval by the separate number shown on the build plate. Alternatively, buyers can search the register for the VIN to check if it does meet the current regulations. When buying a caravan, buyers should be aware of new regulations that took effect on 1 July and check with the dealer to ensure the RV can be registered. If buyers are awaiting delivery of a vehicle and when considering models in a showroom, the big question to remember to ask the dealer is if the car is compliant with the new RVSA regulations. For more information, buyers can contact The [Department of Infrastructure](https://www.infrastructure.gov.au/infrastructure-transport-vehicles/vehicles/rvs/contact-us "Access Information from the Department of Infrastructure"), Transport, Regional Development, Communications and the Arts. ## Buying a Caravan With Finance – How We Assist When buying with [camper finance](/motorhome-loans "Loans for motorhomes") through Jade Caravan Finance, our consultants assist buyers with much of the paperwork and the usual checks, such as PPSR for used vehicles. The PPSR is the personal property security register and shows if goods are already under finance. However, buyers should check for RVSA before paying a deposit or committing to a purchase. We assist buyers by sourcing [cheap caravan finance rates](/interest-rates "Find Affordable Rates for Caravan Financing Here"), negotiating finance for affordable caravan loans from across our many lenders, and assisting with settlements with the dealer. For more information on how we may help with your purchase, please get in touch with us for a no-obligation discussion. 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. I’D LIKE TO LET YOU KNOW THAT LIABILITY IS ACCEPTED FOR ANY ERRORS, PRODUCT DESCRIPTION VARIATIONS, OR OTHER MISREPRESENTATIONS OF INFORMATION AS PRESENTED. **Categories:** Industry News --- ### [Will the Fall in Inflation Deliver Good News on Interest Rates?](https://www.jadecaravanfinance.com.au/blog/caravan-finance/will-the-fall-in-inflation-deliver-good-news-on-interest-rates) **Published:** May 12, 2023 **Author:** Publisher **Content:** The Australian Bureau of Statistics (ABS) released the latest monthly and quarterly inflation data on April 26. The news is essentially optimistic, with the annual rate dropping from 7.8% to 7%. Though prices in some service categories continue to show, inflationary pressures remain. The big question is whether this good news will continue when the Reserve Bank (RBA) Board meets on May 2 to decide on the subsequent interest rates. The connection between interest rates and the rate inflation is widely known. Soaring inflation is at the core of rising rates. The RBA intends to return the rate to its target of 2-3%. At the same time, 7% is still a long way from that target. The decision for the Board will be whether to continue with further rate rises as previously indicated would be required or to pause rates as it did in April on the back of signs inflation is easing. That April pause was made to allow more information, including the March Quarterly CPI data, to be obtained. While the overall result, the fall in the annual rate, is positive, the devil for the RBA could be in the detail. The detail of where price increases are still strong and if it considers the previous rate rises have the desired effect. If there is a decision to increase the cash rate, this may flow through to caravan finance interest rates. A factor that may affect purchase plans for some buyers. What may also be relevant to those purchase plans is the ABS detail on which categories are easing and which are not. This may provide indications of possible easing in the costs of living and increase affordability for purchasing a new caravan. We’ve summarized several of the main points in the ABS March CPI reports to assist buyers in better understanding the current environment and help with purchasing decisions. ## **March Inflation Data – ABS** The monthly CPI figures for March and the data set for the entire quarter were released on April 26. Monthly reports can be skewed by factors unique to that month, such as severe weather events and seasonal holidays. So, the reporting tends to focus on the quarterly results. For the [quarter ending](https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/mar-quarter-2023) March 31, there was a rise of 1.4% in inflation. But the annual rate still declined 7%, as mentioned above. March represented the third month with consecutive easing in inflation. According to the Bureau’s head of prices statistics, Michelle Marquardt, there were price increases in most goods and services categories. But as Ms. Marquardt notes, the increases were below those recorded in recent quarters. The main points include the following: – - The annual inflation rate is 7%, and the quarterly increase is 1.4%. - The categories that recorded the most significant increases were medical and hospital, tertiary education, gas and household fuel, and domestic holiday travel. - Goods inflation eased, but services inflation recorded high rates. - Price rises for new dwellings eased, and Ms. Marquardt said this was due to an easing in materials and supplies pricing and decreased demand. - Rents saw the largest rise since 2010. Ms. Marquardt said the start of-year reset of the Medicare Safety Net and the resulting assessment of fees by medical providers and premium increases by health funds accounted for the sharp rise in the medical sector. The start-of-year fee indexing explained the increases in tertiary education. Food remains a pivotal contributor to inflation. As Ms. Marquardt explained, the wet weather in the latter part of last year resulted in a shortage of potatoes. This led to price increases for snacks made from potatoes. The weather event also impacted fruit prices, which severely affected vital growing regions. While still high, food price increases have dropped on December quarterly data. Households continue to be pressured by high electricity and gas prices. Due to the easing of global crude prices, fuel prices decreased for the period. The primary trend to note is the difference between goods and services inflation. Services inflation increased to 6.1% in the latest quarter. Above the 5.5% recorded for the December quarter. Goods inflation continues to ease. ## **Relevance for Caravan Finance Interest Rates** How the latest inflation figures impact interest rates will be revealed with the [RBA](http://www.rba.gov.au/) May 2nd decision. Judging by market forecasts and comments from the big banks and leading economists, the decision could be difficult. Reports have the market virtually evenly divided between a pause and a 0.25% rise for May. The fall in the annual rate could influence the decision to pause, while the continuing situation in services inflation may indicate further rises are required. **For RV buyers requiring finance, the CPI data may highlight the need to engage with specialists at Jade Caravan Finance for cheaper caravan finance interest rates.** We specialize in RV finance and achieving [Caravan Loan cheaper rates](/overview-of-personal-caravan-loans) across our [Caravan interest rates](/overview-of-personal-caravan-loans) **With inflation still high, buyers can achieve more affordable caravan finance with cheaper interest rates through Jade Caravan Finance.** *DISCLAIMER: THE DETAILS AND INFORMATION IN THIS CONTENT ARE PREPARED AND PRESENTED PURELY FOR INFORMATION AND ARE 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.* **Categories:** Caravan Finance --- ## Pages ### [Caravan Finance | Cheap Caravan Loans - JADE](https://www.jadecaravanfinance.com.au/) **Published:** October 19, 2023 **Author:** Publisher --- ### [Secured Caravan Loans | Jade Caravan Finance](https://www.jadecaravanfinance.com.au/secured-caravan-finance) **Published:** October 25, 2023 **Author:** Publisher --- ### [RV Financing - RV Loans](https://www.jadecaravanfinance.com.au/rv-finance) **Published:** October 23, 2023 **Author:** Publisher --- ### [Travel Trailer Loan](https://www.jadecaravanfinance.com.au/travel-trailer-finance) **Published:** October 24, 2023 **Author:** Publisher --- ### [Unsecured Personal Loans](https://www.jadecaravanfinance.com.au/unsecured-personal-loans) **Published:** October 25, 2023 **Author:** Publisher --- ### [Testimonials](https://www.jadecaravanfinance.com.au/testimonials) **Published:** October 31, 2023 **Author:** Publisher --- ### [Overview Of Personal Caravan Loans](https://www.jadecaravanfinance.com.au/overview-of-personal-caravan-loans) **Published:** October 25, 2023 **Author:** Publisher --- ### [Privacy Policy](https://www.jadecaravanfinance.com.au/privacy-policy) **Published:** October 25, 2023 **Author:** Publisher --- ### [Overview Commercial Caravan Loans](https://www.jadecaravanfinance.com.au/commercial-caravan-loans) **Published:** October 25, 2023 **Author:** Publisher --- ### [No Docs Caravan Loans](https://www.jadecaravanfinance.com.au/no-docs-caravan-loans) **Published:** October 25, 2023 **Author:** Publisher --- ### [No Deposit Caravan Loans](https://www.jadecaravanfinance.com.au/no-deposit-caravan-finance) **Published:** October 23, 2023 **Author:** Publisher --- ### [New Caravan Finance](https://www.jadecaravanfinance.com.au/new) **Published:** October 20, 2023 **Author:** Publisher --- ### [News & Tips](https://www.jadecaravanfinance.com.au/blog) **Published:** October 20, 2023 **Author:** Publisher --- ### [Motorhome Finance - Motorhome Loans](https://www.jadecaravanfinance.com.au/motorhome-loans) **Published:** October 23, 2023 **Author:** Publisher --- ### [Free Finance Quote](https://www.jadecaravanfinance.com.au/approval) **Published:** October 23, 2023 **Author:** Publisher --- ### [FAQs](https://www.jadecaravanfinance.com.au/faq) **Published:** October 25, 2023 **Author:** Publisher --- ### [Commercial Hire Purchase (CHP)](https://www.jadecaravanfinance.com.au/commercial-hire-purchase) **Published:** October 25, 2023 **Author:** Publisher --- ### [Contact Us](https://www.jadecaravanfinance.com.au/contact-us) **Published:** October 25, 2023 **Author:** Publisher --- ### [Caravan Loans With Bad Credit](https://www.jadecaravanfinance.com.au/bad-credit) **Published:** October 23, 2023 **Author:** Publisher --- ### [Caravan Loans Refinancing](https://www.jadecaravanfinance.com.au/caravan-refinance) **Published:** October 23, 2023 **Author:** Publisher --- ### [Chattel Mortgage For Caravans, RVs And Motorhomes](https://www.jadecaravanfinance.com.au/chattel-mortgage) **Published:** October 25, 2023 **Author:** Publisher --- ### [Caravan Lending Calculator](https://www.jadecaravanfinance.com.au/loan-calculator) **Published:** October 25, 2023 **Author:** Publisher **Content:** Simply and efficiently calculate your lending figures and relevant details from your electronic devices. Say goodbye to long wait queues and lengthy phone calls and hello to simple, quick, and easy online lending calculators. A Jade specialised consultant will contact you to arrange a loan quote and answer any questions you might have on the right low-interest leisure financing package. --- ### [Caravan Loans | Camper Finance | Motorhome Loan](https://www.jadecaravanfinance.com.au/loans) **Published:** October 31, 2023 **Author:** Publisher --- ### [Caravan Loans Interest Rates - Compare Finance Rates](https://www.jadecaravanfinance.com.au/interest-rates) **Published:** October 24, 2023 **Author:** Publisher --- ### [Caravan Lease](https://www.jadecaravanfinance.com.au/caravan-lease) **Published:** October 25, 2023 **Author:** Publisher --- ### [Camper Trailer Finance - Camping Trailer Loans](https://www.jadecaravanfinance.com.au/camper-trailer-finance) **Published:** October 23, 2023 **Author:** Publisher --- ### [Caravan Finance](https://www.jadecaravanfinance.com.au/caravan-finance) **Published:** October 31, 2023 **Author:** Publisher --- ### [Benefits Of Jade Caravan Lending](https://www.jadecaravanfinance.com.au/why-jade-caravan-loans) **Published:** October 20, 2023 **Author:** Publisher --- ## Categories ### [Buying Tips](https://www.jadecaravanfinance.com.au/blog/category/buying-tips) **Description:** Explore tips on financing, comparing options, and buying the right caravan. --- ### [Industry News](https://www.jadecaravanfinance.com.au/blog/category/industry-news) **Description:** Keep up with the latest trends and updates in the caravan and finance industry. --- ### [Caravan Finance](https://www.jadecaravanfinance.com.au/blog/category/caravan-finance) **Description:** Stay informed on loans, interest rates, and caravan finance options. --- ### [Uncategorised](https://www.jadecaravanfinance.com.au/blog/category/uncategorised) **Description:** Explore a mix of caravan finance insights and advice that don’t fit into other categories. --- ### [Caravan Buying Articles](https://www.jadecaravanfinance.com.au/blog/category/caravan-articles) **Description:** Discover insights and guides to make confident caravan purchase decisions. --- ### [Caravan Tips](https://www.jadecaravanfinance.com.au/blog/category/caravan-tips) **Description:** Get helpful advice on owning, using, and financing your caravan. --- ### [Loan Tips](https://www.jadecaravanfinance.com.au/blog/category/loan-tips) **Description:** Learn strategies for securing and managing loans for your caravan. ---