Comparing RV Financing - Finding RV Loans
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7 Jul Today's
best rate
Caravan loans from
3.99 %
With a low
5.22 %
*The Comparison Rate is calculated on a Secured Loan of $30,000 fixed for a term of 5 years, new goods, effective 07/07/2021 and subject to change. WARNING: The Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.

Relax and compare RV loans from multiple lenders

RVs are for leisure so do not make sourcing the best finance offer a laborious chore. We have brought a selection of lender offers together so you can easily compare loan offers – at your leisure. Enter the RV price and your preferred loan term and instantly see possible repayments from Jade and other leading lenders.

Loan Amount
Loan Term
RV Loan
3.99% Secured
5.22% Comparison
Monthly repayment
Variable Rate Personal Loan
13.50% Variable
14.37% Comparison
Monthly repayment
Variable Personal Loan
12.99% Variable
13.86% Comparison
Monthly repayment
Variable Rate Personal Loan
12.69% Variable
13.56% Comparison
Monthly repayment
St George
Fixed Rate Personal Loan
11.49 % Fixed
12.57% Comparison
Monthly repayment
Fixed Rate Personal Loan
10.49% Fixed
11.08% Comparison
Monthly repayment
Fixed Rate Personal Loans
11.99% Fixed
13.15% Comparison
Monthly repayment
Variable Rate Personal Loan
11.89% Variable
12.15% Comparison
Monthly repayment
Lender Product Name Advertised Rate Comparison Rate Monthly Repayment
Jade RV Loan 3.99%Secured 5.22%
CBA Variable Rate Personal Loan 13.50%Variable 14.37%
ANZ Variable Personal Loan 12.99%Variable 13.86%
NAB Variable Rate Personal Loan 12.69%Variable 13.56%
St George Fixed Rate Personal Loan 11.49 %Fixed 12.57%
Suncorp Fixed Rate Personal Loan 10.49%Fixed 11.08%
Westpac Fixed Rate Personal Loans 11.99%Fixed 13.15%
CUA Variable Rate Personal Loan 11.89%Variable 12.15%
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*Disclaimer: The comparison rate is based on a $30000 loan at a fixed interest rate. The repayment shown does not allow for all possible fees and charges which may apply to your individual loan. The interest rate you are offered may vary from the rate displayed. Use this tool for comparison purposes only. Using this calculator is not a loan application, is not a loan offer, is not an indication of an approved loan in any way. The repayments you are offered may be different from those shown.

RV Financing In Australia 

Engaging in a laborious task to source the best finance offer seems counterintuitive to the whole purpose of owning a leisure vehicle. The main purpose being – relaxation and enjoyment. To ensure the enjoyment starts well before you take delivery, we at Jade Caravan Finance make it easy of the entire loan process..

  • Cheap interest rate personal loans
  • Cost-effective business finance
  • No Deposit Finance Terms 1-7 years
  • Loans for new, used and special-builds
  • All makes and models financed
  • Pre-approved loans
  • Comprehensive lender service
  • Interest rate comparison calculators
  • Loan repayment calculators

To ensure you’re King of the Road, you first need to source the King of the Loan! We’re specialists in this market and can assist buyers with great loans at the best interest rates.

Cheap RV Finance Interest Rates

The loan starts with the rate and lenders price loans differently. That is due to numerous factors including the lender’s own costs of procuring their funding, their individual risk assessment of the sector and their interest in actively lending in a particular market. The types of loans also vary across lenders so pay attention to the detail.

So the process starts with finding out which lender is currently offering the best. That task starts and finishes right here. Relax and compare loans from multiple lenders in a few seconds.

We’ve done the deep research and bring you a selection of major banks and other lenders that extend credit in this space so you can easily compare what’s on offer – at your leisure! The data is current for the date shown and displays advertised and comparison rv or caravan loan rates figures and details of the specific loan offered.

All you have to do is enter the amount and term that you want for your loan. The system does the rest by auto-calculating your estimated repayments. Note the results for our loans! Yes, we source better rates to ensure you achieve a cheaper loan.

No Deposit Finance RVs

Gone are the days of saving to buy aspirational and non-essential goods. In this on-demand environment and highly competitive and diverse financial sector, securing credit is the popular way to buy what we want now and that goes for covering the full price of the goods.

Borrowing the full amount of the purchase price and even including those optional accessories you have your eye on, is possible and practicable. We can source loans for 100% of the purchase price so you can earmark your cash reserves for other purposes.

This type of loan is different from the dealer asking for a down payment when you sign the sale contract. That is often a holding deposit that can be refunded when we settle the full payment with the loan funds. No down payment is requested by lenders for many loan applications so buyers can include the total price.

In addition to the purchase price, consider including other items at the initial point of sale so they too can be included in the loan:

  • Registration is arranged by the dealer prior to delivery.
  • Accessories to enhance your travel experience.
  • Upgrades and option packs are often available on these types of vehicles.

The interest rate on this type of loan is typically the same as for down payment loans, but that is subject to individual lender requirements and review of individual loan applications.

To see the difference in repayments with and without making a down payment, use our caravan loan calculator.

RV Loan Options for New, Used and Older Vehicles

Some lenders will clearly differentiate between loans for second hand compared with new goods. The age and condition of goods is routinely considered as part of most loan application assessments. The same interest rate can apply for all types of vehicles but in some cases, additional conditions or requests may be made by the lender in regard to loans for older models.

These conditions may include requesting the loan amount be reduced or not accepting the goods as loan security for a secured loan. If not suitable as security, we offer unsecured personal loans as an alternative finance option.

RV Loan for Bad Credit Available

Credit issues can hold back a lot of people from moving forward to achieve their life plans and acquire goods with finance. But as the Australian financial services sector has expanded and now includes a wide range of lenders, the prospects for loan applications with credit issues is greatly improved.

We are accredited with multiple lenders which include many non-bank lenders. These are the finance sources that tend to be more flexible in approving loans for individuals and businesses that banks may not approve. Often operating only through fellow industry connections, these lenders are available through our services. Our team will handle your loan process, sourcing a lender that is in a position to make you an affordable offer at a good rate, taking care of discussions and negotiations and assisting you with preparing your application and through to final settlement.

Move your plans forward with a confidential call to us to discuss how we can assist with your finance requirements.

RV Loan Repayment Calculator

Which make will you select? Which variation? What model best suits you? There are many buying decisions to be made and for a lot of people, a big one is based on price. More specifically, based on the loan repayments.

But how do you quickly convert price to payments? With our loan tools. Our online repayment calculator allows you to instantly work up estimated monthly payments on any priced vehicle and to see how the payments vary when you vary the loan elements.

  • Enter the total loan amount and the number of years you would like to repay the loan.
  • The monthly payment is displayed for your convenience.
  • Change the loan term and see how that figure changes. Longer-term, smaller payments, shorter-term, larger payments.
  • Enter the different prices of the models you have on your wish list to see how they compare in terms of monthly payments. With our cheap interest rate loans, that top of the range model may be more affordable than you think.

This resource is free and easy to use and available at your convenience, whenever and wherever you have an online connected device.

Secured RV Finance

Secured Loans use the vehicle as security against the funds extended. It is the lender’s assurance that they have a backup if the borrower defaults on the payments. This type of loan is available for both personal and business buyers, on new and some used vehicles and for all makes and models.

Where a vehicle is not considered suitable as security, an unsecured loan can be applied for.

We provide finance for all types of vehicles including traditional styles, off-road, hybrid, slide-on, pop-tops, toy haulers, mobile homes and others from all leading manufacturers. Finance for customised and special builds is available.

Personal Loan RV Options

For individuals purchasing vehicles for their personal recreation, holidays and travel, we offer:-

  • Secured Vehicle Loan: The goods are used as security, the interest rate is fixed, the loan term fixed and repayments fixed on equal monthly amounts. Extra payments are permitted and minimal break fees apply if the loan is repaid early.
  • Unsecured Loans: These are for buyers where the vehicle is not suited to offer as security or not accepted by a lender as security. Our rates are still highly competitive for this type of finance and rates may be fixed or variable. Loan terms and repayments are fixed and extra payments are permitted.

No deposit available, terms 1-7 years and of course, our ‘not to be beaten’ rates apply.

RV Chattel Mortgage

For businesses acquiring these types of vehicles, Chattel Mortgage is the most commonly used finance option. Referred to as an Equipment Loan by some lenders, it is a versatile, secured form of finance that typically attracts the lowest interest rate across the commercial finance facilities range.

  • The borrower immediately assumes ownership while the goods are used as security.
  • The GST can be claimed at the time of purchase and then no GST applies to or is claimable on the repayments.
  • Interest on repayments is tax-deductible.
  • The asset is depreciable so the major tax deduction is accounted for in preparing the end of year accounts. The goods are depreciated in line with the current ATO rulings at that time. They may be eligible for accelerated asset depreciation measures such as IAWO if in force at the time.
  • The balloon is optional.

Straightforward in format and straightforward in sourcing a quote by simply contacting us.

No Doc RV Loans

If you don’t have the financial documentation and accounts records to complete the business finance application form, we can provide assistance through our specialist lending services. We offer No Doc Loans for new and start-up business with little or no financial documentation to support a finance application.

We source this type of finance primarily through our non-bank lenders who can be extremely helpful and cooperative in making affordable, workable funding offers for this category of loan applicant. The basic requirements are to have a current ABN and ID.

For applicants with a good credit rating, the cheap rates can be similar to or the same as for other applicants. Additional conditions may apply.

We approach each enquiry on an individual basis and source the most appropriate solution. So give our team a call and start the conversation.

Get a Financing Quote Now!

Requesting a quote or applying for a loan is easy via our online systems or just give us a call and speak with one of our locally-based, fully licensed financial professionals.

Speak with us to discuss how we can assist with your Finance. Call 1300 000 003




RVFinance Calculator

Stop dreaming about that new motorhome, caravan, or camper and take action on making it happen!
Use our online calculator to get an estimate on repayments for the vehicle of your dreams

Finance Calculator Disclaimer

RV Finance: Key FAQs

While most recreational vehicles are included in the umbrella caravan finance category, we understand that you may want clarification on aspects of the RV you are intending to purchase. Elaborating on the information in our web pages, we’ve collated and countered a selection of other topics right here. Have a read of these FAQs and if you want a response to your specific questions, please don’t hesitate to just give us a quick call.

What loans are available for RVs?   

RVs, recreational vehicles, are included under the broad caravan finance category. The most common type of loan for new and most second hand RVs is the Secured Caravan Loan. This loan has a relatively simple loan format with the RV used as security against the loan and the borrower repaying the loan in monthly payments. For most lenders, this type of loan is at a fixed interest rate and over a fixed loan term with fixed repayments. If the age of the RV or for other reasons, the application is not accepted for a secured loan, you can apply for an Unsecured Personal Loan.

Can I get a loan if I buy from a private seller?   

Yes, subject to lender guidelines. Caravan loans are available for all types of caravans including RVs, that are purchased through a manufacturer, from an authorised dealer or privately. The loan application process is the same for privately purchased RVs and the same considerations apply around the age of the vehicle. Buying from a private seller would signal that the RV is a used vehicle and as such would be subject to conditions around the age of vehicles for a Secured Caravan Loan by our lenders. Where a privately purchased RV does not meet the criteria for a secured loan, you may be able to source an unsecured loan.

Can I get a loan approved before buying my RV?   

Yes. Pre-approved loans for the purchase of RVs and other types of caravans are available. A pre-approved loan is arranged and approved prior to the borrower securing the RV purchase. The loan application process follows the same steps and is subject to the same protocols as a post-purchase loan except it is based on a loan amount rather than the purchase of a particular vehicle. It is beneficial to have an RV in mind to indicate to lender. If purchasing a new RV, a secured loan can be sourced and if purchasing a used vehicle, the loan offer will be subject to the age of the vehicle. Pre-approved loans can be highly beneficial as they allow the borrower to know the purchase price they can work towards when selecting accessories and other add-on packs for the RV.

Do I need to get comprehensive insurance with a rv loan?   

Yes. When buying an RV or any other caravan with a secured loan, the lender will apply the condition that an comprehensive insurance policy be purchased on the RV. This is a general condition which is applied across the lender sector for both consumer and business loans. The lender would require the insurance so if the RV was to be stolen or written off, they would have the security of the insurance policy to recover any monies owed. RV insurance policies can be obtained through many insurers and most can be purchased online. You will need to advise the lender of the details of the insurance policy.

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