Your van.
Your road.
Your terms.Caravan loans in Perth, on terms up to 7 years, arranged by brokers who live here.

We have access to loans for caravans for up to 7 years. A longer term lowers the repayment but increases what the loan costs you overall, so your broker will show you both before you choose.

A secured loan means the caravan or motorhome you purchase will be held as collateral by the lender as security. This provides protection for the lender should you be unable to make your payments, but the positives could include a lower interest rate compared to an unsecured loan.

Yes. Private sales are common in the caravan market and often where the better prices are. We verify the seller owns the van outright and that there is no finance owing against it, then the lender pays the seller directly on settlement.

Usually, if they appear on the invoice at the time of purchase. Accessories fitted after settlement are harder to add later, so it is worth deciding on them before the paperwork goes in.

Getting your rate here will not affect your credit score. One application through us reaches the whole panel, so you avoid the multiple enquiries that come from applying to lenders one by one.

No. Whether you have already chosen a caravan, or whether you have done little research on the topic and require advice from the start, we can help you to make caravan ownership a reality based on satisfying approval criteria with competitive interest rates and flexible payment terms.

Pop-tops, camper trailers, campervans, motorhomes, fifth wheelers and off-road hybrids are all financed as leisure assets, and so are motorcycles and boats. We also arrange car, personal, home and commercial finance.

Indicatively between $15,000 and $150,000 on a secured leisure loan. Our loan calculator is the quickest way to sanity check a figure. What you can borrow inside that range comes down to your income, your existing commitments and the van itself, since the lender is also lending against the security.

Yes, and it is the better order to do it in. A pre-approval is a lender's conditional yes on an amount and a rate before you have chosen anything. It costs nothing, commits you to nothing, and most hold for 30 to 90 days depending on the lender.

Often, yes. Paid or unpaid defaults, a discharged bankruptcy or a thin file change the rate and sometimes the deposit rather than closing the door. The honest position is that it costs more, and your broker will tell you what it costs before you apply.

Most lenders set the limit by how old the van will be when the loan ends, not how old it is today, commonly between 15 and 20 years. A 2012 van on a 7 year term finishes at 21 years old, which suits some lenders and not others.

On a secured loan, usually yes. A balloon lowers the repayment by leaving a lump sum owing at the end of the term, which you then pay out, refinance or cover by selling the van. It costs more in interest overall, so it is worth seeing both versions before you choose.

Yes. If the rate was set at a dealer counter a few years ago it is worth a look, particularly if your credit position has improved since. Refinancing a leisure loan works the same way as refinancing a car loan.

If the van is genuinely used in the business, a chattel mortgage may suit better than a consumer loan and the tax treatment differs. That is a question for your accountant first, and we will structure the finance around their answer.

For a secured loan, yes. The lender holds the van as security, so comprehensive cover has to be in place from settlement. We arrange insurance as well, so it does not have to be a separate errand.

You will need to be over 18, an Australian citizen or permanent resident, holding a current licence and receiving a regular income you can evidence. Beyond that the lender is assessing your income against your commitments, and the van against its own age and condition policy.

Budget past the repayment. Registration, comprehensive insurance, an annual service, tyres, storage if it will not fit at home, and site fees on the road all continue after the loan settles. A repayment that is comfortable on its own can stop being comfortable once those land.