Caravan Loans

A caravan loan is your ticket to the open road! You borrow the amount you need to buy your van, then repay it over time with regular, manageable repayments. The caravan itself typically serves as security for the loan, which helps keep your rate competitive. At Ezilend, we love helping Australians get out and explore this incredible country — let’s get you camping in comfort!

Whether you’re after a classic caravan, a pop-top, a hybrid, a camper trailer, a motorhome, or a campervan — if it gets you out into the great outdoors, we can finance it! Both dealer and private sales are eligible, and some lenders will even include accessories and fitouts as part of the loan. Your adventure, your way.

Most lenders will approve a secured caravan loan for anywhere between $5,000 and $300,000, depending on your personal borrowing profile, income, and credit rating. The average caravan loan amount in Australia is around $48,406 — but whether you’re buying a modest weekender or a fully-loaded luxury rig, we’ll find the right loan to match your budget and your dream.

A secured loan uses the caravan as collateral and generally gets you a better rate — great for most buyers. An unsecured personal loan offers more flexibility but typically comes with higher rates. Not sure which suits your situation? That’s what your dedicated Ezilend broker is here for. We’ll talk you through both options and help you make the right call. Easy!

Loan terms typically range from 1 to 7 years, depending on the lender and the age and value of the caravan. A longer term means lower monthly repayments, while a shorter term saves you money on interest overall. We’ll help you find the sweet spot that keeps your repayments comfortable without costing you more than it needs to.

Absolutely — used caravan finance is very much our thing! Most lenders will finance used caravans up to 10–15 years old at the end of the loan term. Older vans may require a bit more paperwork or come with slightly higher rates, but don’t let that put you off. Ezilend works with lenders who specialise in used and private sale purchases, so we’ll find the right fit for your van.

Yes! You don’t need to be in a 9-to-5 to hit the road. Self-employed buyers can access low-doc caravan loan options through specialist lenders, and grey nomads and retirees have access to the same loan products as any other borrower, with eligibility based on income and ability to repay. Whatever your situation, Ezilend will find a lender that gets it. Everyone deserves an adventure!

A balloon payment is a larger lump sum due at the end of your loan term. Some lenders offer a balloon payment option at the end of the term to reduce your regular repayments. It’s a great way to keep your monthly costs down while you enjoy life on the road — just make sure you have a plan for that final payment when it comes due. Your Ezilend broker will walk you through all of this so there are no surprises down the track.

100% And we highly recommend it! Pre-approval gives you a firm budget before you walk into a dealership or chase down a private seller, and it puts you in a much stronger position to negotiate. Getting pre-approval before you go shopping can strengthen your bargaining power and help you avoid overcommitting. At Ezilend, our pre-approval process is fast, paperless, and won’t impact your credit score. Get approved, then go find the van of your dreams!