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Caravan Loans

Embrace New Adventures in Your Caravan


Loans from $5,000 to $100,000

Rates from 6.45%* APR

Getting a quote from us is cost and obligation free.

* Subject to suitability, affordability and verification

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Caravan Loans

Responsive Lending Caravan Loans

Loans from $5,000 to $100,000*


Responsive Lending will have you singing with joy, enabling you to hit the road in your dream caravan and embrace exciting new adventures*.

We work for you, comparing over 40 lenders to match you with a lender that will get you the best caravan loan interest rate for your circumstances.

With us, you only apply once...we do the rest!

Getting a quote with us is cost and obligation free.


* Subject to verification, affordability & suitability

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

What is a Caravan Loan?

A caravan loan is a type of personal loan specifically designed to help you purchase a new or used caravan, camper trailer, or motorhome. Whether you’re after a sleek new model or something second-hand, this loan provides the financial support you need to get on the road as soon as possible. With a caravan loan, you can access the necessary funds to buy your desired recreational vehicle, and the repayment terms can be tailored to fit your unique financial situation. These loans can be either secured or unsecured, with interest rates and fees varying based on the lender and your credit history. 

Why a Responsive Lending Caravan Loan?

40+ Lenders

We have over 40 lenders on our panel who we work with to match you with a lender that will get you the best loan interest rate for your circumstances. 


Our brokerage service ensures you find the best caravan finance option by offering access to a wide range of lenders and tailored loan solutions.

Great Low Rates

Our caravan loan rates start from 6.45% and with our large lending panel, we're able to find the best loan rate for you!

Fast Approvals

Our brokers work tirelessly to get your loan settled in less than 5 days.

Paperless Application

Our application process can be done completely online. You can apply online, upload, and sign your documents directly from your phone or computer, ensuring a convenient and paperless experience.

Soft Credit Touch

Requesting a quote with us does NOT affect your credit score or leave an enquiry. 


Our process includes a soft credit check, which is part of our comprehensive credit assessment. 


This allows us to determine your eligibility for a caravan loan without impacting your credit score. 

Personalised Service

Our team of finance brokers are all Aussie based and work with you until your caravan loan settles. 


Our customers receive tailored caravan finance options that best suit their financial situations. 

Caravan Loan Repayment Calculator

Use our Caravan Loan Repayment Calculator to estimate your repayment plans by adjusting variables such as amount to borrow and loan length. The comparison rate helps you understand the costs associated with different loans, providing a clear picture of various loan options. It's crucial to understand the total cost of the loan, as it includes all factors that influence your overall expenses.


Caravan Insurance

When taking out a caravan loan, it’s essential to consider caravan insurance. This insurance provides financial protection against unexpected events such as accidents, theft, or damage. You can purchase caravan insurance separately or as part of your caravan loan package. In many cases, lenders may require you to have comprehensive insurance coverage for the caravan to safeguard their investment. Ensuring you have the right insurance means you can enjoy your adventures with peace of mind, knowing you’re protected against unforeseen circumstances.

See What Our Customers Think

3 Steps to Your New Caravan Loan

Step 1!
Step 1

Use our online application form to apply for your Caravan loan in under 3 minutes! The application form will ask you questions like what type of vehicle you are after, where you live and what your income source(s) is.

Step 2!
Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.


Step 3!
Step 3

Once you're pre-approved, it's time to find your Caravan! You can choose a Caravan of your choice from a dealership or private sale.



Types of Caravan Loans

When it comes to financing your caravan, there are several types of loans to consider

Secured Caravan Loans

These loans use the caravan as security, which can often result in lower interest rates and fees. If you’re looking for a cost-effective option, a secured caravan loan might be the way to go.

Unsecured Caravan Loans

These loans do not require any security, but they may come with higher interest rates and fees. This option is suitable if you prefer not to use your caravan as collateral.

Fixed-Rate Caravan Loans

With a fixed interest rate, your repayments remain the same throughout the loan term, providing you with repayment certainty and easier budgeting.

Variable-Rate Caravan Loans

These loans have an interest rate that can change over time. While they offer flexibility, they also come with potential risks as your repayments can increase if interest rates rise.

By understanding the different types of caravan loans, you can choose the one that best fits your financial situation and personal objectives.

3 Steps to Your New Caravan Loan

Step 1

Use our online application form to apply for your caravan loan in under 3 minutes! the application form will ask you questions like, what type of vehicle you're after, where you live and your income source(s).

Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3

Once you're pre-approved, it's time to find a caravan! You can choose a Caravan of your choice from a dealership or private sale.

Budgeting & Tips Before You Apply 

Considering caravan finance requires a clear budgeting plan. Make sure to factor in monthly repayments, including weekly, fortnightly, or monthly repayment options, possible balloon payments, and any ongoing fees. 


Whether you’re opting for secured caravan finance or exploring an unsecured option, it’s wise to compare interest rates and understand how each type of caravan loan aligns with your lifestyle and financial goals. 


You might also think about RV finance or camper trailer finance if you need more flexibility. This way, you can choose a deal that offers both low rates and the freedom to travel wherever the open road (or off-road) may take you.

​​Frequently Asked Questions

What does Credit History mean?

Excellent = 800 - 1,000 credit score with no defaults

Very Good = 800 -899 credit score with no defaults

Average = 500 - 799 credit score with 1 utility default

Poor = 200 - 499 credit score with 2 or more defaults or ex bankrupt or Part IX

* These examples are provided as a guide only. Each situation is different and a credit score is only one part of the assessment puzzle. Being specialists in our field, we pride ourselves on trying to help as many people as we can, no matter what their circumstances are.

What do your interest rates start at?

Our caravan loan interest rates vary depending on your credit history, credit score, assets and liabilities. Our rates start as low as 6.45%, subject to the specified criteria above.

Why are your rates cheaper than the big banks?

As a finance broker, we put a large volume of applications to lenders. Because of this, lenders offer our group wholesale interest rates. It's like shopping at Costco, without the need to buy 400 packets of pasta.


We also get the benefit of being completely independent from the finance companies. This allows us to shop around from multiple lenders to get the best deal. Lenders often fluctuate their interest rates based on the amount of capital they have available to lend, so in respect we can often negotiate great deals with cashed up lenders.

Do you perform credit checks on all applications?

No, we don't perform credit checks on all applications.


In fact, our "soft" credit checks don't even leave an enquiry on your file!


We perform these "soft" credit checks so we can gather enough information to be able to direct your application to the lender/s we think will be suitable for your financial position.


If your application is then submitted to a lender, the lender will more than likely perform a hard credit check. This WILL leave an enquiry on your file. Just know that, we will not submit your application to a lender unless we have discussed it with you and you have agreed to it.

Can l finance a private sale?

Yes, we can finance private sale caravans.


When you've put through your application, just let us know that you're looking to finance a caravan from a private seller and we can ensure that we only use lenders that will help.

What documents do l need to apply?

Our application process is quick and simple. You will just need to have the following documents ready to upload to your broker:

  • Current drivers licence (back and front pic)
  • Two recent payslips
  • Last 90 days bank statement and if on Centrelink, a Centrelink Income Statement
  • If Visa holder, we require your current Australian Residency Identification (VEVO) check
Is a deposit required for a caravan loan?

Although many caravan loans do not require a deposit, having one can sometimes help reduce the interest rate or strengthen your application. Your broker can advise whether a deposit might be beneficial for your particular circumstances.

How quickly can I get approved and receive funding?

With our paperless application and soft credit touch, some customers receive conditional approval within one to two business days. After submitting all required documents, final approval and funding often occur in under a week, though this can vary depending on the lender and complexity of your application.

Can I refinance an existing caravan loan?

Yes. If you already have a caravan loan but want better rates or repayment terms, we can look into refinancing. Our brokers compare options from multiple lenders to see if you could lower your monthly repayments or reduce the total interest payable over the life of the loan.

Do I need caravan insurance while making repayments?

Many lenders strongly recommend comprehensive caravan insurance to protect against theft, accidents, or damage. While it’s not always compulsory, having the right coverage safeguards both your investment and the lender’s interests, ensuring peace of mind throughout the loan term.

Can I add optional extras like awnings or solar panels to my loan amount?

In many cases, yes. If you qualify for a certain loan amount, you can often include approved extras—such as awnings, solar panels, or upgraded interiors—so you have a single, consolidated repayment rather than multiple separate expenses.

What if I’m new to caravanning—will it affect my eligibility?

Generally, being new to caravanning does not impact your eligibility. Lenders focus more on your creditworthiness, income, and financial stability than on your experience. However, having a clear idea of the caravan’s purchase price and any related costs can streamline the application process.

What is the difference between a caravan loan and caravan finance?

Both terms are often used interchangeably, but there can be a subtle distinction:

  • A caravan loan generally refers to a specific type of secured personal loan, where the caravan itself is used as collateral. This means if you default on the repayments, the lender may repossess the caravan.

  • Caravan finance is a broader term that can encompass various financing solutions, such as unsecured personal loans, chattel mortgages, or hire purchase arrangements. It may or may not require your caravan to be offered as security.

Ultimately, the best option for you depends on factors like credit score, deposit, and whether you prefer a secured or unsecured arrangement. A finance broker can help you decide which structure best suits your circumstances.

How do caravan loans work?

Caravan loans work by providing you with the funds needed to purchase a caravan, whether new or used. 


The loan application process involves submitting necessary documents such as proof of income and identification. Eligibility criteria include a credit assessment, which impacts your loan eligibility and terms. Loan amounts vary based on personal circumstances and credit history. 


You can choose between a secured loan, which uses the caravan as collateral, or an unsecured loan. It's important to consider extra costs associated with purchasing a caravan. Comparison rates help you understand the overall cost of the loan, including fees and charges. 


The purchase price of the caravan influences the loan conditions, and you have the flexibility to pay off the loan sooner without exit fees.

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Responsive Lending

Head Office - 2/44 Township Drive, Burleigh Heads, QLD 4220

P: (03) 9350 7331  |  F: (03) 9350 7336  |  E: info@responsivelending.com.au

ABN 72 157 765 047  |  ACN 157 765 047  |  Australian Credit Licence 470 980

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