Loans as they should be
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Borrow up to $45,000 for a new or used vehicle
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Simple online application
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Loan terms from 18 to 60 months
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No early repayment fees
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Two weeks conditional pre-approval
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Fast finance – funds typically disbursed within 24 hours of approval
Learn more about our caravan loans
Are you longing for an easy weekend escape, or are you planning the ultimate lap around Australia? A caravan loan can make it happen. At Rapid Loans, we make it easy to finance the lifestyle you’ve been dreaming of, without the delays of paperwork or traditional lenders.Â
Our secured loans are backed by your car, which allows us to offer flexible finance options that are fast, simple, and tailored to real people who want to hit the road without financial challenges.Â
Finance a Caravan in Australia with Confidence
Looking to finance a caravan in Australia? We help customers across Australia, from Brisbane, Melbourne, Sydney, and even regional areas, access fast, fair caravan finance. Our simple online platform allows you to compare caravan loan options, and apply online in minutes to receive fast responses, or contact us for more information before you get started. We’ve made it simple so you can apply from the comfort of your home.Â
Quick and Easy Caravan Loan Application Process
At Rapid, we have seen how complicated and deterring it is applying to a loan, that’s why we’ve streamlined the process to make it fast, hassle-free and completely online. Whether you’re buying a brand-new caravan or a second-hand model from a private seller, we’re here to help you move quickly from browsing to towing.Â
Here’s how it works:
- Apply in minutes: Uploading documents online and complete a simple application formÂ
- Get a fast response: Our team will be in contact with you often within one business day
- Secure your loan: If approved, funds will be transferred into your bank account and you can use as you need.Â
- Hit the road: Enjoy your adventures with fixed monthly repayments.Â
We keep it simple so you can stay focused on the journey ahead.Â
Caravan Loan Options
We offer a range of caravan loan options to suit your lifestyle and financial goals. All of our caravan loans are secured, which means we use a registered vehicle you own, such as your car, as collateral. This exchange allows us to offer lower interest rates, higher borrowing power, and better approval chances.Â
Our caravan loan can provide financial assistance to purchase brand new caravans or camper trailers, used caravans, upgrades and accessories.Â
We understand that no two adventures are the same. That’s why our loans are tailored to your needs, with flexible terms and repayments that work around your budget.Â
Am I Eligible for a Caravan Loan?
We believe that everyone deserves the chance to explore Australia their way, so that needs to include access to fair, flexible finance. So even if you’ve been knocked back by other lenders, don’t count yourself out.Â
To be eligible for a Rapid loan, you need to be 18 years or older, a permanent Australian resident, have regular income and be able to make regular repayments. We take a case-by-case approach to eligibility, so if your credit history has a few bumps, that won’t necessarily hold you back. We’ll look at your full financial picture, not just a score.Â
What Documents are Needed to Apply for a Caravan Loan?
We’ve made applying for a caravan loan as straightforward as possible. To speed up your application, here’s what you will need to provide to submit your application:
- Proof of identity (valid driver’s licence or passport)
- Proof of income (recent payslips or bank statements)
- Vehicle details (registration)
How It Works
1. Apply Online
Get started with our simple online application and be on your way in just a few clicks! Our secure online platform keeps your information safe.
2. We’ll Get In Touch
Your application will be reviewed and one of our friendly loan consultants will be in touch soon! We’re here to help.
3. Receive Funds
We take our commitment to being fast seriously! If you applied in the morning and were approved, your funds could be available the very same day.
Why go with Rapid for your loan?
Loans Tailored to You
Our auto and personal loan products were created with our customers in mind. We live in the real world too, so we created flexible loan solutions to suit most circumstances.
Quick and Easy Process
Our online application takes just minutes and our secure online portal allows you to upload your essential documents quickly and conveniently.
Personalised Service
Like everything at Rapid, we make sure dealing with our professional customer service representatives is straightforward and simple. We’re here for you!
Trusted Lender
We’ve funded loans for over 50,000 happy customers to make life happen. Our people are experienced, professional and understand that life isn’t always straightforward.
Explore Our Other Loan Types
Used Car Loans
For when its time for that new car smell
Jet Ski Loans
For when you want to make a splash
Boat Loans
For feeling the wind in your hair
Motorcycle Loans
For the times you want to rev your engine
Choose a loan
with purpose
See how our quick auto loan system made Cassie’s dreams come true
Caravan loan questions
What loan amounts are available for caravans?
We offer caravan loans from $5,000 up to $45,000. During the application process, you will be required to provide information that will help our team review your profile. They will work with you to determine a suitable repayment plan that is manageable and realistic. Use our online tool to apply now!
Are there early repayment fees?
No! We do not charge early repayment fees for customers who want to pay off their loan early. If you are in a position to do so, our friendly team is here to help you finalise it!
Can you get finance on a caravan?
When considering the purchase of a motorhome, individuals typically require motorhomes finance, or loans for motorhome, to fund the acquisition. Tailored finance for a motorhome from Rapid Loans is available to cater to this need. Motorhome loans are typically secured loans that use the motorhome itself as collateral. This arrangement allows borrowers to access our secured vehicle loans with flexible repayment terms. Motorhome finance is available for both new and used motorhomes, enabling borrowers to choose the option that suits their preferences and budget. The benefits of getting motorhome finance are considerable, allowing you to start enjoying your motorhome adventure immediately, without having to wait to save up the full amount. Loans for motorhomes from Rapid Loans allow Australians to hit the road sooner and start creating amazing memories.
Am I eligible for a caravan loan?
To determine if you are eligible for a caravan loan in Australia, there are a few important factors you should consider before taking out a loan for a caravan.
Credit score: Typically, a minimum credit score is required to be eligible for a loan. A good credit score can increase your chances of being approved and can also result in a lower interest rate.
Income: To take out any kind of loan, you will need to ensure you have proof of income. Lenders like us at Rapid Loans, consider your income when evaluating your eligibility. Generally, we require a minimum income and proof of income, such as payslips or tax returns.
Employment status: We know that sometimes being employed on a constant basis is hard if you’re a tradie or in a profession that fluctuates a lot. We do like to see that you have steady employment before approving your caravan loan, but again, we’ll assess every application on an individual basis. If you are self-employed or have a history of unstable employment, you may have difficulty getting approved for a loan.
Age: If you wish to take out a caravan loan with us at Rapid Loans, you will have to be at least 18 years of age.
Debt-to-income ratio: This ratio compares your monthly debt obligations to your monthly income. We want to ensure that you can comfortably afford the loan repayments and may limit the loan amount based on this ratio.
At Rapid Loans, this is what we are looking for when you apply for a caravan loan. Keep in mind it is important to review the specific requirements you are considering and to check your credit score before applying for a caravan loan.
Can I get approved for a caravan loan if I have below average credit?
It is possible to get approved for caravan finance in Australia if you have below average credit. However, it may be more difficult, and the loan terms for your new caravan loan may not be as favourable as they would be if you had a good credit rating.
At Rapid Loans, we look at all applications individually to ensure we exhaust every option to help you get a camper van loan.
We offer secured caravan loans, which help us provide finance to people with lower credit ratings. If this is you, we may ask you to have a co-borrower or ask for a larger deposit when you first take out your caravan loan. It’s important for you to read the terms and conditions offered and to be upfront about your credit history when applying for a loan.
If you have below average credit, it’s also a good idea to work on improving your credit score before applying for a caravan loan. This may involve paying off outstanding debts, disputing errors on your credit report, avoiding new debt, and paying any bills or loan payments on time and on a regular basis. Improving your credit score can increase your chances of getting approved for a loan and may result in better loan terms.