Consumer Caravan Loans

Getting you on the road and on your way with speed and style

Anyone who wants to get out and see the world needs a mode of transport. For those on an overseas holiday in South-east Asia, it might be a rickshaw. For others, a yacht or plane. And for so many people who want to travel around Australia and experience the best of both convenience and luxury, a caravan or camper trailer is the most appropriate option.

Benefits of a consumer caravan loan

Caravan finance is a popular option for many people that come to us. It enables people to get on the road very quickly with their new purchase. Additionally, you may be able to gain some or all of the following bonuses:

  • Borrowing capacity that reaches up to and beyond 100 per cent of the cost of a caravan, including insurance and accessories**. Conditions apply
  • Taking out a camper trailer loan without having to place down a deposit.
  • A fixed repayment schedule that ensures regular, stable costs - perfect for long term budgeting.
  • Incredibly competitive interest rates.
  • Loan terms that last anywhere between one and seven years.

We work with a panel of over 40 lenders and can turn around caravan loans in as little as 24 hours. But before signing off, it's important to know exactly what type of finance we offer, was well as the details of these associated benefits.

What is a consumer caravan loan?

Also known as a secured caravan loan, this type of financing essentially puts the vehicle itself up as security. A consumer caravan loan is the most common way to purchase a new or used recreational vehicle for private use. It is a simple loan between the lender and you.  This means the caravan is in your name, and you can ride off and enjoy what Australia has to offer. However, if repayments aren't made as per the loan agreement, the caravan itself is the collateral, and is sold on.

It effectively puts the caravan up as insurance between you and incurring serious levels of debt! It's a simple, straightforward method of caravan finance that has proved incredibly popular with our customers. The benefits don't end there either.

Balloon benefits

The consumer caravan loan can also come in a balloon format, which means you make reduced payments during the loan term, and pay one larger bulk amount at the end of the period, which can be up to seven years.

This is great for people who want quick access to a vehicle with a set plan. A consumer caravan loan comes with a fixed interest rate, so you know exactly what you will pay.

Competitive interest rates

The interest rates for a secured caravan loan are often lower than a regular unsecured personal loan. This makes a consumer caravan loan attractive to most consumers. Especially once you factor in that the interest rate is fixed for the entire term of the loan. With this in place, you know exactly what you will be paying with every transaction, which makes the secured caravan loan incredibly easy to budget for.

Even though there is a predetermined time frame for your caravan loan repayments, there is the option to pay it out at any time. This means that if your financial situation changes significantly or you receive a one-off windfall, you can exit the loan term by paying the remainder in one transaction - you aren't necessarily locked in for the full loan term.

Caravan Loan and Camper Trailer Finance


When you take out a secured caravan loan, you have borrowing capacity that extends well beyond the full cost of the vehicle itself. This enables you to get the right insurance and protection for your vehicle and fold the costs into your borrowing.

Of course, make sure to carefully consider the type of insurance you will need. In addition to third party insurance, you could take on a comprehensive policy that covers a wide range of potential incidents - check with AAA Finance to see what works with your consumer caravan loan.

Variety: A driving force

On top of this, the consumer caravan loan can apply to more than just its namesake. When you get this type of finance with AAA, you could purchase a horse float, 5-wheel vehicle or even a larger motor home. You are able to borrow more than 100 per cent of the price of a caravans, which enables you to cover registration and any other additional accessories, as well as insurance. You may not even have to lay down a deposit!

Clearly, it can be fast and simple to get what you need to get on the road. Speaking to a specialist from AAA Finance is just the first step on the way to a great caravan - don't hesitate to get in touch.

Contact us

If you have decided that a secured caravan loan is the right option for you, then feel free to get in touch with the team at AAA Finance today. There are many ways you can do this - you could even fill out a form and get pre-approved now!

Alternatively, fill out a quick loan enquiry form, or even give one of our finance experts a call on 07 5493 1222. We'll get you where you need to be.

Consumer Caravan Loan Calculator

Estimate your monthly repayments using our Caravan Loan Calculator.

You will need an estimate of your loan amount, loan term in years and an approximate interest rate.  AAA Finance  and Insurance will get you the lowest interest possible.  Your interest rate will be based on your prior credit history and profile.

Useful Link: How to buy the right camper trailer

'Camper Trailer Tech Tips - Buying the right camper trailer' is a useful link when deciding on purchasing a camper trailer.


* Your actual interest rate will be based on a number of factors, including the type and age of the asset you are seeking to purchase; the information you provide during your application and the term of the loan. This rate may be different from our lowest advertised rates. The Comparison Rate is calculated on a Secured Loan of $50,000 fixed for a term of 5 years, effective 9/11/2023 and subject to change. 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.

John Shanahan
John Shanahan
3 May 2023
We worked with Jason to arrange finance for our Austrack van. Jason's service, knowledge and understanding was fantastic. Great outcome and can't wait to get into our van! Thanks Jase.
Robbie Amhaz
Robbie Amhaz
10 March 2023
I Have been with AAA for many years now and they have always been my go too broker for personal loans. Peter & Jason always go the extra mile for me as a client and their rates & fees are competitive. We recently purchased a brand-new car and AAA got us the loan we wanted and at the right interest rate. Excellent service and industry knowledge. Thanks Again Robbie Amhaz
Paul Mansell
Paul Mansell
18 August 2022
These guys go above and beyond. I would recommend them to anyone.
Wayne Jones
Wayne Jones
27 July 2022
Warwick provided a very simple platform to execute our business with him,nothing was a issue and he was very prompt getting back to us or returning calls,highly recommend AAA Finance
11 July 2022
The team at AAA made the finance application process incredibly smooth and stress-free, handling all of the otherwise difficult paperwork with the lender and seller. We have used them multiple times now and have never been disappointed!
Lyndon D
Lyndon D
9 December 2021
We had Jaime as our broker and wow! She did such a great job. 10/10 customer service! Answered every question, gave us all the advice we needed. Can’t fault anything at all. Thank you Jaime !
Bianca Bloomfield
Bianca Bloomfield
9 November 2021
These guys were fantastic ! - Jaime was prompt, professional and kept me in the loop while the finance boxs were ticked in the background. This was all done very quickly and they were super competitive in the market, which was awesome, when there was additional requirements she was straight on the phone-Highly recommend !!
Larna Kerswell
Larna Kerswell
14 October 2021
Warwick at AAA Finance was so easy and great to deal with. He was patient and helpful with us every step of the way. We would recommend them to anyone looking around for finance. Thank you so mauch Warwick and AAA Finance.
Donna Joy
Donna Joy
23 September 2021
I was very happy with the excellent service given by Sam Sharpe. He was helpful, polite and easy to understand. Thanks Sam 😃
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