Australians love getting outdoors and boats, campers, jet skis and motorhomes make it easier to travel, explore and enjoy time away. Whether you’re planning weekend escapes or upgrading for longer trips, recreational vehicle finance can help you purchase the right asset without tying up your savings.
At AAA Finance, we help clients secure finance for a wide range of recreational vehicles with flexible structures and competitive rates.
👉 Thinking of purchasing a camper, boat or jet ski? Get pre-approved now.
What is recreational vehicle finance?
Recreational vehicle finance refers to loans used to purchase lifestyle and leisure assets such as campers, boats and personal watercraft. These loans can be structured for personal or business use, depending on how the asset will be used.
What assets can be financed?
Recreational vehicle finance can be used for:
- Camper trailers and caravans
- Motorhomes and off-road vehicles
- Boats
- Jet skis and personal watercraft
- Horse floats
- Other recreational or lifestyle vehicles
If the vehicle is designed for leisure, travel or lifestyle use, there is usually a finance option available.
👉 Not sure if your asset qualifies? Talk to our finance specialists.
Buying new or used – dealer or private sale
Recreational vehicle finance is available whether you are purchasing:
- A new or used asset
- From a dealership or private seller
Private purchases can sometimes offer better value, while dealership purchases may provide access to newer models or warranties. Asset age, condition and price will influence lender options.
👉 Buying privately or through a dealer? Get a competitive finance quote today.
What affects lender options?
Not all recreational vehicles are assessed the same way. Lender appetite can vary depending on:
- The type of recreational vehicle
- The age of the asset
- The purchase price
- Whether the asset is new or used
These factors impact loan terms, deposit requirements and interest rates. This is where using a broker becomes especially valuable.
Loan terms and interest rates
Most recreational vehicle finance options offer:
- Loan terms from 2 to 7 years
- Fixed interest rates, providing repayment certainty
- Competitive rates sourced from our panel of over 40 lenders
- Flexible repayment structures to suit your budget
Rather than offering one solution, we compare lenders to find the best structure for your situation.
👉 Compare fixed-rate options from over 40 lenders. Enquire online now.
Business use and low doc options
If your recreational vehicle is used to generate income — for example in tourism, hire, promotions or events — you may be eligible for:
- Business recreational vehicle finance
- Low doc loan options for ABN holders
These options can help preserve cash flow and support business growth. Always check with your accountant to ensure the structure is right for you.
Why Finance pre-approval matters
Getting pre-approved for recreational vehicle finance allows you to:
- Understand your borrowing capacity
- Shop with confidence
- Negotiate more effectively
- Move quickly when the right asset becomes available
Why use a broker for recreational vehicle finance?
Recreational vehicle finance involves more variables than standard car loans. Using a broker like AAA Finance gives you:
- Access to a wide panel of lenders
- Competitive fixed interest rates
- Help structuring finance, including balloon payment options
- Clear guidance on asset age and lender policy limits
- A smoother, faster approval process
Whether you’re financing a camper, boat or jet ski, we’ll help structure finance that suits your lifestyle and goals.
Whether it’s for adventure, lifestyle or business use, we’ll help structure finance that fits your plans.
