Camper Trailer Finance for New, Used and Off-Road Campers.
Soft-floor, hard-floor, hybrid or a full off-road build, from a dealer or a private seller. Morella Finance matches your camper trailer to lenders whose policy suits it, with loans from $10,000.
Camper trailer loans from 7.59% p.a. Comparison rate 8.43% p.a.*
Off-road campers considered · Private sale welcome · Same day pre-approval possible
CAMPER TRAILER FINANCE
Why a broker helps with camper trailer finance.
Camper trailer finance,
bank vs broker
Camper trailers are not on every lender's list
Some lenders that finance caravans treat camper trailers differently, or apply their own minimum loan size. A broker knows which lenders suit the trailer before anything is lodged.
Used campers need the right match
Age limits at the end of the loan vary between lenders. Matching the camper's build year to the right policy avoids a decline you did not need.
Private sales are handled for you
Ownership checks, the PPSR search and payment to the seller are all part of the settlement we run.
One enquiry, lenders compared for you
We assess your profile once and compare lenders across the panel, so you are not repeating applications.
The process
Your Camper Trailer Financed. In 4 Steps.
Tell us about the camper
New or used, dealer or private seller, and roughly what it costs.
Get pre-approved
We compare lenders and confirm your budget before you commit.
Choose your camper
Buy from a dealer, a camping show or a private seller.
Settlement handled
We manage the paperwork, and the lender pays the seller directly.
Camper trailer finance, explained plainly.
Step 1 of 5
Understand camper trailer finance
A camper trailer loan works much like a caravan loan. The trailer is usually the security, the loan runs over an agreed term, and the lender's interest is registered until the balance is paid off.
Lenders group towed assets in their own ways. Some treat a camper trailer exactly as they treat a caravan, and others have separate rules for it, which is why the lender that suits one buyer may not suit the next.
Morella Finance arranges camper trailer loans from $10,000, for new and used campers bought from a dealer or a private seller.
Why finance a camper trailer
A good camper is used for years of trips. Spreading the cost across those years keeps savings available for fuel, gear and time away.
Pre-approval means you can commit at a camping show or to a private seller without waiting on a lender, which matters when well-kept campers sell quickly.
Accessories fitted at the point of sale can often be included in the loan, so the camper is ready to use from the day you collect it.
Choosing the right camper trailer loan
Start with the camper itself. A new dealer camper, a used camper from a private seller and a high-spec off-road build can each point to a different shortlist of lenders.
Then look at the camper's age at the end of the loan. Many lenders set a maximum age at maturity, so the term you choose can decide whether an older camper qualifies.
Compare the total amount repayable across offers, not only the repayment, and ask how an early payout would be handled.
How to apply for camper trailer finance
Tell us about the camper, roughly what it costs and how you plan to buy it. That is enough for your broker to shortlist lenders whose policy fits.
Have your licence and proof of income ready. For a private sale your broker also collects the seller's details and proof of ownership, and the lender pays the seller directly at settlement.
Tips for camper trailer buyers
Get pre-approved before a camping show or an inspection, so any offer you make is one you can follow through on.
Check the camper's build plate and registration against the advertisement, and make a private sale offer conditional on the checks clearing.
Make sure your tow vehicle is rated for the camper fully loaded, not just empty. A lender may ask about it, and it matters more on the road than on paper.
Camper trailer finance at a glance
- Loans from $10,000 for new and used camper trailers
- Soft-floor, hard-floor, hybrid and off-road campers are all considered
- Private sales are financed with ownership checks and direct seller payment
- Lender age limits usually apply at the end of the term
- Same day pre-approval possible
Camper Trailer Finance, Handled Properly
A camper trailer sits somewhere between a tent and a caravan, and lenders do not all treat it the same way. We find the ones that finance it well.
Get my quoteEvery Camper Style
Soft-floor, hard-floor, forward fold, rear fold and hybrid campers are all considered.
New and Used
Dealer stock, demo models and used campers from any seller.
Off-Road Builds
Heavy-duty off-road campers with upgraded suspension and full fit-outs are considered by lenders on our panel.
Private Sale Welcome
We confirm ownership and search the PPSR, and the lender pays the seller directly at settlement.
Pre-Approval First
Know your budget before a camping show or an inspection.
One Contact, Start to Finish
One broker from your first call through to settlement. No handoffs, no repeated explanations.
Caravan Finance Repayment Calculator
Estimate your repayments. Adjust the sliders to match your situation.
Monthly repayment
$773
per month
Weekly
$178
Total repayment
$46,399
Estimates only. Your actual rate depends on your profile and lender. Get a real comparison.
Get my quoteAbout the starting rate
6.00% p.a. is a starting point for estimating repayments only. It is not a quote, not an offer of finance, and not a rate available to every applicant. Your actual rate depends on the lender, the asset, the loan term, the loan amount and your circumstances. Adjust to model scenarios.
More Caravan Finance Options
A caravan's age
matters most.
Caravans come with lending restrictions a car never faces, including age limits and private sale rules. Your broker matches the caravan you actually want to the lenders whose policy accepts it.
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Who We Help with Camper Trailer Loans
Families Going Bush
A camper that sleeps everyone without the size of a caravan.
Retirees on the Road
A lighter setup for long trips around Australia.
Weekend Campers
Quick to set up for regular short trips away.
First-Time Buyers
First camper, first loan, wanting clear advice.
Off-Road Adventurers
Heavy-duty campers built for remote tracks.
18 years or older
Australian citizen, permanent resident, or eligible visa holder
Regular income from PAYG work, self-employment, an ABN or Centrelink
Valid driver's licence
Loans from $10,000, with the camper assessed on age and condition
Camper Trailer Loans. Common Questions.
Rates on our panel start from 7.59% p.a. (comparison rate 8.43% p.a.)*. The rate you're offered depends on your credit history, the camper trailer's age and the loan term. Tell us what you're buying and we'll compare lenders to find you the best rate we can. The comparison rate example and warning are at the bottom of this page.
Yes. A camper trailer is financed much like a caravan, with the trailer usually held as security. New and used campers are both considered, bought from a dealer or a private seller.
We arrange camper trailer loans from $10,000. If the camper you have in mind costs less than that, call us and we can talk through whether finance makes sense for it.
Yes. Off-road campers are considered by lenders on our panel. Higher-spec builds cost more, so the loan amount and the trailer's value are assessed together.
Yes. We confirm ownership, run a PPSR search to check no money is owed on it, and the lender pays the seller directly at settlement.
Age limits differ between lenders and usually apply at the end of the loan, not the start. Your broker matches the camper's build year to lenders whose policy accepts it.
Often, yes. Accessories fitted at the point of sale, such as an awning, solar or extra water storage, can usually be included in the loan amount.