Caravan Finance Adelaide
Morella Finance helps Adelaide buyers arrange caravan finance from $10,000, for dealer purchases and private sales. Whether you're buying your first caravan or upgrading to a different layout, I handle the finance application and settlement paperwork so you can concentrate on choosing the right van.
Caravan loans from 7.59% p.a. Comparison rate 8.43% p.a.*
Set your budget before you start shopping
Getting pre-approved gives you a clearer price range before you start comparing caravans. Tell me what repayment you're comfortable with, whether you have a deposit and roughly what you're looking to buy. I'll compare options across a large panel of lenders, including specialist lenders, and explain the repayments and conditions.
Leave room for registration, insurance, servicing, tyres, wheel bearings and storage if the caravan won't fit at home. Allow for extra fuel while towing, campsite bookings and any equipment your tow vehicle needs. A weekend at Port Elliot and a longer trip through the Flinders Ranges can call for different equipment and travel budgets.
Check your vehicle's towing limits before settling on a caravan size, allowing for water, luggage and accessories. Same day pre-approval is possible, depending on your circumstances and the lender. I'll explain any conditions that need to be met before the purchase can settle.
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.
What you can finance
Morella Finance arranges finance for new and used caravans, with options depending on your circumstances and the caravan's age, condition and suitability for the lender.
Touring caravans for holidays and longer stays.
Pop-top caravans with a lower travelling profile.
Family caravans with bunks and separate sleeping areas.
Off-road caravans for buyers planning suitable trips beyond sealed roads.
Used caravans bought from a dealer or private seller.
Refinancing an existing caravan loan.
If you're refinancing, send me the details of your current loan and caravan. I'll compare the available options and explain whether changing loans makes sense once the remaining term and any payout costs are considered.
Buying from a dealer in Adelaide
Gepps Cross is a useful starting point for caravan shopping, with dealers around Port Wakefield Road and Grand Junction Road. Windsor Gardens also has new and used caravan stock to compare. Walking through different layouts can help you judge bed access, bathroom space and storage before choosing a van.
Once you've found a caravan, send me its details and the dealer invoice. I'll confirm what the lender needs, deal directly with the dealer on the finance paperwork and coordinate settlement. You won't need to relay each document request between the dealer and lender yourself.
For a caravan being ordered or built, let me know the expected delivery date and any deposit arrangements early. I'll explain how the finance timing fits with delivery and keep you updated as settlement approaches. Confirm the final accessories and inclusions on the invoice before the paperwork is completed.
Buying a caravan privately in Adelaide
If you've found a caravan through a private seller in Adelaide or elsewhere in South Australia, I handle the seller's finance paperwork and settlement arrangements.
Get pre-approved, then go and look at the caravan.
Once you've inspected it and agreed on a price, send me the seller's details.
I contact the seller for ownership documents and run a PPSR search to check whether money is owed on the caravan.
If the lender requires an inspection, I arrange it. Occasionally a valuation is needed too.
I prepare a private sale invoice for you and the seller to sign.
The lender pays the seller directly. Any existing finance is paid out at settlement.
Once the funds clear, you collect the caravan.
Money owing on the caravan isn't automatically a deal breaker. It is paid out at settlement so you receive clear ownership.
South Australia rules and paperwork
When you buy a caravan already registered in South Australia, you must transfer its registration within 14 days of purchase. Eligible transfers can be completed through the mySAGOV website using a browser, rather than the mobile app. You'll need the plate number, the seller's SA driver's licence or client number, and their surname or organisation name.
South Australia provides a vehicle stamp duty exemption for eligible light caravans. RevenueSA's guidance states that caravans with an aggregate trailer mass of 4.5 tonnes or less are exempt. That exemption doesn't remove registration or transfer charges, so leave room for those costs when setting your purchase budget.
A used caravan last registered interstate generally needs an identity inspection before registration in South Australia when you're buying it from another owner. In Adelaide, caravan identity inspections are handled at Regency Park, while the Lonsdale station only inspects cars and motorbikes. A state identity inspection is separate from any inspection the lender requires, so check the registration arrangements before organising collection.
One broker from enquiry to settlement
You'll speak with me throughout the application, approval and settlement. I explain the available options, follow up outstanding paperwork and let you know what needs to happen next. If your purchase changes, you can contact the same person who already knows your application.
Low-doc options are available for eligible self-employed buyers. I'll explain the lender's requirements and check which options suit your circumstances and the caravan you're buying.
Morella Finance is based on the Gold Coast and works with Adelaide clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST, to discuss your purchase or request a free quote. Asking for a quote doesn't affect your credit file.
FAQs
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 caravan'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, subject to the lender's requirements and the caravan being suitable. I contact the seller, check ownership documents, run the PPSR search and organise the settlement paperwork.
No deposit options are available, depending on your circumstances, the caravan and the lender. I'll explain the amount you can apply for and any upfront costs before you commit to a purchase.
You must transfer the registration within 14 days of purchase. A late transfer can attract an additional fee, so organise the transfer promptly after buying.
The metropolitan inspection location for caravans is Regency Park. The Lonsdale station doesn't inspect caravans, and an identity inspection doesn't replace any separate roadworthy inspection that may be required.
Check the manufacturer's towing specifications alongside the towbar and coupling ratings. South Australia's rules require the loaded caravan to stay within the applicable towing limits, so include your water, luggage and accessories when checking the weight.