Caravan Finance Melbourne
Morella Finance helps Melbourne buyers arrange caravan finance from $10,000 for dealer purchases and private sales. Whether you're buying your first caravan or replacing one you've outgrown, I can compare suitable options and handle the loan 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 before visiting display yards gives you a clearer price range and an idea of the repayments. Tell me what you can comfortably put towards a caravan each month, whether you have a deposit and the sort of van you're considering. I'll work through suitable options before you spend your weekends inspecting them.
Allow for insurance, registration, servicing, tyres, wheel bearings and brake maintenance alongside the loan repayments. Storage can also be a regular expense if the caravan won't fit at home, while towing adds to your fuel bill. Leave room for campsite bookings and any towbar or brake controller work your vehicle needs.
If you're planning foreshore stays at Rosebud, Rye or Sorrento, think about the layout and equipment you'll actually use rather than paying for extras you don't need. Same day pre-approval is possible, depending on your circumstances and the lender. Final approval still depends on the lender's checks and the caravan you choose.
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 can help with new and used caravans, dealer purchases, private sales and refinancing an existing caravan loan. Send me the advertised price, age and caravan details, and I'll check which lenders can consider it before you commit to the purchase.
Touring caravans for caravan park stays and longer holidays.
Family caravans with bunks and room for everyone's gear.
Compact caravans for couples or solo travellers.
Pop-top caravans where storage height is part of the decision.
Off-road caravans for trips suited to the van's construction and your tow vehicle.
Refinancing your current caravan loan to review the repayments and remaining term.
Buying from a dealer in Melbourne
Campbellfield has a concentration of caravan display yards around Sydney Road and Cooper Street. In Melbourne's east, Bayswater North offers another area to compare vans, particularly around Canterbury Road and Dorset Road. Planning your visits around these areas can help you inspect several layouts without driving across the city between every appointment.
Once you've chosen a caravan, send me its details and the dealer invoice. I deal with the dealer on the finance paperwork and settlement, including any lender requests about the caravan. You have one person keeping track of the loan while you organise the handover.
For a factory order, let me know the expected delivery date and deposit terms before you sign. A van available for collection and one still being built can have different timing needs, so I'll check how the finance approval fits the purchase. Ask the dealer to put any agreed accessories on the invoice so the purchase details are clear.
Buying a caravan privately in Melbourne
If you've found a caravan through a private seller in Melbourne, I handle the finance checks and settlement paperwork in these steps.
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.
Victoria caravan rules and paperwork
When you buy a Victorian registered caravan, you must notify VicRoads within 14 days of the purchase. Ask the seller for proof that it is registered in their name and keep the purchase and transfer records. For an eligible online transfer, the seller starts the process through myVicRoads and you receive notification as the buyer.
VicRoads classifies caravans as trailers. For a light trailer with a gross vehicle mass below 4.5 tonnes, a roadworthy certificate and motor vehicle duty are not required for the transfer, but a transfer fee still applies. That exemption doesn't replace checking the caravan's condition before buying, particularly for water damage, tyres, brakes and chassis wear.
An interstate registered caravan cannot simply have its registration transferred into Victoria. It needs to be registered in Victoria through the relevant VicRoads process, so check the registration arrangements before agreeing to collect it. Send me the interstate seller's details early so I can work through the lender's requirements alongside your collection plans.
One broker from enquiry to settlement
You'll speak with me throughout, from working out a budget to arranging payment to the seller. Morella Finance works with a large panel of lenders, including specialist lenders, so I can compare options for your circumstances and explain what the lender needs.
Low-doc options are available for eligible self-employed buyers. I'll check whether they suit your circumstances and explain the documents needed for the application.
Morella Finance is based on the Gold Coast and works with Melbourne clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST, for 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. I can help you arrange pre-approval before you inspect caravans in Campbellfield, Bayswater North or elsewhere in Melbourne, so you have a clearer budget. Same day pre-approval is possible depending on your circumstances and the lender.
Motor vehicle duty is not required when transferring a caravan classified as a light trailer with a gross vehicle mass below 4.5 tonnes. A VicRoads transfer fee still applies.
A light caravan below 4.5 tonnes gross vehicle mass doesn't need a roadworthy certificate for its registration transfer. You should still inspect its condition before agreeing on a price.
No deposit options are available, subject to lender approval and your circumstances. I'll check whether that is suitable and explain the repayments before you decide.
Yes, existing finance isn't automatically a deal breaker. I obtain the relevant payout details and arrange for the existing finance to be paid out at settlement as part of the purchase.