Caravan Finance Perth
Morella Finance helps Perth 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 handle the lender enquiries 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 before visiting yards gives you a clearer price range and helps you move ahead when you find a caravan you want. I compare options from a large panel of lenders, including specialist lenders, and explain the repayments, term and any conditions before you commit. Same day pre-approval is possible, depending on your circumstances and the lender.
Leave room for registration, insurance, servicing, tyres and storage if the caravan won't fit at home. Your travel budget should allow for campsite fees, gas and extra fuel while towing, including on trips from Perth to Margaret River. Think about how often you'll travel rather than spending the whole budget on the purchase.
Check your tow vehicle's capacity against the caravan's loaded weight before you choose a model. Water, luggage and fitted accessories all add weight, and any towing equipment you need should be considered early. Tell me whether you'd prefer to use a deposit or keep some savings available, and I'll check whether no deposit options are available for your purchase.
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 for different layouts, ages and purchase types. Send me the listing or specifications and I'll check lender eligibility before you spend time pursuing a particular van.
New caravans bought through a dealer.
Used caravans from a dealer or private seller.
Touring caravans for sealed-road holidays.
Off-road caravans for buyers planning trips beyond sealed roads.
Family caravans with bunks or separate sleeping areas.
Refinancing an existing caravan loan.
Buying from a dealer in Perth
Wangara is one area to include in your search, with caravan sales around Dellamarta Road. South of the river, the Albany Highway corridor around Beckenham and Maddington is another area where you can compare caravans. Getting your budget sorted first makes it easier to compare layouts and condition without stretching the repayments.
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 checking the information the lender needs before funds can be released. If the invoice changes because you've added accessories or agreed on a different price, send through the updated version so the loan matches the purchase.
Before paying a deposit, check the dealer's terms and tell me about any collection deadline. I'll explain what's still needed for approval and settlement, so you can make arrangements with the dealer based on where the application actually stands.
Buying a caravan privately
If you've found a caravan through a private seller in Perth, I handle the lender's ownership checks and settlement paperwork through 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.
Western Australia rules and paperwork
For a caravan already licensed in Western Australia, the buyer must notify the Department of Transport and Major Infrastructure within 14 days of purchase. The seller has seven days to notify the department. Eligible transfers can be completed through DoTDirect, or you can use the MR9 change of ownership form where an online transfer isn't available.
A non-motorised caravan permanently equipped for people to live in and mainly used for travel is exempt from WA vehicle licence duty. A vehicle licence transfer fee still applies, so don't assume the exemption removes every transfer cost. Check that the caravan qualifies, particularly if its design or intended use is unusual.
An interstate caravan must be inspected at an Authorised Inspection Station and receive a Certificate of Inspection before it can be licensed in WA. This is separate from any inspection the lender requires for finance. WA also limits vehicles towing caravans to 100 kilometres per hour, with lower posted limits still applying, so allow for that when planning collection or a longer trip.
One broker from enquiry to settlement
You'll speak with me throughout your application. I explain what the lender needs, follow up the paperwork and keep you informed as settlement approaches, without passing you between brokers. Low-doc options are available for eligible self-employed buyers, and I'll check what's suitable for your circumstances.
Morella Finance is based on the Gold Coast and works with Perth clients by phone and email. Call 07 2145 8323, Monday to Saturday, 8am to 6pm AEST, or send an enquiry 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. Send me the caravan details and dealer invoice, and I'll work with the dealer on the finance paperwork and settlement while you deal directly with me by phone and email.
Qualifying non-motorised touring caravans are exempt from WA vehicle licence duty. A transfer fee still applies when you transfer an existing WA licence.
Yes, subject to lender approval for the caravan and your application. An interstate caravan needs an authorised inspection and a Certificate of Inspection before WA licensing, so include that step in your collection plans.
No deposit options are available, depending on your circumstances, the caravan and the lender. I'll check the options and explain the repayments so you can decide whether to use some savings upfront.
Yes, Morella Finance can help with caravan refinancing. I compare the proposed loan with your existing arrangement, including any payout costs and the new term, so you can assess the overall cost rather than just a lower repayment.