Caravan Finance Sydney
Morella Finance helps Sydney 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, loan paperwork and settlement arrangements.
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 a caravan yard gives you a clearer price range and helps you compare caravans you can afford. Tell me what repayment you're comfortable with, whether you have a deposit and what you're planning to buy. I'll assess your options and explain the repayments, loan term and any conditions before you commit.
Allow for more than the purchase price. Registration, insurance, servicing, tyres, wheel bearings and storage all belong in your budget, along with extra fuel when towing and campsite costs when travelling. If your Sydney driveway won't fit the caravan, check storage costs before choosing a larger model.
Think about the trips you'll actually take, too. A weekend at Cattai campground on the Hawkesbury River, which has unpowered caravan sites, may call for different equipment from a longer touring holiday. Same day pre-approval is possible depending on your circumstances and the lender, so contact me before putting down a purchase deposit.
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 arrange finance for new and used caravans, with options for dealer purchases, private sales and refinancing an existing caravan loan. Send me the model, age and price and I'll check which lenders can consider it, including any restrictions on older caravans.
New touring caravans for holidays on sealed roads.
Used caravans bought from a dealer or private seller.
Pop-top caravans for buyers wanting a lower towing profile.
Family caravans with bunks and room for longer stays.
Off-road caravans suited to the travel you have planned.
Refinancing an existing caravan loan, subject to lender approval.
Buying from a dealer in Sydney
Penrith and North St Marys are useful areas to start comparing caravans in western Sydney. There are caravan sales yards around Castlereagh Road in Penrith and Glossop Street in North St Marys, giving you places to compare layouts and inspect new and used stock.
Once you've found a caravan, send me its details and the dealer invoice. Include any extras in the agreed purchase price so I can work with the correct amount. I deal with the dealer on the finance paperwork and settlement, keeping you updated on what's needed and when payment can happen.
If you're ordering a new caravan, let me know the expected delivery date. I'll work through the lender's requirements and approval timing with you so the finance arrangements suit the purchase.
Buying a caravan privately
I handle the seller contact, finance checks and settlement paperwork when you buy a caravan privately.
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.
New South Wales rules and paperwork
When buying a caravan already registered in NSW, transfer the registration into your name within 14 days of purchase. Keep the sale paperwork and check that the seller has lodged their Notice of Disposal. Caravans are exempt from NSW stamp duty, although registration and transfer fees still need to be allowed for.
For registration renewal, most light caravans more than five years old need an annual safety inspection, commonly called a pink slip. Your renewal notice tells you whether an inspection is required, and very light caravans have an exemption. If you're buying an unregistered or interstate caravan, check the registration inspection requirements with Service NSW before arranging collection.
Before choosing a caravan, compare its loaded weight with your vehicle's towing limit and the ratings of the towbar and coupling. NSW towing rules also set braking requirements according to the caravan's weight, including an automatic breakaway system above two tonnes gross trailer mass. Gross trailer mass is the weight carried through the caravan's wheels when hitched, so check the relevant weight figures rather than relying on its empty weight.
One broker from enquiry to settlement
You speak with me throughout the loan, so you don't have to repeat the purchase details to a different person each time. I compare options across a large panel of lenders, including specialist lenders, and explain what each suitable option means for your repayments and purchase.
Low-doc options are available for eligible self-employed buyers. Tell me about your circumstances and I'll explain what the lender needs for the option we're considering.
Morella Finance is based on the Gold Coast and works with Sydney 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 arrange finance for eligible caravans from dealers in those areas. Send me the caravan details and dealer invoice and I'll handle the finance paperwork and settlement contact with the dealer.
Caravans are exempt from NSW stamp duty. You'll still need to budget for the applicable registration or transfer fees.
Most light caravans more than five years old need a yearly safety inspection for registration renewal, with exemptions for very light caravans. Check the renewal notice for the requirement that applies to the caravan you're buying.
No deposit options are available, subject to your circumstances, the caravan and lender approval. I can compare those options with using a deposit and explain how that changes your repayments.
Yes, Morella Finance can look at refinancing an existing caravan loan. I'll compare the proposed loan with your current arrangement, including the repayments, remaining term and relevant costs, so you can decide whether changing loans makes sense.