New Caravan Finance. Pre-Approved Before You Walk Into the Dealership.
Don't let the dealer's finance office be your only option. Morella Finance compares new caravan loan rates across the panel so you arrive with a better offer already in hand.
Caravan loans from 7.59% p.a. Comparison rate 8.43% p.a.*
All caravan brands · Same day pre-approval possible · Straightforward advice
DEALER vs BROKER
What pre-approval through a broker gives you that dealer finance does not.
Dealer vs broker: new caravan finance
Dealer finance is convenient but limited to one lender
Dealership finance managers are paid to sell the dealer's finance products. Their incentive is to maximise the dealership's profit from the finance transaction.
We compare lenders in one application
Dealer finance typically comes from one lender. We search the panel without triggering repeated credit checks.
Pre-approval gives you negotiating power
Turn up to the caravan show pre-approved and ready to buy. The dealer's finance becomes optional, not compulsory.
Structure advice included
Balloon payments, loan term and early repayment terms all affect the real cost. We compare the full picture.
The process
From Quote to Keys. In 4 Steps.
Tell us about the van
Make, model, price and intended use.
We compare the market
Your broker compares new caravan finance options for your profile.
Get pre-approved
Arrive at the dealer with a confirmed offer.
Settlement handled
Paperwork and dealer payment managed for you.
New caravan finance, explained plainly.
Step 1 of 5
Understand new caravan finance
A new caravan loan is secured against the van over a term of one to seven years, with the lender's interest recorded on the PPSR until the loan is paid out.
A new van typically attracts a lower rate than an older used one, because the lender is securing against an asset with a longer usable life and a more predictable resale value.
Lenders treat caravans as their own asset class rather than as large trailers, which is why the lender who wrote your car loan may have no appetite for a van.
Why choose new caravan finance
A new van arrives under warranty and with a build you specified, so the first trip is not spent discovering what the previous owner tolerated.
Financing spreads the cost across the years of travel rather than using a chunk of your savings before you have left the driveway, which keeps money available for the trip itself.
Arriving at a caravan show with finance already arranged changes the conversation. The dealer's own finance becomes one option rather than the only one.
Deciding if new caravan finance fits
Secured suits nearly every new purchase, since an unused van is uncomplicated security for a lender to accept and register.
Term choice is worth real thought. Vans are kept for a long time, so matching the term to how long you intend to travel in it usually beats reaching for the extremes.
On-road costs and accessories fitted at the point of sale can often be included in the loan when they appear on the invoice, which is easier than funding them separately later.
How to apply for new caravan finance
One enquiry puts your profile in front of the panel, and your broker shortlists the ones whose policy actually covers the van type you have chosen.
Licence, income evidence and the dealer quote make up a standard file, and pre-approval is possible the same day.
Settlement is arranged between the lender and the dealership, so the van is paid for before you hitch up.
Tips for new caravan finance
Get pre-approved before the show rather than at it. Show pricing is designed to be decided on quickly, and a budget set in advance is the best defence.
Check what the tow vehicle can legally handle before you commit to a van. A caravan you cannot tow is an expensive thing to discover after settlement.
List the accessories you actually want on the invoice. Awnings, solar and towing equipment are simpler to finance with the van than to add afterwards.
New caravan finance at a glance
- Terms run from 1 to 7 years, secured against the van
- Caravans are their own asset class, assessed separately from cars
- Accessories on the dealer invoice can often be included in the loan
- Pre-approval turns dealer finance into one option rather than the only one
- One enquiry reaches the panel, and same day pre-approval is possible
New Caravan Finance Done Right
A new caravan is a significant purchase. We make sure the finance is as well considered as the van itself.
Get my quoteAll Caravan Types
Pop-top, full-caravan, motorhome, campervan, off-road. All financed.
On-Road Costs Covered
Registration, insurance and fitted accessories can often be rolled into the loan.
Fast Pre-Approval
Know your budget before visiting any dealer or seller.
Self-Employed Welcome
Low-doc options for ABN holders.
Direct Dealer Payment
We pay the dealer directly, keeping settlement secure for both sides.
One contact, start to finish
One contact from enquiry 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.
Caravan Finance Guides
Written by a licensed broker for Australian borrowers.
8 guidesCaravan financeCaravans, camper trailers and motorhomes, bought from a dealer or privately.Explore caravan finance
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Who We Help with New Caravan Loans
Growing Families
Upgrading to a new family van for regular trips.
Pre-Retirees
Investing in a quality new van before the big lap.
First-Time Buyers
First caravan purchase, wanting the right finance from day one.
Serious Tourers
Off-road or premium caravan for extended travel.
Business Buyers
Caravan for work-travel or mobile business use.
18 years or older
Australian citizen, permanent resident, or eligible visa holder
Regular income: PAYG, self-employed or ABN considered
Valid driver's licence
New or demonstrator model from an authorised dealer
New Caravan 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 new 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.
A broker compares the panel on your behalf. Dealer finance is limited to one lender. In most cases, the comparison rate through a broker is more favourable. We also provide advice on loan structure, not just a product sale.
Yes. A pre-approval confirms your borrowing capacity and holds for 30-90 days depending on the lender. It gives you the freedom to attend caravan shows and dealerships knowing exactly what you can spend.
Most buyers choose 5-7 years for a new caravan. Longer terms reduce monthly repayments but increase total interest. Shorter terms save interest but increase repayments. Your broker compares the real cost of each option.
Some lenders will include approved accessories in the loan. Others restrict it to the vehicle itself. Your broker confirms what can be included for the specific lender you proceed with.
It depends on your plans. If you intend to upgrade or sell before the balloon falls due, it can reduce monthly repayments effectively. If you plan to keep the van for the full loan term, paying it clean avoids any end-of-term lump sum.
Yes. Off-road caravans including popular Australian-made brands are financed routinely through our specialist panel. Your broker confirms which lenders best suit the specific off-road model you're considering.