Micro Caravans: The Smallest Way to Big Adventures
If you’ve ever thought about getting a caravan but worried about the cost, the size, or whether your car could tow it, a micro caravan might be exactly what you need. These tiny...
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A big thank you to Alan and the Credit One team for helping to organise our new caravan, we are super stoked to travel this beautiful country of ours. Nothing but positive reviews for them!
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We Make Caravan Finance Easy
We Make Caravan Finance Easy
Ready to hid the road in your dream caravan? Credit One is one of the most trusted and preferred brokers for caravan financing in Australia. Out team of caravan finance specialists will guide you through the loan process from start to finish. We work to match you with the best lender and secure you the best loan rates, all beginning with a free qote that takes less than one minute.
Flexible Caravan Finance Options with Low Interest Rates
Flexible Caravan Finance Options with Low Interest Rates
With Credit One, you will have access to more than 40 trusted lenders, including major Australian banks and other lenders that aren't readily available to the public. We will match you with the best options and work closely with you to tailor the loan to your financial circumstances.
We can help with secured caravan loans, private sale loans, and commercial-hire purchases on new and used caravans.
Australia's Best Reviewed Caravan Finance
Easy Applications with Fast Approvals
Credit One offers 60-second finance quotes as well as same-day approvals for a caravan loan using our simple, obligation-free online finance applications.
Affordable Caravan Financing
Looking for a caravan loan? Our finance specialists compare your financial needs with all of the lenders on our extensive panel to find the best option for you and your individual circumstances.
Premium Solutions with Low Fees
Our premium finance solutions incorporate low upfront establishment fees, no ongoing fees, bank-beating interest rates. We can tailor a finance package and the loan term to suit your needs
Award-Winning Services
We provide independent and unbiased service to find the best finance service to find the best finance solution for you. That's why Credit One has been named 'Broker of the Year' three years in a row.
Caravan Finance Specialists
Our expert caravan finance consultants are available seven days a week for your convenience. Call us today on 1300 273 348 or request a callback to learn more about a caravan loan.
Extensive Lender Network
We have established relationships with over 40 of Australia's most trusted lenders, including major banks and lenders not available directly to the general public.
Frequently Asked Questions
Am I eligible for a caravan loan?
Eligibility for a caravan loan is usually straightforward. If you’re over 18, live in Australia, and have a steady income, you’re off to a good start! Lenders also like to see that you can comfortably manage repayments, so having a decent credit score and not being overwhelmed with other debts will be helpful in securing caravan finance.
Are there benefits to financing a caravan instead of buying outright?
Yes, there can be benefits to financing vs buying a caravan outright. First, financing allows you to keep your savings intact in case you need that money for emergencies or other investments. Financing also means you can afford a better model without needing to pay the full amount up front. Consistently making caravan payments can also be a great way to build your credit history.
Are loans different for new and used caravans?
Loans for new caravans often come with lower interest rates and more flexible terms because they’re considered lower risk. Used caravans may have slightly higher rates, but they’re still accessible with tailored loan products.
What do I need to apply for a caravan?
For a caravan loan application, you will generally need:
- Proof of identity (driver’s license or passport)
- Proof of income (recent payslips or tax returns if self-employed)
- Bank statements showing your financial stability
- Details of the caravan you intend to purchase
- Information on any existing debts or financial commitments
How do I make repayments on my carvan loan?
Caravan repayments are usually made through direct debit from your bank account. You can choose weekly, fortnightly, or monthly schedules, depending on what works best for your budget.
What fees can I expect to pay with my caravan finance loan?
Common fees associated with caravan loans can include:
- Application or establishment fees
- Ongoing account-keeping fees
- Early repayment fees (if applicable)
- Late payment penalties
How does caravan finance work?
Caravan finance works similarly to other vehicle loans. A lender provides the funds to purchase your caravan, and you agree to repay the loan in instalments over a set term with interest. Depending on the loan type, the caravan may serve as collateral.
What kinds of loans do you offer for caravan finance?
We offer several types of loans for new and used caravans, including:
- Secured loans: Lower interest rates as the caravan is used as collateral
- Unsecured loans: No collateral required, but higher interest rates
- Personal loans: Flexible funding for caravans and accessories
- Chattel mortgages: Ideal for business owners financing a caravan for work purposes
- Commercial hire purchase: Perfect for businesses, where you hire the caravan and take ownership once all payments are made
- No deposit caravan loans: Lets you finance the full cost of the caravan without needing an upfront deposit
- Low doc caravan loans: A great option if you’re self-employed or don’t have standard financial documents like payslips
How can I get the best rate on a caravan loan?
Getting a great rate is all about showing lenders you’re a good borrower and doing a bit of homework. Here’s what you can do:
- Know your credit score: Lenders love a good credit score—it shows you’re reliable. If yours needs a little boost, try paying off small debts or tidying up any missed payments.
- Shop around: Not all lenders offer the same rates, so take the time to compare options. Even a small difference in interest can save you a lot over time.
- Keep it short: Choosing a shorter loan term might mean slightly higher repayments
How long will caravan loan approval take?
Approval times vary by lender but can range from a few hours to a few days. Pre-approval is often faster and gives you more bargaining power when shopping for a caravan.
Can I make additional payments?
Yes, many lenders let you make extra payments, which is a great way to pay off your loan faster and save on interest. Just double-check with your lender first. Some loans are flexible, but others might charge a fee for early repayments. Knowing the details upfront can help you plan and make the most of your extra payments!
Where can I get a good deal on a caravan?
There are plenty of places to snag a great deal!
- Online platforms: Sites for new and used caravans can offer competitive prices, and you can compare options without leaving your couch! Check out the great deals on caravans for sale at Only Vans.
- Caravan expos or dealerships: These often have special promotions or discounts, especially at big events.
- End-of-season sales: Dealers sometimes discount older models to make room for new stock, so it’s a great time to find a bargain.
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