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Why Choose Us
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FAQs

What our customers say ...

We know that customers are at the centre of our business. That is why everything we do, we do for our customers. See why Credit One has become one of the most trusted and preferred brokers in Australia.

Alan was extremely helpful in the whole process. Made sure to let the customer feel understood and happy. Very helpful and informative. I would recommend over anyone else, he was honestly amazing.

Thank you Alan at credit one made the process easy and super friendly we highly recommend 😊

We have just purchased a car and caravan with credit one. As excited as we are about our new purchases and dealings with credit one. A shout out to Alan Wat has to be made for making this process as seamless as possible. Alan helped through every step of the application process right through to settlement.

He also assisted us in getting a great rate for car and caravan insurance, both of which we chose to go with. Nothing was ever too much trouble and he was always a friendly voice ready to help on the other end of the line. Alan definitely deserves the 5 stars for this company.

Alan was awesome. Got finance for a camper trailer and it was the easiest process. Very thankful. Highly recommend. Excellent service.

Alan Wat is the person who organised our finance again, and as with the last occasion he went above and beyond in looking after us. I truly wish to thank him. We will be back.

Alan Wat was amazing. I was in such a bind and he was patience and worked hard to help me out the best he could. Communication was great, will highly recommend to all who needs a helping hand.

Highly recommend Alan to help with all your loan needs. We have used many brokers over the years and we can confidently say that Alan has been by the far the best. Knowledgeable, no fuss, professional and efficient - we would and will continue to use Credit One in the future.

Alan went well above and beyond to help us out! Made things so simple and we gave him a very short time line to get finance organised and he delivered! If you’re looking into boat finance, highly recommend!

We were introduced to this company through a colleague and were allocated Alan, who was very prompt, reliable and who managed to get us an awesome rate for the boat that we just purchased. Will definitely use again!

This is our 2nd caravan purchase with the help of Alan Watt. You have made the experience each time so easy. Great communication. Simple process and super quick approval and funding.

Credit One vs Banks

We aim to set an example by delivering what we promise: a higher level of service, better advice and better loans.

		Banks
Support from dedicated brokers	✓	✓
A one-stop solution	✓	✖
Discounted interest rates	✓	✖
Legal duty to act in your best interests	✓	✖
16 hours phone enquiry support	✓	✖

Why Choose Credit One?

Convenience

We compare all finance options on your behalf

Flexibility

Tailored finance packages to suit your needs.

No Waiting

60-seconds Online Quotes
Same day approval.

Trusted Service

Top customer care 7 days a week
Get your quote now.

Our Process

Step 1

Quote Estimate

(1 min)

Get an indicative payment and rate for your new purchase.

Step 2

Apply

(5 mins)

Provide some details about yourself, financial details and the asset that you want to buy.

Step 3

Speak with a finance expert

(10 mins)

Our dedicated Credit One experts will help you compare options from our panel of leading lenders.

Step 4

Approval

(1-2 hours)

We will get you an approval with one of Australia's best lenders. You can put down the deposit on your new asset.

Step 5

Sign your contract

(24 hours)

We will send you the loan contract to sign.

Step 6

Collect your new caravan

Congratulations!

We will organise funds transfer and you can collect your new caravan.

FAQs

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
Chattel mortgages: Ideal for business owners financing a caravan for work purposes
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.