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Caravan Loans Finance | Caravan Loan Repayment Calculator

Credit One is Australia's leading Caravan, RV and Camper Trailer finance broker. We have access to over 30 of Australia's best lenders. Our experienced Caravan Finance Team compare all of the options and do all of the leg work for you, so you don't have to.
To see just how affordable it is to finance your dream purchase, try our free, no-obligation caravan finance calculator or call us on 07 3420 7030.

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What is the Caravan Loan Calculator?

So you’ve made the decision to buy a new caravan, camper, motorhome or RV vehicle. Congratulations!

Caravans and RV’s are extremely popular for exploring the vast Australian landscape. Buying a caravan is a big purchase and given the price tag, buyers often choose to purchase their caravan through a financing agreement.

If you’re intending to take out a loan for your caravan purchase then the caravan loan repayment calculator above is the perfect tool to get the process started. 

The caravan loan calculator can show you how affordable financing a caravan can be. You will be able to get an estimate of how much you will be paying each week, fortnight or month, allowing you to see what you can afford. The estimated repayments you get from the calculator are based on various factors, such as loan term, loan amount, interest rates and the frequency of payments.

While the caravan loan calculator can’t take into consideration all of your personal circumstances and give you a 100% accurate repayment figure, it’s a great way to quickly get an estimate.

How To Use The Caravan Loan Calculator

Using the caravan loan calculator is easy. It helps you understand what you can afford and how much you can expect to be paying each week, fortnight or month, and over the course of the loan. Here are some key terms to understand when using the calculator:

  • Loan amount: this is the total amount of money you intend to borrow for your caravan purchase. It will generally be the price of the caravan, minus the deposit. You can change this value in the loan calculator to get an idea of how much you can really afford to borrow.
  • Loan term: a longer loan term will mean you can make smaller payments but over a longer period of time. It will take longer to pay the loan off and you will pay more interest, but your regular repayments will be more affordable.
  • Interest rate: the lower your interest rate, the more affordable your loan will be. This figure is expressed as a percentage. The exact interest rate on your loan will depend on your personal circumstances.
  • Frequency: the caravan loans calculator allows you to choose between weekly, fortnightly or monthly repayments. While the repayment amount won’t change, one option might be easier for you to manage.

Why Use The Caravan Loan Calculator

When it comes to buying a caravan or RV, many people mistakenly only look at the purchase price. But if you’re intending to purchase your caravan through a finance agreement then you need to consider more than just the purchase price. 

It’s crucial to know the regular repayments you will be making on your loan, which will vary depending on how you choose to structure your loan. Before getting deep into the buying process, you should determine how much you can borrow and the repayments associated with that amount. The loan calculator is the easiest and fastest way to get an estimate of this. By entering each of the different factors discussed earlier, you will be able to determine what you can afford to pay back on a regular basis.

Knowing your repayments is most important when you’re taking out a caravan loan. This repayment figure is determined by those variables mentioned above. Out of those variables, you should be very cognizant of the interest rate. A higher interest rate will have you paying off more money over the term of the loan, on top of the purchase price of the caravan. Using the caravan loan calculator, you will be able to quickly see how much the interest rate impacts your repayments.

When you’re in the market for a new caravan, camper, motorhome or RV vehicle, knowing how your purchase and the repayments associated with it will impact your budget and lifestyle is a big benefit. Once you know your repayment numbers, you can work out how it’s going to impact your lifestyle.

Other Factors To Consider

Now you know the different factors that affect your repayments, let’s take a look at what else you should consider before taking out your caravan loan.

There are 4 questions you need to ask yourself:

  1. What’s the price of the caravan?
  2. What deposit will I be putting on the vehicle?
  3. What is the interest rate?
  4. How long will the loan be?

By answering these questions, you can determine how much your loan is actually going to cost you. While the cost of the caravan might be $50,000, you need to consider the answers to the questions above to work out the overall cost of the loan.

Many experts recommend that your total payment should not exceed 10% of your income. You need to allow money to be left over for other expenses in your life. If you are paying off other debts, this should also be taken into consideration.

It is often recommended that your loan term should not exceed four years. The longer the term of your loan, the more you will end up paying in interest. 

When deciding on how much you want to borrow, consider how your financial circumstances may change in the coming years. Are you likely to change jobs, move house, have children or encounter large medical bills? These will all impact your capacity to make your repayments. 

What Are The Next Steps?

Now that you have used the caravan finance calculator and have an idea of what repayments you can afford, you are ready to take the next steps. While the calculator gives you valuable insight into what you can and can’t afford, it’s important to contact a broker who can accurately assess your financial situation and borrowing power before taking out a loan.

Speaking to a Credit One finance expert will allow you to gain a complete assessment of your financial situation, so you can get complete clarity on your repayments and options available to you. We have a team of expert finance brokers who provide you with a deeper evaluation of the caravan loan calculator results, taking into consideration your individual circumstances. 

The broker will help determine exactly how much you can borrow on your caravan loan, and provide you with expert and advice, guiding you through the full process of taking out caravan finance. With access to over 40 of Australia’s most reputable lenders, a Credit One broker will be able to help you find the best rate for your circumstances. 

Once you have tried the calculator yourself, please give us a call or submit an online enquiry (only takes 30 seconds) so you can get your dream caravan sooner. 

How much are payments on a $30000 loan?

When researching what repayments really do look like on a loan it can be wide and varied and a little confusing. What needs to be understood is how an interest rate is finally determined. Some of the factors include the amount to be borrowed, your current financial circumstances, asset position, credit history and present and past employment. When you have a chat with a Credit One broker an indicative rate can be worked out with a good deal of accuracy. This will give you an idea of the repayments and if it fits within your budget.

How can I get a $30000 loan?

Easiest and fastest way is to make the call, have the chat and see if you qualify. We can even have same day approval to suitable applicants.

Can you lease a caravan?

Depending on your current financial and employment circumstances and what your end goal is. There are a number of options for lending based on how you want to structure the loan. A detailed chat is the best way to find out what’s the best way to structure a loan for you.



  • Hi Ellen

    Trent and I would like to say a big thank you for all your help regarding our loans and consolidation

    You were always fast in replying to my many emails and also rang me and keep us informed even outside normal working hours.

    You made things easy for us to understand and it was a stress free process.

    Thank you again I have no problem recommending you in the future to my friends and family.  


    Michelle Blair

    - Michelle Blair

  • Hi

    I am one of your customers and had a settlement today on my new van.

    I am writing to you today to heap praise on Brooke Siebuhr who arranged my loan. She was quite outstanding! Was utterly diligent, informative, professional and most importantly fun! You are very lucky to have her on your team.

    I will refer her and your company to anyone in a similar situation to mine. I wish you, her and your company a prosperous future. You all deserve it.

    - Mark Moody

  • My Finance Consultant Emma was an absolute gem!!

    She was fantastic in helping me with finance to buy a Motorhome.

    I Highly recommend Emma & Credit One!!

    Also Exceptional communication from start to finish.

    I could not of got a set of keys to my dream motorhome without Emmas help.

    Thank you so much.

    5 stars all the way!!

    - Ben Bowditch

  • Dear Emma,

    Karen and I Just wanted to drop you a line to say a huge THANK YOU for the amazing customer service you provided throughout the acquisition of finance for our new Camper Trailer.

    Your attentiveness through out the process from start to finish was second to none. It was refreshing to deal with someone who always answered the phone or returned my call within minutes to answer my (numerous) questions and kept promises with timeframes provided for completing actions.

    I was pleasantly surprised by how fast and hassle free the process was and then even more surprised when we got the approval in less than 24 hours from first talking through our options with you.

    The advise you gave us about the effect of vehicle age on interest rates was great and now we have a brand new Camper Trailer with all the options we wanted and still came in under the repayment budget we had set for a second hand unit.

    With Finance Consultants such as yourself working for Credit One, it's no mystery why you have such great reviews on Google and forums. I would have no hesitation in recommending Credit One to my friends and family.

    Thanks again and best wishes,

    Nathan & Karen Evans

    - Nathan & Karen Evans

  • Thank you Karlene, Ian & not the least Brett.

    Thank you for your efforts you have all worked so hard for me to achieve such an outstanding result.

    A friend of mine said you can now start the next chapter of you life, I said the last chapter.

    We all must have a dream, at close to the age of 69 you have made that dream come true for me.

    Thanks again

    - Gary Arundell - Proud owner of a 2018 Jayco Freedom courtesy of Credit One and Watsons Coffs Harbour

  • Hi Brooke

    Thanks ever so much for working so hard for me to ensure settlement proceeded with relative ease.

    Wishing you a brilliant festive season.

    Oh yes, I will enjoy caravanning once again.

    Thanks once again.

    Kindest regards

    Peter Wright

    - Peter Wright

  • I recently had the pleasure of having Jake from Credit One acquire a loan so my family and I could purchase a new caravan.
    My wife had put in an inquiry, and within the next 30 mins I received a text message letting me know he would be contacting me shortly.  Which he did in very approachable manner. I found Jake to be professional, polite and very efficient at what he does.
    Needless to say because of Jake we now own a new caravan and could not be happier with the efficiency and ease in which the transaction as taken place. A big Thanks to Jake!

    Kind Regards,
    Shaun Allen

    Purchased a Jayco Swan from Prestige Jayco

    - Shaun Allen - Purchased a Jayco Swan from Prestige Jayco

  • Hi Brett,

    Stephen and I would like to sincerely thank you for all the effort and time you put into getting our loan for our new Jayco Caravan approved. it has been our dream to get a caravan and you made this possible. From start to finish you told us what was happening, you were very professional, friendly and honest.

    We cannot thank you enough. Now all we have to do is enjoy our new caravan. Thank you sincerely.

    - Amanda & Stephen McPherson

  • Andrew,

    I was able to pick up my caravan on Friday. After the hand over stage, it was confirmed that paperwork had been received by Prestige Jayco and ok was given to me to hitch the van and be on my way.

    I wish to thank you for your wonderful service Andrew. Your speedy service, and how you kept me informed throughout the process was excellent. No doubt, I will recommend you to anyone who needs finance for a purchase.


    - Jason Holmes

  • I recently purchased a new Jayco caravan. Milena made it too easy for us! We previously had trouble getting finance for a new van but Milena had us approved within an hour! Thank you.

    S.Potter. Jayco Expanda. Brisbane Camperland 

    - S. Potter

  • Thank you! Jake at Credit One has made it a simple process to get finance for my purchase of a Jayco Expanda. Quick result!

    - Marcus Lusty

  • A huge thank you to Brett Murphy for the exceptional service.

    You made the purchase of our camper, painless and easy.

    I would highly recommend you to future customers.

    Thank you!

    Purchased 2015 Jayco Swan from Bayswater Jayco


    - Kylie

  • Thank you Credit One for taking care of the finance for my new Jayco Caravan, I can’t believe how fast and prompt your service was, when I find something I want (as my wife calls me) I'm like a dog with a bone and won’t let it go… I called Credit One and within a few quick my van was funded. They even beat the caravan dealership.

    - Andrew

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