Caravan Finance Sunshine Coast

Let the coastline be your only boundary and explore Australia by caravan. Caravan finance on the Sunshine Coast has never been more accessible with Credit One’s caravan loans and finance.

Credit One is the Sunshine Coast’s leading provider of caravan finance, getting more sun-chasers on the road in the caravan of their dreams. With our smooth brokerage service, we’ll ensure that the longest part of the process is how long it will take you to choose your ideal motorhome. 

Drawing on our 20 years of experience facilitating caravan and motor home financing for customers, our customer-centric brokerage focuses on matching our customers with their ideal loan options from our partnered financiers. With Credit One, you will have no shortage of choices, as we are partnered with over forty of Australia’s top lenders, including a select few not available to the public. 

When you think of Credit One, think of our history of over 20 years of industry-leading service. Our services have earned us over 1100 five-star Google reviews, amongst further national acclaim, being named Eric Insurance’s Broker of The Year for three consecutive years. We put our customers first, and we are determined to help secure them the best loan for your financial circumstances. We work together with all parties, borrowers and lenders and mediate the best outcome for all parties. Credit One is determined to get you out and exploring the Sunshine Coast as quickly as possible.

We encourage prospective borrowers of all financial backgrounds to apply if they are interested in a caravan or other recreational vehicle. We cannot guarantee the success of every applicant but based on the relationships with our partnered lenders, Credit One puts you in the best chance to secure a loan. Call Credit One today on 1300 273 347 to chat with a team member about where you stand or by filling out our no-obligation caravan finance quote online. 

Applying for Your Caravan Loan

Starting your caravan finance application takes only 20 minutes. At this time, we will go over your lending profile, current financial situation, any assets or liabilities, and your financial objectives when it comes to your caravan or motorhome. You’ll be made fully aware of the loan terms and applicable interest rates on the loan amount, plus your options for structuring the loan. 

When this application has been completed based on your intended loan amount, you’ll need to provide our broker with supporting documentation to support your financial capabilities. For business-related loans, this will include company information. 

Getting your hands on the caravan finance Sunshine Coast locals trust has never been easier with the assistance of Credit One. Your broker will be with you every step of the way and keep you informed regarding any administration obligations. The simple process follows as:

1. You make your application to Credit One, including all relevant supporting documents to demonstrate financial ability.
2. You will be presented with loan options from our partnered lenders by your broker, 
3. Decide on a lender and the finance option that suits you best. 
4. Once your caravan finance has been approved, you can either go ahead with a purchase if you have one already selected or begin shopping. 
5. If you are buying a used caravan, you can let the seller know and organise a collection.
6. Repayments will commence once the caravan loan has been settled.
7. If you are buying a new caravan, your broker will look after everything with the dealer regarding tax invoice requests and payment from the financier of the unit before collection.

Caravan Finance Sunshine Coast Frequently Asked Questions 

Why Should I Finance a Caravan Rather Than Purchase Outright?

Choosing to buy or finance your caravan can be a tricky choice. Caravan loans today have never been easier to access, or cheaper. With national interest rates at an all-time low, it has never been a more perfect time to secure your finance. 

1. Once you start to complete payments on time, you will then build your credit history, which will assist you in getting other loans in the future at a better rate. 
2. When you finance your caravan, you will have access to your money when you need it, rather than all your available cash being tied up in a single asset. 
3. You can consolidate multiple loans into a single loan, paid monthly. Meaning you will only need to consider one payment. 
4. Financing a caravan allows you to use the caravan or other leisure vehicle right away. You do not need to put money away for years to purchase your vehicle, and you can use that money over time to fund the repayment. 

Ultimately, whether you should buy or finance a caravan comes down to your financial situation and how you handle your money. We are not licensed to give financial advice, so we recommend consulting with an accountant or financial advisor. 

What Are the Features of a Secured Loan?

The choice between a secured or unsecured loan can be made by you after a conversation with one of our licensed brokers. It will come down to exactly how you wish to manage your loan. Secure loans have the benefits of:

• Fixed interest over the term of the loan
• Lower interest rates when fixed
• Marginal exit costs 
• The option to make extra loan repayments
• Lower account keeping fees
• The choice between partial or full funding
• More flexibility and control for you

Can I Finance Both New and Used Caravans? 

Absolute, part of what makes Credit One’s caravan finance Sunshine Coast service so attractive is the flexibility of what you can secure a loan for. Some lenders will not offer finance for a second-hand caravan, or purchase from a private seller. However, with Credit One’s brokerage, you can secure a loan from a lender for a caravan, no matter the seller. 

Remember that your choice to finance a second-hand caravan will impact your available interest rates. New vehicles will have lower interest rates than those for second-hand caravans or motorhomes. Some lenders will only provide a loan relative to the age of the asset itself, so it is always best to check with your Credit One broker and see how your options look for the purchase you had in mind. 

I Have a Bad Credit Rating – Will I Still Be Eligible for Caravan Finance?

Eligibility for caravan finance is influenced by so many factors it is hard to say whether an individual is immediately ineligible based on bad credit. We believe every customer of Credit One can use their unique financial circumstances to their benefit to secure a loan.

We pride ourselves on our well-established relationships with our partnered financiers. We will use these relationships to the advantage of our customers to present loan options they never thought conceivable. If you are looking for caravan finance on the Sunshine Coast and are worried about your credit history, we encourage you to still contact Credit One on 1300 272 348, and we will lay your options out for you.