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Low Doc Caravan Loans
Low doc caravan loans from Credit One makes it easy for self-employed buyers and business owners to finance a caravan with minimal paperwork.
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What is a Low Doc Caravan Loan?
What is a Low Doc Caravan Loan?
A low doc caravan loan is designed for self-employed buyers and business owners who might not have tax returns or financial statements on hand. This type of caravan finance lets you secure your caravan with minimal fuss, so you can focus on getting on the road, not digging through paperwork.
With low doc caravan loans, you can finance a new or used caravan without the delays of extensive documentation. Lenders may accept alternative proof of income, like bank statements or an accountant’s declaration, making it much easier to get the funding you need. It’s a faster, simpler way to hit the road without the usual red tape.
Low Doc Caravan Loans Made Simple
At Credit One, we understand that not everyone has traditional payslips, but that shouldn’t stop you from securing a caravan loan that works for you. We specialise in low doc finance solutions that cater to self-employed applicants, small business owners, and entrepreneurs who need a more flexible approach to lending.
With access to a wide network of lenders, we help you find competitive low doc finance rates and repayment terms that fit your financial situation. Whether you’re after a compact camper or a full-sized caravan, we make the process fast, straightforward, and stress-free.
Getting a Low Doc Caravan Loan Step By Step
01
You’ve Found Your Dream Caravan
02
One minute
We’ll recommend a loan based on your finances and the caravan you want.
03
5 minutes
We’ll submit your application and negotiate all the terms for you.
04
1-2 hours
Once the loan is approved, all you have to do is sign and begin making your payments.
Your adventures begin!
Once the lender has paid the seller, you’ll drive away in your caravan.
Get on the Road Without the Paperwork Hassle
Get on the Road Without the Paperwork Hassle
Dreaming of a new caravan but drowning in paperwork? We get it. Traditional lenders can make financing feel like an uphill battle, especially if you’re self-employed or running your own business. That’s why Credit One low doc caravan loans are designed to cut through the red tape, giving you a faster, simpler way to secure the caravan you need.
No tax returns? No problem. Whether you’re hitting the road for work, adventure, or investment, we connect you with lenders who understand that financial freedom shouldn’t come with endless forms.
Why Choose Credit One for Low Doc Caravan Loans
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.
FAQs on Low Doc Caravan Loans
Am I eligible for a low doc loan?
If you’re self-employed, a sole trader, or a business owner without traditional financial records, you may be eligible for a low doc caravan loan. Lenders typically assess your ability to repay the loan based on alternative documentation like bank statements or BAS statements instead of tax returns.
Do I need an ABN to apply for a low doc caravan loan?
Yes, most lenders require you to have an active ABN (Australian Business Number) to qualify for a low doc loan. Some may also prefer businesses that have been operating for a minimum period, but we can help find lenders who work with newer businesses as well.
Can I get a low doc loan if my business is newly established?
Yes! While some lenders prefer businesses that have been operating for at least 6–12 months, there are options available for newer businesses. If your business is less than a year old, alternative proof of income, such as bank statements or an accountant’s letter, may be required.
What documents do I need to provide if I don’t have full financials?
Low doc loans don’t require full financial statements, but you may need to provide:
- Bank statements showing business revenue and expenses
- BAS (Business Activity Statements) for recent quarters
- An accountant’s declaration confirming your income
- Proof of ABN and GST registration (if applicable)
Are interest rates higher for low doc caravan loans?
Low doc loans may have slightly higher interest rates than traditional loans because they carry a greater level of risk for lenders. However, we compare multiple lenders to secure the most competitive rates available for your financial situation. We can also discuss the potential of a secured caravan loan or unsecured loan for you.
How much can I borrow with a low doc loan?
The amount you can borrow depends on your income, credit profile, and the lender’s criteria. Many lenders offer up to 100% financing, meaning you may not need to provide a deposit. We’ll help you determine your borrowing capacity based on your circumstances. Try our caravan finance calculator to estimate your repayments depending on how much you borrow.
Is a deposit required for a low doc caravan loan?
Not always! Some lenders offer no deposit options, while others may require a deposit depending on your financial history. A deposit can help lower your repayments, but we’ll help you explore options that work best for your cash flow.
Can I apply for a low doc loan as a sole trader?
Yes, sole traders are eligible for low doc caravan loans. Since sole traders often don’t have traditional payslips, lenders will assess your income using bank statements or BAS statements instead. We can help you find a lender for caravan finance that understands the needs of sole traders and business owners.
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