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Caravan Finance.

Find your dream Caravan.

Caravan & Camper Finance in Melbourne.

We finance all types of RVs, including Jayco caravans, camper trailers, pop-tops, and motorhomes.

At LoanBrix, we help all Australians hit the open road with competitive and flexible caravan and camper finance. Whether you’re dreaming of travelling around the country, taking long summer journeys along the Great Ocean Road, or simply changing up your lifestyle to allow for greater freedom, we make financing your new or used caravan simple and stress-free.

We specialise in finding the right loan for your situation, offering solutions for everything from compact camper trailers to fully-equipped motorhomes, even if you have a complex credit history.

Contact Us now or Book a Time with one of our friendly brokers to begin your loan journey with us.

We provide finance for a wide range of leisure vehicles, perfect for your next Australian adventure, including:

  • Caravans (New and Used)

  • Camper Trailers & Pop-Tops

  • Motorhomes & RVs

  • Fifth Wheelers

  • Hybrid Caravans

How Our Caravan Finance Process Works

  1. Contact us and Speak with a Finance Specialist: We’ll discuss your needs and help you find the loan structure that fits your needs.

  2. Receive Your Pre-Approval: Know your budget with confidence before you visit dealers in Bayswater, Epping, or anywhere in Australia.

  3. Find Your Perfect Van & Finalise: Once you’ve chosen your caravan, we handle the paperwork and settle the finance as quickly as possible.

Can I Include Accessories in my Loan?

Yes, absolutely. At LoanBrix, your caravan loan can typically cover more than just the price of the vehicle itself. This is often called “gear financing.”

You can usually include the cost of essential accessories and add-ons in your finance application, helping you spread the cost instead of paying a large sum upfront. Common accessories we help finance include:

  • Solar Panels & Power Systems: For true off-grid freedom.

  • Annexes & Awnings: To extend your living space.

  • Towing Kits & Weight Distribution Hitches: Ensuring your vehicle is ready for the road safely.

  • Batteries, Air Conditioners, and Electronics: For comfort and convenience on your travels.

  • Bike Racks and Storage Boxes: To carry all your adventure gear.

Including these in your loan can simplify your budgeting. When you speak with one of our finance specialists, just let them know which accessories you plan to purchase so we can find a loan structure that covers the complete package.

New vs. Used: Which has Better Rates?

In the Australian finance market, brand-new caravans typically qualify for lower interest rates because they are viewed as lower-risk assets with higher resale security.

However, a lower rate doesn’t always mean a lower total cost. Here’s a quick comparison:

Vehicle Type Typical Rate Outlook Key Considerations
New Caravans Potentially Lower Rates Lenders often see new vehicles as lower-risk assets. Because of this, you may be offered slightly more competitive interest rates. They also offer the longest loan terms, which can keep your monthly payments lower.
Used Caravans Rate Based on Age & Condition Rates can still be very competitive, but they often depend on the caravan’s age (e.g., less than 5-7 years old). Older models might have a slightly higher rate or require a larger deposit. The key is the vehicle’s condition and market value as a security for the loan.

The LoanBrix Verdict: A lower rate doesn’t always mean a lower total cost. For example, a 2% higher rate on a used van that costs $30,000 less will still save you thousands in the long run.

With access to 54+ lending partners, LoanBrix compares both bank and non-bank lenders to find the best deal for you.

The Hidden Costs of Caravanning: A Guide to Budgeting & Finance

Owning a caravan is the ultimate symbol of Australian freedom, but the “sticker price” is only the first step. To truly enjoy the lifestyle, it is essential to budget for the total cost of ownership.

Below, we break down the hidden expenses of caravan ownership and how a structured caravan loan can help you preserve your cash flow.

1. Common Hidden Costs of Caravan Ownership

While the purchase price is a one-off, these recurring costs can impact your monthly budget:

Expense Type Estimated Cost (Annual) Why You Need It
Comprehensive Insurance $600 – $1,500+ Protects against theft, storm damage, and accidents.
Registration (Rego) $400+ Varies by state (e.g., VicRoads) and van weight.
Annual Servicing $300 – $600 Covers wheel bearings, brakes, and gas safety checks.
Secure Storage $1,000 – $2,500 Necessary if you lack space for a 20ft+ van at home.
Specialist Towing Gear $500 – $2,000 (Initial) Brake controllers, weight distribution hitches, and mirrors.

2. Why Smart Travelers Use Finance to Manage Costs

Many buyers believe paying cash is the best option, but in a high-inflation environment, strategic caravan finance offers a major advantage: Liquidity.

  • Preserve Your Safety Net: By using a loan to purchase the asset, you keep your savings intact. This “working capital” allows you to cover your first year of insurance, rego, and fuel for that first big trip across the Nullarbor without stress.

  • Include Extras in Your Loan: Many of our lenders allow you to bundle “on-road costs” (like registration and even some accessories) into your finance package.

  • Offset Maintenance with Cash Flow: A low-interest, fixed-rate loan provides a predictable monthly payment, making it easier to set aside a small “maintenance fund” each month for tires and gas refills.

3. Get Pre-Approved Before You Shop

The best way to manage the costs of caravanning is to know your limit before you visit the dealership. At LoanBrix, we help you find a loan structure that fits your lifestyle—not just your bank account.

Ready to Start Your Next Adventure?

Don’t let financing hold you back from exploring the beauty of Victoria and beyond. The team at LoanBrix is here to make your dream of owning a caravan a reality.

📍 Serving Melbourne & Surrounds: Whether you’re in the CBD, Southbank, Patterson Lakes, Brighton, St Kilda, or anywhere in Australia, LoanBrix is here to help.

Frequently Asked Questions (FAQs)

Can I get caravan finance for a private sale?

Yes. Unlike many big banks, LoanBrix can facilitate finance for caravans purchased through private sellers. We handle the extra paperwork and vehicle checks required to ensure the transaction is secure for both the buyer and the lender.

What is the difference between a secured and unsecured caravan loan?

A secured loan uses the caravan as collateral, which typically results in a lower interest rate. An unsecured loan doesn’t require collateral but usually carries a higher interest rate and is often used for older models or camper trailers.

Can I finance a used caravan that is more than 10 years old?

Yes, we have access to specialist lenders who provide finance for older caravans and vintage models. While some major lenders have age restrictions, our panel of 50+ lenders offers more flexibility for “pre-loved” van buyers.

Does caravan finance cover camper trailers and hybrid vans?

Absolutely. We provide tailored finance for the full range of recreational vehicles, including off-road camper trailers, hybrid caravans, pop-tops, and luxury motorhomes.

How long does the caravan loan approval process take?

Most of our clients receive a “pre-approval” within 24–48 hours. This gives you the confidence to negotiate with dealers or private sellers knowing exactly what your budget is.

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54 Lending Partners

We have relationships with all the major financial institutions and are constantly reviewing new and innovative loans to help provide you with the best possible solution.

Five Star Rated

We have over one hundred 5 Star ratings from clients on our Google business profile. We pride ourselves on customer service, and aim always to provide the best possible experience.

MFAA Member Since 2009

To become a member, individuals must meet specific requirements, including professional qualifications, a good character, and holding an Australian Credit Licence (ACL) or being a Credit Representative.

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