Flexible Caravan Finance Solutions
Whether you're chasing weekend getaways or planning the ultimate Aussie road trip, owning a caravan gives you the freedom to explore on your terms. At AFS, we offer flexible caravan loans with competitive rates and easy approval, so you can focus on the adventure ahead. Let us help you finance1 your dream caravan and hit the road with confidence.
1. All loans are subject to verification, suitability and affordability.
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Choosing AFS for Your Next Caravan Loan
- Get fixed rates from 8.19% pa*, Comparison Rate 11.37% pa^
- Fixed interest rate for the life of the loan
- Borrow between $5,000 up to $130,000
- Loan terms from one to seven** years
- No age restriction on the caravan you want to purchase
- Buy your caravan from a dealer, an auction house or a private vendor
Comprehensive yet Simple Features and Fee Details
Get the Caravan You Want with Experts You Can Trust
Your journey matters — we’re here every step of the way.
Example Caravan Cost Chart
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $1,343 | $6,343 |
| 24 months at 7.99% APR & 23.98% Comparison Rate | ||
| $10,000 | $2,398 | $12,398 |
| 36 months at 7.99% APR & 14.53% Comparison Rate | ||
| $25,000 | $6,931 | $31,931 |
| 60 months at 7.99% APR & 10.08% Comparison Rate | ||
| $50,000 | $15,720 | $65,720 |
| 72 months at 8.49% APR & 9.46% Comparison Rate | ||
| $75,000 | $22,713 | $97,713 |
| 72 months at 8.49% APR & 9.14% Comparison Rate | ||
| $130,000 | $44,821 | $174,821 |
| 84 months at 8.49% APR & 8.84% Comparison Rate | ||
EXAMPLE: A secured car loan of $50,000 for 72 months has fees and charges totalling $15,720 and a total repayment of $65,720. The Minimum loan term is 24 months and the Maximum term 72 months. The loan term will be 72 months, 144 fortnights or 312 weeks. The Maximum APR is 8.49%. The Comparison Rate, based on a loan of $75,000 over six years, is 9.46%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Please Note: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 383 762.
Frequently Asked Questions (FAQs)
What types of caravans can l finance with AFS?
AFS offers financing for a wide range of caravans, campervans, camper trailers, and RVs including new, used, and even custom-built models. Whether you're purchasing from a dealer or privately, we could help1.
What is the advantage of owning a caravan over renting one?
Owning a caravan gives you the freedom to travel whenever you like without ongoing rental costs or availability restrictions.
You can customise and maintain it to your standards, making it feel like a home away from home. Over time, ownership can be more cost-effective than repeated rentals, especially if you travel frequently.
Plus, a caravan is an asset you can sell or upgrade in the future.
What kind of loans are available for caravans?
AFS offers secured personal loans with fixed interest rates and flexible terms ranging from 2 to 7 years. These loans are secured against the caravan, which often means lower rates compared to unsecured options.
Approved applicants can access up to 100% finance with no deposit required, and repayments can be scheduled weekly, fortnightly, or monthly to suit your budget.
What kind of loans are available for caravans?
AFS offers secured personal loans with fixed interest rates and flexible terms ranging from 2 to 7* years. These loans are secured against the caravan, which often means lower rates compared to unsecured options.
Approved applicants can access up to 100% finance with no deposit required, and repayments can be scheduled weekly, fortnightly, or monthly to suit your budget.
How long will it take to approve my loan application?
Once you've submitted your loan application, approval is conditional pending credit checks and verification of the information you have supplied. Approval is usually obtained within 48 hours, subject to satisfactory credit checks and verification of financial information. Your Loan Account Manager can provide more information about documenting your loan and the settlement process.
How much can l borrow for a caravan loan?
The amount you can borrow depends on the value of the caravan and your financial profile. AFS provides flexible loan amount with competitive interest rates to suit your needs. From $5,000 to $130,000.
Can l get pre-approved for a caravan loan?
Yes. AFS offers conditional pre-approvals so you know how much you may be able to borrow before choosing your caravan.
The process is quick, with most pre-approval decisions provided within a few hours.
If nothing in your circumstances has changed1, your loan should move smoothly from pre-approval to full approval. This should happen as long as no new issues are uncovered during the final checks when you’re ready to buy.
Do l need a deposit for a caravan loan?
While a deposit is not always required, providing one can help secure better loan terms. AFS will work with you to find the best loan structure, whether or not you have a deposit.
What do l need to apply?
Applying with AFS is straightforward and can be done completely online. You’ll need to:
-
Be at least 18 years old and an Australian permanent resident.
-
Provide details about your income and expenses so we can assess affordability.
-
Connect your bank statements securely through our digital service (no paperwork required).
-
Have a fixed residential address and meet our basic eligibility criteria.
Once you submit your application, our lending specialists will review it and get back to you - often within just a few hours.
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Things you should know
1 All loans are subject to affordability, suitability and verification.
* Interest rate (Annual Percentage Rate/APR) is only applicable for new goods that have not been pre-owned, where the amount borrowed is between $35,000 and $130,000 and where the applicant owns or is buying a property and has an established good credit history. Finance subject to approval, including the application lending criteria. Terms and Conditions apply. Fees and Charges are payable. Interest rates vary depending on the applicant's credit score and associated credit risks. Credit provider is Automotive Financial Services Pty Ltd - Australian Credit Licence 383 762.
^ Comparison rate for AFS Loan Contract and Mortgage is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
** Seven year loan terms by request only.
- If you use a licenced finance broker to assist you in applying for credit, there may be other fees and charges payable, such as a finance broker fee or Origination Fee. AFS enables you to finance an Origination Fee as part of the amount of credit up to a maximum value of $990 including GST. An Origination Fee represents the finance broker's fee to provide credit assistance to you. It is a one off fee that is only payable if you proceed with the suggested credit contract. Under the National Credit Code, a Finance Broker is required to give you their Credit Guide, a Credit Quote and, at the same time as providing assistance to you, give you a Credit Proposal Disclosure document which will details all the fees and charges payable and if any commission will be received by the finance broker.
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