Fast Caravan Pre-Approvals
Know your borrowing power before you visit a dealer or inspect a private sale caravan. Many applications receive indicative approval within one business day—see our guide to caravan finance pre-approval.
Caravan Finance Specialists
Australia-Wide Caravan & RV Finance Solutions
Whether you’re purchasing from a dealership or through a private sale, National Leisure Finance compares options across 40+ lenders to secure tailored loan terms for your next adventure—remotely, quickly, and with zero obligation.
Why Choose NLF for Caravan Finance
National Leisure Finance Pty Ltd is a licensed Australian caravan finance broker—not a bank. Under Australian Credit Licence 522858 and AFCA Membership No. 78341, we match your rig, budget and purchase type to the right lender from our 40+ caravan lender panel, with transparent fees, private sale expertise and Australia-wide settlements from metro dealers to regional private sellers.
40+ Caravan Lenders
We compare secured consumer caravan loans Australia-wide, RV finance and low-doc commercial options across Australia’s leading leisure asset providers—not one bank’s single policy. Explore caravan financing options.
Dealer & Private Sale Caravans
Buying from a dealership, ordering factory direct or purchasing a used caravan privately—our private sale specialists coordinate PPSR checks, security registration and settlement end-to-end. Learn why use caravan loan brokers.
Licensed credit assistance · ACL 522858 · AFCA Member 78341 · ABN 22 117 674 245 · Australia-wide broker service
Estimate Your Caravan Loan Repayments
Enter your caravan price, any cash deposit or trade-in, preferred loan term and selected circumstances to see an indicative weekly repayment. This is an estimate only — not an approval, a lender offer, or a guaranteed rate.
Calculate Your Repayments
Get an instant, indicative weekly repayment estimate
Estimated Weekly Repayment
$282.07*
per week
Indicative interest rate
6.85% p.a.
Comparison rate
9.52% p.a. *
Based on the statutory $30,000 / 5-year secured-loan example and applicable fees.
Why is the comparison rate higher?
The comparison rate uses the prescribed $30,000 over 5 years example and includes applicable fees and charges. Because some finance fees are fixed, they have a larger percentage effect on that smaller example than they may on a larger caravan loan. It is not the interest rate applied to the loan amount you entered above.
Repayment estimates include NLF’s current indicative allowance for common finance fees and charges. Actual lender rates, fees and repayments may vary.
NLF is a finance broker that compares options across multiple lenders. This is an indicative estimate only — not a credit offer, approval, or lender assessment. Credit Score and Residential Status selections are illustrative inputs, not a credit assessment.
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.
Important Information: The weekly figures provided by this tool are calculated as guide estimates only and do not constitute a formal offer of finance. Estimates include the documentation, establishment, PPSR, credit-search and monthly account fees described below. Other fees and charges may still apply. For a tailored quote, please get in touch directly with our team on 1800 653 346.
Your finalized contractual interest rate and repayment schedule will vary based on specific individual elements. These include the age, condition, make, and model of the asset being acquired, alongside your unique credit history file and personal or company application details. Choosing alternative loan features or structuring parameters will directly change the calculation outputs. All baseline interest rates utilized throughout this form represent indicative options sourced across the broader National Leisure Finance credit lending panel.
Weekly estimates are calculated from the purchase price minus any cash deposit or trade-in, plus NLF’s current indicative allowance for common finance fees, using the indicative interest rate shown above. The displayed weekly repayment is converted from a monthly repayment that includes the monthly account fee. Stamp duty, delivery and registration are not included. This tool is an educational estimate only. Finance approval remains subject to lender assessment. Call 1800 653 346 for a tailored quotation.
This estimate includes a documentation fee of $990.00, an establishment fee of $499.00, a PPSR registration fee of $3.40, a PPSR search fee of $0.00, a credit search fee of $6.80, and a monthly account fee of $8.90. The Website calculator does not include separate trade-in payout, GAP, warranty or CCI inputs.
Comparison rate: the displayed comparison rate is a nominal rate per annum for a secured loan of $30,000 over 5 years. It is calculated from the current indicative interest rate and the calculator’s included credit fees and charges. It is not a quote. 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.
National Leisure Finance | Australian Credit Licence Number: 522858 | AFCA Member: 78341 | Phone: 1800 653 346
Ready to explore your finance options?
Use the quick online application and an NLF finance specialist can review your details and help assess suitable options across the lender panel.
Apply Now
REAL CARAVAN BUYER REVIEWS
What Caravan Buyers Say About NLF
★★★★★
“Received awesome financial advice and assistance from Mr Jimmy Collins, here in Townsville, with the purchase of my Snowy River SRC22S Caravan. It was a pleasure to have his assistance, and if any of my friends are looking for finance, I will definitely recommend Jimmy and National Leisure Finance.”
★★★★★
“First time using NLF for a loan to purchase a caravan. Trish was amazing, made the process so easy, only took 48 hrs and the funds were transferred and the interest rate comparable to the big banks. Would highly recommend 😊😊 Thank you!!!”
★★★★★
“Trish from NLF was fantastic to deal with! She made buying our new family caravan super easy and stress-free. Couldn’t be happier with the experience – thanks Trish!”
★★★★★
“Veronica at NLF is amazing. We applied for caravan finance and Veronica made the process very easy. I would definitely recommend Veronica and NFL Finance. Thanks again Veronica for making our Dreams Come True 💯”
Apply for Caravan Finance
Complete our secure online application and our specialist team will match you with the right lender from our 40+ caravan finance panel.
Caravan Finance Options in Australia
The right caravan finance can depend on how the van is being purchased and how it will be used. As a licensed finance broker, NLF helps compare suitable options across our lender panel for dealership, factory-order and private-sale caravans.
Dealership Caravan Finance
Dealership and factory-order purchases are often a straightforward way to arrange finance for a new or used caravan. NLF can help settle against a dealer tax invoice, coordinate a trade-in where one is involved, and work with factory-order deposits when you are ordering a van.
Because NLF is a finance broker rather than a lender tied to one finance product, we can assess suitable options across our lender panel rather than relying on a single dealership finance option. Not every lender is considered for every applicant, and rates, fees and approval remain subject to the lender’s assessment.
Read why use caravan loan brokers for a fuller comparison. If you already have a manufacturer in mind, see Brands We Finance.
Private Sale Caravan Finance
Yes — NLF can assist with finance for many used caravans bought from a private seller, subject to the asset, lender policy and your circumstances.
Private-sale finance usually involves extra checks that a dealership invoice may already cover. Our team can help with seller verification, PPSR and security checks where they apply, and settlement so a secured caravan loan can be registered against the van. Lenders make the credit decision. Title, asset condition and policy all affect the outcome — NLF does not guarantee clearance of title or approval.
Eligible buyers may still access secured consumer caravan finance similar to a dealership purchase, subject to credit criteria and lender policy.
Caravan Financing Options & Structures
Caravan finance is not one universal product. Many personal buyers use a secured consumer caravan loan. Self-employed or business buyers may, where eligible, use a commercial structure such as a chattel mortgage. Terms, deposits and features can also differ with the van, the purchase type and your circumstances.
NLF helps match the structure to how the caravan will be used rather than forcing a single product. For more detail, see caravan financing options. Retirees and long-distance travellers can also read our grey nomad caravan finance guide.
Australian Credit Licence 522858 | AFCA Member 78341 | ABN 22 117 674 245. Rates and repayments shown elsewhere on this site are indicative only. Credit criteria, fees and charges apply.
Caravan Finance Frequently Asked Questions
Straight answers on how caravan finance works, private sales, deposits, borrowing, rates and applying with NLF as a broker.
What is caravan finance and how does it work?
Caravan finance is a loan used to buy a new or used caravan. Many caravan loans are secured against the van, with repayments made over an agreed term.
The lender assesses both you and the caravan. NLF is a licensed finance broker, not a lender: we compare suitable options across our lender panel for dealership, factory-order and private-sale purchases. Not every lender is considered for every applicant.
Use the repayment calculator on this page for an indicative weekly estimate before you apply.
Can I get caravan finance for a private sale?
Yes — NLF can assist with finance for many caravans purchased from a private seller, subject to the asset, lender policy and your circumstances.
Private-sale purchases can involve extra seller, security and asset checks that a dealership invoice may already cover. Lenders make the credit decision. NLF does not approve the loan or guarantee clear title.
See Caravan Finance Options in Australia on this page for the fuller private-sale explanation.
Do I need a deposit for a caravan loan?
A deposit is not universally required. Whether you need one depends on the lender’s policy, the caravan and your circumstances. Some applications need a borrower contribution.
A cash deposit or trade-in can reduce the amount borrowed and the repayments. You can include either in the repayment calculator for an indicative estimate.
How much can I borrow for a caravan?
Borrowing capacity depends on factors such as your income, existing commitments, credit profile, loan term, the caravan and the lender’s criteria. There is no single published limit that applies to every applicant.
The calculator estimates weekly repayments from the figures you enter. It does not determine how much you can borrow. An application or pre-approval is how a borrowing position is assessed.
How long does caravan finance pre-approval take?
Timing varies. Complete information and documents help a file move. Some straightforward applications can progress quickly once we have what we need; extra lender checks or missing information can take longer.
Pre-approval is an indicative assessment of your borrowing position. It is not final approval, a lender offer, or a guarantee that a particular van will settle. Apply online when you are ready, or read our caravan finance pre-approval guide.
What affects caravan finance interest rates?
Rates can vary with the lender, your circumstances, credit profile, the caravan, loan amount, term, loan structure and the lender’s policy at the time. Other factors can also apply.
The rate shown in the calculator is indicative only. It is not a personalised lender offer, and it is not a guaranteed or “best” rate.
Does my credit score affect caravan finance?
Yes — your credit history can affect lender eligibility, pricing and the options that may be available. There is not one universal credit-score cutoff across NLF’s lender panel.
Lenders assess more than a single score. Income, existing commitments, the caravan, stability and the overall application can also matter. A stronger profile does not guarantee approval, and lenders make the credit decision.
Why use a caravan finance broker instead of a bank or dealership?
A bank generally offers its own products under its own policy. Dealership finance may use that dealer’s preferred lenders or arrangements.
NLF is a licensed finance broker with access to 40+ lenders. We assess suitable options from our panel based on your application and how the caravan is being purchased, including dealership and private-sale transactions. Not every lender is considered for every applicant, and we do not promise a better rate than a bank or dealer desk.
Read why use caravan loan brokers for a fuller comparison.
Can I finance a caravan for business use, and is it tax deductible?
If the caravan is genuinely for business use, a commercial structure may be available, subject to actual use, the applicant or business, and lender policy. Personal-use caravan loans are a different product.
Tax treatment depends on your circumstances. NLF is a finance broker, not a tax adviser. Speak with your accountant or tax adviser about deductibility before relying on any tax outcome.
Caravan Finance Options in Australia outlines consumer and commercial structures. More detail is in our financing options guide.
Can grey nomads and retirees get caravan finance?
Yes — retirement itself does not automatically prevent caravan finance. Lenders still assess your ability to service the loan and your overall circumstances. Income sources and lender requirements vary, and not every retiree will qualify.
NLF can assess suitable options from our lender panel for retirees and long-distance travellers. Read our grey nomad caravan finance guide for more detail.
Does NLF arrange caravan finance Australia-wide?
Yes. NLF works with customers around Australia. Applications can be handled remotely by phone, email and online form, including dealership and eligible private-sale purchases, without needing to live near an NLF office.
Availability still depends on the lender, the product and normal assessment. NLF arranges this as a licensed broker under Australian Credit Licence 522858. If you already have a manufacturer in mind, see Brands We Finance.