Caravan Personal Loans

Personal loans whose lenders say they can fund a caravan, most of them secured against the van. Compare them from 5.95% to 16.25% (5.95% to 16.25% comparison rate*) p.a. with NOW Finance's Secured Personal Loan, and check each lender's limits on the van's age before you apply.

Rates checked against every provider’s own published data on 19 Oct 2026

Last updated 19 Oct 2026 · Who wrote this

Written by Joshua PevyReviewed by Jordan PearceLast updated 19 Oct 2026How We Rank This PageEditorial StandardsOur Writers

Comparing 7 products

Borrowing $20,000 over 5 years at the lowest advertised shown:

Monthly repayment from: $386/mo
Total repaid: $23,171
Total interest: $3,171

Estimate only, based on the lowest advertised interest rate shown and assuming equal monthly repayments. That loan is priced on a range, so this uses the lowest rate in its range. Actual repayments depend on your rate, fees and loan terms.

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NOW Finance	Advertised rate5.95% to 16.25%	Comparison rate5.95% to 16.25%	Monthly repayment$386/moAt the lowest rate in the range	Compare NOW Finance Secured Personal Loan, Fixed	SecuredFixedPrincipal & interestFeatures: Extra repayments	A secured personal loan offering the most competitive rates with loan amounts from $15,000 to $100,000 over terms of 18 months to 7 years. Secured by bill of sale on eligible assets including…
NOW Finance	Advertised rate5.95% to 18.15%	Comparison rate5.95% to 18.15%	Monthly repayment$386/moAt the lowest rate in the range	Compare NOW Finance Unsecured Personal Loan, Fixed	UnsecuredFixedPrincipal & interestFeatures: Extra repayments	A unsecured personal loan with no fees, competitive rates and loan amounts from $5,000 to $50,000 over terms of 18 months to 7 years. No security required.
Firstmac	Advertised rate8.94% to 15.14%	Comparison rate10.21% to 16.41%	Monthly repayment$415/moAt the lowest rate in the range	Compare Firstmac Secured Asset Variable Loan (Dealer), Variable	SecuredVariablePrincipal & interestFeatures: Extra repayments	Firstmac’s Variable Secured Asset Loan offers a competitive variable rate with flexible repayments to suit your needs. Choose a term from 3 to 7 years, with finance available for new or used cars up…
Firstmac	Advertised rate8.94% to 15.14%	Comparison rate10.21% to 16.41%	Monthly repayment$415/moAt the lowest rate in the range	Compare Firstmac Secured Asset Variable Loan (Private Sale), Variable	SecuredVariablePrincipal & interestFeatures: Extra repayments	Firstmac’s Variable Secured Asset Loan offers a competitive variable rate with flexible repayments to suit your needs. Choose a term from 3 to 7 years, with finance available for new or used cars up…
Firstmac	Advertised rate9.14% to 15.34%	Comparison rate10.41% to 16.61%	Monthly repayment$417/moAt the lowest rate in the range	Compare Firstmac Secured Asset Fixed Loan (Dealer), Fixed	SecuredFixedPrincipal & interestFeatures: Extra repayments	Firstmac’s Fixed Secured Asset Loan offers a competitive fixed rate with set repayments, giving you certainty over the life of your loan. Choose a term from 3 to 7 years, with finance available for…
Firstmac	Advertised rate9.14% to 15.34%	Comparison rate10.41% to 16.61%	Monthly repayment$417/moAt the lowest rate in the range	Compare Firstmac Secured Asset Fixed Loan (Private Sale), Fixed	SecuredFixedPrincipal & interestFeatures: Extra repayments	Firstmac’s Fixed Secured Asset Loan offers a competitive fixed rate with set repayments, giving you certainty over the life of your loan. Choose a term from 3 to 7 years, with finance available for…
Queensland Country Bank	Advertised rate11.94%	Comparison rate12.90%	Monthly repayment$444/mo	Compare Queensland Country Bank Personal Loan-Secured, Variable	SecuredVariablePrincipal & interestFeatures: Extra repayments	Our secured personal loan might be just what you are looking for if you're looking to buy a used car, boat, caravan, motorcycle or any other worthwhile purchase.

Rates and fees are sourced from each provider’s CDR Product Reference Data where the provider publishes it.

Comparison rate warning and base criteria

Base criteria: repayment figures shown in this table are calculated on a loan of $20,000 over 5 years. Repayment estimates use each loan’s advertised interest rate, with the comparison rate shown beside it as a guide to total cost. Where a lender publishes a range of rates, the estimate uses the lowest rate in the range, and the rate you are offered depends on your circumstances. These figures are examples only. They are not a quote, and they may not include all fees and charges.

*Warning: the comparison rate shown is calculated by the lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

About this table: we publish this table so you can research credit products, by bringing together in one place the banking data lenders publish under the Consumer Data Right. Using that data, we have tried to show products that match this table’s title. This table does not compare all products, and there may be products with a lower rate in the market that are not shown here. Do your own research to find a product that suits your needs and financial goals. See how we choose products for tables like this.

Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability.

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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.

This table does not compare every feature that may be relevant to you. Changing the filters will surface further relevant products. See how we sort and rank products and how we make money.

This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.

Financing a caravan

A caravan or camper is a substantial purchase, and how you finance it changes what it costs across the years you'll own it. Caravan finance can be secured against the van for a lower rate, or taken as a general unsecured personal loan. Longer terms are sometimes available given the price tag.

What lenders fund

Lenders vary on what they'll finance: new versus used, on-road tourers versus off-grid and off-road setups, and whether fit-out or accessories are included. Age and condition can affect both approval and the rate, and private-sale purchases usually come with a check that the van isn't already under finance.

How they compare

The comparison rate captures most fees in one figure, and the establishment and ongoing fees, the term and the extra-repayment rules fill in the rest. Finance arranged before shopping sets the real budget before the sales yard does.

CompareThat is a comparison service, not a lender or broker. We show the products and let you decide. We don't include every provider in the market, and each lender's own terms are the final word. Browse the full personal loans range or compare loans side by side.

Expert view

“With a caravan the term does a lot of the work. A longer term makes the repayments look easy, but it costs more interest overall, and the shortest manageable term costs the least.”

Jordan Pearce

Senior finance writer, CompareThat

Glossary

The key terms you’ll meet when comparing these products, reading product disclosures or talking to a provider.

Term	What it means
Comparison rate	A single rate that folds the advertised interest rate together with most standard fees, so loans can be weighed on a like-for-like basis rather than headline rate alone.
Secured loan	A loan backed by an asset (often the car or item you are buying). The security usually means a lower rate, but the lender can repossess the asset if you fall behind.
Unsecured loan	A loan with no asset pledged as security. No specific asset can be repossessed, though the lender can still pursue you for the debt, and rates are generally higher because the lender carries more risk.
Loan term	The length of time you have to repay the loan. A longer term lowers repayments but usually increases total interest paid.
Establishment fee	A one-off fee charged to set up the loan, sometimes called an application or upfront fee.
Ongoing fee	A recurring monthly or annual account-keeping fee charged over the life of the loan.
Extra repayments	Payments above the required minimum that reduce your balance faster and cut the total interest you pay.
PPSR check	A search of the Personal Property Securities Register that confirms a used vehicle, caravan or boat is not still under finance to someone else.

Common questions

Can I secure a loan against the caravan?

Often yes, which typically lowers the rate. Lenders consider the van’s age, type and condition when assessing it as security.

Can I finance a used caravan?

Many lenders fund used vans, though some set a maximum age at the end of the term. Older vans may attract a higher rate or tighter terms.

How long can a caravan loan run?

Terms can be longer than a standard personal loan given the purchase price. A longer term lowers repayments but lifts the total interest you pay.

Does off-road or off-grid affect finance?

It can. Some lenders treat off-road and heavily customised setups differently when valuing the van as security.

Can I include accessories or a fit-out?

Some lenders fund the full package, others only the van itself. The loan terms say what is covered.

The Numbers Behind This Market

What this market is paying or charging on average right now, and the official figures behind it.

Why you can trust CompareThat

We are not a lender, broker or bank. Product data comes straight from each provider’s own Consumer Data Right feed (Australia’s official open banking system) and is refreshed daily, so what you see reflects published rates and fees, not a sales pitch.

Not a credit provider: we do not lend, arrange loans or take applications.
Sourced from each provider’s CDR Product Reference Data, refreshed daily.
Payment can change where a product appears, never which products we show.
General information, not credit advice. CompareThat compares; it does not recommend.

Rates and fees are sourced from each provider’s CDR Product Reference Data as of the date shown. They are general information only. Not credit advice. CompareThat is not a credit provider. Payment can change where a product appears, never which products we show.