Want to purchase a caravan, camper or other RV with finance? Our Secured Caravan Finance could be the ideal solution. This very popular form of financing allows buyers to use their caravan as the collateral for the credit. With the RV guaranteeing the loan, lenders are positioned to offer highly competitive rates.
With Jade Finance handling your financing, you have experts in the RV lending market sourcing not only highly competitive but the most competitive rates in the market, covering 80+ lenders, quickly, easily and effectively.
Our individually sourced secured finance for caravans with low rates and flexible payments can make ownership of a travel and holiday vehicle more accessible and affordable to more buyers. Bringing the cost of a purchase well within the reach of many budgets, and the opportunity to experience the caravanning lifestyle within the reach of more individuals and families.
The format of secured caravan financing is straightforward. The lender accepts the RV as suitable security for the funding being extended. The term of the loan is set at a fixed number of years. The borrower repays the loan in equal monthly payments over the term.
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A Secured Caravan Loan can be used to purchase all types of RVs, new and many good quality, second-hand models, including traditional caravans, off-road caravans, campervans, camper trailers, toy haulers, and many more. If you are planning your first or your next caravan purchase, speak with us about financing the purchase affordably and easily, with our Secured Caravan Loans.
In accepting the caravan as collateral, the lender registers their interest in the goods on the PPSR – Personal Properties Security Register. When all the payments are finalised, this interest is released. Should the borrower fail to meet the repayment schedule and default on a secured caravan loan, the lender has the right to repossess the vehicle and sell it to recoup monies owed.
While the lender has an interest in the van, the ownership of the vehicle is with borrower, and it is their responsibility to cover all the required expenses. This includes the relevant registration.
Due to the vehicle being used as collateral, lenders want the assurance that the asset is protected should it be damaged or stolen. Borrowers are required to take out insurance on their caravan for the full period of the loan term.
With the assurance provided by the collateral, lenders can offer highly competitive rates on financing a caravan with secured loan and approve higher lending limits. The loan amount requested is assessed by lenders in relation to the value of the vehicle and the income to expenses position of the borrower. The outcome of this lender assessment determines if the vehicle is sufficient as the only collateral for the loan; whether a higher deposit is required to reduce the loan amount; and/or if other assets or personal guarantee are also required.
Your Jade Finance broker will be handling the lender negotiations and working to achieve the most workable outcome for you. To simplify secured financing for a caravan even further, we ensure a fixed low interest rate, a fixed flexible term of up to 7 years, and a fixed repayment schedule.
Making financing a caravan with a secured loan a very attractive option for many buyers. To find out the interest rate on secured caravan loans we may achieve for you, contact us by phone or via our online forms.
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
The term ‘caravan’ in lending markets encompasses all types of recreational vehicles. Our secured caravan loans are available for all variants of caravans, camper trailers, toy haulers, fifth wheelers, motorhomes and even campervans.
We provide loans for both Australian-made and imported models, from leading and emerging manufacturers. Makers including Lotus, Avan, Goldstream, Network RV, Signature, Supreme, Jayco and many other big and small names in the industry.
As specialists in this lending sector, we have a deep understanding of the industry and the selling process. We know that makers provide a range of options so buyers can customise their caravan to suit their travel plans and holiday style. Offering accessories, optional packs, and extras to include with their order.
To provide a streamlined way to pay for these extras, your Jade broker can work towards encompassing these extra expenses in the secured loan. Providing one payment per month to cover the entire package. To discuss the loan options for your specific make and model, call Jade.
Using a broker to source a loan for a RV may be a new concept for many buyers. But the benefits of using our services can be extremely significant to the overall cost of the loan, the workability of repayments, the ease of applying and approval, and the confidence achieved with having professionals handling this very important issue for you.
There are many variations with loans for caravans across the market. Rates vary, approval criteria vary, and the specifics of individual loan products can also be different from different lenders.
There are many lenders offering personal loans for caravans and many dealers also offer financing options for their customers. But many of these options do not offer choice and do not provide buyers with the chance to get the best rates on the market. We do.
We offer choice and experts to quickly source the best available rates, from the lender that is a best match with your profile, with the right loan product. We have accreditations with 80+ lenders, providing us with vast choices and the opportunity to match each buyer with the approval criteria in line with their profile and the chance to get the lowest possible secured caravan loan interest rates.
All this is done for you by your Jade broker. Ensuring the best rates are achieved, to deliver the lowest overall cost of the finance and the lowest, most affordable total acquisition cost. Every loan is individually sourced with our personal approach and our focus on the best interests of our customer.
For the lender that is best suited to offer you the best secured caravan finance interest rates, and have your lending requirements handled efficiently and professionally, connect with Jade Finance.
Caravan finance for individuals is consumer credit and regulated by ASIC. Applicants must meet certain requirements and lenders must adhere to guidelines re the information and documentation required. Applicants must be over the age of 18, have employment and regular income, and provide details of their residence, income and expenses, including debts.
Lenders will assess applications to establish the borrowing capacity, which is the maximum loan amount which will be approved. Credit scores are reviewed, with good scores and histories being offered the best rates and terms.
To check if you are eligible to apply for an RV loan, speak with us.
Get the best rates on secured caravan finance and the most suitable terms by engaging us to handle your requirements. Our application process is simple – provide the necessary information to one of our brokers and leave it to us. We provide quick quotes and fast application processing to ensure our customers can proceed with their purchase asap.
If planning to order at a caravan expo, contact us ahead of the date and have your application pre-approved. Your Jade broker can explain how that works and how convenient it can be to expedite delivery of models in high demand.
Before applying, use our Secured Caravan Loan calculator to work out estimates on the different vehicles you are considering.
Applications can be made via our online forms for Australia-wide customers. Alternatively, apply over the phone. Approvals can be completed in 24 hours.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, NEW GOODS, EFFECTIVE 19/09/2024 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.
Approval for no deposit financing is subject to lender assessment of individual borrowing capacity.
Subject to individual lender approval, some applicants can be approved with the RV as the sole source of loan collateral.
Secured loans typically have a fixed interest rate but some lenders have variable rate loans.
While the lender registers an interest in the goods as collateral, the owner has full use of the van and is responsible for all running expenses including registration, repairs and insurance.
Yes. All variants of RVs may be purchased with secured funding facilities.
Buyers can use online loan calculators to obtain repayment estimates on different loan amounts to compare models.
To apply for secured finance, applicants must meet eligibility criteria for consumer credit and provide lenders with documents and details on their employment, income, residential position, assets and debts.
Where a lender considers the quality of a used van is acceptable collateral, it may be financed with a secured loan.
Where a loan is arranged with a fixed interest rate, the repayments will not change over the term.
Where a lender rejects a van as suitable collateral, buyers can apply for an unsecured loan.
