Keen buyers don’t have time to waste when they find the second-hand RV that suits their travel plans. The used caravan market can be very strong, with buyers appreciating the value of buying a quality second-hand vehicle over brand new. Whether a dealer, private seller or online purchase, the buyer that has their funding ready, can be the one who tows away the best value buys.
With our quick service and fast approvals on used caravan finance, we support buyers in the quest to purchase second-hand RV swiftly and easily. Minimising the time to find the right credit product, the most competitive rates, and workable terms with our specialist caravan financing services.
As specialists in the leisure vehicle lending market, we have the resources with 80+ lenders, the expertise with over 25 years of experience, and the enthusiasm to ensure our customers secure their RV of choice with the best loan, quickly. Cutting delays and expediting purchases. For a quick quote on financing used caravans, connect with us by phone or online.
Second-hand RVs can present great value and provide access to the caravan lifestyle for buyers that consider new caravan prices beyond their budget.
Request a Quote
Caravans are built for long-term usage, but many enthusiasts still like to upgrade regularly, stocking the second-hand market with their trade-ins. Many enthusiasts are also buying old caravans to renovate and use for travel, as a backyard leisure space or garden office.
The financing process and products differ for new and used RVs. The vehicle itself is central to many aspects of used caravan loans. Most importantly, to the suitability of the vehicle as collateral for secured financing.
Most new RVs easily meet lender criteria for security. But second-hand models require an assessment of age and condition for acceptability as collateral. The outcome of the assessment determines if secured finance or an unsecured loan is the appropriate credit product.
The value of the vehicle in relation to the amount request for the loan is also assessed when lenders consider approval of loan amounts. Loan terms and conditions can also vary on used examples compared with new caravan financing.
We provide both Secured Caravan Finance and Unsecured Caravan Loans to assist buyers of all types of vehicles. These funding facilities can be used to finance all variations in RVs – traditional caravans, camper trailers, off-road models, toy haulers, fifth wheelers, motorhomes, 4x4s, campervans, and expedition models.
Buyers can apply for the used RV finance ahead of committing to a purchase, to be confident they are approved for the amount required, and to select vehicles with a price tag in line with their pre-approved financing. To discuss the most suitable credit facility for the vehicle you are interested in buying, speak with one of our brokers.
Our guides offer quick comparisons and simple explainers to help you cruise through the financing process with confidence.
Many late model second-hand RVs in good condition are accepted as suitable collateral by our lenders. Allowing buyers to finance the purchase with a Secured Caravan Loan. This type of credit facility is widely used for new and many used RVs, has a straightforward format and attracts our best, highly competitive interest rates.
We arrange secure financing for used caravans with a fixed interest rates and over a fixed term of up to 7 years. Delivering buyers with a fixed monthly repayment schedule which remains unchanged over the full term. As the vehicle is the lender’s guarantee for the funding, buyers are required to take out comprehensive insurance on the vehicle.
Where a second-hand RV does not meet lender criteria for acceptable security, we arrange an Unsecured Used Caravan Loan for buyers. Without collateral, this type of loan has higher interest rates than secured credit. We source the lowest possible rates to suit the buyer’s profile, from across our 80+ lender base.
Buyers may choose to provide acceptable collateral with other assets they own. Where no collateral is provided, lenders will be looking for high credit scores and creditworthiness for approval.
Interest rates on unsecured credit may be fixed or variable, depending on the lending product we source. Terms and repayment schedules are fixed. Loan amounts are subject to the borrowing capacity as assessed by lenders.
To check which is the most suitable loan product for your RV purchase, speak with one of our brokers.
Maximise the value of a great priced pre-owned RV by using our specialist services to source your used caravan loan. Lender criteria, rates, conditions, and terms vary across the market for this type of financing. With our accreditation with more than 80 lenders, we quickly select the lender that best suits each customer’s profile and requirements.
The right lender means the best used caravan loan rates. Our brokers source the lowest available interest rates to minimise repayments, interest payable, and the total cost of the RV. Adding genuine value to the purchase while simplifying, personalising and expediting the financing process.
Every pre-owned RV loan is personally sourced by our brokers to specifically meet the individual objectives of the buyer. Terms are negotiated to deliver repayment schedules that meet budgets. The entire process is handled by professionals to ensure speed, efficiency, and the best outcome.
An important service we provide for buyers is checking the PPSR to ensure the used caravan is unencumbered. When customers are purchasing vehicles online, especially from private sellers, we guide and advised on the safety and due diligence steps and checks.
To add value to your caravan purchase, contact us to arrange your financing.
If you’ve found the pre-owned RV that you want, you will be looking to move fast to confirm your finance and be the buyer to tow away the goods. Using our services can expedite the financing, increase your prospects of a better loan deal, and provide a smooth, efficient, hassle-free loan process.
We assist buyers with checking their eligibility for consumer credit and matching each to the most suitable lender. A range of financial and personal information is required under ASIC regulations to apply.
Credit ratings and profiles are checked and are key determinants to the best rates. The vehicle is assessed for suitability as collateral to determine the choice of loan type – secured or unsecured. Income levels determine the borrowing capacity – the loan amount to be approved.
Our brokers assist customers with the details of applying for used caravan finance and handle the entire loan sourcing and processing of applications. Services include checking PPSR to ensure the vehicle is not under finance and vehicle details are correct. An important step for those purchasing from online private sellers.
Many buyers can receive approval in 24 hours. When our offer is accepted, we’ll assist with settlement to finalise the purchase swiftly.
To apply for a used caravan loan, submit your application using our online facilities, or over the phone.
When browsing the second-hand market for the perfect RV, buyers can take advantage of our Caravan Finance Calculator.
While browsing, use the calculator to generate quick estimates on loans for each vehicle.
The results are estimates but can provide a useful guide for buyers requiring financing for used RVs.
| Lender | Loan Product | Advertised Rate | Comparison Rate | Monthly Repayment |
| {{Lender}} | {{Loan Product}} | {{From - Advertised Rate}}{{Rate Type}} | {{From - Comparison Rate}}Comparison | ${{Payment Amount}} MONTHLY |
|
{{Lender}}
{{Loan Product}}
|
||
| {{From - Advertised Rate}}{{Rate Type}} | {{From - Comparison Rate}}Comparison | ${{Payment Amount}} MONTHLY |
THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, NEW GOODS, EFFECTIVE 15/11/2024 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.
Used vehicles are assessed by lenders for suitability as loan collateral. Where not accepted, an unsecured loan may be considered.
Buyers of second-hand RVs may use a secured or unsecured finance product for their purchase. The decision can depend on the suitability of the vehicle as collateral.
The PPSR is the Personal Property Securities Register. Lenders register their interest in goods they have financed with the PPSR. Buyers of used goods can check the register to ensure there is not money owed on the goods they are buying.
Interest rates on all loans are offered based on an individual assessment of each application and dependent on the type of loan.
Old RVs may be financed subject to lender approval. Where the van is not considered suitable for secured financing, buyers may apply for an Unsecured Personal Loan.
Applications for finance may be conditionally approved prior to details of the goods to be financed and the loan amount required being known. When the details are known, any offer is amended to specifically suit the goods.
Borrowing capacity is assessed by lenders based on creditworthiness and income levels. Loan amounts depend on borrowing capacity and the value of the RV relative to the loan amount.
Subject to individual lender approval, all makes and models of RVs may be financed.
With secured loans, lenders have the collateral as an assurance of recovering monies loaned. Unsecured loans do not have collateral. With the assurance provided by the collateral, lenders offer more competitive rates on secured loans.
Repayments on pre-owned RV finance will depend on the loan amount, interest rate and term. Buyers can use an online finance calculator to generate estimates of repayments.
