Caravan Loans

Take the trip of a lifetime

Personal Caravan Loans can be secured or unsecured and typically can be paid back in fixed monthly or fortnightly payments. 

Many lenders look favourably on caravan loans as caravans do not depreciate as quickly as motor vehicles. 

Nearly all lenders and banks will not lend if the purpose of the caravan is to live in it. If you wish to live in your caravan full-time you may need to enquire about an unsecured loan.

With a personal loan, people can use the money for whatever reason and is especially useful in purchasing that caravan or camper you’ve been eyeing. Furthermore, the rates on personal loans are often cheaper compared to that of a credit card.

We promise you:


Repayment terms that can be flexible to your needs


Experienced Brokers that put you first


Quick and easy personal loan application process with no strings attached



What Else Should I Know About Caravan Finance Loan?

  • Personal caravan loans offer flexible contract terms that range from 12 to 84 months (1 to 7 years)
  • You get fixed interest rates which also means that you are always made aware of your repayments
  • A personal caravan loan is an ideal option if the vehicle you wish to buy does not meet the criteria for a secured loan, such as being an older vehicle

Free Services

Ask your broker about all the free services we offer such as a free car finder.

Loan Calculator

Our Loan Calculator can provide estimations on your repayments.

Specialist Team

We have a dedicated team of specialists for your assistance.

We’ve built a secure and personalized experience

Apply Now

See how we’ve made the process of applying for a loan online easier. Apply today!

With affordable payment terms and our streamlined application, getting a loan with Loans 123 is as easy as one two three.

Call us on 1800 100 100 or Apply online to start determining your financing options and discussing your loan.

Frequently Asked Questions About Personal Loans

How much money can I get a loan for?

We assess and find out what we think is the best-sized loan for you based on multiple factors. Our brokers do this based on income, expenses, repayment ability, and your reason for getting a loan. $30,000 is the maximum amount for an unsecured personal loan.  $4,000 is the minimum for a secured loan and there is no maximum amount.

How much my repayments will be?

Using Loans 123’s Loan Calculator you can determine how much your repayment will be based on the options you choose and the loan’s approval. Please note that the Loan Calculator is a guide only.

Can my personal loan be repaid ahead of time?

Of course. Most of the time, making additional payments or lump sum deposits into your loan results in no extra charges. Although, we recommend you to first always read your credit contract, as lenders conditions apply to early repayment terms.


Is it essential that I provide a guarantor or security?

No, it depends on your personal details. If you default on a loan and you provided a guarantor, they will be asked to pay it back for you. We advise for guarantor loans that the guarantor obtains legal advice independently to ensure they know their obligations and rights.



Example of a typical consumer’s unsecured fixed rate loan:

$20,000 (includes a $250.00 establishment fee and a $990.00 origination fee) loan at an interest rate of 10.99% p.a. (12.21% p.a. comparison rate*) over 5 years.

Repayments are $438.00 per month over 60 months ($101.07 per week), this includes $13.00 per month loan administration fee.

Total repayment over 5 years: 60 x $438 = $26,280.

This interest rate is for indicative purposes only and may vary depending on the assessment of the lender.

The comparison rate of 12.21% p.a. is based on an unsecured consumer fixed rate loan of $30,000 over a term of 5 years. WARNING: 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.

The National Consumer Credit Protection Act 2009 (NCCPA) requires that all lenders that publish interest rates for a product also publish the comparison rate. The comparison rate aims to inform the consumer of the true cost of a loan and is designed to make it easier to compare the different credit products available in the market. A comparison rate does not include all fees and costs, eg Government fees and charges and will not include other factors that may make the loan more attractive, eg flexible loan arrangements.

Payday or Short Term Loans

“Payday” loans are not offered by Loans 123 and neither are short term personal loans.

We don’t offer this type of loan because it is highly likely to reduce the chance of you getting approval for any future lending due to it damaging your credit file.

Loans 123 charge a fee?

If a loan is approved then yes. We can charge from $90,00 to an absolute maximum of $1250.00 plus GST. We include this in your loan amount as well as it is disclosed in our Quote and Credit Guide which is provided to you.

Call us today on 1800 100 100 or apply online and discuss your finance options and loan.

Getting a loan is as easy as one, two, three with Loans 123!

Loans 123’s Perth Financing

We have large range of car loans available to us so we have the luxury of making sure you get the loan that suits your situation, how much you want to borrow, or what type of vehicle you want. Start crafting your loan online today, no appointments needed.


We use competitive interest rates for your user or new car loan to make your loans better.


All applications are subject to credit approval criteria. Fees, charges, terms and conditions apply.