Personal Loans
08/07/2026
Your Van. Your Road. Your Terms
Perth caravan finance on your terms
Caravan loans in Perth, on terms up to 7 years, arranged by brokers who live here.
Nothing beats an adventurous getaway, and we’ve helped many customers make it happen with caravan loans! We have access to a range of caravan finance options, we provide an easy application process and can access competitive caravan finance rates.
4.8 from 300+ reviews
Brokers in Victoria Park since 2009
Loans for caravans up to 7 years
Get your personalised rate
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Take advantage of our excellent caravan finance rates
Leisure loans – which include motorcycles, boats and caravans – can add significantly to your lifestyle, and where the purchase of a caravan is concerned, the benefits are plenty:
Freedom
and flexibility
Freedom and flexibility to travel almost anywhere.
Excellent
resale value
Modern caravans and motorhomes generally have excellent resale value, should your needs change further down the line.
The outdoors
comfortably
A safe, comfortable way to enjoy the great outdoors.
Talk to a Perth broker
Many families miss out on the chance to enjoy these benefits, believing that a caravan on finance is a luxury they can’t afford. That’s why you need to meet our team.Different caravan types
Pick your rig
What you tow changes the budget, the term and which lenders will look at it. Choose the closest match and we will tell you how a lender sees it before you go anywhere near a dealer.
Pop-top caravan
Where nearly every rider starts. Western Australia runs the Learner Approved Motorcycle Scheme, so on a restricted licence the bike has to be on the LAMS list: a power to weight ratio up to 150 kilowatts per tonne and an engine capacity up to 660cc, or an electric motor up to 25kW.
Price band
Commonly $25,000 to $55,000
Weight
Tare weight usually 1,200kg to 1,600kg
Loan term
Terms of 3 to 7 years sit comfortably
How lenders see it
Financed as a secured leisure loan. Lenders assess it exactly as they would a full caravan, so the lighter build does not cost you rate.
Watch for
Canvas sections age faster than the rest of the van. On an older pop-top, expect a lender to care about the year of build more than the condition.
Full-size touring caravan
The most common leisure loan we see. Full ensuite, full kitchen, built to live in for weeks at a time. It is also the type where the tow vehicle question decides the budget.
Price band
Commonly $45,000 to $95,000
Weight
Tare weight usually 1,900kg to 2,800kg
Loan term
Terms of 5 to 7 years are standard
How lenders see it
The strongest security of the four. Well known Australian builds hold value predictably, which is what a secured rate is really pricing.
Watch for
Check your tow vehicle’s braked towing capacity against the van’s ATM before you sign anything. Upgrading the car afterwards is the expensive way around.
Off-road hybrid camper
Built for corrugations and free camping rather than caravan parks. Independent suspension, water and battery capacity, and a body that will still be worth something in five years.
Price band
Commonly $50,000 to $120,000
Weight
Tare weight usually 1,300kg to 2,200kg
Loan term
Terms of 5 to 7 years are standard
How lenders see it
Resale is strong, so lenders are comfortable. Custom one-off builds are the exception and can need a valuation.
Watch for
Accessories fitted after purchase are usually not covered by the original invoice. Roll them into the loan up front or pay for them separately.
Motorhome or campervan
No tow vehicle, no reversing a trailer, and you can pull over and make lunch anywhere. It is a motor vehicle with a house on the back, and it is financed like one.
Price band
Commonly $70,000 to $250,000
Weight
Driven on a car licence up to 4.5 tonne GVM
Loan term
Terms of 5 to 7 years are standard
How lenders see it
Assessed as a motor vehicle rather than a trailer, so the chassis age and the kilometres on it matter as much as the fit-out.
Watch for
Anything above 4.5 tonne GVM needs a light rigid licence. Confirm the compliance plate before you commit.
The regular caravan option features four walls and can have between one and three axles. With decent storage capacity, this is a popular and fuss-free option for many families. If you own a smaller vehicle, a tent trailer could be a better solution, as the overall weight is a lot lower than a full caravan, yet still offers you the fun and practicality of setting up accommodation wherever you wish. Our team can also distinguish between budget-friendly caravans and more exclusive models, from Jayco to Coromal, Windsor, and Supreme.
Caravan loan calculator
What a van costs you a week
Start with what you are looking to borrow, then move the term and the rate until the weekly figure is one you would be comfortable carrying for the length of the loan. Send that to a broker and it becomes a real quote.
Set the price of the caravan you are considering.
10%
($6,200)
0%
40%
We are a broker, so we do not set this. Lenders do, per file. Move it to whatever you want to test and your broker will come back with the rate a lender will actually write.
Indicative weekly repayment
$222
Indicative fortnightly repayment
$445
Indicative monthly repayment
$966
Amount financed
$58,200
Extras added
$2,400
Rate you are testing
10.00% p.a.
Loan term
7 yr
Total interest
$22,960
This calculator provides an indicative estimate only, based on the information you enter and a rate you select for testing purposes. It is not a loan offer, quote, or approval, and does not take into account your full financial situation. Actual rates, fees, and repayments will vary and are subject to lender assessment and approval.
A calculation floor has been applied to keep this estimate realistic.
Buying new, used or privately
Where the van comes from changes the file
It is the same secured leisure loan whichever way you buy. What moves is the paperwork a lender asks for, and how much of the 7 years the van’s age will let you keep.
New, from a dealer
The simplest file of the three, because nobody has to form a view on
what the van is worth.
What the lender wants
A dealer invoice in your name, and generally nothing more.
Term available
The full 7 years, on any van.
WATCH FOR
Finance offered at the dealer as a weekly figure. Ask what rate produces it, what fees sit inside it and whether there is a balloon at the end, because a weekly number compares to nothing on its own.
Used, from a dealer
A small step up from new, and barely that on a late model van that has clearly been looked after.
What the lender wants
The invoice, plus the van’s year of build and its VIN.
Term available
Governed by the van’s age, not by your credit file. This is where the 7 years gets shortened.
WATCH FOR
A van that will be past the lender’s age limit at the end of the term you wanted.
Private sale
The same secured rates apply. Buying privately is not a penalty with the right lender, and it is often where the value is.
What the lender wants
A PPSR search showing no money owing, proof the seller owns the van, and the seller’s bank details.
Term available
The same as a used purchase from a dealer.
WATCH FOR
Paying a deposit before the PPSR search has come back clear.
Lenders judge the van by how old it will be when you finish paying
Most lenders work to how old the van will be when the loan finishes rather than how old it is now, commonly somewhere between 15 and 20 years. A 2012 van on a 7 year term finishes at 21, which rules out some lenders and leaves others untroubled. It is the most common reason a used caravan is declined, and it is knowable before you apply rather than after.
Bad credit, self-employed, casual income
Why a bank knocks back a van a lender would happily write
A caravan is a leisure asset, and a bank’s single credit policy tends to treat leisure as the first thing to say no to. A panel does not work that way: somewhere on it is a lender who writes vans all week and already has room for a file like yours. Every answer below carries a condition, because the honest ones do.
Yes, if
Running your own business, ABN still young
Two full years of tax returns is a bank’s rule, not the panel’s. Several lenders will read a twelve month old ABN off your BAS and your trading account instead, which is a different set of documents rather than a longer list of them.
Yes, if
A default sitting on your credit file
Paid or unpaid, a default does not end a caravan application. It narrows the panel and it moves the deposit, which on a van sized loan is the number worth planning around. Put a higher rate into the estimator above and you will see what it costs a week.
Yes, if
A thin credit file
No history is not bad history. A first-time borrower is read on income stability and savings conduct instead, and a deposit does a great deal of work here.
Yes, if
Rosters, shutdowns and contract work
Half the vans in this state are bought by people who work a swing, and an online lender reading base pay alone will undercount that income badly. A lender used to Western Australian rosters assesses the whole of it, allowances included.
Yes, if
Buying through the business
If the van earns its keep in the business, a chattel mortgage may be the better structure. Speak to your accountant first, then bring us the answer.
Yes, if
You already have a caravan loan
If the rate was set at a dealer counter three years ago it is worth a second look. Refinancing a leisure loan works the same way as refinancing a car loan.
Real Yes Loans customers
Tammy and Jason, eight times over.
Eight-time returning customers, photographed the day they picked up their van. There are lots of happy Australians that have already taken advantage of a caravan loan thanks to our expertise in dealing with loans of this kind, our user-friendly application process, and our outstanding customer service.
Hear From Our Customers: We Offer the Best Finance Deals
Yes Loans
263 Albany Hwy, Victoria Park
-
Cooper was an absolute pleasure to deal with. gave me his full attention, very thorough with his explanations. and was incredibly helpful all together. … More extremely satisfied with his service. -
I couldn’t be happier with the service I received from Stephen Pastorelli.
We submitted our personal loan application at around 8:00am this morning, and … More by 3:00pm the same day it had already been approved. The entire process was incredibly smooth and stress-free.
Stephen was professional, kind, patient and genuinely understanding throughout the whole application. He was extremely knowledgeable, explained everything clearly, and made us feel comfortable and supported from start to finish. Nothing ever felt rushed, and he was always happy to answer our questions.
It’s rare to receive this level of personal service these days. Stephen is an absolute credit to the company, and I would have no hesitation recommending him to anyone looking for assistance with finance.
Thank you, Stephen, for making what can sometimes be a stressful process such a positive experience. Five-star service from beginning to end! -
A huge shout-out to Stephen and the team at Yes Loans for going above and beyond to help make my finance journey a smooth and successful one.
From my … More very first contact with Stephen, the entire process was handled with professionalism, dedication and genuine care. What started as a vision quickly became a reality for me and my family, and I couldn’t be more grateful for the support throughout the process.
I highly recommend Stephen and Yes Loans to anyone looking for finance. Their commitment to finding the right solution and making the process as easy as possible truly stood out to me.
Thank you again, Stephen and Yes Loans, for making it happen.
Perth based, every one of them
Meet the broker who will pick up your file
One of our finance brokers will be in touch to help you through the form and by expanding on any sections that you may have questions about. Every rating below is that broker’s own Google rating, as published on the Yes Loans about page.
Goran Babac
General Manager
5.0 (22)
Trent Cray
Sales Manager
5.0 (17)
Ridge Kidd
Finance Broker
5.0 (22)
Trent Hilliam
Finance Broker
5.0 (17)
Cooper Boyd
Finance Broker
5.0 (4)
Stephen Pastorelli
Finance Broker
5.0 (2)
Aidan Daggett
Finance Broker
5.0 (1)
Vojin Jancic
Finance Broker
5.0
Leo Rifici
Finance Broker
5.0
Paddy Knight
Business Development Manager
5.0 (1)
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Pre-approval, Perth
Walk the show with the finance already done
The Perth Caravan and Camping Show fills Claremont Showground every March, and the dealer run stays open the rest of the year. Arriving at either with a pre-approval already in hand changes what you are negotiating: the price of the van, rather than the finance the dealer would rather sell you alongside it.
What you are actually being given
A lender’s conditional yes on an amount, decided before you have chosen a van. It binds you to nothing, and walking away costs you neither money nor an explanation.
How far it carries you
Between 30 and 90 days with most lenders, which covers a show weekend and the several weeks of thinking that always follow one.
What you pay for it
Nothing, and your credit file is left unmarked. One application covers the whole panel, which is the point: applying to lenders one at a time is what leaves a trail of enquiries behind you.
Your broker is in Victoria Park, so the person reading your file knows the difference between a van that will sit at Coral Bay for a month and one doing Margaret River long weekends. Call (08) 9472 3000 or get your rate online.
How To Apply For Finance - Caravan Ownership
Where To Begin
A good starting point is determining what you are looking to borrow by using our caravan loan calculator. While this will give you an indication of the repayments you could expect, it is merely a guide as interest rates may vary depending on your current financial status and other credit approval factors.
We provide a free online application form where you can start the application. One of our finance brokers will be in touch to help you through the form and by expanding on any sections that you may have questions about. Our finance brokers are based in Perth.
Different Caravan Types
The regular caravan option features four walls and can have between one and three axles. With decent storage capacity, this is a popular and fuss-free option for many families. If you own a smaller vehicle, a tent trailer could be a better solution, as the overall weight is a lot lower than a full caravan, yet still offers you the fun and practicality of setting up accommodation wherever you wish. Our team can also distinguish between budget-friendly caravans and more exclusive models, from Jayco to Coromal, Windsor, and Supreme.
Secured Leisure Loans
This loan type means that the caravan or motorhome you purchase will be held as collateral by the lender as security. This provides protection for the lender should you be unable to make your payments, but the positives could include a lower interest rate compared to an unsecured loan.
Caravan Finance Rates
Our in-depth understanding of motorhome and caravan financing means we can help to get you competitive finance rates. We have access to loans for caravans for up to 7 years.
Easy Application Process
For your convenience, we offer a simple online application process. Some of the information you will need to supply us with includes the amount you want to borrow, your personal details, employment information, income and expenses.
There are lots of happy Australians that have already taken advantage of a caravan loan thanks to our expertise in dealing with loans of this kind, our user-friendly application process, and our outstanding customer service.
Whether you have already chosen a caravan, or whether you have done little research on the topic and require advice from the start, we can help you to make caravan ownership a reality based on satisfying approval criteria with competitive interest rates and flexible payment terms.
Read next
What to consider before applying for finance for your recreational vehicle
In the guide How to Finance a Caravan
- Can I get finance on a caravan?
- What will they finance?
- Must I pay application fees?
- Can you afford it?
Victoria Park, Western Australia
Every loan on this page is arranged by the same eight people in one Perth office.
4.8
from 281 reviews on Google8
brokers, every one of them in Perth2009
trading from Victoria Park since7 years
our longest caravan loan term
Say YES to caravan experiences.
Say YES to freedom and flexibility. Say YES to Yes Loans today.
Get started by using our caravan finance calculator, apply online now or call us on 1800 229 142 to discuss your loan and finance options.
From the Yes Loans blog
Latest insights
Caravan finance questions
How long can a caravan loan run for?
We have access to loans for caravans for up to 7 years. A longer term lowers the repayment but increases what the loan costs you overall, so your broker will show you both before you choose.
What is the difference between a secured and an unsecured leisure loan?
A secured loan means the caravan or motorhome you purchase will be held as collateral by the lender as security. This provides protection for the lender should you be unable to make your payments, but the positives could include a lower interest rate compared to an unsecured loan.
Can I finance a caravan bought from a private seller?
Yes. Private sales are common in the caravan market and often where the better prices are. We verify the seller owns the van outright and that there is no finance owing against it, then the lender pays the seller directly on settlement.
Can I roll an annexe, solar or on-road costs into the loan?
Usually, if they appear on the invoice at the time of purchase. Accessories fitted after settlement are harder to add later, so it is worth deciding on them before the paperwork goes in.
Does getting a quote affect my credit score?
Getting your rate here will not affect your credit score. One application through us reaches the whole panel, so you avoid the multiple enquiries that come from applying to lenders one by one.
Do I need to have chosen a caravan before I apply?
No. Whether you have already chosen a caravan, or whether you have done little research on the topic and require advice from the start, we can help you to make caravan ownership a reality based on satisfying approval criteria with competitive interest rates and flexible payment terms.
What can I finance besides a caravan?
Pop-tops, camper trailers, campervans, motorhomes, fifth wheelers and off-road hybrids are all financed as leisure assets, and so are motorcycles and boats. We also arrange car, personal, home and commercial finance.
How much can I borrow for a caravan?
Indicatively between $15,000 and $150,000 on a secured leisure loan. Our loan calculator is the quickest way to sanity check a figure. What you can borrow inside that range comes down to your income, your existing commitments and the van itself, since the lender is also lending against the security.
Can I get pre-approved before I find a van?
Yes, and it is the better order to do it in. A pre-approval is a lender’s conditional yes on an amount and a rate before you have chosen anything. It costs nothing, commits you to nothing, and most hold for 30 to 90 days depending on the lender.
Can I get a caravan loan with bad credit?
Often, yes. Paid or unpaid defaults, a discharged bankruptcy or a thin file change the rate and sometimes the deposit rather than closing the door. The honest position is that it costs more, and your broker will tell you what it costs before you apply.
How old can the caravan be?
Most lenders set the limit by how old the van will be when the loan ends, not how old it is today, commonly between 15 and 20 years. A 2012 van on a 7 year term finishes at 21 years old, which suits some lenders and not others.
Can I put a balloon or residual payment on a caravan loan?
On a secured loan, usually yes. A balloon lowers the repayment by leaving a lump sum owing at the end of the term, which you then pay out, refinance or cover by selling the van. It costs more in interest overall, so it is worth seeing both versions before you choose.
Can I refinance a caravan loan I already have?
Yes. If the rate was set at a dealer counter a few years ago it is worth a look, particularly if your credit position has improved since. Refinancing a leisure loan works the same way as refinancing a car loan.
Can I buy a caravan through my business?
If the van is genuinely used in the business, a chattel mortgage may suit better than a consumer loan and the tax treatment differs. That is a question for your accountant first, and we will structure the finance around their answer.
Do I need insurance to get the loan?
For a secured loan, yes. The lender holds the van as security, so comprehensive cover has to be in place from settlement. We arrange insurance as well, so it does not have to be a separate errand.
What do I need to qualify?
You will need to be over 18, an Australian citizen or permanent resident, holding a current licence and receiving a regular income you can evidence. Beyond that the lender is assessing your income against your commitments, and the van against its own age and condition policy.
What does a caravan cost to run once I own it?
Budget past the repayment. Registration, comprehensive insurance, an annual service, tyres, storage if it will not fit at home, and site fees on the road all continue after the loan settles. A repayment that is comfortable on its own can stop being comfortable once those land.