Can I get camper trailer finance with bad credit?

In many cases, yes. Some lenders on our panel look at your current income and financial stability rather than focusing only on your credit history. You may pay a higher rate or need a deposit, but having past defaults or missed payments does not automatically rule you out. Apply and let us match you with a lender suited to your situation.

Will applying for a camper trailer loan affect my credit score?

Our initial matching process uses a soft check that does not impact your credit score. If you proceed with a lender, they may do a formal credit enquiry which will appear on your credit file. Making your repayments on time can help build a positive credit history over the life of the loan.

What is the difference between a camper trailer loan and a caravan loan?

Camper trailer loans are typically for smaller amounts and shorter terms because camper trailers cost less than full caravans. Camper trailers are lighter, easier to tow and store, and more affordable to register and insure. If you want a lower cost entry into the camping lifestyle with more off-road capability, a camper trailer loan is often the better fit. If you need more living space and comfort for extended touring, a caravan loan may suit better.

Can I include accessories and extras in my camper trailer loan?

In many cases, yes. Some lenders on our panel let you bundle annexes, awnings, solar setups, battery systems, mattresses and other camping accessories into the total loan amount. This gives you one loan with one set of repayments covering everything you need to get camp-ready, rather than paying for extras separately.

Can I finance a used camper trailer or a private sale?

Yes. Our lender panel finances both new and used camper trailers, including private sales, dealer purchases and online marketplace buys. For used campers, lenders may consider the age, condition and type of trailer when setting the rate and term. Running a PPSR check before any used purchase is recommended to confirm the trailer is free of existing finance.

How much can I borrow for a camper trailer loan?

Most lenders on our panel offer camper trailer loans from $5,000 up to $50,000. Entry-level soft floor campers can start from around $5,000 to $10,000 secondhand, while premium off-road hard floor and hybrid models can reach $30,000 to $50,000 new. The amount you are approved for depends on your income, expenses, credit profile and the value of the camper.

How do camper trailer loans work?

A camper trailer loan lets you borrow a set amount to purchase a camper trailer and repay it over an agreed term, usually one to five years. You can choose a secured loan where the trailer acts as security for a lower rate, or an unsecured loan where the camper is not tied to the finance. Repayments can be made weekly, fortnightly or monthly with either a fixed or variable interest rate.

Camper Trailer Loans - Stop Waiting and Start Camping Now

Camper trailer loans for soft floor, hard floor and hybrid setups, get off the grid without a full caravan

A camper trailer is the answer when you want freedom to get off-grid without the bulk, weight and towing requirements of a full caravan. Lighter to tow, easier to store, often more capable on tracks the average van can’t handle. Whether it’s a basic soft floor for weekend getaways, a hard floor for longer family trips, or a serious off-road hybrid built for the Cape, a camper trailer loan lets you get set up now without blowing the savings. Our brokers compare camper trailer loans across our panel and arrange a deal sized to your camper. Borrow from $5,000 for a solid used setup up to $50,000 for a brand new off-road hybrid.
Most camper trailer loans are written secured against the trailer, which keeps the rate competitive. Over a five year term, a sharper rate saves real money. Unsecured options are available for smaller loans or when you’d rather not tie the camper to the finance, but rates are higher. Our service is free for you. If you want something bigger with more comforts, see caravan loans, and if the tow vehicle also needs sorting, see personal car loans.

Borrow $5,000 to $50,000

Used soft floors from $5,000, mid-range hard floors around $20,000 to $35,000, top-end off-road hybrids up to $50,000. Sized to the camper and your borrowing position.

Soft floor, hard floor, hybrid, forward fold

Whatever style of camper suits your travel, lenders on our panel will fund it. New or used, dealer or private sale, online marketplace purchases also considered.

Lighter than a full caravan

Camper trailers tow easier behind smaller vehicles, are simpler to manoeuvre into tight campsites, and often handle off-road tracks that would damage a full van.

Secured for the better rate

Using the camper as security keeps the rate competitive. Over a five year term, that lower rate adds up to meaningful interest savings.

Fixed rate, flexible repayments

Fixed rate so the repayment doesn't move for the life of the loan. Choose weekly, fortnightly or monthly to line up with your pay cycle.

No fees from us

Free for you to apply through our broker panel. We're paid by the lender when your loan settles.

Camper Trailer Loans from $5,000 to $50,000 - Finance Your Setup and Get Out There

Camper trailer loans for soft floor, hard floor and hybrid setups, get off the grid without a full caravan

Borrow $5,000 to $50,000

Soft floor, hard floor, hybrid, forward fold

Lighter than a full caravan

Secured for the better rate

Fixed rate, flexible repayments

No fees from us

Ready to get camping?

Get Approved in 3 Simple Steps

1. Apply online

2. We source a lender

3. You get approved!

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