Finance Options

Absolutely. We offer finance options for both new and used caravans, as well as camper trailers and motorhomes. Used van finance can be a great way to stretch your budget while still getting a quality rig that suits your lifestyle. Our finance partners understand the caravan market, so you’ll get realistic valuations and competitive terms — not the kind of hoops some banks make you jump through. As with all applications, approvals are subject to lending criteria, but our team will walk you through the process and help you prepare the right documentation to give you the best shot at approval. Whether you’re purchasing from our Heatherbrae caravan yard or bringing in a private sale, we can usually help structure a loan that works for your circumstances.

Not always — many lenders offer no-deposit caravan finance, depending on your credit history, employment status, and the value of the van you’re looking to buy. However, providing a deposit can improve your chances of approval and reduce your monthly repayments. A deposit also lowers your total loan amount, which can make your loan more affordable long-term. If you’re unsure what’s best, our finance team can run the numbers with and without a deposit so you can compare. We’re here to make sure the finance works for your budget, not just on paper. Whether you’re in Newcastle, Port Stephens, or elsewhere in NSW, we’ll help you understand your options before you commit.

Yes — we work with lenders who offer low-doc and self-employed caravan finance options. If you’re running a business or working as a sole trader, you may not have traditional payslips, but that doesn’t mean you can’t get approved. Many of our clients are tradies, small business owners, or people with seasonal income. In most cases, all you’ll need is proof of income through recent BAS statements, bank statements, or an accountant’s letter. Some lenders may also consider your asset and liability position. We’ll help you prepare what you need and match you with a lender who understands non-traditional income streams. It’s part of our job to make it easier — not harder — for you to get on the road.

In many cases, you can get pre-approval within 24 to 48 hours, depending on the complexity of your application. If your documents are in order and the lender doesn’t require additional info, final approval can happen quickly. For more complex cases — such as self-employed applicants or buyers financing multiple vehicles — the process might take a little longer, but our team will keep you in the loop the whole way. Because we work with specialist RV finance providers, we’re able to move faster than the banks and tailor the loan process to suit your situation. Whether you’re buying today or just want pre-approval for peace of mind, we’ll help you stay one step ahead.

Yes — many lenders allow you to bundle accessories, upgrades, and even insurance into your loan, provided they’re included in the purchase invoice. That means you can roll your solar panels, annex, off-grid setup, or air conditioning upgrade into your repayment plan instead of paying out of pocket. This is especially helpful for buyers looking to set their van up properly from day one. Just let us know what extras you’re considering, and we’ll make sure they’re factored into the loan structure. It’s all about creating a fully customisable caravan finance package that fits your travel goals, whether you’re hitting the road for a few weekends or setting off around Australia.