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Caravan Loan Calculator

Estimate the repayments on a new Titanium or any amount you'd like to borrow.
Choose a model
$
$
Loan term in years
An example only, not a quote or offer.
5%16%
Balloon payment and fees
None
0%40% of the amount borrowed
$
$

About this estimate. The indicative rate of 6.40% p.a. was last reviewed on 16 October 2026. The estimate leaves out any fees you haven't added, plus stamp duty, registration, insurance, delivery and on-road costs. A balloon lowers your regular repayments, but the full balloon is due at the end of the term and you pay interest on it the whole time. The rate you're offered, your repayments and whether you're approved depend on a lender's assessment of your circumstances.

Year by year breakdown
YearRepaymentsPrincipalInterestBalance owing
$409per week Breakdown

How caravan finance works

A caravan loan is usually a secured loan, where the caravan is the lender's security. You borrow the price less any deposit or trade-in, then repay it weekly, fortnightly or monthly over a set term.

Repayment examples

These examples borrow $120,000 on a $150,000 caravan, repaid weekly.

LoanWeekly repaymentTotal interestLeft to pay at the end
7 years at 6.40%7 yrs, 6.40%$409$28,953Nothing
5 years at 6.40%5 yrs, 6.40%$540$20,295Nothing
7 years at 7.40%7 yrs, 7.40%$423$33,835Nothing
7 years at 6.40%, $20,000 more deposit7 yrs, 6.40%, $50k deposit$341$24,127Nothing
7 years at 6.40%, 30% balloon7 yrs, 6.40%, 30% balloon$331$36,395$36,000

Lenders can also add an establishment fee to the loan and a monthly fee to every repayment.

Balloon payments

A balloon is a lump sum you agree to pay at the end of the loan. It makes each repayment smaller, but you pay interest on the balloon for the whole term and the loan costs more overall. Only choose one if you're confident you'll have the money when it falls due. How big a balloon you can have depends on the lender and the loan term.

Before you apply

  • Compare quotes on their comparison rate, because it includes most fees.
  • Check whether the rate is fixed or variable.
  • Ask which fees apply at the start of the loan and each month.
  • Get a pre-approval to find out what a lender is likely to lend before you order.

Frequently asked questions

What interest rate should I use?

Use the rate from a quote if you have one. The calculator starts at an indicative rate you can change. The rate you're offered depends on the lender, your credit history, the loan term and whether the loan is secured against the caravan.

How long can a caravan loan run?

Caravan loans usually run from 1 to 7 years. A longer term lowers each repayment and adds to the interest you pay over the loan.

Can I borrow without a deposit?

Some lenders will finance the full price, depending on your circumstances. A deposit or trade-in means you borrow less and repay less each week.

Is a secured caravan loan cheaper than a personal loan?

Often. Lenders tend to price secured loans lower because the caravan backs the loan.

Can options go on the loan?

Options you choose when you order are part of the caravan's price. Enter the price with your options included to see the repayment.

Can retirees get caravan finance?

It depends on the lender. Lenders look at whether the repayments are affordable on your income, including super or pension payments.

Does the calculator include fees?

It includes only the fees you add under Balloon payment and fees. A lender's quote lists the rest.

Can I pay the loan off early?

Most lenders allow it, though some charge a fee for paying out early, particularly on fixed rate loans. Check the contract before you sign.

Speak to our team

Tell us what you are after and our team will help you choose.