Caravan Loans NZ | Hit the Road with Loan Spot

Caravan Loan Calculator

$15,000 $3,000$100,000

48 months 1 month60 months

10.95% rate 7.95%rate 29.95%

$93

Weekly Repayments

$404

Monthly Repayments

$19,392

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totalling $640 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender. For more about lender fees, click here.

Caravan Loans for the Journey

Whether you’re gearing up for a cross-country adventure or planning a weekend getaway in your caravan, our loans help turn your dream into reality. Borrow from $3,000 with terms that suit your budget and timeline.

Here’s how we help:

Loan Options: Tailored to your caravan needs.
Straightforward Payments: Repayment plans designed for your budget.
Clear Guidance: Support at every step.

Clear Costs

We break down every fee upfront so you always know what you’re paying.

Fixed Rates You Can Count On

Lock in a fixed rate for your caravan, giving you a clear picture of your repayments.

Credit-Safe Application

Apply without impacting your credit score, protecting your borrowing power.

Efficient Processing

We handle the details quickly so you can get on the road without delay.

Over 55,000 Kiwis Trust Us with Their Caravan Finance

1 Apply Online in Minutes

Complete our quick 3-minute form to explore caravan loan options tailored for your travel lifestyle.

2 We Find Your Ideal Match

We match you with offers that fit both your budget and your caravan adventure goals.

3 Fast Approval

Timeframes vary but with complete information, approval can be same-day. Approval is subject to meeting lending criteria, and affordability test applies.

Apply Now

What our customers say

Understanding Caravan Loans

What is a Caravan Loan?

A caravan loan lets you finance your mobile home by breaking the cost into manageable monthly payments—so you can start your adventures without a hefty upfront expense.

What Can a Caravan Loan Be Used For?

Whether you’re buying a brand-new caravan, upgrading your current one, or covering essential repairs, a caravan loan offers the flexibility to suit your needs.

How Do I Structure a Caravan Loan?

Structuring your caravan loan is all about tailoring it to your lifestyle. Do you prefer lower monthly payments over a longer term, or do you want the option to pay off sooner? Are you planning on making a deposit? And remember to factor in fees, insurance, and maintenance to keep your finances on track and stress-free.

Quick Spot Check

Want to make confident money moves? Dive into our FAQs or connect with our team to stay informed.

Check FAQ’s

What types of caravan loans can I get?

Caravan loans are typically secured by your caravan; your rate is set individually based on your circumstances, for new purchases or upgrades.

How does a caravan loan work?

A caravan loan provides the funds to buy your caravan, which you repay in regular, fixed instalments. Since your caravan is used as collateral, maintaining your repayment schedule is key.

How much can I borrow with a caravan loan?

Your borrowing limit depends on your income, expenses, and overall financial health. Caravan loans generally range from $3,000 to $100,000, depending on your unique circumstances.

What interest rates should I expect on caravan loans?

Interest rates are determined by factors such as your credit history, income, and the value of your caravan. A strong credit record can help secure a lower rate.

Current fixed interest rates range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender.

Are there fees associated with caravan loans?

Yes, charges like an Establishment Fee and Introducer Fee apply, and often ongoing account fees. It’s important to review these costs upfront so you understand all the expenses involved.

Is a no-deposit option available for caravan loans?

Yes—no-deposit caravan loans are offered, subject to lender criteria, allowing you to finance the full cost of your caravan.

How fast can I get a caravan loan approved?

Timeframes vary but with complete information, approval can be same-day. Approval is subject to meeting lending criteria, and affordability test applies.

Can I refinance my caravan loan?

Yes—refinancing is possible (subject to lending criteria). It may help you reduce repayments, secure a sharper rate, or change the term, depending on your profile, loan balance, vehicle security and fees. Extending the term can increase total interest. Fees and charges apply. Responsible-lending (affordability) checks required.

Will applying for a caravan loan affect my credit score?

The initial application involves a soft credit check that won’t impact your score. A full credit check is only carried out when you choose to proceed with the loan.

What happens if I miss a repayment?

Missing a payment may lead to additional fees and could negatively affect your credit score. It’s advisable to contact your lender as soon as possible if you have any issues.

How can I estimate my caravan loan repayments?

You can use our online loan calculator to work out your monthly payments based on the loan amount, term, and interest rate, helping you budget effectively. Remember: these calculators only provide indicative figures. Your actual interest rate, fees and repayments will be determined after your application is assessed.