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A personal loan for a caravan
Thinking of getting a caravan loan to purchase your home away from home? Whether it’s a restored 1960s campervan, motorhome, or luxury off-road caravan, an ANZ Personal Loan could help you hit the road faster. We also provide some useful caravanning tips you won’t want to miss.
Make it happen with an ANZ Personal Loan
$250 cashback + $150 Loan Approval Fee Waiverdisclaimer
Whether it’s new wheels, a home reno or a dream holiday, an ANZ Personal Loan can help make it happen.
Eligibility, ANZ’s credit assessment criteria, T&Cs, fees and charges apply.disclaimer Full offer terms at ANZ Personal Loans.
Borrow up to $50,000
Borrow a specific amount between $5,000 and $50,000 (subject to approval).
Greater flexibility
Choose a loan term from 1 to 7 years, with weekly, fortnightly, or monthly repayment options.
Personalised rates
Get a personalised interest rate with an ANZ Fixed Rate Loan or an ANZ Variable Rate Loan based on your credit history.
No assets needed
ANZ Personal Loans are unsecured, which means you don’t have to provide an asset, such as your car, as security.
Same-day cash
Get same-day cash when you apply and are approved in-branch by midday, Monday to Friday.disclaimer Deposited into your existing ANZ everyday account.
No early repayment fees
No penalties for making extra repayments or paying off your loan early with an ANZ Variable Rate Loan. Plus, redraw available if you’re ahead on payments.
Repayment certainty
Know what your repayments will be and protect yourself from interest rate movements for the life of the loan with an ANZ Fixed Rate Loan.
Online convenience
Track your balance and make repayments 24/7 with ANZ Internet Banking or via the ANZ App.disclaimer
Estimate your personalised interest rate
We tailor our interest rates based on our assessment of your credit score. With a better credit score, you could enjoy one of our lower interest rates.disclaimer This tool will also help you estimate your repayments if you finance your caravan using an ANZ Personal Loan.
Calculate how much you could borrow
Get an indication of how much you may be able to borrow based on your income and expenses. Please note this is an estimate only and your full borrowing amount will only be made available in your Letter of Offer.
Choose a personal loan that works for you
If you want your loan repayments to stay the same – even if interest rates change – then an ANZ Fixed Rate Loan could be for you.
If you’re looking for flexibility – such as paying off your loan sooner with no exit fees – then an ANZ Variable Rate Loan could be for you.
Check your eligibility
To be eligible for an ANZ Personal Loan you must:
- be at least 18 years old;
- earn a minimum of $15,000 per annum; and
- be an Australian citizen, permanent resident, or have a valid visa.
Read up on the eligibility criteria and documentation we’ll need for each type of loan.
Factor in ongoing costs
Whether you’re chasing a new or used caravan, campervan or motorhome, there are some extra costs you may wish to budget for before purchasing:
- caravan insurance
- registration
- caravan servicing
- annex or awning
- bike rack and spare battery
- solar panels
- bedding and kitchenware
- tow bars and mirrors
Apply for a personal loan
Here's what you need to apply:
- details of your income, expenses, assets and liabilities
- your driver's licence, ANZ Account Number or Customer Registration Number (if you have them)
If you're new to ANZ, you’ll need any two of your Australian driver's licence, Medicare card, Australian passport, or Australian visa.
How much do caravans typically cost?
Second-hand caravans are generally more affordable, and while prices can vary greatly depending on the manufacturer, here’s an approximate guide for new models.
Up to $60,000
These are generally smaller models with fewer mod-cons. Standard features usually include a kitchen, dinette and sleeping for up to four people. You may get a shower and toilet, but highly unlikely if you’re looking at campers and pop-tops in this price range.
Between $60,000 and $80,000
You should get a more comfortable family-sized caravan with a bathroom for this price. It’ll likely be longer, which means a larger kitchen, dinette and beds. You can potentially expect better finishes throughout. Standard items may include air-con, TV and larger water tanks.
Between $80,000 and $120,000+
Luxurious off-road and on-road models live in this price range. Think top-of-the-line suspension plus a separate toilet and shower. Other features may include full kitchens, a washing machine, air-con, TVs and surround-sound systems, luxury finishes and upholstery.
New caravan
Fewer concerns
You don’t need to worry about how the caravan has been used, or more importantly, misused. You know for a fact that it hasn’t been parked out in the weather for years on end, damaged in an accident or driven over corrugated dirt roads and had the stuffing rattled out of it. These are good things to know.
Make it your own
When you buy new, you get to choose everything from the colour to the layout and fit-out. New models are equipped with the latest materials, suspension, safety features and more. The kitchen, fridge and beds will be new. So too your shower, toilet and washing machine if you go for a deluxe model.
Lengthy warranties
With more than 160 caravan brands available in Australia, manufacturers nowadays have to offer competitive warranties. Make sure you understand what’s included and what’s not. You may also want to do some research on how they approach claims and what their after-care service is like.
High resale value
If you buy a reputable van from a recognised dealership and take good care of it, then your chances of getting a good price at resell increases. We’ve all heard stories of friends buying caravans, travelling around Australia for 6 months, and then reselling it for close to what they paid for it.
Used caravan
Spend less
Buying a used caravan can save you money if you get a good one at the right price. There are a lot of used caravans out there only a few years old that have done very low kilometres and never left the asphalt.
Tried and tested
With a second-hand caravan, any initial problems would have hopefully been picked up during the warranty period. Saying that, you may want to consider getting it fully inspected by a caravan expert, while a Personal Property Securities Register (PPSR) check will establish if there are any outstanding loans on the van, and whether it’s been “re-birthed” or listed as stolen.
Customer reviews
Doing your own research and talking to those in the industry should give you a better idea of which manufacturers and models to look out for and which ones to avoid.
Less commitment
If you’re new to caravanning, buying used makes sense. Families grow quickly and not everyone may share your sense of adventure further down the track. Plus, with a second-hand van, you won’t worry about every pothole you drive over, or every scratch you get backing it in.
Hot tip! Don’t forget to insure your caravan
Always remember to organise your caravan registration and insurance before hitting the road. And where possible, make sure you get a receipt for your deposit, as well as for the full purchase price of the van.
Understand your needs
Are you a retired couple, a family of five or a solo traveller? Will you only use it during Aussie summers and a few weekends a year, or do you intend to circumnavigate Australia? Will you be taking it off-road, or only driving between caravan parks and hardly leaving the bitumen? You need to decide what type of caravaner you are and buy accordingly.
Do your research
Aside from doing some online research and looking at customer reviews, one of the best ways to get the intel you need is to visit caravan yards and shows. With everything in one place, you’ll get a better idea of what you can afford, as well as which models and configurations suit you best.
On-road versus off-road
Caravans are generally broken into three categories: on-road, hybrid and off-road. On-road caravans are designed for sealed roads. Hybrid caravans can handle corrugated gravel roads. Whereas off-road caravans have heavy duty chassis and thick tyres for those leaving the beaten track.
Hard tops, campers and pop-tops
Caravans come in three styles – hard tops, campers and pop-tops. Hard tops come with a solid shell and don’t expand. They’re generally bigger and bulkier but can accommodate toilets and showers. Whereas campers, which extend outwards, and pop-tops, which extend up, are generally shorter, lighter and easier to tow, but do take longer to set up.
Size really does matter
The caravan manufacturing industry still works in feet and inches. Vans generally start at 15ft in length and stretch all the way up to 30ft. Vans with ensuites usually start at 18ft, and if you want bunks, you’re generally looking at 20-foot vans and up. Also, make sure you understand what you can legally tow with your tow vehicle when the van is fully loaded. Getting this wrong can be an unsafe and costly mistake.
Where will you park it?
When not in use, it’s best to park your caravan undercover to protect it from the weather. It may be possible to park it on the street in front of your house, but local councils have jurisdiction over parking, so check first. Insuring your van might be costly if it’s parked on the street. Some security measures might be in order too.
ANZ Fixed Rate Loan
Borrow $5,000 to $50,000 over 1 to 7 years.
Interest rate from |
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Comparison rate from |
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Features
- Certainty your repayments won’t change even if rates increase as you’ve locked in a fixed interest rate
Things to consider
- Early repayment charges may apply if you make early or extra repayments, repay your loan early or increase your loan amountdisclaimer
- No access to extra money paid (redraw)
The interest rate range shows the minimum and maximum rate that may apply. Your interest rate will be confirmed in your Letter of Offer (if approved).
ANZ Variable Rate Loan
Borrow $5,000 to $50,000 over 1 to 7 years.
Interest rate from |
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Comparison rate from |
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Features
- Ability to make early or extra repayments, or repay your loan early, without additional costs
- Flexibility to increase your loan (subject to credit assessment)
- Access to extra money paid (redraw)disclaimer
Things to consider
- Your interest rate and repayments may increase or decrease during the term
The interest rate range shows the minimum and maximum rate that may apply. Your interest rate will be confirmed in your Letter of Offer (if approved).
Loan approval fee
$150
Loan administration charge
$10 per month, debited every three months until the loan is closed in ANZ systems.
Late payment fee
$20 will be charged if your repayment is 5 days late or more. A further $20 will be charged monthly until repayments are up to date.
Early repayment charges (fixed rate loans only)
You may incur an Early Repayment Cost, which may be significant, if you make early or additional payments. See Early Repayment Costs (PDF) and Consumer Lending Terms and Conditions booklet (PDF).
General
ANZ Fixed Rate Personal Loan
Loan Approval Fee |
$150 |
Loan Administration Charge |
$10 per month, debited every three months until the loan is closed in ANZ systems. |
Early repayment charges |
Early Repayment Costs may apply if you make early or additional repayments, see Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF) for further information. |
Late Repayment Fee |
$20 will be charged if your repayment is five days late or more. A further $20 will be charged monthly until repayments are up to date |
ANZ Variable Rate Personal Loan
Applying for a personal loan
Any information provided is general in nature and does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions booklets and the ANZ Financial Services Guide (PDF) before deciding whether to acquire, or continue to hold, a particular product.
All applications for credit are subject to ANZ’s credit assessment criteria. Terms and conditions are available on application. Fees and charges apply. Australian credit licence number 234527.
This offer is available for a limited time to customers who apply for a new or increase their existing ANZ Personal Loan between 16 October 2024 and 31 January 2025. This offer may be withdrawn or changed at any time without notice. The loan must be approved, and the funds drawn down to be eligible for the offer. The cashback payment will be paid within 120 days of drawdown into the transaction account which the loan funds are disbursed into. The transaction account must be in the same name as the loan account. For joint applications, only one cashback payment will be paid in total for the application and will be paid to the first listed applicant. For joint applications, the account for funds disbursements must include the name of the first listed applicant. Applications for a joint ANZ Personal Loan or an increase of a joint ANZ Personal Loan may only be made in branch. If a customer closes their ANZ Personal Loan account or transaction account before the cashback payment is paid, they will become ineligible for the cashback payment. Applications for credit are subject to ANZ’s eligibility and credit assessment criteria. If you have any questions about the tax treatment of the cashback offer, please discuss with a tax agent or the Australian Tax Office.
ReturnApplications must be submitted at an ANZ branch, and approved before noon Monday to Friday (AEST), and customers must have approved funds deposited into an existing ANZ everyday account. For a full list of eligible ANZ everyday accounts, please contact us on 1800 801 485 between 8am to 6pm (AEST) weekdays.
ReturnThe ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
ANZ App for Android is only available on Google Play™. ANZ App for iPhone is only available from the App Store.
ReturnWe tailor your interest rate based on our assessment of your credit score. Where you have demonstrated good credit based behaviour, such as not opening too many credit products or making repayments on time for your other credit products, this will be reflected in your credit score and you may be offered a rate in the lower end of our range. Where your credit history isn’t as long, or as good, or you have made many applications in a short period of time, this may negatively impact your credit score and you may be offered a rate at the higher end of the range.
ReturnInterest rates as at and are subject to change. These interest rates may be withdrawn or changed at any time without notice and may not be available in conjunction with any other offers, packages, or promotions.
ReturnThese comparison rates are based on a $30,000 Personal Loan for a five year term. The rates are applicable for unsecured loans only.
WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.
Fixed rate personal loans aren’t for everyone and early repayment fees and charges, which may be significant, may apply if you make early or additional repayments or repay your loan early. Refer to Early Repayment Charges (PDF) and ANZ Consumer Lending Terms and Conditions booklet (PDF).
ReturnTerms and Conditions and eligibility criteria apply to ANZ Redraw. For further information on ANZ Redraw please refer to the ANZ Consumer Lending Terms and Conditions (PDF).
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