Unlock Your Dreams
Why Choose Our Houses on Wheels Loans?
Discover flexible financing options tailored for your mobile home needs. Whether you’re purchasing or converting, our expert team understands the unique regulations and offers support for low down payments and seamless approval processes. Trust Little Home Loans to help you achieve mobility and independence with ease.
Finance for life on wheels — caravan, camper trailer, motorhome and tiny home on wheels
Whether you’re shopping for a caravan, a camper trailer, a motorhome, an RV or a tiny home on wheels, the finance landscape is similar but the products are specialised. Little Home Loans arranges caravan finance, camper trailer finance and motorhome finance across Australia, with a focus on getting you a competitive rate without the bank’s usual paperwork hoops.
What we finance
We arrange caravan loans and finance for new and used caravans, off-road caravans, pop-tops, camper trailers, motorhomes, RVs, fifth wheelers and purpose-built tiny homes on wheels. If it has wheels and you live, holiday or work in it, we can almost certainly fund it.
Caravan loan rates and terms in Australia
Caravan loan interest rates in Australia currently sit between roughly 6.5% and 12% p.a. depending on the asset age, your credit profile, and whether the loan is secured against the caravan itself. Loan terms typically range from 3 to 7 years, with some lenders offering up to 10 years for premium motorhomes. Lower rates apply to new vehicles, fixed addresses, and PAYG income earners.
Use our caravan loan calculator
Want a quick estimate before you commit? Try our caravan loan calculator to model repayments across different terms, deposit sizes and interest rates.
Common caravan finance questions
Can a pensioner get a caravan loan? Yes, provided income is sufficient. Some lenders specialise in finance for retirees and self-funded pensioners.
How much can I borrow on a caravan loan? Most caravan loans in Australia range from $15,000 to $250,000 depending on the asset and your serviceability.
What type of loan is best for buying a caravan? A secured chattel mortgage is usually cheapest. An unsecured personal loan is faster but pricier. We’ll recommend the right structure for your situation.
Further reading
More on financing life on wheels and movable dwellings: