About Unsecured Caravan Finance

Why Choose Stratton For Caravan Finance?

Award-Winning Brokers

Best Car Loans by ProductReview 2021–2024 and Best Large-Size Brokerage by WeMoney 2023 & 2024!

We Have Unmatched Experience

With over 25 years of experience helping more than 150,000 people access $8 billion in finance, we have the knowledge you need.

Real People Delivering Exceptional Service

With a 4.8 out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.

Caravan Finance Options

We can assist with finance for a variety of outdoor leisure assets

Don’t take our word for it!

Our reputation precedes us. See why our customers rate us so highly!


product-review
4.8

4.8

From 2,400+ reviews


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4.8

4.8

From 400+ reviews

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Award-Winning Leaders in Asset Finance

Our success is driven by a strong commitment to exceptional service and customer satisfaction.

Our Lenders

We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:

peppermoney
westpac
anz
boq
latitude-financial-services
metro
plenti
ammf
firstmac
now-finance
financeone
angle-finance
wisr-finance
resimac
moneyplace

Our Process: Simple and Transparent Caravan Finance

From start to finish, we’re with you every step of the way, helping you get the keys in your hands!

How it all works

Understanding Your Needs

We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best caravan finance options from our panel of over 40 lenders.

Apply for the Right Deal

Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.

Get the Keys in Your Hands

If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to pick up your new caravan and adventure away with confidence.

Providing Ongoing Support

Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.

Questions? Book a call!

Choose a time convenient to you and we’ll call you! Just fill in your details below and we’ll do the rest!

Date

Time

*We endeavour to call you back within the hour during business hours, otherwise after hours  or weekends will be next business day

Frequently Asked Questions About Caravan Finance

Unsecured finance, often referred to as a personal loan, offers funds without the need for collateral. It typically comes with flexible terms, ranging from 1 - 7 years, making it a suitable option if the asset or your financial situation doesn’t meet the criteria for secured financing.

 

In contrast, secured finance involves the lender having security against the borrowed amount, using the caravan, motorhome, or camper trailer as collateral. This often results in better terms, such as lower interest rates and longer repayment periods.

A pre-approval is an initial evaluation performed by a lender to assess your eligibility for a loan and determine the amount you may qualify to borrow. This process usually requires you to submit an application, provide documentation such as income verification and credit history, and undergo a credit check.

 

Obtaining a pre-approval gives you a clearer picture of your budget while searching for a caravan, as it indicates the maximum amount the lender is willing to extend under specific conditions. However, it’s important to remember that a pre-approval does not constitute a final commitment for a caravan loan; rather indicates that a lender is willing to lend you a certain amount based on your financial situation, but it is not a guarantee of the final loan approval. The final commitment will depend on further verification and approval processes. 

The amount of caravan finance you may qualify for is influenced by several factors, including your:

 

- Income

- Credit history

- Existing debts

- The vehicle's appraised value. 

 

Lenders evaluate your repayment capacity by analysing your financial profile and applying lending limits based on a percentage of the caravan's worth.

 

For a clearer understanding of your borrowing potential, please use our . To explore a variety of rates and repayment options, we invite you to visit our online quote tool. Alternatively, you may wish to consult with one of our Australian-based brokers today by requesting a callback or by calling 1300 787 288.

 

With a multitude of lenders to choose from, it can be tricky to navigate and find the best option that works for you. That’s why we aim to match you with an expert finance broker who will take the time to understand what you’d like to buy, as well as your personal details, work history, income, and expenses, to create a tailored preliminary assessment for your caravan finance. They will then present options tailored to your budget and financial goals

Residual values and balloon payments refer to lump sums due at the end of a caravan finance agreement. A residual value, commonly used in leases, indicates the estimated market value of the caravan at the lease's conclusion. In contrast, a balloon payment applies to caravan loans, enabling borrowers to lower their monthly repayments by deferring part of the loan balance to the end of the term. While both options reduce regular payment amounts, they require a larger sum at maturity, which can be paid off, refinanced, or managed through a trade-in of the vehicle.