It’s time to getaway
Nothing beats the feeling of exploring our amazing back yard and pulling into your favourite camping spot – whether it’s with friends in the country or a secluded beachside escape. We may be able to help you get there with our asset-backed financing to fund your caravan purchase, so you can focus on planning your trip and not worrying about your finances.
Why finance your caravan with Pepper Money?
A fixed interest rate that won't change for the term of your loan
Tailor your repayments with balloon and deposit options
Quick turnaround - Caravan loan application response within 1-2 business days*
See what your repayments might look like if you apply direct with Pepper Money
Any calculations or estimations are based on the information you have entered, including the interest rate, and do not constitute an offer of credit or a formal credit quote. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data and does not take into account any aspect of the user's individual circumstances. All applications for credit must be verified prior to the formal assessment process. All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd ACN 165 183 317 Australian Credit Licence 458899.
What is the eligibility criteria?
- You're at least 18 years of age and are an Australian citizen, permanent resident, or hold a relevant work visa.
- You’re currently employed and not on probation (full time, part time, casual considered. Casual tenure must be > than 6 months).
- You have no current unpaid credit defaults or prior bankruptcies.
- You hold a current Passport or current Australian Driver Licence.
Our caravan loan application process
1. Apply online
About 10 minutes
Eligible customers can apply online to finance a new, demo or used caravan.
2. Application review
Within 1 business day
One of our lending specialists will touch base to discuss your application, assess your eligibility, and ensure you’ve provided all required documents.
3. Get an answer
Within 1 business day
Once your application is finalised and submitted for assessment, you’ll receive an application decision within 1 business day*.
Ready to take the next step?
Get to know our caravan financing
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How can I apply?
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You can start your application online. Otherwise, call us on 137 377 to find out more.
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Who can apply?
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We finance caravans for individuals, sole traders, and company (private limited, sole trader, partnership) applicants.
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How long can my loan be?
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1 - 7 years.
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How much can I finance?
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You may be able to finance the full purchase of your caravan (from $5,000 up to $150,000) starting with $0 deposit.
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What caravans do you finance?
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You may be able to finance any brand of caravan, campervan or motorhome with us – purchased privately or through a dealership; it can be new, used, or a dealer demo. Eligibility criteria apply, including vehicle age and condition requirements.
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How often will I make repayments?
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Monthly, via direct debit from the borrower's Australian account.
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Can I add a balloon payment to my loan?
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Yes, balloon payments are available for new, demo or less than 1-year old caravans.
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What fees do you charge?
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- Loan establishment fee | $499
- Account keeping fee | $8.90/month
- Security registration and PPSR search fee | $8
- Early termination charge | Up to $750
- Account closing fee | $20
Interest rates, fees, charges, terms and conditions apply only to loan applications submitted via peppermoney.com.au. Different interest rates, fees, charges, terms and conditions apply to loan applications submitted via other channels.
Other fees apply including early repayment, default, and discharge fees. We may also pass onto you any third-party enforcement or recovery costs incurred by us, as permitted by law.
Money management tips and tricks
From budgeting advice to tips to help your savings go that bit further, our resources have it all.
What our customers think about us
I will never go anywhere else
Pepper Money start our family live again. We got our first loan to upgrade cars and then 12 months later we refinanced to buy a camper. They helped change our family lives in 12 months.
Magnificent
Definitely worth the effort, friendly customer service and strived to approve. They helped a lot and were very reasonable with loan amount, didn’t push to give more than I needed, in fact they assessed my situation and were compassionate and fast.
Best of the Best
Such a fantastic, fast, and friendly team to work with. I’ve now used them twice and, to be honest, they’re more efficient and open with you than major banks and fast too. Highly, highly recommend them.
Very happy and very impressed
Excellent communication and simple, clear instructions regarding exactly what was required of us. They were an outstanding support throughout the loan application process
Easy to apply!
I can’t thank the happy staff at Pepper Money enough for making my car loan process so easy and fast! They were super friendly, and the dreaded paperwork wasn’t so bad either.
Exemplary service!
Fast, easy, and great service. I was looking for a small loan for a new family car and compared rates and costs. Pepper Money offered more flexibility and better terms than my bank. The whole process, from application to disbursement of funds, took just two days.
The important legal bits
Information is correct as at 23 September 2026 and subject to change at any time.
Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licenced financial or tax adviser.
All applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees, and charges apply.
Interest rates, fees, charges, terms and conditions apply only to loan applications submitted via peppermoney.com.au. Different interest rates, fees, charges, terms and conditions apply to loan applications submitted via other channels.
* Assessment timeframes vary depending on individual circumstances.
