Friends consider getting caravan loan
Friends consider getting caravan loan

Time for a new caravan?

Get the keys and hit the road with our competitive caravan financing options.

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’ll 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.

With a fixed rate of 9.24% p.a. (10.57% p.a. comparison rate^) – it’s just another way you can start planning your camping getaway sooner. Simply apply online with Pepper Money today.

Why finance your caravan with Pepper Money?

A fixed interest rate that won't change during your loan

Tailor your repayments with balloon and deposit options

Quick turnaround - we'll give you a decision by the next business day!

Caravans financed by Pepper Money

See what your repayments might look like if you apply direct with Pepper Money

^ Comparison Rates are calculated based on a secured loan of $30,000 and a term of 5 years. WARNING This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications are subject to credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd CAN 165 183 317 Australian Credit Licence 458899.

What is the eligibility criteria?

  • You are an Australian citizen, permanent resident or hold a relevant work visa.
  • You are currently employed and not on probation (full time/part time/casual > than 6 months).
  • You have no current unpaid credit defaults or prior bankruptcies.
  • You hold a current Passport or current Australian Drivers Licence.    
  • Apply online direct with Pepper Money or call us on 1300 131 572.

Ready to take the next step?

In less than five minutes, apply for finance online and submit everything needed for us to assess your application.

Get to know our caravan financing

How can I apply?
You can start your application online. Otherwise, call us on 1300 131 572 to find out more.
Who can apply?
We finance caravans for private, sole trader, and company applicants. Balloon options are available.
How long can my loan be?
1 - 7 years.
How much can I finance?
You can finance the full purchase of your caravan (up to $110,000) starting with $0 deposit. 
What caravans do you finance?
You can 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.
How often will I make repayments?
Monthly, via direct debit from the borrower's Australian account.
Can I add a balloon payment to my loan?

Balloon payments are available for new, demo or less than 1 year old caravans.

1-3 year loan term: 50% balloon

4 year loan term: 45% balloon

5 year loan term: 40% balloon

6+ year loan term: 0% balloon

What fees do you charge?
  • Loan establishment fee | $474
  • Account administration fee | $8.90/month
  • Security registration fee | $6

Interest rates, fees, charges, terms and conditions apply only for online loan applications. 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.

Our Product Reviews

What our customers think about us


from 1,264 reviews

Reliable car financing

I recently used Pepper Money to finance my new vehicle, and I couldn't be happier with the experience. Their team was incredibly helpful and guided me through the entire process. The application was straightforward, and I received approval quickly. The interest rate was competitive, and they worked with me to find a repayment plan that fits my budget. Overall, I highly recommend Pepper for anyone looking for hassle-free and reliable car financing.

Great customer service

Every dealing with Pepper Money has been easy and straightforward. They have great customer service and I always get through to speak to someone when needed. I have had two car loans with them and couldn't recommend them more highly.

Low interest rates

I used Pepper Money to finance the purchase of a new electric car and the process was great. They had a good deal of knowledge in the EV space, unlike some other financial institutions that didn't even know what an electric car was! Their low interest rates and good customer service were also appreciated.

Flexible payment plan

I have a car loan with Pepper Money. When I missed a couple of payments, they were absolutely fantastic. They explained my options and were very helpful in organising a payment plan to get me back up to date. I’d definitely recommend Pepper to anyone looking for a loan based on their customer service. I’m very pleased.

Flexible and realistic policies

A great lender to have around as an option, they offer flexible and realistic policies for everyday people. As a broker, I’ve used Pepper Money for many customers to get into the market, and they've all been very happy as their service is good. I have my own vehicle finance with them too, because they had a flexible and open mind to looking at a different income structure. It's not just if you have bad credit, they have great options regardless and they use a commonsense approach to lending.

Efficient lender

Pepper Money were very efficient in helping me get the vehicle I wanted. They helped me with the whole process to get the loan I needed.

T Smith

The important legal bits

Information and interest rates are valid as at 20 February 2024 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.

*Interest rates, fees, charges, terms and conditions apply only for online loan applications. Different interest rates, fees, charges, terms and conditions apply to loan applications submitted via other channels. 

^ Comparison rate is calculated on a secured loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.

Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.