Caravan loans

Caravan loans from 7.49%* (comparison rate 8.20%^ p.a.)

Your estimated monthly repayment

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

  • No ongoing fees

    Which means lower monthly payments for you.

  • Easy to apply

    Your loan application will usually take 10 minutes – online or over the phone.

  1. Complete the form online

    First, we need to know a little about you.

  2. Get approval

    We’ll work as quickly as possible to provide an answer on your application following submission

  3. Secure funds within 24 hours

    Once approved, we’ll call you to work out the details. When your caravan is ready, in most cases the money will be sent within 24 hours

  • RACV can help you buy your new caravan sooner

    Maybe you want to see more of our beautiful country or dream of taking more regular holidays but need your own caravan?

    That’s where RACV's caravan loans can help.

    We can tailor a caravan loan to your term, amount and deposit needs so you can buy your new caravan sooner. It’s quick and easy to apply and all our loans come with our Satisfaction Guarantee^^.

  • Satisfaction guarantee

    We know you’re getting a great deal on your loan but it’s important you are sure too. That’s why we offer a 21-day Loan Satisfaction Guarantee^^.

    If you take out a consumer loan with RACV Finance and are not completely satisfied, you can repay the borrowed amount within 21 days and we’ll cancel your loan without penalty. We’ll also refund any interest and waive any fees.

  • Dealers and brokers

    While it might look like they’re giving you a lower rate they often charge additional fees. These fees make your monthly repayments higher.

  • Manufacturer 0% and 2% finance

    Low interest rates sound great but there’s usually a catch. The lower the rate, the less you may be able to negotiate on the vehicle purchase price. Always negotiate on price first before advising how you will pay for your car. Remember, if it sounds too good to be true, it probably is.

  • Balloon or residual payments

    These reduce your monthly repayments but you will still owe a lump sum at the end of your loan. You get a nicer caravan but pay more interest on every payment to do so.

  • Adding to your home loan

    While the interest rate on your home loan might be lower, you’re paying it back over a much longer period. This can increase the total interest on your loan.

A Target Market Determination is a document which describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers. It also describes the events or circumstances where we may need to review the Target Market Determination for a loan product. View the Target Market Determination for RACV Secured Personal Loan (197.5KB).

What do I need to apply?

To apply for an RACV Caravan Loan you will need to supply your personal details, including your driver licence number, employment details, assets, liabilities and income. We will verify this information with you later.

How long does approval take?

Approval times can vary, though trust that we aim to provide an answer on your application as quickly as possible. Usually, once you’ve signed the paperwork, you will receive the funds within 24 hours.

How do I make repayments?

By direct debit or BPAY. Loan repayments will automatically be taken from your chosen bank account every month or fortnight.

Do RACV's Years of Membership Benefits apply?

Yes, Years of Membership Benefits apply to all consumer loan applications (subject to approval) made directly through RACV. Any loan application introduced through a broker/intermediary will not be eligible to receive the discount.

Our Years of Membership Benefits discounts

Our Years of Membership Benefits discounts


5-9 years


10-24 years


25-50 years

Gold 50

51+ years
Annual discount available for RACV products. Discount available on applicable rate.





** Years of Membership benefit applies to all consumer loan applications (subject to approval) made directly through RACV. Any loan application introduced through a broker/intermediary will not be able to receive the discount. 

^^ If you are not completely satisfied with your RACV Finance personal loan, you can return the full loan amount and, if the loan is paid out and finalised within 21 days from the date the loan was funded RACV Finance will refund all application fees and any interest charged; waive the early termination fee (ETF); and cancel any Consumer Credit Insurance or Shortfall Insurance policy taken out and refund all premiums to the loan, product coverage will cease. The Satisfaction Guarantee is not available in conjunction with commercial loan products, leases or loans introduced by Brokers/Dealers.

* R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply. 

RACV Loan terms and conditions |  Privacy Charter (includes Credit Reporting Policy)  |  Dispute Resolution

RACV Finance also provides NRMA Car Loans.

RACV Finance also provides NRMA Caravan Loans.