Camper trailers and motorhomes

Camper trailers and pop-tops

Camper trailers cost less than most caravans, and some buyers use a personal loan rather than a secured loan. Others choose a secured loan with the camper as security. Each option has different rates, fees and rules, so compare the full cost.

• Check the trailer's weights against your tow vehicle.
• Ask whether the lender requires comprehensive insurance.
• Think about storage, since a camper needs somewhere dry to live between trips.

Motorhomes

A motorhome is both a vehicle and a home, so lenders may look closely at its age, value and condition. Check your licence class covers the vehicle's weight. State and territory road authorities set the rules, so confirm with yours.

• Ask about services and roadworthy checks on used models.
• Check how the lender treats older vehicles.
• Compare running costs such as fuel, tyres and insurance with towing a van.

Buying privately

When buying from a private seller, a PPSR search can show whether finance is owing on the vehicle. The ACCC also publishes guidance on consumer rights when buying vehicles.

Weighing it up

Read our blog for planning ideas, or start an enquiry when you are ready. It is free, with no obligation, and any finance is subject to lender criteria and approval.