Campervan & RV Finance
Explore the great outdoors with Camper Trailer, Campervan and RV Loans from Alpha390 Finance, providing tailored financing options for your home on wheels.
How it works
Alpha390 Finance, based in Brisbane, specialises in providing comprehensive financial solutions for a range of vehicle purchases. We are known for our access to a vast network of over 30 leading lenders, ensuring that clients receive the most competitive and suitable financing options available. Our approach is tailored to meet the specific needs of each client, whether it's for personal or business use, which makes the finance process as straightforward and hassle-free as possible.
When it comes to Camper Trailer, Campervan and RV Loans, Alpha390 offers a variety of services, including:
- New and Used RV Financing
- Refinancing Options
- Loan Protection Insurance
- Extended Warranty Programs
- Customised Payment Plans
Alpha390 Finance is dedicated to helping you navigate the complexities of RV financing to ensure that you can hit the road in your new camper trailer, campervan or RV with ease and confidence. Whether you’re looking at purchasing your first RV or upgrading to a newer model, our experienced team will guide you through every step of the financing process to find the best solution for your needs.
Plan your next adventure with Camper Trailer, Campervan and RV Loans from Alpha390 Finance. Call 1300 390 390 for personalised financing solutions that suit your nomadic lifestyle.
Campervan, motorhome or camper trailer — which one are you financing?
The three names get used interchangeably, but lenders treat them as different assets. That changes the term, the security taken and sometimes the rate.
- Campervan — a single self-propelled van fitted out for sleeping. Financed as a vehicle. This is the asset this page covers.
- Motorhome — a larger, purpose-built self-propelled unit. Loan sizes, terms and lender appetite differ enough that we have a separate motorhome finance page.
- Camper trailer — towed, not driven, so it is financed as a trailer. See camper trailer finance.
If you are not sure which bucket your vehicle falls into, tell us the make, model and body type and we will place it with the right lender.
Leading Benefits of Camper Trailer, Campervan and RV Loans with Alpha390 Finance
Alpha390 Finance offers tailored financial solutions that make acquiring a campervan or RV straightforward and stress-free. Our specialised services cater to both new and seasoned travellers, ensuring that you can secure your dream RV with ease.
New and Used RV Financing
Alpha390 Finance provides competitive loans for both new and pre-owned RVs. This ensures you have the flexibility to choose a vehicle that suits your budget and lifestyle needs.
Refinancing Options
If you're looking to reduce your monthly payments or adjust the terms of your existing RV loan, Alpha390 offers refinancing options that could offer more favourable terms.
Loan Protection Insurance
To safeguard your investment, Alpha390 offers loan protection insurance, which can cover your loan repayments in case of unforeseen circumstances like illness or job loss.
Extended Warranty Programs
Extend the manufacturer's warranty on your RV with Alpha390's warranty programs, which can help cover the cost of unexpected repairs after the original warranty expires.
Customised Payment Plans
Alpha390 understands that everyone's financial situation is unique. We offer customised payment plans that can be tailored to fit your personal budgeting needs, enhancing affordability.
The Best Choice for Camper Trailer, Campervan and RV Loans: Alpha390 Finance
Choosing Alpha390 Finance for your RV financing needs ensures access to a wide range of specialised services designed to make the purchase process as smooth as possible. Here's why we stand out:
Expertise in RV Financing
With years of experience, Alpha390 has deep insights into the RV market, offering you the best financing deals suited to your specific needs.
Comprehensive Loan Options
Whether it's a brand-new motorhome or a gently used campervan, Alpha390 provides financing options for all types of RVs.
Personalised Financial Advice
Our team offers personalised advice to ensure you understand all your options and make informed financial decisions.
Quick and Efficient Processing
Alpha390's streamlined application process means you can get pre-approval quickly, so you can shop for your RV with confidence.
Flexible Terms
Terms are flexible, ranging from short-term loans to longer periods, depending on your financial goals and needs.
Competitive Interest Rates
We work with a variety of lenders to offer some of the most competitive rates in the market.
Our Camper Trailer, Campervan and RV Loan Solutions
At Alpha390 Finance, we are committed to providing a comprehensive suite of services to prospective RV owners, ensuring every aspect of the financing process is covered.
Tailored Financing Solutions
We tailor financing options to suit both your financial circumstances and the specific features of the RV you wish to purchase.
Vehicle Sourcing Assistance
If you're not sure where to find the right RV, Alpha390 can help source it for you by tapping into our extensive network of dealers and private sellers.
Insurance Solutions
Beyond just financing your RV, Alpha390 can assist in securing the necessary insurance coverage and make sure you're protected from day one.
Roadside Assistance Programs
For added peace of mind, we offer the option to include roadside assistance programs in your financing package.
Documentation and Admin Support
From handling paperwork to dealing with registration and other formalities, Alpha390 ensures a hassle-free process.
Access to Repair Networks
Through our extended warranty programs, you can gain access to trusted repair networks that can help maintain your RV in top condition.
Loan types for a campervan
Secured campervan loan
The van is the security. Rate and term are set by the lender on the van's age, value and your profile; whether a secured structure is offered on a particular van depends on the lender.
Personal loan (unsecured)
Useful for smaller or older second-hand vans that a secured lender will not take as security. No collateral; pricing and terms differ from secured finance and depend on the lender.
Business or novated arrangements
If the campervan is used for work (hire fleet, mobile business), a chattel mortgage or novated lease may be available, with different tax treatment. Speak to your accountant about what applies to you. Our van loans for business guide covers what lenders look for.
What affects your campervan finance rate
Advertised rates are only part of the picture. The things that move your actual rate and cost are:
- The comparison rate, not the headline rate. It folds in known fees. Compare offers on that figure.
- Fees. Establishment, monthly account and early-payout fees vary between lenders.
- Secured or unsecured. Which structure a lender offers, and how it is priced, depends on the lender and the van.
- The van's age, condition and conversion. Lenders apply age and condition criteria, and treat conversions differently — tell us how the van was converted and we will place it with lenders who consider it.
- Term. Loan terms vary by lender and by the van; ask us for the term options available on your van. A longer term lowers the repayment but raises the total interest paid.
- Balloon or residual. Lowers the repayment now; leaves a lump sum to pay, refinance or cover by selling at the end.
- Your credit profile and deposit. Your credit history affects which lenders are available and the rate offered. A deposit or trade-in reduces the amount financed. See campervan loans for bad credit.
Because rates depend on your profile, the van and the lender, the only reliable comparison is quotes obtained on your actual circumstances. That is what our lender comparison does.
A worked example
Say you finance $47,000 (a $55,000 van with an $8,000 deposit). If the loan is at a fixed rate for the full term with no balloon, the repayment is the same each month and you own the van outright at the end. A longer term lowers the repayment but increases total interest; a balloon lowers the repayment further but leaves a lump sum to pay, refinance or cover by selling. Rates and fees are not shown because they depend on the lender's assessment — enter the rate you are quoted in the caravan finance calculator (it works for campervans) to see the figures. Estimate only — not a quote or an offer of finance.
What you'll need to apply
- Photo ID
- Proof of income (payslips, or tax returns/BAS if self-employed) — see campervan loan income requirements
- Details of the van: year, make, model, kilometres, VIN and the seller (dealer or private)
- For a private sale, lenders commonly run ownership and encumbrance checks on the van before settlement; allow time for this
- Business details if applying under an ABN
We will tell you the expected timeframe when you enquire, and pre-approval lets you shop knowing your limit.
Serving Camper Trailer, Campervan and RV Loans Across South East QLD
Alpha390 Finance is prepared to support your campervan and RV loan needs. With service areas including Brisbane, the Gold Coast, Sunshine Coast and adjacent localities, we provide bespoke finance solutions for purchasing or leasing campervans and recreational vehicles.
Explore More with Camper Trailer, Campervan and RV Loans from Alpha390 Finance
Plan your next adventure with tailored camper trailer, campervan and RV loans from Alpha390 Finance. Call us at 1300 390 390 now or visit our Contact Us page to find the perfect financing solution for your roaming home.
This information is general only and does not constitute credit or financial advice. Alpha390 Finance operates under Australian Credit Licence 506065 (Five Tees Pty Ltd). Lending is subject to approval, lending criteria, terms, conditions and fees.
Frequently Asked Questions
Can I finance a campervan or motorhome in Australia?
Yes. Campervans, motorhomes and RVs are financed much like any vehicle — usually through a secured loan with the van itself as security. We compare lenders who understand recreational vehicles, so the rate and term suit a purchase you’ll enjoy for years rather than just commute in.
New or used campervan — what can I borrow against?
Both work. A new motorhome can unlock longer terms and sharper rates; a well-kept used one means a smaller amount financed. Very old or heavily converted vehicles can narrow the lender pool, so we match the make, age and condition to a lender comfortable with it.
How long a loan term can I get on a campervan?
Because campervans hold their value and cost more than a typical car, terms can often run longer than a standard car loan — which helps keep repayments manageable. The exact term depends on the vehicle’s age and the lender, and we’ll build it around how long you plan to keep travelling.
Can I finance a private-sale campervan?
Yes. Buying privately doesn’t rule out finance — we verify the vehicle and the seller, and the lender pays the seller directly on settlement. It’s a common way to buy a campervan, and we’ll guide the checks so it stays smooth and safe.
Does a fit-out or conversion affect my finance?
It can. A professional conversion usually adds value and is fine; a heavily modified or DIY build can make some lenders cautious about resale. Tell us what’s been done and we’ll point you to a lender who’s comfortable with it.
