5* Year Vehicle Loans

*applicable to cars, caravans, motorhomes and motorbikes only, under 10 years old and above $20,000

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Caravan & Motorhome & Camper Trailer Finance Options

Need a caravan, motorhome, or camper trailer finance from a dealer or private sale? We’ve got you covered! Credit One specializes in all types of vehicle finance!

Credit One can help you organize motorhome & caravan & camper trailer finance for any vehicles purchased, whether from dealers or a private sale. We will always provide you with the same great rates and excellent service.

Discover why Credit One is the quickest, friendliest, and smartest way to finance your caravan, motorhome, or camper. Contact us on 0800 008 888 or apply online for an obligation-free finance pre-approval.

If you're self-employed or a business owner, read more about the finance options Credit One has available.

Read more about the benefits of caravan financing

Read more caravan tips to ensure a stress-free journey

Read more essential caravan maintenance tips

How does our caravan & motorhome & camper trailer financing work?

We strive to offer interest rates lower than your traditional bank, providing secured financing for caravans, motorhomes, and camper trailers.

  • Under a Secured Loan, the financier pays the dealer or private seller the money for you to buy a caravan or camper and the financier uses the goods for security until you pay the loan back in full.
  • A secured loan can be run from 1-7 years and has a fixed interest rate so that you always know the minimum payments required. You can also finance the full amount so that you can keep your cash for a rainy day.
  • Once the loan is pain in full, the financier lifts the security from the goods giving you full ownerhip of your caravan or camper.


  • Who can get a caravan loan with Credit One?

    If you are a New Zealand resident or have a valid work visa, are above the age of 18, have a steady source of income, and have Clean Credit you can apply for a caravan loan with us!​

  • How much can I borrow?

    The amount of loan you can borrow depends on different factors like credit score, income, ability to meet repayments, etc. But generally, you can borrow between $5000 - $250,000.

  • How long is the loan term?

    Credit One provides financing lengths for caravans ranging from one to five years. Your circumstances will determine the loan period.

  • What interest rates do you charge?

    At Credit One, we provide competitive finance rates on caravan financing tailored to your situation, based on your credit score. The interest rate is tailored to you by the lender. They will work closely with you to provide the best possible rate that meets your needs and financial circumstances.

  • How long it will take to get the loan?

    We aim to get back to our clients within one working day and typically finalize the loan process within 2 working days. Our efficient team works tirelessly to ensure that our clients get prompt and trustworthy services.

  • Are there any charges if I apply for caravan finance through Credit One?

    There are no hidden charges at Credit One! There is a Broker Fee, which is different for each Lender – This is disclosed upon Approval & is added to your loan amount.

  • Can I get Pre-approval before I buy the caravan?

    Yes, of course you can. Credit One offers pre-approval for caravan loans, allowing you to search for and buy a caravan with confidence knowing how much you can borrow and the loan terms.

  • What is the next step if my caravan loan gets approved?

    If your caravan finance is approved, the next step is to locate the Caravan through a Dealer or Private Sale – Advise your Broker, who will then work through the process with you, until pick-up.

  • Can I pay off my caravan finance early? If so, are there any penalties that exist?

    Yes, of course you can. There are no penalties for early repayment of a caravan Loan.

  • Do I need to prepare the deposit before I buy the caravan or motorhome?

    It depends on your situation. If you need a deposit which will be paid at the time of purchase.


What are my repayments?

How much can I borrow?

Calculated with the interest rate of 10.45%*

Apply Online Now

Calculated with the interest rate of 10.45%*

Apply Online Now

* The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our Disclaimer.

It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice. Should you apply for any Credit One product, we will make our own calculations and we will not necessarily take your calculations into account. All Interest rates are displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering.Credit One accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the calculator.Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees, charges or government taxes which may apply to either the calculation of the loan amount or the monthly repayments, such as GST or Luxury Car Tax (where applicable).

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