Caravan and Motorhome Finance

Why IF | Benefits

 

• Apply online: Our online application process is super quick and easy - it can be completed in just a few minutes on your phone or computer.
• Same-day response: On the very same day you apply for your motorhome or caravan loan, we'll be in touch to let you know what the next steps in the process are.
• Money within 24 hours: Once your loan is approved your motorhome or caravan finance will drop into your account within just 24 hours!
• Personalised interest rate: We’ll craft a personalised and ultra-competitive interest rate based on your needs, wants and situation.

How does caravan finance work?

A caravan loan is just like any other vehicle loan or personal loan. You fill in an application to let us know how much you'd like to borrow and the motorhome loan terms you'd prefer, we request the information we need, and you're on your way!

What do you need to apply?

As part of your loan application, we'll ask for some basic personal information and loan preferences. We'll also ask you to complete a secure Illion link that lets us check your bank statements for the required affordability assessment.

You'll then need to verify your identity using a New Zealand driver's licence or passport. Don't worry if you don't have either on hand - you can still complete your online application and then provide your ID later, either online or in person.

Find out more about the identification that we can accept by clicking here.

Who can apply?

If you're over 18 years of age and reside in New Zealand, it's more than likely that you can apply for a personal loan. At Instant Finance we accept caravan loan applications from self-employed workers, beneficiaries, visa-holders and more. If you're under 18, we can also speak to your parents or guardians to see how we can help.

 

Apply now!

Eager to use a vehicle loan to purchase a caravan or motorhome? At Instant Finance, as the makers of possible, we've spent over 50 years helping Kiwis to secure the caravan or motorhome of their dreams.

Apply online today to secure a caravan loan that works for you.

FAQs

 

How much deposit do I need for a caravan?

When you secure a vehicle loan through Instant Finance, you don't need any deposit to buy a new caravan – so long as the loan amount covers the full purchase price of the vehicle.

With a wide range of caravan finance options and competitive interest rates, when you choose Instant Finance, you can be confident of securing a vehicle loan that works for you.

What is the oldest motorhome you can finance?

While many banks and other financing institutions are only willing to finance newer caravans and motorhomes, there are no such restrictions when you choose Instant Finance. If you want to invest in a vintage caravan, you can! Retro can be cool!

How long do most people finance RVs for?

Most people secure caravans, motorhomes, and RVs on loan terms of five years or less, so at Instant Finance, our caravan loans are available on terms of up to 60 months.