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Choose Smarter Caravan Finance,Choose Kiwi Car Loans!

Kiwi Caravan Finance

Kiwi Car Loans are industry specialists for all types of recreational vehicles including caravans, motorhomes, campers, boats, jet-skis, RV’s and trailers.

We have access to a large range of lenders and can secure finance at competitive rates for you. Our experienced team is here to provide you with financial solutions that suit your individual needs and lifestyle. Your personal finance consultant will walk you through every step of arranging your caravan loan and make the process as simple as possible for you.

Kiwi Car Loans can have you on the road for your next adventure in no time!

Talk to one of our finance experts today on or .

What you need to apply

You can apply online and can upload the documents listed below through a secure, paperless and electronic ID verification system.

We endeavour to get back to you without the inconvenience of leaving your work or home from your computer, tablet or mobile phone.

However you can apply in person at any of our branches nationwide and bring the documents below with you, we can usually give you an answer on the spot or simply call .

Valid NZ driver licence

Proof of address

Bank statement less than 30 days old

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Who can apply?

You can apply for finance with us if you fulfill these conditions.

  • You're a New Zealand resident or visa holder
  • You're over 18 years of age
  • Hold a valid New Zealand driver licence
  • Have a regular income

See how affordable your dream is with our calculator


6.95% 19.95%

$148 Apply Now

* Interest rate is indicative range only.


6.95% 19.95%

$26,952 Apply Now

* Interest rate is indicative range only.

Protect yourself from the unexpected

We can arrange:

  • Payment Protection Insurance
  • Guaranteed Asset Protection
  • Mechanical Breakdown Warranties
  • Comprehensive Motor Vehicle Insurance

Additional Insurance Products are also available to help protect you and your new asset.

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KCL 11th year anniversary

We work all days of the week to make sure smarter finance is made available to our customers on all days, including weekends! Call us to find out more and why we have over 25,000 happy customers.

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What our customers say about us

Tyler has been brilliant to deal with. I got in touch in a Sunday mid morning and had approval by Sunday afternoon. Can’t recommend him enough. He worked in with me and my needs and made sure everything was as seamless as it could be. Nothing was a problem and he was always quick to get back to me with answers to my questions. I’d definitely use him again.

Hilda E

Kiwi car loans are awsome i would like to say thank you to rachael and the team for making things so easy for me and they were great to deal with i would recommend them to anybody once again thanks heaps.

Lorne Thompson

Rachael is soo amazing.. She got everything done so quickly.. She was very friendly and easy to deal with. Thank You so much Rachael. Will definitely recommend you

Shanel Reddy

Ben and Rachael are the best finance broker i've never see in my life, Rachael is lovely friendly lady help us a lot. easy understand and high efficiency communicate. highly recommend to anyone who needs car finance.

YuLong Ning

Great service from these guys! Shweta is very prompt and professional and made sure everything was processed smoothly. She even went on holiday close to contract being signed and made sure that there were people to cover. Would use these guys again for sure!

Dave Willingham

Have had the out most amazing service for Jannine. She definitely worked very hard to help us get where we needed to be and with what we wanted!!! I would 110% recommend her and I will definitely be a return customer.

Hope Toon


1. What is a caravan loan?

A caravan or motorhome loan is when a financial provider lenders you money in order for you to purchase a caravan outright. This money is then paid back over a period of time with interest added to the total amount of the loan. The reason you would take out a caravan loan is because you don’t have enough money to immediately buy the caravan. Caravan loans can either be secured meaning the loan has some type of collateral for security or unsecured where you have no collateral on the loan at all.

2. How does a caravan loan work?

Once you decide on a caravan you want to purchase you will then need to apply for a loan with a financial provider for the amount of the caravan's selling price. The Financial lender then takes into account your situation, looking at your income, debts, expenses, to determine if you are eligible to receive a loan at the requested amount. If the lender is happy with your application and circumstances then they will approve the loan and that is when you can go and purchase the caravan you want. Once the caravan is purchased you will need to pay back the total amount of the loan plus interest over the loan's term which is outlined in the loan agreement.

3. Who can apply for a caravan loan?

If you’re a New Zealand resident or visa holder are over 18 years of age, hold a valid New Zealand driver licence and have regular income, you can apply for a caravan loan with Kiwi Car Loans

4. Should you get caravan finance?

The cost of a caravan can be $25,000 + and so unless you have this amount of money saved up, caravan finance may be the only way you can get the vehicle you want. Along with the benefits of immediate purchase and possession there are other reasons why getting caravan finance is worth it:

Quick & easy process = A majority of financial providers like Kiwi Car Loans have a full process which makes it quick & easy to to get your caravan loan sorted.

Higher loan amounts = If you get a secured caravan loan you can usually increase the value of your loan and so purchase a better caravan in the process.

100% financing = financial lenders can also provide 100% finance which means you don’t have to pay for any upfront costs associated with the loan.

Tax deductions = If the caravan is for a business then the caravan loan can be tax deductible.

Builds credit history & improves credit score = by getting a caravan loan you can create a credit history if you don’t already have one plus if you pay the loan back without any problem you could improve your credit score to help with future financing.

5. What interest rate do you charge?

Our caravan loan interest rates are determined by several factors such as credit ratings, how well you have paid off previous loans, secondary income etc. We also take into account the circumstances of the individual applications, so for a more definitive interest rate please contact us on .

6. How do I calculate caravan finance repayments?

The best way to calculate your caravan finance repayments is to use our which outlines total repayments along with how much you can borrow.

7. Can you sell a caravan under finance?

If you are looking to sell your caravan and it is currently under finance you need to consider what type of finance you have. If the finance is secured with the caravan being the collateral you will need to contact your finance provider for further information. If the finance collateral is not the caravan then you can sell the caravan as you please. This is the same for unsecured caravan loans, however in both situations you will still need to pay back the full amount of the loan.

8. What does refinancing a caravan mean?

When you refinance a caravan loan you are simply replacing your current loan with a new loan from another financial provider. The reason why someone might do this is to get a better interest rate or to reduce the length of your loan. You should consult with a loan expert before you make a decision to refinance your caravan to make sure you are getting the best deal.

9. How long does it take to get an answer?

We aim to get back to you within a couple of hours. If you would like to discuss your application urgently, please call us on .

10. Do you offer no-deposit caravan loans?

Yes, we certainly offer no-deposit caravan loans, apply or contact us on .