Caravan Finance

Demand for caravans in New Zealand has increased dramatically in light of recent house price rises and the ever-increasing cost of living. Renovated older caravans are available for up to NZ$20,000 with a new caravan setting you back anywhere between NZ$40,000 and NZ$100,000.
Here at Crester Credit we take a flexible approach, offering affordable rates to those looking to secure caravans on finance.

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We make it easy for you

We offer flexible caravan finance NZ-wide, not a one size fits all approach, with repayment terms structured around your income. Check our online caravan finance calculator to work out repayments and affordability.

 

 

 

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We look at the wider picture

Dependent upon suitable security, we can help clients buy caravans on finance up to a maximum of NZ$100,000. Just because you have a challenging credit rating it doesn’t mean the end of your dream!

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We offer affordable interest rates

Here at Crester Credit, we provide caravan loans at rates between 13.95% and 26.98%, depending on your circumstances, credit history and security. For full disclosure of our charges, visit our terms and fees page.

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Caravan Loan Calculator

Use our New Zealand caravan loan calculator to check repayments and get a idea of how much you can borrow. Usually, you’ll make a deposit on the caravan, which acts as security, with loan repayments normally spread across 48 months.

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
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* This is an approximate loan duration based on assumed adequate security u0026 collateral, job security, income, residence situation and positive references.
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Caravans on finance

It is fair to say that the Covid pandemic revived a love of the New Zealand countryside and domestic holidays. Consequently, the cost of caravans has increased significantly with renovated older caravans available for up to NZ$20,000, good quality second-hand imports now cost between NZ$20,000 and NZ$40,000, with a new caravan setting you back anywhere between NZ$40,000 and NZ$100,000.

Akin to a car, a new brand new caravan could lose up to 20% of its value as soon as it is purchased. After that, the value of your caravan is likely to fall by up to 10% per annum. To maintain maximum value going forwards, ongoing repairs and maintenance are essential. A well-maintained caravan could last for 30 years and beyond.

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What is the maximum level of caravan finance?

Dependent upon suitable security, we can help clients buy caravans on finance up to a maximum of NZ$100,000. The greater the security, the more attractive the interest rate as the risk factor is reduced. As a responsible lender, we are aware of our obligations regarding sensible lending and will only provide affordable caravan loans.

Here at Crester Credit, we provide caravan loans at rates between 13.95% and 26.98%, depending on your circumstances, credit history and the security you can provide. The rate is fixed for the entire term of the loan. This tends to be up to 3 years but can be extended in certain circumstances.

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Rest, relax and recuperate

While there are some static caravans, most are mobile, which allows you to hitch them up to your vehicle and hit the highway. Whether you are looking to sample the country life for just a weekend, a few days or a couple of weeks, there are many options. You might be surprised if you compare and contrast the cost of an overseas holiday each year against what you would pay with caravan finance.

For many people, the beauty of a caravan is the fact that once you have acquired the caravan, that is the bulk of your long-term costs. Many people now see an investment in a caravan as a long-term alternative to often expensive international holidays, offering greater flexibility when it comes to taking a break at short notice

Frequently Asked Questions

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Our online application form takes only six-eight minutes to complete. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application.

Vehicle Finance Questions? Ask Our lending team.

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We respond to our clients seeking pre-approval on finance to buy a caravan, almost immediately. In the meantime, please review our commonly asked question’s about finance rates, establishment fees, annual interest rates, early settlements, the responsible lending code of New Zealand, and the application process. We’re here to help with everything caravan finance related.

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