Leisure Loans.
Finance for the weekends, the holidays and everything in between.
Overview
Leisure assets sit between consumer and commercial lending and not every lender plays in this space. We work with the specialists who price caravans, motorhomes, boats, jet skis and motorbikes properly, including older assets that mainstream banks won't touch.
Whether you're a seasoned traveller upgrading a motorhome, a family buying a first caravan or a weekend rider after a sportsbike, the right lender depends on the asset, its age and how you'll use it. Loans for assets used in business can also be structured commercially for tax advantages.
Leisure rates vary widely by asset type, age and lender. We benchmark across specialists who actually price these assets competitively.
Who this is for
Key benefits
- Loan terms aligned to asset life (up to 10 years on caravans)
- Private sale and dealer purchases supported
- Specialist lenders for older or imported assets
- Flexible deposit, including zero-deposit options
- Consumer or commercial structuring
- Fast settlement for off-the-lot purchases
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement; we remain available long after you drive away.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
Personal use, asset as security. Most common for caravans, boats and bikes.
If the asset is used in business (e.g. hire boat, working trailer), commercial structuring may unlock GST and depreciation benefits.
Available on most leisure loans. Useful when you plan to upgrade in 3-5 years.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
$95k caravan, 7-year term, $10k deposit. We placed it with a specialist at 1.2% below the dealer's in-house offer.
2017 trailer boat from a private sale, $48k. Specialist lender approved without an inspection, settled in 3 days.
Repeat customer trading in a 2020 sportsbike for a new tourer. Loan structured to roll equity from the old bike straight in.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Photo ID (driver licence or passport)
- Two most recent payslips
- Recent bank statement showing salary credits
- Details of the asset being purchased
- Photo ID
- ABN (active, ideally 2+ years)
- Recent BAS or last 6 months business bank statements
- Asset details and invoice or quote
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
There are some lenders on our panel that have no end of age asset but on average most lenders are from new to 20 years at the end of the loan term.
Some lenders require a dealer invoice. We know who'll do private and at what price.
Marine loans often need a marine survey for boats over a certain value or age. We'll tell you up front so settlement doesn't stall.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.