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Camper Trailer Loans: Apply through Nifty for Camper Trailer loans up to $50,000!

Get outdoors with camper trailer loans!

Ah, the great outdoors. Mother Nature at her finest. Is there anything better than staring into a starry sky without a cloud in sight? With Camper Trailer Loans through Nifty, this could be you! We offer small to medium personal loans along with a broker service! Want to know more? Well, we’ll get into what Nifty can offer a little later; in the meantime, though, let’s talk Camper Trailers! We’ll give you a little insight into the different types, costs and uses for different Camper Trailers. So, if you’re interested, read on! Nifty is always here for fast loan options!

Camper trailer loans

Camper trailers for every situation

Camper Trailers are often considered a luxury item within the outdoors community. They’re not necessarily a ‘must-have’; though, once you do have one, there’s no looking back. They are unrivalled with their balance of space, comfort and convenience, especially if you’re with a family or companion. If you’re thinking of a road-trip, there is no better option than to do it in a Camper Trailer. They are a bit of an investment, though, as even the smaller options do not come cheap. With Camper Trailer loans through Nifty, we could help with this. For your convenience, we have compiled a list of three different Camper Trailers at three different price points. Each serves its own purpose and meets different needs. So, if you’re in the market for a Camper Trailer, let’s get into it! 

Soft Floor Camper

The cheapest and most accessible camper will have to be the Soft Floor Camper Trailer. Being smaller, lighter and cheaper than the other variants, they are offered as the perfect entry point into the camper world. As the name suggests, a Soft Floor Camper is essentially a large tent that is stored in a trailer. Due to the construction, they are able to be compact when stored and large when set up, allowing for large living spaces and easy transportation. Along with this, the actual trailer will usually house a bed, toilet and pull-out style kitchen, boasting a sink and a gas stove for cooking. 

One area Soft Floor Campers excel in is space. Although it was mentioned that they were smaller than other variants, this is only true when they are packed away. When completely assembled, the Soft Floor Campers are often the largest of the group, with enough room to sleep a whole family. One other benefit is their price. If you’re looking at a camper with all of the bells and whistles, you’ll find it to be around $10,000 – $15,000. Though, a more modest model will come in at around $5,000.

With all that being said, there are some down-sides to Soft Floor Campers. As they are mostly constructed from fabrics, they can struggle when faced with violent weather. So you might want to seek a place to stay if caught in a storm. Following this, the setup can be a struggle when compared to the other types. It is not uncommon to spend 30-40 minutes just setting up or packing away. If you’re moving on a daily basis, this may be something to consider. 

Other than that, they will often be the perfect option for larger camping groups. Looking to go on a road trip with the fam? A Soft Floor Camper will do the Trick! Need help with financing? You can always apply through Nifty for Camper Trailer Loans!

Hard Floor Camper

Sharing a lot of similarities, some may say that a Hard Floor is the little brother of the Soft Floor. As you could have guessed, instead of a soft floor, Hard Floor campers will have a… Wait for it… hard floor! We know, revolutionary! Though this may seem like a small change, it makes a huge difference to both the comfort and integrity of the Camper. The trailer has a hardtop and when it’s time to unfold and use, it’s as simple as flipping over the top to reveal the roof and sides. The hardtop on the camper trailer then forms the floor. 

One of the downfalls of camping is constantly setting up – especially if you’re planning on staying at multiple places. If your trip involves a new location every night, hard floors are a better option. Not only is set up a breeze, but the floor will usually be suspended off the ground, making for a consistently level floor and cleaner living environment. 

With these added luxuries come a few trade-offs, however. The available living space will be noticeably smaller than that of a Soft Floor, meaning it can house fewer people, and the price can be nudged higher. Often falling between $15,000 and $20,000, hard floors come steep. Though, if you’re into it, this may seem like a no-brainer. 

Hybrid Camper

If you are looking to camp in style and without sacrificing the creature comforts from home, you’ll be glad to hear about Hybrid Campers. This type of camper offers the perfect balance between an actual caravan and a camper trailer. Unlike the other two designs, Hybrid Campers provide an entirely enclosed cabin with every utility you could imagine. Kitchen? Check. TV? Check. Shower? Check. When we say you’re not sacrificing anything, we mean it. If you don’t fancy living in a tent and you’re willing to splash the cash, you can’t go wrong with a Hybrid Camper. 

Now, we know you’ll be wondering about the price. All we can say is brace yourselves… An average price for one of these puppies will fall somewhere around $40,000 to $50,000. If you find that this is still in your price range, and you’re looking for finance, Nifty can still help! We offer a broker finding service for Camper Trailer loans of $10,000+! Interested? We’ll get onto it in a bit. 

New or used?

With the price of a new trailer often being significantly more expensive than that of a pre-owned one, it may prove fruitful to scan the second-hand market for a possible steal. Worried about finance? Don’t be. The best thing about Nifty is that our loans can be used for practically anything, this includes second-hand Camper Trailer loans! Before getting into this, though, let’s discuss a few tips for the second-hand market. When buying second hand, you’re gonna wanna do your checks. This means PPSR checks, registration checks, interior checks and exterior checks. 

Always do a PPSR check!

“What’s a PPSR check?” You ask. Well, the PPSR, or also known as the Personal PropertySecurity Register, is a register that keeps track of securities on vehicles. Checking this before a purchase is important to ensure no other entity holds an encumbrance over the Camper. If this is the case, it is important you resolve this with the seller before continuing with the sale, otherwise a creditor may still have rights to the property!

Check inside and out

Interior and Exterior checks are pretty self-explanatory. You will just be checking the overall condition of the vehicle to ensure you are not overpaying for a damaged product. See below a quick list for some problem areas that should be checking before purchasing:

  • Chassis – Any structural damage?
  • Canvas – Does the exterior have any holes or punctures?
  • Brakes and Suspension – Is this in working order?
  • Gas Cylinders and lines – Any leaks?
  • Lighting and electrical – Everything working fine?

More on Nifty’s camper trailer loans

With all of that out of the way, let’s get into what Nifty has to bring to the table. Don’t know who we are? Well, Nifty is an Australian based lender offering fast personal loans from $300 to $5,000 and a broker service for larger loans completely online. “What’re the benefits of this?” You may ask. Well, think faster applications, faster processing times and fast outcomes, how good is that?! In fact, if you apply during regular business hours, our team will aim to have an outcome within 60-minutes! 

Types of fast personal loans

The best thing is, our personal loans can be used for almost anything! Think Camper Trailer loans to registration finance; holiday loans to car repair loans; Nifty has it all! For your convenience, shown below is a break-down of the offered loan types and their respective loan amounts: 

Small Cash LoansUnsecured$300 – $2,000
Medium Personal LoansCan be Secured$2,100 – $4,600
Large Personal LoansOften Secured$5,000 – $10,000

Personal loan criteria

Interested in applying for one of our fast personal loans for your camper trailer? Fantastic! Before you apply, it is worth checking that you meet our base criteria. To be eligible to apply, you must:

  1. Must 18 years or older;
  2. Have Australian citizenship or permanent residency;
  3. Be receiving a regular work income into a personal bank account for the last 3-months;
  4. Have an active mobile and email address.

About our broker service

As our in-house funded loans only range up to $10,000, we have partnered with a broker in an attempt to bridge the gap for our client’s looking for something more. Our broker of choice? Diversifi Finance. A highly-awarded finance broking company, supported by Choice Aggregation Services, Diversifi is one of Australia’s foremost team of brokers. 

Why were they our broker of choice?

Using state-of-the-art software, the Diversifi broker team is able to find finance solutions efficiently, matching your unique financial needs. All brokers have extensive experience in the finance sector and commit to ongoing training, as well as holding Australian Credit Licenses.

With the help of Diversifi, our clients are able to apply for loans of $10,000+. Have your eye on a new camper? Enquire through Nifty and Diversifi will be able to assist you in applying for Camper Trailer online.

Broker service criteria

Of course, we’d like to help everyone, though, our broker-fiding service works a little differently than our personal loans. Our brokers require that you meet the following requirements before applying:

  • Must be over 18 years old;
  • Be an Australian citizen or permanent resident;
  • Have a drivers licence;
  • Be receiving a regular work income into a personal bank account for the last 3-months;
  • Have a credit score of 300+ (not sure what your credit score is? You can still apply and we can help you find out).

And that’s it! If you’re interested in this service, scroll the top of the page and select the ‘over $10,000’ option. In a few short steps, you could be on your way to sourcing a new camper trailer loan!

Want to know more?

If there is anything else you want to know, don’t be a stranger, give us a call on 1300 471 328 or send us a message from our contact us page, and one of our friendly customer service staff will be able to assist you. Want more of Nifty? You can also follow us on Pinterest, Instagram, Twitter and also keep up to date with the latest personal finance and lifestyle trends via our blog.

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Andy Andy

AUTHORITATIVE SOURCE

Andrew Bell

Since founding Nifty in 2016, Bell has continued to make waves within the local financial sector for his continued ambition and willingness to adopt emerging technologies.

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Loan Costs

Large Loans

Large Loans

Large Loan Example

$5,000

Loan amount:
$5,000
Terms:
9 - 24 months
Establishment fee:
Variable
Monthly Fee:
$0
APR:
21.24%
Comparison Rate:
48%**
View Example
Loan amounts:
$5,000
Terms:
18 months, (78 weekly repayments)
EEstablishment fee and Total Interest:
$1,897.54
Total payable:
$6,897.54
Weekly installments:
$88.43
View Loan Details
Medium Loans

Medium Loans

Medium Loan Example

$2,001 - $4,600

Loan amounts:
$2,001 - $4,600
Terms:
9 - 24 months
Establishment fee:
$400
Monthly Fee:
$0
APR:
47.8%
Comparison Rate:
65.86%**
View Example
Loan amounts:
$2,500
Terms:
24 Months, (104 weekly repayments)
EEstablishment fee:
$400
Total other fees:
$1,609.44 (reducing interest)
Total payable:
$4,509.44
Weekly installments:
$43.36
View Loan Details
Small Loans

Small Loans

Small Loan Example

$300 - $2,000

Loan amounts:
$300 - $2,000
Terms:
6 - 9 months
Establishment fee:
20%
Monthly Fee:
4%
APR:
N / A *
Comparison Rate:
138.37%**
View Example
Loan amount:
$1,000
Terms:
6 Months, (24 weekly repayments
EEstablishment fee:
$200
Total other fees:
$240
Total payable:
$1,440
Weekly installments:
$60
View Loan Details

* Not applicable. Small loans do not charge an annual interest rate.

** WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Different loans may include other payable fees and charges. All fees and charges will always be displayed on your loan contract.