Caravan Finance
LEisure Finance
Explore South Africa with our caravan and trailer finance
Caravans allow South Africans to explore the country in a completely unique way. They are also a serious investment. Most caravans do not come from a dealership but from a private owner, a club notice board, or a word-of-mouth lead. That is exactly where most banks stop, and we go further.
Whether you are making your annual trip to the coast or setting off to explore the bush, let us take care of the financing so you experience the benefits of an outdoor adventure in comfort.
LEisure Finance
Explore South Africa with our caravan and trailer finance
Caravans allow South Africans to explore the country in a completely unique way. They are also a serious investment. Most caravans do not come from a dealership but from a private owner, a club notice board, or a word-of-mouth lead. That is exactly where most banks stop, and we go further.
Whether you are making your annual trip to the coast or setting off to explore the bush, let us take care of the financing so you experience the benefits of an outdoor adventure in comfort.
Caravan finance built for those who explore off the beaten track
Whether you’re buying new from a dealer or a custom-built caravan from a private seller, we structure finance around the caravan, not a lender checklist.
New caravans
We finance new caravans from established South African manufacturers, including Jurgens, Sprite, and Conqueror, as well as imported units. Whether you are buying through a dealer or directly from the manufacturer, we can structure a facility to match.
Second-hand caravans
Second-hand caravan finance is available through us, subject to the unit’s age, condition, and value. We do not apply the same rigid cutoffs as mainstream lenders.
Private sale caravans
This is where we Go Beyond. Most banks will not finance a caravan purchased from a private seller. We can structure finance around your unique transaction without requiring you to go through a dealer.
Off-road and leisure trailers
We also finance all types or trailers, including overland trailers, off-road camping trailers, and leisure trailer. Whether it is a Conqueror, an Echo, or a custom-built unit, we assess the asset on its merits.
Common questions about caravan and trailer finance
Yes. Specialist leisure assets are exactly what we do. Traditional banks often don't know how to value or structure finance for assets that fall outside standard book-value systems, but we have built our business around getting these deals done.Â
With 62,000+ clients, over R20 billion in assets financed, and R30 billion in assets under management, we have the experience and the appetite to structure finance for the unusual. Our nationwide coverage and direct access to asset specialists mean your application is assessed by people who understand the asset, not a generic credit template.
Not always. Merchant West structures caravan finance as asset finance, which means better rates, longer terms, and a facility that is tailormade for the purchase.
Most major banks offer some form of caravan finance, but eligibility rules vary significantly. Many will only finance caravans purchased through registered dealers. Merchant West funds private sales, which opens up a much larger portion of the market.
Yes. We offer second-hand caravan finance subject to the unit's age and condition. We assess each application individually rather than applying a blanket cutoff.
Yes. Most banks will not fund a private caravan sale. We will, subject to a valuation and the standard application process.
There is no fixed cutoff, but the unit's age, condition, and value will all factor into our assessment. Get in touch to find out more.
Yes. Overland trailers and off-road camping trailers are eligible for finance through Merchant West. We assess these as the specialist assets they are.
Terms typically range from 36 to 72 months, depending on the value of the unit and your preference.
Our team can provide a detailed repayment illustration based on your specific unit and preferred term. Speak to a specialist for a figure that reflects your transaction.
Leisure Finance
Caravan and trailer finance
Get in touch to explore the best solution for you.