# Harmoney Purchase Caravan — New Zealand

Start your road trip

Caravan and RV finance usually means the asset is used as security, with surveys, registration, and limited flexibility if you want to sell or trade up.

Your caravan or motorhome, funded with a straightforward personal loan. No asset lien, no registration as collateral.

A Harmoney personal loan lets you borrow $10,000 to $100,000 for a caravan, camper trailer, or motorhome. The loan is unsecured — no security registration on the asset, no surveys. Fixed rate, $0 monthly fees, $0 early repayment fees.

Harmoney holds Financial Service Provider licence FSP 593769.

Typical amount for this purpose: $10,000 – $100,000 — guidance, not a product limit; the loan amount range below applies.

## How purchase caravan finance works

- Check your rate: A soft inquiry in as little as 2 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours. Subject to responsible lending inquiries.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Buying a caravan — what to consider

**Inspect before you buy.** Caravans suffer from water damage, chassis corrosion, and gas system issues. An independent inspection before purchase can save thousands in hidden repairs.

**Check your tow vehicle.** Your car must have the towing capacity for the caravan you are buying. Exceeding the tow rating is illegal and dangerous.

**Budget for setup costs.** Registration, insurance, a tow bar, weight distribution hitch, and any modifications to the caravan add to the upfront cost.

## Personal Loan (unsecured)

- Interest rate: 7.99% p.a. – 24.99% p.a. (fixed)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $150
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288.


The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.