Buying a caravan can be a great way to organise more flexible
holidays and weekend breaks. It can provide you with a home away from home,
with all of your creature comforts. You can travel anywhere you would like to
visit, spend one night or several without needing to worry about expensive
hotel accommodation or costly restaurant bills. However, unless you are in a
very fortunate financial position, it is likely that you will need to consider
caravan finance to fund the purchase.
Dealership Caravan Finance:
The most obvious place to look for your caravan finance is the dealership where you are purchasing the
caravan. While this can be a great place to secure your caravan finance Perth consumers
should not assume that they are automatically obtaining the best caravan
finance rates. The dealership may have some attractive packages, but be sure to
read the small print to check for any hidden fees or charges, and compare the
rates with other providers before you commit. In many cases, the sticker price
for the finance options are often based on longer term loans to make the
monthly charges more attractive. Although this means that your monthly expenses
will be less, you will be paying far more over the term of the loan. Always
check the total finance cost in addition to the APR and monthly payment
estimates.
Bank Loans:
Another source of financing is a loan from your high street
bank. Most banks and financial institutions advertise some great loan deals for
any purpose. However, you should be aware that since the global finance crisis,
many banks are reluctant to lend to those without an excellent credit record.
If you have less than perfect credit, you may not qualify for the advertised
rate and will be offered a less competitive deal. Again, be sure to compare any
quotes to check if it is the best possible deal.
Specialist Caravan Finance
Broker:
A broker can be the best way to get a great deal on your
caravan finance. Reputable brokers have access to a range of lenders who
specialise in certain types of finance. The broker can search for the most
competitive deals, allowing you to compare caravan finance rates without
needing to fill out multiple forms and applications. A broker can assist you
even if you have less than perfect credit as they will have access to a number
of companies with more relaxed lending criteria. The broker can assist you with
the paperwork, making the loan application process far less stressful and
frustrating.
Finding caravan finance need not
be stressful, but it can be a good idea to research your options before you
commit to a purchase. This will allow you time to compare caravan finance rates
and find a great deal. You can then shop with confidence that you can
comfortably afford your new purchase.
If you are considering caravan finance, Perth consumers
should contact us. We specialise in caravan finance and would be happy to
discuss your requirements and assist you in obtaining the deal best suited to
your particular circumstances.
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