How Personal Trailer Loans Work
If the trailer's for you rather than a business, such as a camper, boat trailer, float or box trailer, you apply in your own name. No ABN, no business paperwork. The lender looks at your income, regular expenses, existing debts and credit history.
You'll usually choose between a secured loan, where the trailer backs the loan and the rate is lower, and an unsecured personal loan, which suits older or cheaper trailers that secured lenders won't take. Personal loans are covered by consumer credit laws, so the lender has to check the loan suits you and that you can afford it.
Not sure which fits? See secured vs personal loan.
Key Details
ABN RequiredNo
WhoPrivate / personal buyers
TrailersBoat, horse float, camper, car, box
Sale TypeDealer or private
Term2–7 years
Common Questions
No. Personal trailer loans are consumer products designed for private buyers — no business ABN, GST registration or business structure is required.
Boat trailers, horse floats, camper trailers, car trailers, box trailers and most recreational and lifestyle trailer types are funded through consumer personal loans.
Yes. Consumer trailer loans are available for private sale purchases through select lenders. You'll need a sale agreement and trailer details.