Don't let upfront cost hold you back. Below are some lenders and finance pathways commonly used for modular home purchases in Australia. Capsul does not have a finance arm — these are independent options we suggest to help you explore what's available.
However you fund your build, what you pay Capsul is straightforward and fixed in writing before anything begins — no hidden variations, no moving targets.
Confirms your order and locks your fixed price. This starts your design, engineering and production planning.
Payable once your home is built and ready to ship to your site. Delivery and any site works are quoted separately.
Full payment, deposit and cancellation terms are set out in your written contract and our Terms of Use.
Personal loans are the most common way buyers finance a Capsul home. Funds are paid directly to you — you settle with Capsul, then repay the lender at a fixed rate over your chosen term. The lenders below all offer unsecured personal loans suited to modular and tiny home purchases.
Independent lender suggestions only. Capsul is not affiliated with, endorsed by, or in a referral arrangement with any of the lenders listed below. We are not licensed to provide financial advice. These suggestions are provided as a starting point — please do your own research and consult a licensed finance broker or adviser before applying.
| Loan amount | $2,000 – $50,000 |
| Terms | 3 – 7 years |
| Rate from | ~6.57% p.a. (fixed) |
| Repayments | Weekly / fortnightly / monthly |
| Early repayment | No fees |
| Security | Unsecured |
| Loan amount | $5,000 – $50,000 |
| Terms | 18 months – 7 years |
| Rate from | ~7.95% p.a. (fixed) |
| Repayments | Weekly / fortnightly / monthly |
| Early repayment | No fees |
| Security | Unsecured |
| Loan amount | $5,000 – $50,000 |
| Terms | 1 – 7 years |
| Rate from | ~9.99% p.a. (fixed) |
| Repayments | Weekly / fortnightly / monthly |
| Early repayment | Fees may apply |
| Security | Unsecured available |
| Loan amount | Up to $80,000 |
| Terms | 1 – 7 years |
| Rate from | Varies by profile |
| Repayments | Monthly |
| Early repayment | Check with lender |
| Security | Secured + unsecured |
A finance broker who specialises in modular or prefab homes can compare lenders across the market and often access rates not available direct. Good for non-standard situations — self-employed, low deposit, or larger builds.
Search for an accredited broker via the MFAA or FBAA broker finders.
Rates and products correct as a general guide — verify directly with each lender before applying. All rates are comparison rates and may vary based on your credit profile.
Visit one of the suggested lenders above, or talk to our team about the total cost of your build so you know exactly what to apply for.