A caravan can turn a long-planned lap around Australia, regular coastal weekends or family holidays into something genuinely achievable. But before choosing the layout, tow rating and extras, it pays to work out how you will fund a caravan purchase in a way that still feels comfortable after you have hit the road.
The right finance is not simply the loan with the lowest advertised rate. It is the structure that suits the caravan you are buying, your income, the deposit you can contribute and the repayment level you can manage without putting pressure on the rest of your budget. A little preparation before you shop can give you more confidence at the dealership or when negotiating with a private seller.
Start with the real cost of owning a caravan
The purchase price is the obvious starting point, but it is rarely the whole figure. New caravans can be optioned with solar, battery upgrades, air conditioning, towing accessories, annexes and other features that add quickly to the final invoice. With a used caravan, you may need to allow for tyres, servicing, repairs, registration transfer or safety checks.
Then consider the costs that continue after settlement. Insurance, storage, maintenance, fuel and campsite fees all deserve a place in your household budget. Understanding these costs helps you set a purchase limit that supports the lifestyle you want rather than creating a repayment that takes the enjoyment out of travelling.
It can also help to decide whether a newer model is worth the higher price. A new caravan may come with warranty coverage and the latest inclusions, while a well-maintained used caravan may offer better value and lower borrowing needs. Neither option is automatically better. The condition, age, price and your intended use all matter.
Ways to fund a caravan purchase
For many buyers, a secured caravan loan is the most practical option. The caravan generally acts as security for the finance, which can make it easier to access competitive terms compared with an unsecured personal loan. Loan terms can often be tailored around the asset and your circumstances, helping spread the cost over an agreed period.
An unsecured personal loan may suit some buyers, particularly where the caravan does not meet a lender’s security requirements or where the borrowing amount is smaller. However, rates can be higher because the lender does not hold security over the caravan. Comparing the total repayment amount, not just the weekly or monthly figure, is essential.
Using savings for all or part of the purchase is another option. A larger deposit can reduce how much you need to borrow and may improve the loan-to-value position. At the same time, it is sensible to retain a financial buffer for setup costs, unexpected repairs and life outside the caravan. Draining every dollar of savings to reduce a loan can leave little room to move.
Some buyers also consider dealer-arranged finance. This can be convenient, especially when purchasing a new caravan, but convenience should not stop you from comparing the loan term, rate, fees, repayment flexibility and any conditions attached to the offer. An independent broker can assess options across a panel of lenders and help identify a structure that better matches your needs.
Choose repayments that leave room to travel
A longer loan term can reduce each repayment, which may assist cash flow. The trade-off is that you may pay more interest over the life of the loan. A shorter term usually costs less overall, but the regular repayment will be higher. The best choice is often a balance between total cost and a payment you can maintain comfortably.
Before applying, test the repayment against your normal spending. Include housing, utilities, groceries, existing credit commitments, insurance and realistic travel costs. If your income varies through the year, base your decision on a conservative average rather than the busiest months.
Ask whether the loan permits extra repayments and whether there are fees for paying it out early. Flexibility can be valuable if you receive a bonus, complete a strong trading period or simply want to reduce the balance faster. Features differ between lenders, so they should be considered alongside the interest rate.
What lenders may look at
A lender will assess whether the proposed loan is suitable and affordable based on your financial position. This commonly includes your income, regular expenses, existing liabilities, credit history and details of the caravan being purchased.
For a salaried applicant, recent payslips and bank statements may be requested. Self-employed borrowers may need to provide business financials, tax returns, bank statements or other evidence that shows their capacity to meet repayments. The exact documents depend on the lender and the complexity of the application.
The caravan itself also matters. Lenders can have different policies around the age of a used caravan, its value, whether it is bought from a dealer or private seller, and the loan amount sought. A caravan that looks like a bargain may be harder to finance if it is older, poorly documented or valued below the agreed purchase price.
Past credit issues do not always mean caravan finance is out of reach. They may affect the lender options, rate, deposit requirement or documents required, so a clear picture of your position is useful from the outset. A broker who understands specialist and impaired-credit lending can explain the realistic pathways without encouraging you to take on unsuitable debt.
Prepare before you start shopping
Being ready to apply can make the purchase process less stressful, particularly when the right caravan appears unexpectedly. Start by setting a maximum all-in budget, then separate the caravan price from the costs you will pay outside the loan.
It is wise to obtain a written quote or invoice that clearly shows the caravan details, purchase price and inclusions. For a private sale, confirm ownership and identify any money owing on the caravan before handing over funds. Check the VIN or chassis number, inspect the caravan carefully and consider an independent inspection if you are unsure about its condition.
Have your identification, income documents and recent bank statements organised. Avoid taking on new credit or making major finance applications immediately before seeking caravan finance, as changes to your commitments can affect your borrowing position. If you have a deposit, keep clear records showing where the funds came from.
Pre-approval can also be helpful. It gives you an indication of your budget before you negotiate, although it remains subject to lender conditions and approval of the caravan. This can be particularly useful when comparing several models or purchasing through a private seller with a tight settlement timeframe.
Questions worth asking before you sign
A finance contract is easier to understand when you know what to check. Confirm the interest rate and whether it is fixed or variable, then look at the comparison rate where one is provided. The comparison rate can help illustrate the impact of interest and certain fees, although it may not capture every possible cost or feature.
Ask about establishment fees, monthly account fees, early payout charges, missed-payment fees and the total amount payable over the full term. Check the repayment frequency too. Fortnightly or weekly repayments can suit your pay cycle, but the key is ensuring the dates work with your cash flow.
If the caravan will secure the loan, understand what happens if you sell it before the finance is repaid. Usually, the loan balance needs to be cleared as part of the sale. It is also worth confirming insurance expectations, as comprehensive cover is commonly required for a secured asset.
Get guidance tailored to your purchase
Caravan finance is not one-size-fits-all. The right approach for a couple purchasing a late-model tourer from a dealer may be different from the right approach for a self-employed buyer purchasing a used off-road caravan privately. The details matter, and so does having someone explain them plainly.
Auto Link Finance can help assess your circumstances, compare suitable lender options and guide you through the application and settlement process. With the right preparation and a repayment structure that fits your budget, your caravan purchase can be a considered step towards more time away, not a financial burden waiting at home.
A good broker matching example is not about finding the lowest advertised rate and hoping it fits. It is about taking the vehicle or equipment you want to buy, the way you earn, your credit position and the repayments you can comfortably manage, then finding a finance structure that makes sense for all of it.
That matters when you are buying a car, ute, truck, caravan, motorbike or business equipment. Two borrowers can apply for the same $45,000 vehicle and receive very different suitable options. The difference is not necessarily one person being a better borrower. Their loan purpose, deposit, income evidence, existing commitments and asset choice may simply call for a different approach.
What a broker matching example looks like
Consider a self-employed electrician buying a late-model dual-cab ute for work. The ute will carry tools, tow a trailer and be used mostly for business, with some personal driving on weekends. The purchase price is $52,000. They have a $10,000 deposit, have been trading consistently for two years and need repayments that allow for quieter periods between larger jobs.
A direct lender application may offer one standard vehicle loan pathway. A finance broker looks further. The broker considers whether a chattel mortgage could suit the business use, whether a secured car loan is more appropriate, the age and type of vehicle, the available deposit, the applicant’s business income and any existing finance commitments.
The first question is not simply, “Can this be approved?” It is, “Which option is most appropriate if it is approved?” A five-year term may reduce regular repayments compared with a shorter term, but it can increase the total interest paid over the life of the loan. A balloon payment can also lower ongoing repayments, yet it leaves a larger amount due at the end of the term. That may suit a borrower who intends to sell or trade the ute later, but it needs to be planned for rather than treated as an afterthought.
In this example, the broker may present a chattel mortgage option with a deposit and a considered balloon amount, because the vehicle is primarily work-related and the repayment pattern suits the client’s cash flow. The borrower should seek independent tax advice about any potential tax treatment. The broker may also show a no-balloon alternative so the client can compare the final repayment obligation against higher regular instalments.
The right match is the option the client understands, can afford and is comfortable maintaining. It is not automatically the loan with the smallest fortnightly figure.
A broker matching example is built on the full picture
Lenders each have their own credit policies, asset requirements and document standards. Some may be more comfortable with particular vehicle ages, certain business types or applicants who use alternative income documents. Others may focus more heavily on a particular credit factor or prefer a larger deposit.
This is where broker support can save time. Rather than submitting the same application everywhere, a broker can assess the likely fit before selecting suitable lenders and products. That does not mean an approval can be promised. Every application is subject to lender assessment and responsible lending requirements. It does mean the application can be directed with more purpose.
The asset and how it will be used
A personal car loan, a truck finance application and finance for a piece of construction equipment should not be treated as identical transactions. The asset’s value, age, condition, intended use and resale profile can affect available options.
For example, a new family SUV used privately may suit a secured car loan with a straightforward repayment schedule. A truck purchased by an owner-driver may need a commercial structure that accounts for business cash flow and the vehicle’s working role. A caravan or boat may call for a lender that is familiar with lifestyle assets rather than a lender focused only on passenger vehicles.
Income, commitments and cash flow
A salaried applicant may provide payslips and bank statements, while a self-employed business owner may need to provide business financials, tax returns, bank statements or other income evidence requested by the lender. Neither path is automatically better. The key is presenting an accurate, clear picture of income and commitments.
A broker also considers the timing of repayments. Weekly, fortnightly or monthly repayments can make a practical difference to household or business budgeting. For a business with seasonal income, a repayment structure that looks affordable on paper may still be uncomfortable during quieter months. It is worth discussing this before an application is lodged.
Credit history and realistic pathways
Past credit issues do not always rule out finance, but they can change the lenders and structures that may be available. A broker experienced in bad credit loan solutions can help identify realistic pathways and explain the trade-offs honestly.
That may mean a higher rate, a larger deposit, a more limited borrowing amount or a requirement for additional documents. It can be tempting to focus only on getting approved quickly. A better outcome is understanding the full cost and choosing a repayment you can sustain. Building a reliable repayment record may also put you in a stronger position for future finance.
Loan term, deposit and balloon payment
These three settings work together. Increasing a deposit reduces the amount borrowed. Extending the term can reduce each repayment but may increase total interest. Adding a balloon can reduce regular repayments while creating a final lump sum to manage.
There is no universal formula. A client financing a work vehicle that they expect to replace in a few years may assess a balloon differently from a family buying a car they plan to keep for a decade. The broker’s role is to explain the choices in plain language, not push a one-size-fits-all structure.
Why the lowest rate is only one part of the decision
A low advertised rate can be appealing, but it may come with eligibility conditions that do not match your circumstances. The vehicle may fall outside the lender’s preferred age range. The loan may require a larger deposit. The repayment term may be less flexible than you need, or the lender may not accept the income documentation available for your situation.
A slightly different rate with more suitable terms, manageable repayments and a lender policy aligned to your profile can be the better result. Comparing finance is about the overall arrangement: interest rate, fees, term, repayment frequency, balloon amount, security requirements and conditions of approval.
This is particularly useful when time matters. If you have found the right ute for the business, secured a caravan before a holiday period or need equipment to take on new work, an application sent to an unsuitable lender can cost valuable time. A broker helps narrow the field before the paperwork begins.
What to have ready for a stronger finance conversation
You do not need every detail sorted before speaking with a broker, but a few basics help create a clearer match. Know the approximate purchase price, the type of asset, how it will be used and whether you have a deposit or trade-in. Be ready to discuss your regular income, current financial commitments and any credit concerns openly.
If you are self-employed, having recent financial information available can speed up the process. If you have selected a vehicle or item of equipment, provide the seller details, invoice or listing information where possible. Clear information allows the broker to identify lender requirements early and reduce avoidable delays.
Auto Link Finance works with clients across personal and business asset finance, helping turn these details into suitable finance options. With access to a broad lender network and hands-on guidance, the aim is to make the process clearer from the first conversation through to settlement.
The most useful next step is simply to talk through what you are buying, what you can contribute and what you need the repayments to achieve. A well-matched loan starts with an honest picture of your circumstances and advice that keeps your plans firmly in view.
A lower monthly repayment can be appealing when you are buying a car, ute, truck or piece of equipment. But balloon payment risks deserve the same attention as the interest rate and loan term. A balloon can help preserve cash flow now, yet it also creates a sizeable amount to deal with at the end of the finance contract.
For the right borrower and asset, this structure can be a practical choice. For the wrong situation, it can turn an affordable-looking repayment into pressure at settlement. The key is understanding exactly what you will owe, how you expect to pay it, and what could change before that date arrives.
What is a balloon payment?
A balloon payment is a lump sum left owing at the end of a loan term. Rather than paying the entire amount of the loan down through regular repayments, you agree to repay a portion at the end.
For example, if you finance a $50,000 vehicle over five years with a 25% balloon, $12,500 remains payable when the final scheduled repayment is due. Your regular repayments are lower than they would be without a balloon because you are not reducing that $12,500 during the term.
Balloon structures are commonly considered for vehicle and equipment finance, especially where a borrower expects the asset to retain value or plans to upgrade at the end of the term. Business borrowers may also use a balloon to support working capital by reducing monthly outgoings. It is not automatically a better or worse option – it is a different repayment structure with a clear trade-off.
The main balloon payment risks to consider
The biggest risk is straightforward: the final payment may be larger than you can comfortably manage. It can feel distant when you sign the agreement, particularly on a five- or seven-year term. However, the due date eventually arrives whether the asset has performed as expected or not.
The asset may be worth less than the balloon
Many borrowers plan to sell or trade in the vehicle or equipment and use the proceeds to clear the balloon. That can work, but resale value is never guaranteed. Market demand, kilometres, condition, service history, accident damage and newer models entering the market all affect the price you can achieve.
If your vehicle sells for less than the balloon, you need to cover the shortfall from savings or another source of finance. This is especially relevant for assets that depreciate quickly, are highly specialised, or experience heavy use. A truck, excavator or business vehicle may be essential to your income, but its condition at the end of the term still matters to its resale value.
Refinancing is not guaranteed
Another common plan is to refinance the balloon at the end of the term. This may be available, but it is a new lending decision, not an automatic extension of your existing agreement.
A lender may assess your current income, expenses, repayment history, credit file, the remaining value of the asset and its age. Interest rates may also be higher than when you first took out the loan. If your circumstances have changed or the asset no longer meets a lender’s criteria, refinancing options may be narrower than expected.
Lower repayments can conceal the total commitment
A balloon reduces regular repayments, which is often the main attraction. But lower repayments can create the impression that you are borrowing less than you are. You still owe the balloon amount, and interest is generally charged on the outstanding balance over the term.
That means a loan with a balloon can cost more in total interest than an otherwise comparable loan with no balloon, because the principal balance reduces more slowly. The exact difference depends on the rate, term, fees and balloon percentage, so it is worth comparing the total amount payable rather than focusing solely on the monthly figure.
Business cash flow can change
For a small business owner or self-employed operator, a balloon may free up funds for stock, staff, repairs or seasonal expenses. That flexibility can be valuable. The risk is relying on future cash flow that becomes less predictable due to quieter trading periods, a delayed contract, rising operating costs or unexpected repairs.
A balloon should be part of a wider cash-flow plan, not a bill that is simply pushed into the future. If the asset is income-producing, consider whether it is likely to generate sufficient value throughout the term and whether you can build a reserve for the final payment.
When a balloon may be suitable
A balloon can make sense where the size is realistic in relation to the asset’s likely end value and your broader financial position. Someone who regularly replaces late-model vehicles, maintains them well and has a clear trade-in strategy may prefer the lower repayments a balloon provides.
It can also suit a business buying equipment that has a reliable resale market and a defined replacement cycle. In these cases, a carefully chosen balloon may align repayments with how the asset is used.
The important word is carefully. A larger balloon produces lower monthly repayments, but it increases the amount exposed at the end. Choosing the largest possible balloon simply to reach a preferred repayment can create an unnecessary gap between what you owe and what the asset is worth.
How to reduce balloon payment risk before you apply
Start by deciding how you would clear the balloon if you could not sell the asset for the amount you expect. If the answer is refinancing, ask whether you would still be comfortable if rates rose or your available term was shorter. If the answer is savings, work out what you need to set aside each month and treat that contribution as part of the real cost of the loan.
It also helps to be conservative about resale value. Look beyond optimistic private-sale advertisements and allow for normal wear, kilometres and potential market changes. If you need a vehicle for work, factor in the likelihood that additional use will reduce its value.
Before accepting a finance offer, make sure you can clearly answer these questions:
What is the exact balloon amount in dollars, not just as a percentage?
What will the loan cost in total, including interest and fees?
What is my realistic plan to pay, sell, trade or refinance at the end?
What happens if the asset is worth less than the balloon or my income changes?
You may decide that a smaller balloon, a shorter term, or no balloon at all gives you more certainty. On the other hand, you may find that a moderate balloon fits your planned upgrade cycle and preserves cash flow without placing too much reliance on resale value. The right answer depends on the asset, your budget and the level of risk you are comfortable carrying.
Check the finance structure, not just the repayment
Comparing finance options should involve more than finding the lowest advertised repayment. Consider the loan term, interest rate, fees, security, balloon amount and the flexibility available at the end of the agreement. For business-use assets, the most appropriate structure may also depend on your accounting and tax circumstances, so independent professional advice can be worthwhile.
A finance broker can help you compare structures across suitable lenders and explain the practical implications in plain language. At Auto Link Finance, the focus is on matching the loan structure to the borrower and asset, rather than treating a lower repayment as the only measure of affordability.
A balloon payment should never be a surprise waiting at the end of your loan. When the final amount, likely asset value and repayment plan all make sense together, you can move forward with a structure that supports your purchase now and remains manageable later.
A new excavator, commercial oven, diagnostic tool or specialised trailer can help your business take on more work. The funding choice behind it matters just as much. When weighing an equipment loan vs business overdraft, the key question is whether you are buying a long-term income-producing asset or simply need flexible access to working capital for short-term expenses.
Both can have a place in a healthy business, but they solve different problems. Choosing the wrong structure can put unnecessary pressure on cash flow, leave an asset underfunded or see you paying a higher rate than necessary. Here is how to assess the options with confidence.
Equipment loan vs business overdraft: the core difference
An equipment loan is designed to fund a specific asset. The lender advances the money to buy eligible equipment, and you repay the loan in regular instalments over an agreed term. In many cases, the equipment itself is used as security for the finance.
A business overdraft is a pre-approved credit limit linked to a business transaction account. You can draw on it when the account balance falls short, then reduce the balance as money comes in. Interest is generally charged only on the amount used, rather than the full approved limit.
Put simply, an equipment loan gives you certainty for a planned purchase. An overdraft gives you a buffer for changing day-to-day cash flow. One is usually a structured asset-finance solution; the other is a revolving line of credit.
When an equipment loan is likely to make sense
Equipment finance is often the stronger fit when the purchase will support the business over several years. This could include plant and machinery, workshop equipment, medical or hospitality equipment, agricultural machinery, IT hardware or specialised tools.
The main benefit is certainty. You know the purchase price, loan term and repayment schedule before you commit. That makes it easier to price jobs, forecast cash flow and match the cost of the asset to the revenue it is expected to generate.
Because the asset can provide security, equipment loans may offer more competitive pricing than unsecured business credit. The rate you are offered will still depend on factors such as the asset, loan amount, deposit, business financials and credit profile. A newer, easily saleable asset may be viewed differently from highly specialised or older equipment.
Repayment terms can also be tailored. A shorter term may reduce the total interest paid but increase each repayment. A longer term can lower the regular repayment and preserve cash flow, although it may increase the overall cost of finance. In some cases, a balloon or residual payment at the end of the term can further reduce monthly commitments. This needs care: you will need a clear plan to pay, refinance or trade in the asset when that final amount falls due.
For eligible business buyers, common structures include a chattel mortgage, finance lease or hire purchase arrangement. The right option depends on your business setup, how you use the equipment and your accountant’s advice. Tax treatment and GST timing can differ between structures, so it is worth checking the detail before signing.
Example: buying equipment that earns income
A plumbing business needs a $45,000 pipe inspection camera and locating system to win commercial maintenance contracts. Using an equipment loan can spread the purchase over a term that reflects the useful life of the system. The business retains cash for wages, materials and fuel while the equipment helps produce income to support its repayments.
Using an overdraft for the full purchase may be less comfortable. The balance could remain high while the business also needs the facility for unexpected supplier bills or a slow-paying customer. If the overdraft limit is tight, one large equipment purchase can consume the flexibility it was meant to provide.
When a business overdraft may be the better tool
An overdraft is generally better suited to short-term gaps between money going out and money coming in. Many small businesses have uneven cash flow. You may need to pay suppliers this week, while a major customer invoice is not due for another 30 days.
In that situation, an overdraft can be practical because you draw only what you need. When customer payments arrive, the balance reduces automatically through the account. There is no separate fixed repayment schedule in the same way there is with an equipment loan, although the facility still has conditions, fees and a credit limit to manage.
An overdraft can help cover variable operating costs such as stock, freight, repairs, seasonal expenses or a temporary delay in debtor payments. It may also suit minor equipment purchases that are low-cost and genuinely short-lived, provided the business can clear the balance promptly.
The trade-off is that overdrafts can be more expensive than secured equipment finance, particularly if the balance stays high for extended periods. Rates are often variable, so costs can change. Some facilities also include establishment fees, annual fees, line fees or other charges. The lender may review the facility periodically and can require security, personal guarantees or financial information depending on the application.
Most importantly, an overdraft should not be treated as permanent funding for a long-life asset. If a piece of equipment will be used for five years but the overdraft is expected to be repaid from everyday cash flow within months, the funding and asset life are out of balance.
Example: managing a seasonal cash-flow gap
A landscaping contractor has a busy period leading into summer. They need to pay for mulch, turf and casual labour before several completed jobs are invoiced and paid. A business overdraft can bridge that short period, with interest charged on the amount drawn. Once customers settle their accounts, the balance can be brought back down.
Taking out a separate equipment loan for these changing costs would not be a natural fit. There is no single asset being purchased and no predictable, fixed amount that needs funding over years.
Compare the impact on cash flow, cost and flexibility
The best choice is not simply the product with the lowest advertised rate. Consider how the facility behaves when business is busy, quiet or facing an unexpected expense.
With an equipment loan, repayments are fixed or scheduled. This can make budgeting easier, but you must have enough cash available each repayment date. The loan balance reduces over time, building a clear path to ownership or completion of the agreement.
With an overdraft, repayments are flexible because incoming funds reduce the debt. That can be useful, but it also requires discipline. If the account is constantly overdrawn, the facility may be masking an ongoing cash-flow issue rather than solving a temporary one. A sustained overdraft balance can become costly and may limit your ability to respond when a genuine emergency arises.
It also helps to look beyond the monthly figure. Compare interest rates, loan term, establishment and account fees, security requirements, early payout conditions, balloon payment obligations and whether the facility has a periodic review. Ask how the lender will assess the equipment and what documentation is needed. Clear answers upfront can prevent surprises later.
A practical way to decide
Before applying, work through four questions:
Is the funding for one identifiable asset that will generate value over several years?
Can the expected revenue from that asset comfortably support regular repayments?
Is the need temporary and linked to normal timing differences in receivables and expenses?
If the overdraft were fully used, would you still have enough room to handle an unexpected business cost?
If the first two answers are yes, equipment finance is usually worth exploring first. If the need is short-term and will reduce as invoices are paid, an overdraft may be more suitable. Some established businesses use both: an equipment loan for major assets and an overdraft kept available for working-capital fluctuations.
Getting the structure right before you buy
The right funding choice depends on more than the equipment price. Lenders may consider your time in business, turnover, bank statements, existing commitments, asset details and credit history. Self-employed applicants can have different documentation requirements from salaried borrowers, and a past credit issue does not automatically rule out finance. It simply makes matching the application to a suitable lender and product more important.
A finance broker can help compare options across lenders, explain the differences between structures and identify a repayment arrangement that fits your plans. At Auto Link Finance, the focus is on understanding what the asset needs to do for your business before recommending a pathway.
A well-chosen facility should give you room to grow without turning every invoice cycle into a funding worry. Fund long-term equipment with a structure built for the asset, keep flexible credit for genuine short-term needs, and make each repayment part of a plan you can sustain.
Websites store cookies to enhance functionality and personalise your experience. You can manage your preferences, but blocking some cookies may impact site performance and services.
Essential cookies enable basic functions and are necessary for the proper function of the website.
Name
Description
Duration
Cookie Preferences
This cookie is used to store the user's cookie consent preferences.
30 days
Statistics cookies collect information anonymously. This information helps us understand how visitors use our website.
Google Analytics is a powerful tool that tracks and analyzes website traffic for informed marketing decisions.
Contains information related to marketing campaigns of the user. These are shared with Google AdWords / Google Ads when the Google Ads and Google Analytics accounts are linked together.
90 days
_gat
Used to monitor number of Google Analytics server requests when using Google Tag Manager
1 minute
_gid
ID used to identify users for 24 hours after last activity
24 hours
_ga_
ID used to identify users
2 years
_gali
Used by Google Analytics to determine which links on a page are being clicked
30 seconds
_ga
ID used to identify users
2 years
__utmx
Used to determine whether a user is included in an A / B or Multivariate test.
18 months
__utmv
Contains custom information set by the web developer via the _setCustomVar method in Google Analytics. This cookie is updated every time new data is sent to the Google Analytics server.
2 years after last activity
__utmz
Contains information about the traffic source or campaign that directed user to the website. The cookie is set when the GA.js javascript is loaded and updated when data is sent to the Google Anaytics server
6 months after last activity
__utmc
Used only with old Urchin versions of Google Analytics and not with GA.js. Was used to distinguish between new sessions and visits at the end of a session.
End of session (browser)
__utmb
Used to distinguish new sessions and visits. This cookie is set when the GA.js javascript library is loaded and there is no existing __utmb cookie. The cookie is updated every time data is sent to the Google Analytics server.
30 minutes after last activity
__utmt
Used to monitor number of Google Analytics server requests
10 minutes
__utma
ID used to identify users and sessions
2 years after last activity
Marketing cookies are used to follow visitors to websites. The intention is to show ads that are relevant and engaging to the individual user.
Facebook Pixel is a web analytics service that tracks and reports website traffic.
