Boat & marine finance Australia-wide
From a tinnie for the local river to a cruiser for the coast. We help you finance the boat, the motor and the trailer, and make the process smooth from quote to launch.
- ✓Runabouts, fishing boats, jet skis, cruisers and yachts
- ✓New or used, dealer or private sale
- ✓Boat, motor and trailer financed together
Get a quick quote
Two minutes, no obligation. We'll call you back within one business day.
How boat loans work
Most boat loans are secured marine loans, where the boat (and often its motor and trailer) secures the loan. Lenders look at the boat's age, value and type, as well as your income and credit history. The term available depends on the lender and the boat.
Older boats, high-value vessels and private sales all have extra steps, such as a valuation, a survey or a check that the seller owns the boat outright. We'll tell you up front what the lender is likely to need so there are no surprises close to settlement.
Estimate repayments
What we can help finance
- Trailer boats and runabouts
- Fishing and centre-console boats
- Jet skis and personal watercraft
- Cabin cruisers and flybridge boats
- Sailing yachts
- Outboard motors, electronics and trailers
- Commercial and charter vessels (business finance)
What you'll usually need
- Driver licence or other ID
- Payslips, or tax returns and BAS if self-employed
- Bank statements
- Boat details: make, model, year, hull ID (HIN), motor and trailer details, and the dealer invoice or private seller's details
Every lender is different. We'll confirm exactly what's needed for your application.
Ways to structure it
Which option suits depends on how you'll use the asset, your income and your plans. We'll walk you through the pros and cons.
Secured boat loan
The most common option for personal use. The boat secures the loan.
Unsecured personal loan
Can suit smaller amounts or older boats that lenders won't take as security. Usually a higher rate.
Chattel mortgage
For boats used in a business, such as charter or commercial fishing.
Pre-approval
Know your budget before boat shows and private inspections. Conditional on the lender assessing the boat.
How it works
Tell us what you need
Send a quick quote or email us. We'll ask about the asset, the amount and your situation.
We compare options
We look at suitable lenders and loan structures and explain the trade-offs in plain English.
Apply with our help
We prepare and lodge the application and keep you posted until the lender decides.
Settle and get going
Once approved, we coordinate settlement with you and the seller or supplier.
Frequently asked questions
Can you finance an older boat?
Sometimes. Lenders set their own limits on a boat's age. If a secured loan isn't possible we can look at other options.
Do I need a survey or valuation?
For larger or older vessels the lender may ask for a marine survey or valuation. For most trailer boats it isn't needed. We'll tell you early.
Can the motor and trailer be included?
Yes, in most cases the boat, motor and trailer are financed together as one package.
Can I finance a boat for my business?
Yes. Commercial and charter vessels can be financed under a business structure such as a chattel mortgage. Speak to your accountant about the tax side.
Ready to talk about your finance?
Tell us what you're buying and we'll do the legwork with lenders.