Personal Finance
Boat and marine finance
for water lovers.
Tinnies, ski boats, cabin cruisers, jet skis, yachts — we finance watercraft of all kinds. Specialised broker with access to lenders who handle marine loans properly.
Get on the water sooner
Marine finance is a specialist area — not all lenders deal with boats, and those that do vary significantly on what they'll accept. We work with lenders who actively finance watercraft and have competitive products for both new and used vessels.
Whether it's a trailer boat for weekend fishing, a family ski boat, or a larger cruiser — tell us what you're looking at and we'll find the right finance structure quickly.
All watercraft types
Tinnies, ski boats, cabin cruisers, yachts, pontoons, jet skis — most considered.
New & used boats
Dealer and private sale — including older vessels where specialist lenders apply.
Competitive rates
We compare across our panel to find the best available rate for your situation.
Same-day response
Enquire today and we'll be in touch quickly — before the boat you want is gone.
Who this suits
- Consumers buying a boat for recreational or family use
- Buyers comparing lenders before committing to dealer finance
- Those purchasing a used vessel from a private seller
- Anyone wanting honest advice on how much they can borrow and at what cost
Marine finance can move quickly — particularly for popular vessels. Get your pre-approval sorted so you're ready to buy when the right boat comes up.
Marine Finance FAQS
Got questions? We've got answers.
Plain English. No jargon. Just the stuff people actually ask us.
What can I buy with marine finance?
Marine finance can help with boats, jet skis, fishing boats, runabouts, cruisers, yachts, outboards, trailers and other watercraft-related purchases, depending on the lender. Whether it's for weekends on the water or business use, we'll help you understand the finance options and choose a structure that suits your plans.
Can I finance a used boat?
Yes, used boat finance may be available. Lenders often look at the boat's age, condition, make, model, hull type, motor, trailer, service history and value. For older or higher-value boats, extra checks may be needed. We'll help you understand what the lender requires before you commit.
Do lenders require a marine survey or valuation?
Sometimes. A lender may request a survey, inspection or valuation for certain boats, especially if the vessel is older, higher value or more specialised. It helps confirm condition and market value. We'll let you know early if this is likely, so you can factor it into the buying process.
Can I include the trailer, motor or electronics in the boat loan?
Often, yes. Marine finance may be able to include related items such as the trailer, outboard, electronics, safety equipment or fitted accessories if they are part of the purchase. We'll help package the full quote so the lender can assess the complete setup.
Can I get boat finance for a private sale?
Yes, private sale boat finance may be available, but it usually needs more documentation than buying from a dealer. Lenders may ask for seller details, proof of ownership, registration information, hull identification, motor details and possibly an inspection. We'll help you manage the process so it feels straightforward.
Can marine finance be used for business purposes?
Yes, if the boat or marine asset is being used for business, we can explore commercial finance options. This may suit tourism operators, charter businesses, fishing businesses or marine service providers. We'll look at how the asset will be used and help match the finance structure to the business purpose.