Consumer finance
Compare suitable boat loan and finance options for new, used and eligible private-sale vessels, including clearly itemised engine and trailer packages.
Updated 6 September 2026
Boat finance involves the purchase as well as the borrower. Resolve the boat's identity, any recorded security interests and the package being sold before committing to the transaction.
Potentially. Ask the broker to check the proposed vessel and private-sale arrangement with suitable lenders before relying on finance. Give them the agreed package price and identify anything sold separately. Loan approval and purchase checks are different steps; neither an online estimate nor an initial enquiry confirms that the sale can settle.
No. A boat search uses the hull identification number or official number. Trailer security interests need a separate vehicle search using its VIN. An outboard motor's interests may require a search against the relevant person or organisation. Follow the official PPSR instructions for the package you are buying; do not assume a clear hull result covers every item.
No. A boat search does not report stolen or damaged status, or confirm the vessel's make, model or registration. Check the identifier carefully and arrange appropriate registration and condition checks separately. PPSR recommends searching immediately before purchase for current results. If a security interest appears, resolve what it means with the seller and broker before proceeding.
Compare costs and conditions
Compare repayments, fees, conditions and any final payment together. An estimate is not a lender quote or approval.
Comparison rate, fees and total repayments
What is included: vessel, motor, trailer and accessories
Any age, inspection, insurance or valuation conditions
Extra repayments, early payout and any balloon amount
Start without uploads. If you continue, a broker will explain which documents are relevant.
Common questions
Potentially. Lenders commonly apply age, condition and value rules, so the exact vessel matters.
Potentially. Provide an itemised purchase price for the hull, engine, trailer and any accessories so the broker can check what an eligible lender may include.
Not always. Fees, term and any final payment also affect the total cost. Compare repayments and charges together.
Speak with a broker
Start online or call RateSmart. A broker will confirm the request and discuss suitable options. Submitting an enquiry does not lodge a credit application.
