Vessel type and age
A runabout, personal watercraft and larger cruiser can sit under different lender policies. Build year and condition also matter.
Consumer finance
Boat finance for new, used and eligible private-sale vessels
Tell us the vessel, seller, purchase amount and deposit. A broker can compare suitable finance options.
- 50+ lenders in the panel
- Australia-wide
- Enquiry first — no application lodged
What affects your options
The vessel changes the finance conversation
Lenders assess the boat as well as the borrower. Clear vessel and purchase details make it easier to compare realistic options before committing to a sale.
Dealer or private sale
Private purchases may require additional identity, ownership, registration or valuation checks before settlement.
Purchase and deposit
The hull, motor, trailer and eligible accessories should be itemised so the financed amount is clear.
Term and ownership horizon
Match the proposed term to how long you expect to keep the vessel, rather than focusing only on the lowest regular repayment.
What this finance may cover
- 01New and used boats
- 02Dealer and eligible private sales
- 03Personal watercraft
- 04Boat refinancing
Compare costs and conditions
Look beyond the advertised rate
Compare repayments, fees, conditions and any final payment together. An estimate is not a lender quote or approval.
Open repayment estimatorComparison 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
Documents you may need
Start without uploads. If you continue, a broker will explain which documents are relevant.
- 01Proof of identity and income
- 02Vessel make, model and age
- 03Purchase invoice or sale details
- 04Registration details where applicable
Common questions
About boat finance
Can used boats be financed?
Potentially. Lenders commonly apply age, condition and value rules, so the exact vessel matters.
Is the advertised interest rate the whole cost?
Not always. Fees, term and any final payment also affect the total cost. Compare repayments and charges together.