Boat Finance

Get a Loan for Your Boat, Jet Ski, Catamaran, Cruiser & More! 

Ready to get out on the water in a new boat or jet-ski? Dreaming of cruising the river with family and friends, or sailing along Australia’s beautiful coastline? Finwise Finance can help. 

We offer easy, competitive boat loans and finance on any type of vessel, new or used, for dealer or private sale, anywhere in Australia.  So, whether you are looking at purchasing a new or used boat, catamaran, cruiser, wakeboard, jet ski or yacht, we can help you to secure the most competitive loan available.  That’s because we compare boat loans from over 30 lenders, with terms from 12 months to 7 years. 

  • Our brokers have many years of experience in marine finance – so we understand how best to help you. 
  • We can finance any type of vessel, new and used, via private or dealer sale. 
  • Boat Loan terms from 12 months to 7 years with fixed interest rates. 
  • Highly competitive fixed rates from multiple lenders available – we compare boat loans from over 30 lenders. 
  • Depending on your circumstances, no deposit loans are available. 
  • Secured and unsecured boat finance options. 
guy purchasing a car

Our experienced and helpful team of brokers offer unmatched expertise in marine finance.  We will patiently assist you to determine your finance options, so you can make a fully informed decision about the best loan and finance for you. 

From catamarans to cruisers, Finwise Finance can help!

Pre-purchase approval

There is no shortage of incredible coastline to explore in Australia, so you don’t want to miss out on your dream purchase by not having your boat finance ready. That’s why we offer loan pre-approvals. This can help speed up the process, especially for first time lenders. Whether you’re after a new or used boat loan, you will know ahead of time how much you can loan, as well as your interest rate and repayment options, so there are no surprises. There is no obligation or fees if you decide not to make a purchase. 


Secured Boat Loan 

Secured boat loans for a catamaran, jet ski, or any type of marine vessel, are available with no deposit on 12 months to 7-year terms. Normally, a secured boat loan is used for the financing of a new boat, or a boat that is only a few years old, as the risk to the lender is lower.  

Secured boat loans offer low, competitive interest rates, as your boat provides security against the loan, reducing the overall risk to the lender. At the end of the boat loan term, the vessel or boat is released by the lender, so you then own the boat outright. 

In the circumstances where you decide to sell your boat or marine vessel, you pay out your loan in full, with no more repayments.  

  • Easy and competitive, fixed boat loan interest rates are available. 
  • Boat finance contracts ranging from 12 months to 7 years, made weekly, fortnightly, or monthly. 
  • If you decide to sell your boat, you may pay out your loan in full, with no more repayments. 

Unsecured Boat Loan  

With an unsecured boat loan, you own the boat or vessel outright, with no security held over the title of the boat. 

The boat loan repayments are then made by you to lender on the agreed terms until the loan is repaid. This means the rates may not be as favourable when compared to a secured boat loan.  However, the boat, jet-ski or vessel is immediately yours, and you are then able to sell the boat at any time. 

An unsecured boat loan is often the better option when purchasing an older boat, vessel, or jet-ski, as the boat or vessel might not meet the requirements for a secured car loan. 

  • Highly competitive fixed boat finance & interest rates available. 
  • You immediately own your boat, jet-ski, or vessel outright. 
  • Boat finance contracts ranging from 12 months to 7 years, made weekly, fortnightly, or monthly. 

Why Choose Finwise Finance for Your Boat Loan?

  • We have access to a large range of loan products of all types at highly competitive rates.
  • We provide dedicated support to help you through every step of the process.
  • We help protect your credit score, by accurately assessing your circumstance, so we know which lender is best for you.

Your quote from Finwise Finance is provided with absolutely no obligation.  We can help answer all your questions and ensure you are able to make an informed decision.