Make a Splash With Your Boat Loan
Smooth sailing boat financing with personalised loan matching. Secured or unsecured options for yachts, sailboats, jetskis, and more.
Loan Amount
Approved
Competitive Rates
Best rates from 30+ lenders
Fast Approval
Same day decisions
Expert Brokers
Marine finance specialists
Simple Process
Minimal paperwork
Loan Terms
1 - 7 years
Borrow up to
$100,000+
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Estimate Your Repayments
Use our calculator to get an idea of your monthly payments
Estimated repayment
per month
*This calculator provides estimates only. Actual rates depend on your circumstances.
Smooth Sailing Boat Financing
Personal boat loans allow you to purchase your dream vessel through flexible monthly or fortnightly payments. Whether you're after a yacht, sailboat, jetski, or catamaran, we've got you covered.
Loan durations typically span between 12 and 84 months (1-7 years). Our experienced brokers help you find the right loan structure, whether secured against your boat or unsecured for smaller purchases.
We offer competitive rates personalised to your circumstances based on factors such as your credit history, employment status, and the vessel you're purchasing.
Free Comparison Service
We compare 30+ lenders to find you the best rate. Calculate your repayments and ensure the loan is affordable for you.
Use CalculatorSecured & Unsecured Options
Whether your boat qualifies as security or you need an unsecured personal loan, we have options to suit.
Learn MoreSpecialist Broker Team
Our dedicated marine finance specialists are here to guide you through every step of the process.
Contact UsYachts
Luxury vessels
Sailboats
All sizes
Jetskis
Personal watercraft
Catamarans
Multi-hull boats
Marine Finance Options
Finance Any Type of Vessel
Whether you're looking to finance a luxury yacht, a family-friendly sailboat, a thrilling jetski, or a spacious catamaran, our boat loan options have you covered.
Flexible Terms
Choose from 1-7 year loan terms
Secured & Unsecured
Options to suit your circumstances
Quick Approval
Same-day decisions available
Simple terms. No hidden fees.
$0
Early repayment fee
Pay off early and save on interest. No penalties.
$10
Monthly fee
Simple, transparent pricing. No hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
1-7 years
Loan durations
Flexible terms to suit your budget.
$100,000
Max loan amount
Secured loans from $4,000 with no upper limit.
With no impact to your credit score
Boat Loan Options
Personal boat loans can be either secured or unsecured. With a secured loan, your boat acts as collateral, often resulting in lower interest rates. With an unsecured loan, no collateral is required - ideal for smaller purchases up to $30,000.
We also offer marine chattel mortgages for those who prefer this financing structure. Our brokers will explain all options and help you choose the best fit.
When deciding on a boat loan, consider your budget carefully. Factor in not just the repayments but also ongoing costs like mooring fees, insurance, maintenance, and registration.
Secured Loan
Lower rates, boat as security
Unsecured Loan
Up to $30,000, no collateral
Your Boat Loan is Ready
Apply Now
See how we've made the process of applying for a boat loan easy. Use our Loan Calculator for a guide to repayments, then apply today!
With repayment terms flexible to your needs and experienced brokers that put you first, getting a loan with Loans 123 is as easy as one two three.
Call us on 1800 079 147 or apply online to start discussing your marine finance options.
Frequently Asked Questions
For unsecured personal loans, you can borrow up to $30,000. For secured loans (using the boat as security), the minimum is $4,000 with no upper limit depending on the value of your vessel and your financial circumstances.
Ready to apply?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score