Boat Finance Australia
Ready to set sail? Whether you're after a fishing boat, family cruiser, or luxury yacht, we'll help you find competitive finance to make it happen. Bad credit options available.
Get pre-approved and shop with confidence.
Finance Your Dream Boat
Australia's beautiful coastline and waterways are calling. Whether you dream of weekend fishing trips, exploring hidden bays, or cruising with family and friends, owning a boat makes it all possible. We can help you finance the perfect vessel.
At Your Lending Friend, we compare boat finance from over 40 lenders - including marine finance specialists who understand the boating market. We find competitive rates and flexible terms that work with your budget.
Bad credit? Don't let that keep you on the shore. We have options for all credit situations.
Why Finance Your Boat With Us?
We make getting on the water easy
Fast Approvals
Many applications approved same day. Get pre-approved before you visit the marina so you can negotiate with confidence.
Competitive Rates
We compare boat finance from 40+ lenders including marine finance specialists to find you the most competitive rates available.
Bad Credit Options
Past credit issues? We work with specialist lenders who consider your whole situation, not just your credit score.
Marine Finance Experts
Our team understands boat finance inside out. We guide you through the process and help you choose the right loan for your vessel.
Types of Boats We Finance
From tinnies to luxury yachts - we can help
Fishing Boats
From tinnies to offshore fishing vessels, we finance boats built for the catch.
Cruisers & Yachts
Finance for cabin cruisers, sailing yachts, and luxury vessels of all sizes.
Runabouts & Bowriders
Perfect for family fun on the water - versatile boats for skiing, tubing, and cruising.
Popular Brands We Finance
Boat Loan Details
Flexible finance tailored to your needs
Finance for small tinnies to luxury cruisers, including trailer and motor
Flexible terms to suit your budget and financial goals
Finance available for new and used boats up to 15-20 years old
How Boat Finance Works
Getting approved for your boat loan is simple
Tell Us About Your Boat
Share what you want to finance - new or used, make, model, and purchase price. We'll find options that fit your budget.
We Compare Lenders
Our specialists search 40+ lenders including marine finance experts to find competitive rates for your boat purchase.
Get Pre-Approved
Know your budget before you buy. Pre-approval gives you negotiating power and confidence when purchasing.
Set Sail
Once approved, we handle the paperwork and settle quickly so you can start enjoying your new boat.
Checking your options won't affect your credit score
Boat Finance FAQs
Common questions about marine loans
Boat loans typically range from $10,000 to $500,000 or more, depending on the type and size of vessel. We can finance everything from small fishing boats to luxury cruisers and yachts.
Boat loan terms typically range from 1 to 7 years, with some...
Boat loan terms typically range from 1 to 7 years, with some lenders offering up to 10 years for larger vessels. Shorter terms mean higher repayments but less interest overall.
Yes, we finance both new and used boats. Most lenders will f...
Yes, we finance both new and used boats. Most lenders will finance vessels up to 15-20 years old, though terms and rates may vary based on age, condition, and type of boat.
Yes. We work with specialist lenders who consider applicatio...
Yes. We work with specialist lenders who consider applications from people with bad credit, defaults, or past bankruptcy. Rates may be higher, but options are available for most situations.
Deposit requirements vary by lender and your credit situatio...
Deposit requirements vary by lender and your credit situation. Some lenders offer no-deposit options for strong applicants. Having a deposit (10-20%) can help secure approval or a better rate.
Yes, most lenders allow you to finance the trailer, outboard...
Yes, most lenders allow you to finance the trailer, outboard motor, and marine electronics as part of your boat loan. This can make the purchase more affordable by spreading the total cost.
Most lenders require comprehensive marine insurance for fina...
Most lenders require comprehensive marine insurance for financed boats. We recommend getting insurance quotes before finalising your purchase to factor this into your budget.
We can finance virtually any type of recreational vessel inc...
We can finance virtually any type of recreational vessel including fishing boats, runabouts, bowriders, cabin cruisers, sailing yachts, pontoon boats, and luxury motor yachts. Both dealer and private sales can be financed.
Still have questions? Contact our friendly team
Related Leisure Finance
Ready to Set Sail?
Contact us today to discuss your boat finance options. We'll help you find the right loan for your budget.