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Boat finance
Flexible boat loans like our unsecured personal loan could help you head for open water sooner.
Boat finance
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Boat finance for your next adventure
Whether you’re a fishing enthusiast, water sport lover, or looking to enhance your holiday activities, our boat loans and jet ski finance could help you bring your plans to life.
An unsecured personal loan could provide the flexibility to purchase the boat or jet ski you’ve had your eye on.
Borrow up to $80,000
Receive money quickly
Simple online application
Loan terms of 3, 5 or 7 years
Discover your personalised online fixed interest rate in under two minutes, without affecting your credit score.
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Need a personal boat or jet ski loan? Check your rate today
At Liberty, we understand big purchases sometimes require some support. Securing boat finance using a personal loan could allow you to take home a new or used boat or jet ski and spread the cost over time.
From the vessel itself to accessories, storage and maintenance costs – a boat or jet ski loan could help you cover key expenses. The certainty of fixed repayments gives you more control of your budget. And there are no exit fees ─ even if you decide to pay off the loan early.
Rates start from 6.30% p.a. (6.30% p.a. comparison rate1B) for an unsecured personal loan. Use our online personalised rate estimate to find out what rate applies to you. Checking your rate won’t affect your credit score.
Easy to understand features, variables and fees
Features
Accepted purpose
Fees
How can I use a boat loan?
Learn some of the ways boat finance could help cover key elements of boat and jet ski ownership and maintenance.
Boat or jet ski
From small boats to cruisers, yachts and sailboats, a personal loan could help you buy a new or used watercraft. If a jet ski is more your style, consider a jet ski loan.
Boating accessories
Boat finance can help cover the many accessories available to boat owners. Use a boat loan to modify your engine or interior, or upgrade fishing equipment, covers or technology.
Trailers and storage
Transporting and storing your vessel is a key consideration for your budget. Boat finance and jet ski loans can help you secure an appropriate storage location.
General maintenance
Boats and jet skis require ongoing maintenance and repairs to ensure they remain in top shape. A personal loan could cover these additional expenses.
Safety features
Every boat owner knows safety is important out on the water. Boat finance could help you invest in high quality life jackets, GPS, flares and more.
Additional costs
Owning a boat or jet ski comes with additional fees. You could use boat finance to tick off your ownership obligations including registration and insurance.
Our innovation and flexible solutions have helped over 900,000 free thinkers.
Ready to take the next step?
Wherever you are in your journey, help is here however you need it.
Calculate your repayments
Our calculator can help you work out what your loan repayments could be.
Get your personalised rate
Get a personalised interest rate in 2 minutes with our online application. Checking your rate won't affect your credit score.
Apply online
Our streamlined application is fast and fuss free with funds delivered quickly.
Boat loan FAQs
A personal loan can offer the flexibility to purchase a boat or jet ski without dipping into your savings upfront. You can enjoy your new boat or jet ski sooner and repay the costs in fixed repayments over the life of the loan.
Boat finance is designed to help you purchase your vessel without waiting until you have the full amount saved. If your online application is approved and you accept the personal loan offer, funds will be deposited directly into your selected account as a lump sum. You can then buy your boat and any related accessories and start making memories out on the water. It’s that easy!
Anyone over 18 years who is a citizen or permanent resident currently living in Australia can apply for a Liberty personal loan to buy a boat or jet ski. Applicants need to be employed and earn a minimum of $20,000 per year to be eligible (the majority of your income cannot be from Government benefits).
Personal loan repayment terms can vary, with options of three, five and seven year loan terms. The repayments are fixed, and the amount depends on your loan structure. Shorter loan terms could save you overall interest but may come with higher monthly repayments. Longer terms could reduce the monthly payment but may result in more interest being paid over the life of the loan. Consider your financial situation and individual needs when choosing a loan term and structure.
Using our fast online process, you can get a personalised quote in just a few minutes and easily apply online. If you are approved and accept the loan offer by 3pm, we can send you funds the same day. If you are with a major bank, you should receive the funds in your account on the same day, otherwise they will likely appear the following day. Click here to find your tailored personal loan interest rate – it’s obligation-free and only takes two minutes to check.
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Experts in finance for free thinkers
Learn more about free-thinking personal loan options.
Things you should know:
1BUnsecured personal loan interest rates will range from 6.30% p.a. to 19.99% p.a. and will depend on our assessment criteria and the personal loan product you qualify for. Comparison rates range from 6.30% p.a. to 21.49% p.a. This comparison rate is based on an unsecured $30,000 loan over a 5-year term. WARNING: The comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.
2AOther fees and charges may apply, such as dishonour and late fees.
3BThis fee ranges from between 0% to 5.50% of the loan amount, depending on your risk band, capped at $950.
Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2024 All rights reserved | Liberty Financial Pty Ltd ABN 55 077 248 983 | Credit provided by Secure Funding Pty Ltd ABN 25 081 982 872 | Australian Credit Licence 388133 | Both trading as Liberty Financial.