Boat & Marine Finance

New or Used Boat Loans

Are you looking for financing to purchase your dream boat from a marine dealer or private seller? Perhaps you need financing to upgrade your current boat. Unless you’ve saved a lot of cash, you’ll need a boat loan to make your dream a reality. At Oxcel Finance, we specialize in boat loans for all types of new and used marine vessels. We offer competitive rates with flexible terms for secured and unsecured boat loans.

We have dozens of partners/lenders across Australia with various boat loan packages that will definitely suit your needs. Our dedicated team of marine experts will advise you on various marine finance options and help you negotiate a loan with incredibly low-interest rates. We can also guide you on sourcing your new watercraft.

We provide financing for the following:

Personal & Commercial Boats
Yachts
Jet skis
Luxury cruisers
Repairs

Our Boat Loans come with the following benefits:

Convenient and Secure Application Process
Low Interest Rates
Flexible Loan Repayments
Dedicated Marine Experts
Access 100% financing
Zero Hidden Charges

Talk to our dedicated team of marine experts via our hotline 1800 010 001 to get information on interest rates, application fees, charges, etc.

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Boats Finance Loan Calculator

Any calculation made using this repayments calculator is intended for illustrative purposes only. The calculator does not take establishment fees, stamp duty, or other government charges into account. Any calculations made should not be relied upon for the purposes of deciding whether to apply for a loan.

Some of the benefits of car finance via Oxcel Finance

Anytime, Anywhere, Anyhow

Our team is serving no matter where you are in Australia, we are 100% online & paperless.

Financial Flexibility

Our lenders have a wide range of options that give you flexibility including early termination fees, variable loan terms and the ability to add a residual.

Lifetime Support

Don’t get left alone to figure out how much you owe, changing your details, or assessing your changeover options; we’re here for you over the life of your loan.

Common questions about boat loans

How we make money out of your deal?

We do not charge clients but get paid brokerage & commission by the lenders where different lenders pay us differently & brokerage is included into the loan amount.
The commission doesn’t impact your rate where some lenders offer us Volume Based Incentives (VBI) for writing above a certain amount loan.

What is a boat loan?

A boat loan (which can be referred to as a secured loan if security is sought by the lender) involves a finance company lending you the money to purchase the asset and retaining security over it for the life of the loan. Boat loans can be arranged for both personal use (such as a consumer loan) or business use (such as a chattel mortgage).

What are the benefits of a boat loan?

By taking out a loan to finance your next boat you can reduce your overall cash outlay which you may want to use for other purposes (such as taking a holiday!). If you’re a business, a boat loan may improve your cash flow, as well as potentially allowing you to claim a tax deduction for the asset (check with your accountant for eligibility).

What are the common features of a boat loan?

Boat loans should allow you to set your term based on your needs, provide a fixed repayment schedule, allow for a residual (or balloon) as well as offer you the ability to repay your loan early depending on the lender.