Boats & Jetski Finance

Boat finance for smooth sailing

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Personal service & competitive rates.

The best possible boating experience starts with flexible and affordable finance. By tapping into our network of top lenders, we’ll help you navigate no deposit options, balloon payments and the benefits of seven-year terms, so you arrive at a repayment schedule that’s built to your expectations.

To get started, use our helpful loan calculator or get a quote today. We can also help you find the right insurance solution to protect your new asset. If you’re buying or financing a boat for the first time, or just want a refresher on the key things to consider before you make that commitment, we’ve put together a boat finance 101 guide to help you get started.

Your boat finance options

Consumer loan Personal loanChattel Mortgage

Boat Finance

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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

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).

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).

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.

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