Set Sail with Marine & Jet Ski Finance

From fishing boats to luxury yachts and jet skis, we can help you secure finance that gets you on the water sooner. Choose from flexible repayment options and a wide range of lenders, so you can spend less time worrying about the numbers and more time enjoying the waves.

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No impact on credit score

45+ Lenders Australia Wide

Obligation-Free Quotes

Why Finance Your Marine Adventure with Finance Barn?

Quick, Streamlined Approvals

Our network of lenders helps fast-track your application so you can be on the water sooner.

Funding for All Watercraft

From high-end yachts to jet skis, we can help you secure finance for almost any type of vessel.

Dealer or Private Sale Options

Whether you’re purchasing through a dealership or a private listing, we can help make it happen.

Repayment Terms to Suit You

Choose from flexible loan terms, from 1 to 7 years, tailored to your budget and plans.

How Marine Finance Works at Finance Barn

We look at your income, credit profile, and the type of boat or watercraft you’re buying. Then we match you with lenders offering competitive terms to suit your needs. Whether you’re upgrading to a luxury yacht or picking up a weekend jet ski, we can help make it happen.

What You’ll Get with Finance Barn

Loan sizes from $5,000 to $1M+

Competitive rates with access to a wide panel of lenders

Pre-approvals available

No early repayment penalties with select lenders

Balloon or residual payment options available

Discounted rates for property owners

Am I Eligible for Boat or Jet Ski Finance?

Whether you’re buying your first vessel or upgrading to something bigger, we work with a wide range of situations. You may qualify if you:

Consistent income (employed, self-employed, or contractor)

Acceptable credit score or improving history (We work with bad credit too)

Hold valid Australian ID and meet residency requirements

Have a manageable debt-to-income ratio

Can comfortably manage your repayments without stretching your budget

What Affects Your Marine Loan Rate?

Your rate is based on a few key factors that lenders consider when assessing your application. Every lender has their own criteria, but these are some of the most common things that can influence your offer.

Credit History

A strong history score can help you access more competitive rates.

Vessel Type and Age

Newer boats and jet skis often qualify for better terms compared to older models.

Loan Term

Shorter loan terms can reduce the total interest paid, while longer terms may offer smaller repayments.

Income and Stability

Regular, verifiable income gives lenders confidence in your ability to meet repayments.

Property Ownership Status

Owning a property or having an existing mortgage can sometimes unlock better rates with certain lenders.

How Much Can I Borrow for a Boat or Jet Ski?

Your borrowing amount will depend on factors like your income, the type of vessel, and your credit profile. At Finance Barn, we work with a wide panel of lenders to help you find a competitive option and set up repayments that fit comfortably with your lifestyle.

When Marine Finance Makes Sense

Instead of paying upfront or dipping into your savings, finance lets you enjoy your boating lifestyle sooner while keeping your cash flow intact. With Finance Barn, you can benefit from: