1300 361 360

Let us find you a low rate, flexible boat loan today!

If you’re looking to buy your dream boat, getting the right finance can help you get there much sooner.

Boat financing allows you to pay off a loan in regular instalments, whether weekly, fortnightly or monthly, during a set loan term and paying interest on the total loan amount.

Interest rates and loan terms for each boat loan will vary depending on the lender, the loan amount, your credit score and income, and whether the loan is secured or unsecured. Boat loans can be arranged for boats purchased for both personal and professional use.

Since 2007, we have been helping our customers upgrade their lives by getting into their dream boat with low rate boat finance.

If you’re considering boat financing, 360 Finance can help you with:

  • Low total cost low and low repayments
  • No deposit boat loans available
  • Private, dealer, new and used boats
  • Balloon repayments available to lower repayments

Whether you are looking to purchase your first fishing boat, looking for a wakeboarding boat, or upgrading to a yacht, we can find your best rate boat finance solution from our panel of over 20 leading Australian bank and non-bank lenders. If you can’t afford to buy a boat outright, marine finance may be the best option for you to buy your dream boat and get out on the water as soon as possible.

Use our boat loan calculator to calculate how much you may be able to borrow. This can also provide you with an estimate of what your repayments may be depending on the amount you borrow and the loan term.

For those considering marine finance, don’t forget to also get insurance for your new boat! Find out more about boat insurance here.

Boat Finance options

Lower rates • Higher borrowing limits • 1-7 year terms

A Secured Boat Loan is finance provided for the specific purpose of purchasing a new, near new or used boat. Secured Loans offer the most competitive rates and repayments compared to other loan types by using the boat as security for the loan. With the boat as security, our panel of lenders can offer you lower interest rates as their risk is lowered in the unlikely event of default of the loan. A Secured Loan is a great option is you are wanting to buy a boat within a set monthly repayment budget.

Speak to one of our Finance Specialists to determine the most suitable loan option for you.

Greater Flexibility • Ideal for older boats • 1-5 year terms

An Unsecured Boat Loan is finance that can be provided to purchase a new, near new or used boat without the boat being held as security in the unlikely event of payment default. Also known as a Personal Loan, Unsecured Loans offer a greater level of flexibility than other loan types, however as the lenders risk is slightly higher by not having any security over the loan, interest rates offered can be a little higher. An Unsecured Loan is ideal for purchasing older, niche or unique boats or if you simply want the freedom to sell your boat down the track without impacting on your finance arrangements.

Speak to one of our Finance Specialists to determine the most suitable loan option for you.

Lowest rates • Tax effective • Low Doc • 1-7 year terms

A Business Boat Loan or Commercial loan is finance provided for the specific purpose of purchasing a boat for business purposes. Commercial loans offer some of the most competitive rates and repayments compared to other loan types and can provide a tax advantage and allow you to claim GST and depreciation. A Commercial Loan is a great option for any sized business with flexible repayment terms to suit business cashflow or accounting structures.

Speak to one of our Commercial Finance Specialists to determine the most suitable loan option for you.

Competitive
We access some of the lowest industry boat loan rates allowing us to be highly competitive and find your best rate boat finance.
Easy
We do the running around for you in comparing boat finance options and boat loan rates from over 20 lenders.
Fast approvals
We work hard to get your boat loan approved fast. Same day approvals are available - ask us how!
Flexible terms
We find and compare the boat loan options that suits your needs and budget with flexible 1-7 year terms available.

Calculators

Calculators and rates

At today's lowest boat finance rate of 5.74%
(Comparison rate 6.66%) you'll pay approximately...

$ per *

At today's lowest boat finance rate of 5.74%
(Comparison rate 6.66%) you can borrow approximately...

$*

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