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...

$*

Our customers & people

Hello
"Excellent service. Ian from 360 Finance was great to deal with and we were kept in the loop at all times. No problem recommending 360 to anyone."
Gary M, Brogo, NSW
Hello
"One word - Excellence! Big thanks to Leanne for her outstanding effort in helping me get my new car. She went out of her way to answer all my silly questions in easy Laymens terms!"
Warren H, Queensland
Hello
"Living life upgraded. Second purchase with 360 Finance!"
Sue G, Queensland
Hello
"So in love with my new car thanks to John at 360 Finance. I'm so happy with my Honda Civic RS Turbo. 360 Finance were great and totally recommend them. So a big thank you again."
April G, Queensland
Hello
"Thank you 360 Finance for all your help. Finance has allowed my family to buy a brand new family caravan to travel this amazing country. #lifeupgraded "
Craig P, Queensland
Hello
"Thank you 360 Finance for another successful purchase with low interest and fantastic service!!!!"
Michelle W, Queensland
Hello
"New Car! Toyota Prado. Life Upgraded!"
Emilie D., New South Wales
Hello
"Here’s a pic of my new ride all washed up - I had a blast on my new stead. Thanks Leanne and 360."
Nathan S, Victoria
Hello
"Thanks 360! I was blown away by the low rate finance and insurance I got compared to what I could find myself."
Karyn E, Northern Territory
Hello
"The kids are loving their new Taxi! Cheers Kyle and 360 Finance."
Lauren M, New South Wales
Hello
"We can’t wait for adventures in our new camper van, making memories with our two beautiful girls. Thanks 360!"
Skye C, South Australia
Hello
"Kim at 360 got me my Ute, Jetski and now a Mustang! She is a champ at her job and was very helpful. "
Chris R, Queensland
Hello
"Thank you Kevin at 360 for assisting us with our new car finance. Fast and easily approved."
Rhea P, South Australia

Useful articles

Top 10 caravan gadgets and upgrades

With international trips on hold for a while, there has never been a better time to explore our backyard  Australia is well known for... Read More.
What is a car loan comparison rate?

There can be numerous rates involved with a car loan, and it’s important to know what each of them cover, to ensure you can get the... Read More.
Calculating your car loan repayments

360 Finance Calculating your car loan repayments For those who don’t have the necessary finances to buy a car outright, car... Read More.
How to get the best interest rate for car finance

With any type of financing, you want to ensure you get the best possible deal Finding a car loan with a lower interest rate is no... Read More.
How to get a personal loan if I have a bad credit score

If you’ve missed payments on your credit card, bills, mortgage or any other type of debt, you may have a bad credit score  A... Read More.
Understanding your car loan repayments

Car loans are a great option for those wanting to buy a vehicle but unable to afford one without financial assistance  Applying for a... Read More.
Instant asset write-off

The recently released Federal Budget has provided much-needed relief to Australian businesses with an extension to the Instant Asset Write Off Scheme As revealed... Read More.
Financial ABC’s of Coping with COVID-19

360 Finance is committed to being the finance & insurance specialists you know and trust  We’ve been there for our customers through some of... Read More.
Our Women

What does International Women’s Day mean to you? For some, it means celebrating the achievements of women and the progress that has been made to reduce... Read More.
Your Roadmap to Financial Freedom

Imagine living how you want to without worrying about the financial expense Imagine having enough money to fund the lifestyle you desire Imagine being able to live... Read More.
How to Achieve Your Financial Goals This New Year

The start of the new year is relished by most of us because it’s the perfect opportunity to set some New Year’s Resolutions It’s the time to... Read More.
5 Steps To Take Before Applying For Finance

Taking out a loan for a car can seem like a daunting task You’re probably wondering what steps to take before applying for finance, so that you can purchase ... Read More.
The Not So Grey Nomads

ARE CARAVAN AND CAMPING HOLIDAYS STILL A PASTIME RESERVED FOR THE GREY NOMADS? New research has brought light to the misconception that camping and caravan holidays ... Read More.
6 Must Do Motorbike Road Trips in Australia

From coastal adventures to mountain road journeys that cut through the heart of Australia A road trip is one of the best ways to experience this country’s extraordinary array ... Read More.
Australia’s Top 10 Selling Cars in 2019

The vehicle landscape in Australia has seen a significant shift in buying habits over the last 12 months, most notably with SUV sales continuing to overtake passenger ... Read More.
Top Tips for Buying a Boat

Looking to buy your first boat?  Are you a boat enthusiast, water sport nut or something in between?  Then check out our top tips for buying a boat and ... Read More.
$30,000 Instant Asset Write-off

Please note that the information in this article is not current  To view the most up to date information on the Instant Asset Write-off, please visit this link  ... Read More.
Tips for getting an EOFY bargain

If you want to take advantage of the End of Financial Year bargains, then June is the ideal time as dealerships need to move as much stock as they ... Read More.
2020 Outdoor & Leisure Calendar

If you are looking to make the most of the great Australian Outdoors, then we have THE list of outdoor events and expos near you to provide plenty of ... Read More.
Easter & ANZAC Day Hours

Easter weekend is nearly upon us and this year it is closely followed by ANZAC day!  Oh and it is School Holidays also! If you are planning to getaway for ... Read More.

Some of our lenders and insurers: