Boat Finance
Finance More Time on the Water
The early launch. The reef trip. Fishing with mates. An afternoon exploring with the family. A boat that comes with you on the bigger trip.
Whether you are still comparing boats or you have already found exactly what you want, Adventure Finance can help you get the finance moving.
Get pre-approved before you commit too far, or if the boat is already chosen, apply now and move straight into the finance process.
Still comparing? Know what you can work with. Ready to buy? Let’s get moving.
Finance for New, Used and Eligible Private-Sale Boats
The right boat may be new from a dealer, used through a business or an eligible private-sale option that better fits the way you want to use it.
- New boat
- Dealer documentation, purchase price, deposit and standard lender verification.
- Eligible private-sale boat
- Seller, ownership and boat verification, purchase documentation and lender acceptance of the private-sale structure.
The available pathway can vary with boat age, value, seller type, package inclusions, customer circumstances and lender criteria.
Boat and Trailer Packages
Many boat purchases are sold as a package rather than as the hull alone.
Depending on the finance structure and lender criteria, eligible package components may be considered together. That can include the boat, trailer and selected fitted or documented equipment.
The treatment of electronics, accessories, removable equipment and other inclusions can vary between lenders and finance arrangements. Adventure Finance can review the proposed package and explain what may be considered.
The Boat Can Be the Adventure - Or Part of It
For some customers, the boat is the main event: an early start, a run offshore, a day chasing fish or an afternoon on the water with family and friends.
For others, the boat is part of a broader adventure setup - something that travels with the tow vehicle, caravan or camper so fishing and exploring become part of the trip around Australia.
The right boat may be a simple local fishing boat, a family recreational setup, a coastal day boat or a weekender suited to short overnight trips.
Adventure Finance starts with where you are now and helps you work through the finance from there.
Still Comparing Boats?
Get Pre-Approved Before You Commit
Boat prices are easy to compare online, but the final purchase can involve more than the advertised hull price once the trailer and documented package inclusions are considered.
Conditional pre-approval can help you understand the potential finance range you may be working with before you become too committed to a particular boat, dealer finance pathway or seller.
That can give you more clarity before you:
- pay a significant deposit
- commit to a boat outside the range you want to work within
- accept a dealer finance referral without comparing alternatives
- finalise a broader tow-vehicle or touring setup around the purchase
- automatically return to your bank without understanding the other pathways available
Already Found the Boat You Want?
Same-Day Approval
If the boat is already chosen and you are ready to move, you do not need to stay in the planning pathway.
Read more
Adventure Finance can move straight into the application process and work to get your finance approved the same day.
Boat chosen. Price agreed. Ready to get on the water. Let’s get the finance moving.
Build the Broader Budget
Adventure Build Budget Calculator
If the boat is part of a wider adventure setup, use the Adventure Build Budget Calculator to bring the major project costs together and estimate the amount you may need to finance.
Estimated Total Adventure Build$85,000
Indicative amount to finance$75,000
Indicative repayment$358per week
This calculator is a planning tool and provides estimates only.
Open the full build budget calculator
The Boat May Be Part of a Bigger Adventure Setup
For some customers, the boat fits into a much wider plan.
You may also be thinking about a tow vehicle, caravan or camper, vehicle upgrades, storage or the broader budget needed to make the whole adventure work.
Adventure Finance can help you look at the finance side of the broader project and work through the sequence of purchases where relevant.
Different parts of the setup may require separate finance structures, but it can still be useful to look at the wider household position before major commitments are made.
Supporting commercial links:
Interest Rates, Finance Terms and Deposits
The final finance structure is influenced by more than the purchase price.
The interest rate can be affected by the customer, lender, finance structure and broader credit profile. The finance term can affect repayment size and total amount repaid, while a deposit or trade-in can change the amount being financed.
Adventure Finance can help explain the options that apply to the boat and finance pathway you are considering.
How Boat Finance Works
Whether you are starting with an idea or arriving with the boat already chosen, the finance journey can begin wherever you are.
See How It WorksDream It - Or Know Exactly What You Want
You may still be comparing boats and imagining how you want to use one, or you may already have the exact setup picked out.
Build the Plan - Or Confirm the Numbers
If you are still comparing, work with an approximate budget and the broader boating setup. If the boat is chosen, work from the actual purchase price and package details you already have.
Get Pre-Approved - Or Apply Now
Still comparing? Explore a potential finance range before the big commitment. Ready to buy? Move straight into the application pathway.
Lock It In
Confirm the boat, dealer or seller, purchase price, trailer and any eligible documented package inclusions.
Make It Happen
Adventure Finance can help progress the application, verification and lender requirements toward final approval and settlement.
Live the Adventure
Hook it up. Launch early. Chase the fish. Explore the coast. Take the family out. Stay out a little longer. Then use the boat for exactly the reason you wanted it in the first place.
Why Adventure Finance for Boat Finance?
Finance Your Adventure.We Understand Why You Want the Boat
The boat is often about creating more weekends on the water, more fishing trips, more family time and another way to explore the places you travel to.
We Can Start Early
You can bring finance into the conversation while you are still comparing boats, dealers and private-sale options.
We Can Move Quickly When You Are Ready
If the boat is chosen and you are ready to proceed, Same-Day Approval gives you a clear pathway to move now.
We Can Look at the Broader Setup
Where relevant, the finance conversation can also consider the tow vehicle, caravan or camper and the wider project budget.
We Can Explore Different Lender Pathways
Different lenders have different boat-age limits, private-sale policies, assessment requirements and finance structures. Adventure Finance can explore the pathways that fit you and what you are looking to finance.
Page FAQs
Can I get pre-approved before choosing the exact boat?
Yes. A conditional pre-approval may help you understand a potential finance range while you are still comparing boats.
Can I finance a new or used boat?
Yes. Finance options may be available for eligible new and used boats. Boat age, value, seller type and lender requirements can affect the available options.
Can I finance a fishing boat?
Yes. Adventure Finance can explore eligible finance options for fishing boats used for coastal trips, reef fishing, family recreation and short overnight adventures.
Can I finance an eligible private-sale boat?
Yes. Eligible private-sale boats can be financed with lenders that accept this type of purchase. Additional verification, ownership checks and purchase documentation may apply.
Can the trailer be included with the boat finance?
Yes. The available structure depends on the boat package, finance structure and lender requirements.
Can fitted electronics or equipment be included?
Yes. The treatment of electronics, navigation, communications and other fitted equipment varies between lenders and finance arrangements.
Do I need a deposit?
Deposit requirements can vary depending on the customer, boat, purchase price and lender.
Do I need the exact boat before making an enquiry?
No. You can start the finance conversation while you are still researching and comparing options.
Can Adventure Finance help if I also need a tow vehicle?
Yes. Adventure Finance can help you explore the wider finance project. The boat and vehicle may require separate or different finance structures.
Built for Adventure
Planning the Boating Setup as Well as the Finance?
Explore Built for Adventure
If you are researching fishing boats, day boats, short overnight setups, electronics, towing, touring with a smaller boat or the practical side of getting more time on the water, Built for Adventure is the place to go deeper.
Adventure Finance helps with the finance. Built for Adventure helps with the adventure content.
Explore Built for Adventure
More Time on the Water Could Be Closer Than You Think
The early launch. The reef trip. The afternoon with the family. The fishing weekend. The little boat that becomes part of the big trip.
If you are still comparing boats, get pre-approved and understand the potential finance range before the big commitments are made.
If the boat is chosen and you are ready to move, apply now and let’s get the finance moving.
Finance Your Adventure.