Boat Finance Australia | Credit One Low Rate Boat Loans

Credit One

We Finance Dreams!

Join thousands of happy customers who’ve financed through Credit One and discover just how easy it is to own the boat you’ve been dreaming about.

More than 3000
5-Star Google Reviews

See why Credit One has become one of the most trusted, and preferred brokers in Australia.

Craig N

1 review

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1 year ago

I used Karlene Alden and team for the financing of my boat. Karlene was a pleasure to deal with and nothing she had to do....and put up with was too hard for her. Even the hassles of getting my statements from my bank she was on top of it and provided the solutions needed to get me what I needed. Thank you Karlene I highly recomend her for your financing needs.

Cameron W

1 review

• 0 photos

1 year ago

Super easy very helpful and a effortless experience, thank you Alan for your help on the purchase of my wake boat I couldn't be happier.

Tarrant L

1 review

• 0 photos

1 year ago

Josh couldn't do enough to help us get our dream boat. With below minimal staff due to COVID Josh and his team were able to successfully help us within a short timeframe. Would definitely recommend Josh and his team to anyone :)

Steve A.

1 review

• 0 photos

5 years ago

I dealt with Josh for the second largest purchase of my life after my house, he was a pleasure to deal with, very knowledgeable and went above and beyond, josh organised everything from dealing with the seller to arranging my paperwork, I am now the proud owner of a 2019 performance boat, thanks again Josh , with staff like you credit one is in good hands.

Kel M.

4 reviews

• 0 photos

3 years ago

Dealing with Alan Wat was an absolute pleasure. Alan was professional and friendly. He took the stress away from applying for finance. Left us with a smile on our face to enjoy our new boat. Thanks Alan.

Anthony S.

1 review

• 0 photos

1 year ago

A big thanks to Alan from Credit One. The experience we had in purchasing our new boat was made easy by the great communication and the hard work done by Alan.

Jake H.

6 reviews

• 0 photos

6 years ago

I have used credit one for many years and many times for business equipment and boat finance, investment propertys and my new boat . The service is personalized and very prompt. It doesnt matter who you deal with everybody is always available when you need something . They have always found me the best deal and provided excellent meaningful advice. Whenever i need financial advice or funds i call Michael. He is genuine and will speak the truth in easy to understand terms unlike most people in the business . I cant recommend them enough.

Australia's best rated boat finance broker

Australia's Best Reviewed* Boat Finance

Easy Applications with Fast Approvals

Need boat finance fast? Credit One makes it simple with a quick 60-second quote and same-day approvals. Our online application is obligation-free and hassle-free, getting you on the water sooner.

Flexible Boat Finance Options

Finding the right boat loan is easy with Credit One. Our finance specialists assess your needs and compare options from a wide range of lenders to secure a solution tailored to your business or personal circumstances.

Competitive Rates with Low Fees

We offer finance packages with low establishment fees, no ongoing charges, and competitive interest rates. Whether you're financing a single boat or an entire fleet, we can structure a loan that suits your cash flow and budget.

Recognised for Outstanding Service

As an award-winning finance broker, we provide independent advice to help you secure the best loan for your needs. That’s why Credit One has been recognised as ‘Broker of the Year’ for three consecutive years.

Specialists in Boat Finance

Our dedicated boat finance consultants are available seven days a week to assist with your application. Call us today on 1300 087 087 or request a callback to explore your finance options.

Access to Leading Lenders

With connections to over 40 trusted Australian lenders, including major banks and specialist finance providers, we can connect you with lenders not available directly to the public.

Frequently Asked Questions

Can I get a loan for a used boat?

Yes, we can help you finance a new or used boat from a dealer or private seller. Whether it’s a second-hand cruiser or a pre-loved fishing vessel, we’ll work with you to structure a loan amount and monthly repayments that suit your financial situation and get you on the water sooner.

What types of boats can you finance?

We offer finance for all kinds of watercraft, from jet skis and bowriders to offshore cruisers, yachts, and even houseboats. Whether you're upgrading to your dream boat or just starting out, we’ll help you find the right finance solution.

How long does approval take?

You can often receive conditional approval within just a few hours. Full approval generally takes 1-2 business days, depending on the lender, your credit score, and how quickly you can provide the required documents.

Can I get boat finance if I’m self-employed?

Yes, absolutely. We specialise in helping self-employed applicants access flexible boat loan options. If you don’t have traditional payslips, we can look at low doc and unsecured loans that suit your income style.

How are repayments made?

Most boat loans are repaid through direct debit. You can choose to make repayments weekly, fortnightly or monthly, whatever works best for your cash flow and budget.

Is it better to finance a boat or pay cash?

Financing can be a smart way to preserve your savings, access a higher-quality vessel, and manage your purchase in smaller monthly repayments. Plus, a well-managed loan can help you build or strengthen your credit history over time.

Can I make extra repayments or pay off the loan early?

Yes, many of the lenders we work with allow additional repayments and early payout without penalty. If paying your loan off faster is important to you, let us know and we’ll find the best loan to match your goals.

Are unsecured loans available for boats?

Yes, in certain cases. While most boat loans are secured (using the boat as collateral), we can also explore unsecured loans and personal loans depending on your credit score and the type of boat you’re purchasing.

How can I estimate my loan repayments before applying?

Our boat finance calculator is a great tool to help you plan. Just enter your estimated loan amount, interest rate, and loan term to get an idea of your monthly repayments. Once you’re ready, we can personalise your rate with a quick quote.