1300 273 348

Enquire Now

Getting a quote won't affect your credit score.

Choose Australia's Boat Finance.

Choose Credit One.

What Our Customers Say ...

We know that customers are at the centre of our business. That is why everything we do, we do for our customers. See why Credit One has become one of the most trusted and preferred brokers in Australia.

My name is Geoff. I went through Credit One, a third choice as other finance companies, in Melbourne I might add, was so disengaged and just couldn't be bothered with the difficult task I needed. So I give Credit One a chance, it started as, oh, I'm not sure about this? but as we progressed it started to become more tangible? Then the lady I was dealing with, Emma, stepped up to the plate, and went way and beyond the line of duty.
My finance was very difficult indeed to achieve, and I knew that! Emma nailed it, and Alan the manager, was extremely helpful as well! I have to say in the end, I can't fault them.
I don't usually give my opinions to anybody in writing, but these individuals deserver praise. They kept me informed of everything that was happening, and WOW, there was a lot that happened! and it took such a long time to complete, and such a big headache it was!
I will give them 10 out of 10, as I was extremely impressed! Great job, your company should be proud to have such dedicated staff!

Geoff McClelland

Emma Johnson from Credit One was super helpful and quick to help me get approved for a loan. She’s was very informative and helped answer all the questions I had. Emma is lovely and professional and fantastic customer service. Highly recommend her!

Courtney Renee

Shaylah was extremely kind and energetic the whole process of getting the loan and willing to do what it took to get the loan done quickly and with consideration to my needs. Was fantastic to work with and 100% would suggest going through this company.

Iachlan Earley

Highly recommend Alan to help with all your loan needs. We have used many brokers over the years and we can confidently say that Alan has been by the far the best. Knowledgeable, no fuss, professional and efficient - we would and will continue to use Credit One in the future.

Katie Andrews

Have found my new go to for finance. A very professional team who are very supportive in all step required. Nothing was too complicated and always kept in touch with the process.

Trace Saunders

Jenny Youl was so good to us, she made things so easy with the paper work and she kept us notified with everything. I think we may have been her longest clients with COVID going on. Thanks Jen.

Amanda Schuman

I’ve dealt with Shaun & Andy for 2 settlements this year and cannot fault the professional service and response time these gents supply. Along with these top quality attributes they also have extremely competitive rates. 5 stars.

Mitch Harris

Brett Murphy was such a great help and found me the best possible loan that suits me! I definitely recommend using him for all your loan needs! Will be recommending all my family and friends. Thanks again Brett!

Joel Sandry

I have dealt with Michael a few times now and each time he delivers with fast reliable service. He keeps in touch and knows what he is doing. I would highly recommend him to anyone looking for finance.

Scott Taylor

Brooke S was an absolute superstar! Nothing was too much trouble, more than happy to go above and beyond expectations and made the whole process simple, pleasant and easy. Highly recommend Credit One to anyone.

Merita Hammond

Credit One Boat Finance

Choose Australia’s Best Rated Boat Finance. Choose Credit One.

Why Credit One Boat Finance?

Credit One is Australia’s best-rated boat finance brokerage, with over 1000 five-star Google reviews. When you apply through us, you will be able to speak with a boat finance specialist who can guide you through the application process from start to finish. Credit One puts you, your boat, and your needs first, ensuring that you’re matched with the finance options to get you out on the water, sooner.

When you apply through a bank or dealership, you only have access to a very limited number of finance products. But at Credit One, we are proud of our relationships with an extensive panel of Australia’s top lenders. We can find you a marine finance solution best suited to your circumstances and requirements.

Whether it’s for business or personal use, we will find you the best deal on your boat finance. Out boat brokers don’t take a one-size-fits-all approach; each boat finance option that we present to you will be tailored to suit your financial circumstances and objectives.

Our brokers have in-depth knowledge of each lender and their policies, and they will draw on this knowledge to make the application process as smooth as possible for you.

New And Used Boat Finance

Credit One offers finance for both new and used boats. Boats can be purchased either through a dealership or private sale. Lenders may have some conditions on used boats, and private sales, plus a used boat, will generally attract a higher rate than buying new. 

Learn More About Used Boat Finance

Jet Ski Finance

At Credit One, it’s not just boat loans that we help customers secure. We help secure all types of marine leisure vehicle financing. Maybe you’re looking to finance a jet ski? Jet skis are extremely popular in Australia’s coastal cities. Our financing solutions can cover jet ski purchases, with secured loans available as well as unsecured personal loans.

Jet Ski Finance Information

Applying for Boat Financing

The best thing about Credit One’s boat financing is that you can begin your application in less than 60 seconds with a no-obligation enquiry. Simply enter your details in the form at the top of this page to get started.

Once you have completed the form, you will receive a confirmation email, and we will contact you to discuss your application and how you can go about financing for a boat. 

You can also begin an application for pre-approval on boat finance by completing the same form. With pre-approved boat finance, you can shop confidently with a pre-defined budget, knowing what you can afford to spend.

Calculating Repayments

Wondering how much to budget for repayments on your boat loan? You can quickly get an estimate on your repayments using our boat loan calculator. To calculate your repayments, you will need to enter the interest rate, loan amount and loan term.

For a more accurate repayment figure, we recommend speaking to a Credit One finance specialist, who can gather more details about your personal circumstances.

Calculate Your Repayments Here 

What We Offer

Secured Boat Loans

With a secured boat loan, the asset you finance is used as security by the lender. A secured boat loan is our most popular option for boat finance.

Commercial Hire Purchase

Under a Commercial Hire Purchase, the customer agrees to hire the asset from the lender over a fixed period.

Boat Chattel Mortgage

A chattel mortgage is a type of commercial boat finance, where the business takes ownership of the asset, and the asset is used as security by the lender.

Frequently Asked Questions

How long does it take to secure boat finance?

Credit One are Australia’s boat finance specialists. We pride ourselves on providing the fastest possible service whilst still offering the competitive products that have made Credit One an award-winning broker. Our premium, low-rate boat loan approvals can be arranged quite often on the same day. However, the time it takes to secure your boat loan from one of our partnered lenders will depend on your unique financial circumstances and objectives. For the most accurate timeframe, get in contact with a member of our friendly staff today. 

Can I get boat financing for a private sale?

Going to one of the big banks or another lender and applying for a loan for a purchase from a private vendor will often result in resounding denial. However, with Credit One, we boast access to a more diverse range of lenders that we negotiate with on your behalf to secure you a boat loan from a private sale. No matter the selling circumstances with which you want to purchase a boat, we’ll do our best to secure the solution from one of our financiers and receive our comprehensive brokerage service.

What do I need to provide to secure financing for a boat?

What we’ll need from you comes down to the nature of the loan you are looking to secure through one of our lenders. For business boat loans in Australia, you will need to supply your Australian Business Number (ABN), plus other relevant financial statements, including a balance sheet, a profit and loss statement, and tax return statements dated from the past two years. 

Personal boat loans require a little less complexity. Starting by signing the privacy forms that will be sent to you as part of your application. Then, you will need to provide your broker with relevant information to provide your financial capabilities, like your pay slip, bank statements, driver’s license as well as applicable rates, or rental information. 

Is it better to buy a boat outright, or finance one?

The decision to purchase your next boat outright or apply for a boat loan is entirely up to you. Which is the better option for you will come down to your unique financial circumstances and objectives. Financing for a boat has numerous benefits over purchasing one outright. Some of the main reasons Credit One Customers decide to finance their boat include: 

  1. Once you start completing payments on time, you will build your credit history, which will help you get more significant loans in the future at a lower rate. 
  2. When you choose to finance your boat, you will have access to your money when you need it, rather than all your available cash being tied up in the boat at once had you purchased it outright. 
  3. Financing a boat allows you to get out on the water immediately. You won’t need to put money away for years to save and purchase the boat, and you can instead use that money over time to fund the repayments. 
  4. You can also consolidate multiple loans into a single loan paid monthly. This means you will only need to consider one payment. 

Why Choose Us

Document icon

We compare your financial needs with all of the lenders on our extensive panel to find the best option for you and your individual circumstances.

Document icon

We have established relationships with over 40 of Australia's most trusted lenders, including major banks and lenders not available directly to the general public.

Document icon

Our premium finance solutions incorporate low upfront establishment fees, no ongoing fees, bank-beating interest rates. We can tailor a finance package to suit your needs.

Document icon

Credit One offers as well as same day approvals using our simple, obligation-free .

Document icon

Our Finance Consultants are available 7 days a week for your convenience, give us a call today on or request a call back.

Document icon

We provide independent and unbiased service to get the best finance solution for you, that's why Credit One have been named "Broker of the Year" 3 years in a row.

Latest Boat News & Tips

Free Boat Buying E-Book

Step by step boat buying guide reveals everything you need to know about buying a boat in Australia. Enter your details below to download instantly.

E-Book cover

Keep in the loop with our latest videos!

Complete an Online Marine Finance Quote now, without obligation - or phone to talk with one of our Specialists.

Apply Now