Home - Boat Loans

Boat Loans

Set Sail on Your New Boat With

Responsive Lending

Loans from $5,000 to $200,000

Rates from 5.89%* APR

Get my Quote

Getting a quote from us is cost and obligation free.

* Subject to suitability, affordability and verification

Am l Eligible to Apply?

To be eligible the following criteria applies:

Earning at least $450 per week;
You are over the age of 18;
You are currently employed, self employed or on an eligible pension;
You are an Australian citizen, or a permanent resident of Australia or New Zealand;
If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
You maintain an Australian residential address

NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Boat Loans

Get my Quote

Loans from $5,000 to $200,000*

Rates from 5.89%* APR

If you're dreaming of owning a boat but need a bit of help with your finance, Responsive Lending can help*. We don't have any buried treasure, but can help your nautical dream come true. Let us help you navigate the seas of financing so you can set sail on your very own vessel!

We're independent and proud of it.

Getting a quote with us is cost and obligation free.

* Subject to verification, affordability & suitability

Am l Eligible to Apply?

To be eligible the following criteria applies:

Earning at least $450 per week;
You are over the age of 18;
You are currently employed, self employed or on an eligible pension;
You are an Australian citizen, or a permanent resident of Australia or New Zealand;
If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
You maintain an Australian residential address

NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Why a Responsive Lending Boat Loan?

40+ Lenders

We have over 40 lenders on our panel who we work with to match you with a lender that will get you the best loan interest rate for your circumstances.

Great Low Rates

Our rates start from 5.89% and with our large lending panel, we're able to find the best loan rate for you!

Fast Approvals

Our brokers work tirelessly to get your loan settled in less than 5 days.

Paperless Application

Our application process can be done completely online. Upload and sign your documents directly from your phone or computer.

Soft Credit Touch

Requesting a quote with us does NOT affect your credit score or leave an enquiry.

Personalised Service

Our team of finance brokers are all Aussie based and work with you until your loan settles.

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Boat Loan Repayment Calculator

See What Our Customers Think

3 Steps to Your New Boat Loan

Step 1

Use our online application form to apply for your boat loan in under 3 minutes! The application form will ask you questions like what type of vehicle you are after, where you live and what your income source(s) is.

Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3

Once you're pre-approved, it's time to find your boat! You choose where you get it from!

Get my Quote

3 Steps to Your New Boat Loan

Step 1

Use our online application form to apply for your boat loan in under 3 minutes! the application form will ask you questions like, what type of vehicle you're after, where you live and your income source(s).

Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3

Once you're pre-approved, it's time to find a boat! You choose where you get it from!

Get my Quote

Frequently Asked Questions

What does Credit History mean?

Excellent = 800 - 1,000 credit score with no defaults

Very Good = 800 -899 credit score with no defaults

Average = 500 - 799 credit score with 1 utility default

Poor = 200 - 499 credit score with 2 or more defaults or ex bankrupt or Part IX

* These examples are provided as a guide only. Each situation is different and a credit score is only one part of the assessment puzzle. Being specialists in our field, we pride ourselves on trying to help as many people as we can, no matter what their circumstances are.

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What do your interest rates start at?

Our boat loan interest rates vary depending on your credit history, credit score, assets and liabilities. Our rates start as low as 5.99%, subject to the specified criteria above.

What documents do l need to apply?

Our application process is quick and simple. You will just need to have the following documents ready to upload to your broker:

Current drivers licence (back and front pic)
Two recent payslips
Last 90 days bank statement and if on Centrelink, a Centrelink Income Statement
If Visa holder, we require your current Australian Residency Identification (VEVO) check

Do you perform credit checks on all applications?

No, we don't perform credit checks on all applications.

In fact, our "soft" credit checks don't even leave an enquiry on your file!

We perform these "soft" credit checks so we can gather enough information to be able to direct your application to the lender/s we think will be suitable for your financial position.

If your application is then submitted to a lender, the lender will more than likely perform a hard credit check. This WILL leave an enquiry on your file. Just know that, we will not submit your application to a lender unless we have discussed it with you and you have agreed to it.

Why are your rates cheaper than the big banks?

As a finance broker, we put a large volume of applications to lenders. Because of this, lenders offer our group wholesale interest rates. It's like shopping at Costco, without the need to buy 400 packets of pasta.

We also get the benefit of being completely independent from the finance companies. This allows us to shop around from multiple lenders to get the best deal. Lenders often fluctuate their interest rates based on the amount of capital they have available to lend, so in respect we can often negotiate great deals with cashed up lenders.

Can l finance a private sale?

Yes, we can finance private sale cars.

When you've put through your application, just let us know that you're looking to finance a car from a private seller and we can ensure that we only use lenders that will help.

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Boat Loans

Boat Loans

Why a Responsive Lending Boat Loan?

40+ Lenders

Great Low Rates

Fast Approvals

Paperless Application

Soft Credit Touch

Personalised Service

Boat Loan Repayment Calculator

Boat Loan Repayment Calculator

See What Our Customers Think

3 Steps to Your New Boat Loan

Step 1

Step 2

Step 3

3 Steps to Your New Boat Loan

Step 1

Step 2

Step 3

​​Frequently Asked Questions

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Frequently Asked Questions