Boat loans NZ – fast & flexible marine finance
Need a boat or jet ski? Real Finance’s marine loans get you on the water fast—no cash-flow squeeze.
Why choose a boat loan with Real Finance?
60-minute conditional approval
Complete our five-minute form and get an answer fast.
Use the vessel as security – or not
Pledge the boat (or another asset) for sharper pricing, or choose an unsecured boat loan for speed.
Fixed interest for certainty
Annual rates 9.95% – 39.95% p.a.; every repayment is locked in from day one.
Flexible loan & term
Borrow what you need, from a $2,000 dinghy motor to a $50,000 cabin cruiser * with terms up to 36 months.
100% online
Apply, upload documents and E-Sign on your phone, tablet or laptop. Funds can be in your account the same business day once approved.
What can a boat loan cover?
- New or used fishing boat, yacht, jet ski, trailer sailer or RIB
- Jet ski finance (stand-up or sit-down models)
- Engine repower, electronics, safety gear or trailer upgrade
- Mooring, registration, insurance shortfalls or survey costs
- Refits or cosmetic make-overs to keep your vessel seaworthy
Whether you’re stepping up in size, switching from petrol to electric, or equipping a charter operation, our boat finance solutions let you dive in now and repay over time.
Eligibility & required documents
- NZ driver licence or passport for each borrower
- Three months’ bank statements (PDF or CSV)
- Proof of income – recent payslips or GST returns
- Purchase invoice or sale agreement (dealer or private)
- Proof of boat insurance once approved (for loans over $20,000 or when the vessel is security)
Having these ready speeds payout so you can splash your new craft sooner.
How much will it cost?
Use our boat loan calculator—enter loan amount and term, see the exact repayment (fees included). Pay extra or settle early anytime; only a $12 close-out fee.
Available loan amount
From $2,000 to $50,000
Terms
2 – 60 months
Repayments
Starting from $70 per week
Security options
Use the asset you already have or are purchasing
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Boat loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I had a special project that I would spend every weekend on. An old cutter that needed love and care, but I couldn’t afford to complete the project in any timely way. Real Finance helped by providing a loan up front, which I could then repay in affordable instalments.”
Frequently asked questions
Can I get a loan for a private-sale boat?
Yes. Provide the signed sale agreement and we’ll pay the seller directly once the loan is approved.
Do you finance jet skis and small inflatables?
Absolutely – minimum loan is $2,000, perfect for jet skis, dinghies or outboards.
Is a deposit required?
Not always. 100% boat finance is possible subject to credit and security.
What’s the largest unsecured boat loan?
Up to $20,000 unsecured; offering the vessel or another asset as security can unlock larger limits or a lower rate.
Can I pay the loan off early?
Yes – make lump-sum or extra repayments whenever you like. Only a $12 administration fee applies when you settle in full.
We’re here to help
Have more questions about marine-finance options, jet-ski eligibility, or repayment schedules? Contact our team for personalised support.
