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About Our Super Cheap Boat Loans

Boat loans are similar to personal loans but are often a lower interest rate because the loan is secured by a financial interest in the motor vehicle you purchase. These secured loans are also available for boats, trucks, motorcycles etc. Scroll down to view the various finance options to buy your next boat.

Our staff have helped hundreds of Aussie customers save thousands of dollars on their boat loan. With access to 20+ banks and finance lenders we compare the best finance options available to you in Australia.
Let our staff help you, save money!

If you are self employed, we speak your language. If you’re car will be used for business use we help business customers secure a chattel mortgage, hire purchase, or novated boat lease. Our Finance Centre staff our experienced with helping small business.

Not only do we compare boat loans, but we also offer great deals on finance for business, boat leasing, and bad credit customers

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Which is the best boat loan for you?

Not only do we compare car loans, but we also offer great deals on finance for business, car leasing, and bad credit customers.

Boat Loan - Secured

This is a secured loan available for a new or used boat. The loan is secured by financial interest over the motor vehicle and is usually a lower interest rate than an unsecured loan.

Chattel Mortgage

This is the most popular boat loan for business.  If the vehicle is used predominantly for business use a Chattel Mortgage will preserve cash flow and provide tax savings.

Personal Loan

A personal loan is unsecured, meaning the money borrowed can be used for any purpose. You may want to consolidate all your credit card debt, or need money for a holiday, renovations, or even cosmetic surgery. The loan is yours and the money can be used for leisure. A personal loan can even be used for a car, boat or bike, however being unsecured the interest rates are not as low as a secured loan.

Boat Lease / Novated Leasing

A Boat Lease or salary sacrificing Novated Lease can help you and your employer save on tax and gain all the benefits of a company boat. Our staff are finance experts and can put together a lease package to suit your requirments.

Get financing for whatever you need now

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Features of Boat Loan

All loans are not created equal, and a boat loan may not always be the best option. Personal loans have become a great option for some people to choose. The Finance Centre team team are hand-picked experts in boat finance. Customers can trust our knowledge and get specialist advice.

Dealer or Private Sale

Customers can buy privately or a car dealer. Private sale vehicles will need to be formally inspected by an approved agent.

Special Pre-approved Loan

Apply now and get pre-approved finance allowing you to shop with confidence. Pre-approval means you will know how much you can afford to spend without worrying about the uncertainty of the credit assesment process.

How much can I you borrow?

Minimum loan is from $5000. With a maximum loan term of 7 years.

100% Funding on Loan

You can borrow up to the full purchase price of the vehicle plus any insurance premiums.

Car Loan - Eligibility

Finance Centre makes getting a boat loan easy! Our staff will help you get the best deal in just a few easy steps.


Minimum age for all applicants is 18 years old, an Australia resident, and hold a current Australian drivers licence. When finalising the boat loan, applicants will need to provide various identification and income documents.


You must have a regular income and affordability. The lender assessment team will evaluate your income and expenses together with the loan commitments to determine and approve your loan.

Credit Rating

Even with a bad credit rating we have products that may help you get a 2nd chance. Interest rates are usually higher due to the added risk, however we will help you get the best bad credit boat loan deal you can afford.

Frequently Ask Questions

The answers to the most frequently asked questions about our low interest rate boat loans.

Minimum loan is $5000. Subject to credit assessment and affordabilty, you can borrow up to the full purchase price of the vehicle plus insurances.

Yes! If you are arranging to buy a car from a private sale for used cars, boats, trucks etc Finance Centre can still arrange a competitive car loan. Additional doumentation and vehicle inspection will be required by one of our approved inspectors.

We will do that for you. With 20+ lenders we will source the best boat loan option available to you. Low risk usually means low interest rate. Higher risk, higher interest rate. Most lenders consider some of the following to determine the lowest interest rate you can qualify for:

  • Your credit rating;
  • Your assets & liabilities;
  • Your credit history and previous loans of similar size;
  • Employment history & stability and affordability.

With all the ASIC rules and regulations, we can’t say that Finance Centre will be the cheapest car loan in Australia. But we can say this, we don’t know anyone cheaper! With a panel over 20+ lenders we will compare all finance options we have available to you and offer the very best, cheapest, lowest interest rate car loan in Australia.

It costs nothing to apply, there is no application fee. If your loan application is approved Finance centre will then send you a formal offer with a detailed offer including complete breakdown of interest, charges, rates, and fees for you to consider. If you choose to proceed we can then process your loan and get you into your new car usually in 1-2 days.

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Get quick quote now. Our staff will reply in about 5 minutes.