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Personal loans Boat loans

Boat loans

Get on the water faster

Personalised rates from 5.35%¹
(comparison rate 6.14%)²

Our latest awards
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Set sail with a hassle-free online boat loan

Personalised finance for your first boat, your dream boat, or need a boat repair loan.

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IN CONTROL

Borrow what you need for a new or used sailboat, speedboat, jet ski or other boat, or use a boat repair loan to fix up your own.

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ONLINE BOAT LOANS - 24/7

You could be fishing, waterskiiing or just cruising at sea within a couple of days without the need for awkward face-to-face meetings.

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UNSECURED LOANS

Our loans are unsecured so there's no need to put your new boat, or any other asset, on the line to get the money.

What our customers say

5.0 It is a very easy process to apply. Have already some of my friends about Harmony. Very precise and no nonsense application process. australia
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5.0 Simple and easy as usual. Thank you Harmoney team. australia
5.0 I am very grateful to you for approving my loan as my own bank would not give me anything, cheers. australia
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5.0 The Loan process australia
5.0 Fantastic, website portal was user friendly and was a added bonus that harmony could access my bank statements and work out my expenses.
Not stressful at all.
Thankyou.
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5.0 Harmoney got information of my assets, liabilities, my historical financial stability in addition to taking into consideration a short term financial situation. In comparison to other lenders that take a quick financial snap shot which isn’t an accurate reflection of long term financial behaviours. australia
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Would recommend Harmoney to friends.
Thank you
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5.0 Easy process and quick results. Thank you Harmony Team. australia
5.0 Harmony makes this process so simple
Could not be happier
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5.0 Fast and efficient and no drama from start to finish. Appreciate you helping me getting my finances in order ready to start 2022 with one simple repayment. Thanks. australia
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5.0 There were a few delays with the system problems but I’m more than happy to stick with Harmoney australia
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5.0 I found the ease of consolidation through gaining my credit score and interest rate in relation to that score an insightful and stress free experience with harmony , I feel they have helped myself into a posityof financial security. australia
5.0 Harmoney has helped me where others wouldnt because I have no credit history. I would highly recommend Harmoney to anyone. australia
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Thanks heaps Harmoney and I look forward to being with you for years to come
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5.0 As long as the money is received in my account, as I have only done the approval, I am more than happy with Harmoney australia
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5.0 Harmoney, my heartfelt thanks for approving my top-up loan to help consolidate my debts. My financial hardship throughout the pandemic will become a little easier due to your compassionate response to my application. I will definitely recommend your services to family & friends if the situation arises. australia
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5.0 Make it so easy and always make life easy for me. I love you making my loan payments easier australia
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5.0 no this is the second time we have used harmony and we are always very happy with the service. australia
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5.0 I could not recommend Harmoney enough! Staff are very helpful and great customer service, great communication. Very easy process to complete loan application. I can’t fault at all. 10/10 australia
5.0 Has been very good dealing with harmoney australia
5.0 Harmoney are the best, i will recommend it to everyone whos struggling out there, they gave me a chance when no ones will,

From the bottom of my heart, I thank you to all Harmoney Staff
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5.0 Harmoney has been a great help to me in achieving my goals, they are very professional and helpful with clear and fair terms and great products. Many thanks to the harmoney team. australia
5.0 Absolutely amazing experience overall! The end to end loan application and approval process was seamless and super quick! australia

Simple, 100% online

1. Get to know you

First, tell us how much you want to borrow and confirm identity and finance documents we need.

2. Get your offer

We’ll send you a boat loan offer for you to approve that includes everything you need to know.

Step 3. Get your money

Accept your loan offer, send us a few final details, then you should get your money within 24 hours.

What we offer

$2K - $70K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee
$0

Early repayment fee
  • All loans are unsecured
  • Rates from 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Common boat loan questions

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Can anyone apply for a boat loan?

For Australia: to apply for a boat loan in Australia, you must be:

  • Aged 18 years or older

  • An Australian citizen, Permanent Resident or New Zealand citizen

  • Employed full time or permanent part time

  • Able to provide photo ID documents such as an Australian driver’s licence or passport

  • Free from any defaults, judgements or bankruptcies on your credit file

  • Borrowing a minimum $2,000 loan

For New Zealand: to apply for a boat loan, you must be:

  • Aged 18 years or older

  • A New Zealand citizen or Permanent Resident

  • Earning a stable income

Applying for a boat loan or boat repair loan on Harmoney has the same requirements as most other types of loans we offer.

Can I include insurance and other costs in my boat loan application?

Yes, your loan can pay for all expenses related to buying and operating a boat, up to your borrowing limit.

What type of boat can a boat loan be used for?

You can use your loan to buy any type of boat, new or used, that’s covered by your borrowing limit. Whether it’s a sailboat, speedboat or a jet ski, let us know your plans when you apply.

Can I get a loan to repair my own boat?

Yes, you can use a personal loan as a boat repair loan to help with urgent repairs, general maintenance or upgrades to an existing boat.

Can I use my loan to pay off my boat dealer?

If you’re already using dealer finance to pay for a boat and you can't get out of the agreement, you could find a new loan with better terms to pay off your old loan. Harmoney’s debt consolidation loans are designed as a flexible solution to help borrowers get out of debt.

Quick boat loan estimate

Try our quick estimate loan calculator to see what interest rate and repayments to expect for a boat loan.

Speeding you out of the dock

Spend less time sorting out finance and more time choosing the perfect boat.

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100% ONLINE - 24/7

Apply online through our website with no need for meetings.

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NO EARLY REPAYMENT PENALTIES

If you decide to pay off your loan ahead of time, we won’t charge a penalty.

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PERSONAL RATE

The interest rate you pay is automatically calculated based on your credit profile.

About boat loans

A boat loan is a type of personal loan that can be used to fund any type of boat purchase and other expenses such as storage, equipment and accessories, up to your loan limit. With a number of boat loans on the market, it’s important to know the differences so you can choose the best loan for your needs.

Unsecured boat loan

There are two common types of loan: secured or unsecured. With an unsecured boat loan, you’re not required to put up security for the loan.

All boat loans offered by Harmoney are unsecured.

Secured boat loan

With a secured boat loan, the boat itself (or another asset) is used as security for the loan. That means that if you fail to keep up with your repayments, the boat can be repossessed by the loan provider and sold to recover the cost. Harmoney does not offer this type of loan.

Dealer finance

Like car dealers, major boat sellers offer their own finance plans that can have attractive low-interest periods or other perks that make them attractive to buyers. The downsides are that you normally have to pay a deposit up front, the loan is usually secured by the boat itself, and you could pay more overall than with a third-party loan, especially if you have bad credit.

Fixed and variable loans

One of the most important points of loans to compare is whether they have a fixed or variable interest rate. A fixed rate will always stay the same, giving you more certainty and making it easier to budget. A variable rate is likely to rise or fall depending on the economy, making it more of a gamble.

All Harmoney loans have fixed rates, so you can see exactly how much you’ll have to pay for the entire term of the loan. Read more about our rates and fees.

Get moving today

Apply for a boat loan online and start making waves.

Types of personal loans

Harmoney can help you with a loan for the things you need.

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HOLIDAY LOANS

If you can’t afford a trip, a holiday loan from Harmoney could give you the money you need for flights and other travel expenses.

Find out more

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CAR LOAN

Borrow what you need to buy a new or used car, ute or other vehicle. An online loan can get you a better deal on your vehicle purchase.

Find out more

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EDUCATION COSTS

You don’t have to delay your education because you don’t have the funds. An education loan with Harmoney could cover your expenses.

Find out more

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DEBT CONSOLIDATION

Consolidating debt means taking out a new loan to replace multiple existing debts, so you’ll only have one regular payment to make.

Find out more

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WEDDING LOANS

If you want to make your wedding one for the history books, a wedding loan can give you the funds you need to make your dream a reality.

Find out more

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BUSINESS LOANS

Harmoney’s business loans for new and established businesses can help your company get off the ground or grow to the next level.

Find out more

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MEDICAL LOANS

Whether it’s a medical emergency or routine care, Harmoney medical expenses loans are here to help when you need financial support.

Find out more

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RENOVATION LOANS

You won’t have to delay your home improvements if you qualify for a renovation loan from Harmoney. Find out how much you can borrow.

Find out more

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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