1024x520 Medical 1x
Personal loans Boat loans

Boat loans

Start floating your boat.

Fixed personalised rates from 5.76%¹ (comparison rate )²

Our latest awards
MostInnovativeCompanies Logo RGB Primary v2
Finder Award Highly Commended RGB
Best Excellent Credit Personal Loan
Excellent Credit Personal Loan Award Badge 1
rate city 2021

Set sail with a hassle-free online boat loan

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

be prepared v7

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.

online v5

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


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 The loan process was incredibly fast, easy and stress free. australia
5.0 Easy, no hassles, fast loans, repayments you can afford. australia
5.0 Harmoney is a excellent service could not be happier australia
5.0 Clear understanding of loan conditions of contract and great customer service australia
5.0 It's smooth quick process with Harmoney for a personal loan application australia
5.0 Very easy process
Very happy with harmony finance and would definitely recommend
5.0 I have been a Harmony customer for many years now & have always found them the best to deal with australia
5.0 Easy, no fuss, no hassels, giving affordable repayments to honest hardworking people, thanks harmoney Nsw, australia
5.0 Always easy going through Harmoney - 10/10 australia
5.0 Harmoney respond promptly and communicate well with all the information you require so that you can make the right decision to suite your needs. australia
5.0 This is the best and easiest loan application experience I have ever had. There was great support along the way. australia
5.0 It was very easy to do this loan thanks australia
5.0 Always awesome experience when dealing with Harmoney. I know little bit higher on interest rate however they come 1st from all Financial Institute and respond promptly. I enquired in different banks but Harmony is the first who responded and closed the deal withing 2 days! australia
5.0 Very easy to understand and quick to get finance from Harmoney. australia
5.0 Harmoney was wonderful to work with. The process was easy and customer service was very good. 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, 5 or 7 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 5.66%* to 20.07% (comparison rate 6.45%)
  • Unsecured fixed rates from 5.76%² to 24.03% (comparison rate 6.55%³)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ⁴
  • Establishment fee of $575 for loans $5,000and over ⁴
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

*If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

Common boat loan questions

View more
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.

online v8
100% ONLINE - 24/7

Apply online through our website with no need for meetings.

repayments v3

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

personalised rates v8

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.

make memories v2

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

unsecured car v3

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

personalised rates v8

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

debt free v5

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

wedding prepare

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

simplify v9

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

stress less v3

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

start now

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.

Customer service m wide min v3