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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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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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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 I am very grateful to you for approving my loan as my own bank would not give me anything, cheers. australia
5.0 This experience has been a pleasure. The rate is a little high but for unsecured loan it’s reasonable. I’m so pleased with this experience and quick response australia
5.0 It has been a very easy process. The terms of the loan are very easy to follow australia
5.0 Harmoney has provided the most stress-free and informative loan facts, statistics and data I have ever interacted with. I would definitely recommend Harmoney :) australia
5.0 Quick and easy to understand, very quick reply from Harmony Team australia
5.0 The best experience I've ever gad with a loan company. So simple and easy. You guys are a life saver. australia
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.
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
5.0 Great experience with harmoney will definitely recommend it to others australia
5.0 I've used Harmoney in the past and have been very pleased with how fast and easy it is to apply online australia
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5.0 Hassle free consolidation loan. Thanks to the Harmoney team. australia
5.0 Harmoney have been very helpful. I will be using them in the future. australia
5.0 Loans based on customer repayment history as opposed to the big banks that seem to overcomplicate everything. Extremely competitive rate! australia
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5.0 Harmony is so easy to deal with. australia
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5.0 Loan interest dropped down 2 % on my top up loan. Easy to apply when in need. australia
5.0 Very good never have any problems with harmony they are great.. WA, Australia
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5.0 Great service and very friendly people when you ring for advice.
Would recommend Harmoney to friends.
Thank you
5.0 Application of loan was quick and easy australia
5.0 Easy process and quick results. Thank you Harmony Team. australia
5.0 Harmony makes this process so simple
Could not be happier
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
5.0 Harmoney loan process from start to finish was seamless and clear. Very quick, online app is easy to manage. australia
5.0 I tried to do this with my own bank. Seriously useless…. And it’s paying off their overdraft. You make it easy as. My second loan with you and I couldn’t be happier with how it works. Well done on a great system. australia
5.0 There were a few delays with the system problems but I’m more than happy to stick with Harmoney australia
5.0 Fantastic service! Harmoney has never let us down and so quick and easy to deal with. australia
5.0 Very helpful and fast loan approval australia
5.0 No stress and one of the best in class service I have used so far. This is my second loan of 50grant. Both loan applications done online and approved in minutes. Who can do better than Harmony - I need to convinced is there is anyone else! Well done guys - yove won a lifetime customer! Thanks alot. australia
5.0 It.was easy to apply and get the loan approved. It was hassle is helpful. I appreciate and i recommend people going through hardship and need money Asap 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
5.0 Harmoney was very easy to deal with the the application process very straight forward australia
5.0 Applied for a loan to consolidate got approved very quickly . Good service australia
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5.0 Quick and effective will definitely use Harmony in future australia
5.0 The loan process was very easy to follow and when I needed help it was always there for me. australia
5.0 Harmoney is the best product for all loan types. Seamless, fficient, fast service. Your service is way better, if not the best among others. The customer service is just amazing. I thought I would never find a perfect institution like yours but I just did! Thank you so much. All the best to you all! australia
5.0 Everything is so quick and easy with Harmoney ! The comms are great too. Staff are knowledgeable and lovely to speak too as well. australia
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5.0 Everyone has been real helpful on my loan application 110% for service australia
5.0 Easy & quick no hassles - I think thats why ur called Harmoney! australia
5.0 I just love Harmoney. Never a hassle. Friendly staff. Super helpful. Thank you for being amazing in every area. australia
5.0 Brilliant service from the team at Harmoney. The whole process from start to finish was stress free. Definitely will be recommending their services to family and friends. I look forward to engaging with them in the future.. australia
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5.0 This is going to change my life. Thank you Harmoney australia
5.0 Super quick, easy process! Loan approved within 3 hours business time! Super happy australia
5.0 This was the fastest and simplest loan I’ve ever had. We’ll done australia
5.0 Its unreal, i cant believed how fast and efficient the service, i was hesitant at first as i hate the hassles of applying in the banks but Harmoney is great. Definitely will stay with u from now on. Thank you australia
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5.0 Amazing, so quick, so easy! Great to deal with, thank you Harmoney. australia
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5.0 Amazing service. First time I applied for a loan and everything went perfect. australia
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5.0 Love Harmoney. So easy and reliable australia
5.0 It has been a pleasure to deal with Harmoney have they make it very easy and stress free to obtain the loan I am looking for
Thanks heaps Harmoney and I look forward to being with you for years to come
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
5.0 Harmoney is the best and easiest way to get a small loan when you need it. Thank you australia
5.0 It's was the easiest and fastest loan I've ever had, truly this is the future and the future is now :) australia
5.0 Very quick and easy process to get a loan. Thank you australia
5.0 First of all, Thankyou so much for helping me out with the personal loan australia
5.0 Second time I’ve used Harmoney. It’s an amazing service australia
5.0 Brilliant loan company !! australia
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5.0 Absolutely brilliant, can't thank Harmoney enough australia
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
5.0 Never has it been easier for me to get a loan until I came across these guys would recommend to other people australia
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5.0 Excellent communication and fast process . Thanks Harmony australia
5.0 Harmoney have been so easy to deal with. Thanks australia
5.0 The Harmoney Team are very prompt communicators and streamline it all to obtain a result, very happy with the expert help, Rgds Richard australia
5.0 Thank you very much harmoney.i im very satisfied to your service. , australia
5.0 Can not fault harmoney perfect customer service and experience australia
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 Great Service, very help staff , highly recommend Harmony for any business owner. australia
5.0 it was just so easy and fast. i applaud you at Harmony for making this experience so easy and painless australia
5.0 no this is the second time we have used harmony and we are always very happy with the service. australia
5.0 Absolutely great , efficient and very fast approval. Tysm harmony. australia
5.0 Harmoney is so easy to apply and you deside on when it comes out weekly tonight month I l i k's that thanks for helping me out again in time of need.. australia
5.0 I am so thankful to Harmoney youse are awesome thnx australia
5.0 Great experience so far when applying for my loan. australia
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
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
5.0 Quick response, and very easy to use. Very pleased with Harmoney. australia
5.0 Thank you for helping me. My experience with your loan company has been great and much appreciated. australia
5.0 Possibly the easiest experience I've ever lived, Thanks Harmony. 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

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

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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

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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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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

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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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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.

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