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Personal loans

Boat loans

Get on the water faster

Personalised rates from 6.99%¹
(comparison rate 7.79%)²

Our latest awards
finder award 2019 v2
mozo award 2018
mozo award 2018 v2
rate city 2020 v2

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 Thank you for the non-judgemental and easy application of this loan process. I am very appreciative of this opportunity to consolidate my personal loan and credit card debts into the one repayment so that I can at times pay off more and pay the loan off early. Thank you Harmoney. I am so very grateful. Vic, Australia
5.0 Highly recommend using Harmoney-Au it is easy to apply and staff are very helpful.
Thank for your help Ron.
Vic, Australia
5.0 I was very impressed with Harmoney it was so easy to do online and and at the end you got the results back quickly. I would highly recommend Harmoney to anyone. Thank you for my loan I very much appreciate it. NSW, Australia
5.0 Speedy service - 2nd time I've used Harmoney - dont bother about the rest SA, Australia
5.0 I would not hesitate to recommend Harmoney to anyone. The online application was smooth and hassle free and I was updated regularly about the progress and outcome of my application. Thumbs up to Harmoney. Vic, Australia
5.0 You are an awesome group to deal with for loans. Also great after sales service, if needed. Qld, Australia
5.0 Harmoney has made this process very easy and effective, very impressed with how straight foward the process is Qld, Australia
5.0 great company and easy to apply thank you, there are not alot of companies out there that cater to people on a pension even though they say they will! This company is different and I like the ability to change the options anytime throughout. Thanks Harmony! NSW, Australia
5.0 Harmoney au has great customer service people who are very helpful and very easy to deal with. I would recommend Harmoney to anyone. NSW, Australia
5.0 No issues, paperwork is easy and professional people working at Harmoney. Love Harmoney!! This is my first Top up loan! NSW, Australia
5.0 Very quick & easy process, highly recommend Harmoney Qld, Australia
5.0 They made it easy for me to apply for a top-up on my existing loan Vic, Australia
5.0 So quick and easy, I originally applied for the wrong type of loan and Harmoney talked me through changing so I had the correct product with no fuss
I have dealt with Mia throughout- she is so patient courteous and professional. Thank you Mia for your guidance you were amazing
Qld, Australia
5.0 Simple application process, easy to follow and excellent communication, highly professional. Loan organised promptly once funded. Vic, Australia
5.0 I'm so happy that I came across Harmoney as I have had difficulty trying to get a loan through others,simple and easy to apply NT, Australia
5.0 This has been quick and easy over the Internet. Thank you harmoney :-) WA, Australia
5.0 Easy process that makes life a little easier with understandable information and updates along the way. Thanks Harmoney! WA, Australia
5.0 This is the easiest loan I have ever applied for, its a great system.2nd time applying, loan was approved and in my account by the end of the day. Definately will tell others about you
Will always use you when in need.
Qld, Australia
5.0 Harmoney were fantastic to deal with. They kept me updated throughout the approval process, which took 3 - 4 working days to complete. Very friendly staff too. NSW, Australia
5.0 Excellent i was so shoked for having approved with in minutes specialy my own bank my pay go in and years and year they declined me straight after i applied and approved
I Really needed the loan to finish my home
very reliable excellent customer service
i do recommend
NSW, Australia
5.0 Fast and easy application.
The approval rate was extremely quick.easy online application. no having to make appointments and wait at the bank.
Much better than the major banks.will not use a bank again.Give Harmoney your business.
Will use again.
Thank you.
NSW, Australia
5.0 Happy with the speed of the whole process although the interest rate is higher than I believe it should be. 16.49% for a personal loan is very high NSW, Australia
5.0 Harmoney have been both informative and diligent throughout this whole process from 'enquiry' to 'receipt'. I've received help every step of the way and have appreciated their professional thoroughness. Qld, Australia
5.0 Very happy with service.
Easy hassle free no stress.
Team were very pleasant to deal with.
I would definitely use Harmoney again.
NSW, Australia
5.0 This is my third loan through harmoney. Just so easy. Qld, Australia
5.0 I found Harmoney very helpful and quick and easy to use there website.
The approval took less then 24 hours notice.
Thanks Harmoney
Qld, Australia
5.0 I think Harmoney is a great lending platform which has quality staff who attend to your every need, thanks Harmoney appreciate your guidance throughout the application. WA, Australia
5.0 A very professional & fast service ... easy to apply for & good communication throughout the process ... would definitely recommend HARMONEY to any prospective borrower. , Australia
5.0 Can't belive how stress free and easy the process was. Would rather deal with Harmoney any day compared to the big banks. Qld, Australia
5.0 Great customer service with Lenny. All questions answered. Very happy with the whole loan process. Thankyou. NSW, Australia
5.0 Excellent, curteous and prompt service.
All emails were responded in quick time.
Would recommend Harmony to anyone.
, Australia
5.0 It was such an easy process and the rate was so competitive, I would recommend harmony to anyone Qld, Australia
5.0 Very easy to understand and receive the loan I was looking for, great rate as well. NSW, Australia
5.0 So far the experience has been a positive one. Harmoney's service was very fast and efficient. Had notice of the loan being fully funded this morning and the money was in my account tonight. Amazing service. Couldn't be happier right now. Qld, Australia
5.0 I can't believe how quick & easy it was. The money was in my bank less than 24 hours after I accessed the Harmoney website Vic, Australia
5.0 Easy to deal with and fast approvals. Great comunication thru the process of loan Qld, Australia
5.0 To date I have found the Harmony experience transparent and efficient. They were much quicker processing the loan than the major banks and staff were responsive And punctual. I would happily recommend Harmoney to friends and family. WA, Australia
5.0 I have really appreciated Harmoney's attitude of 'how do we get this done' rather than A 'do we want to get it done' assessment style of attitude. Vic, Australia
5.0 The loan was easy to do online, very prompt answer at the end of completing the online forms. Highly recommend to others. NSW, Australia
5.0 Fast and easy to use. Have not needed to contact them for any service or advise as yet but if my previous dealing with establishing the loan is any indication I am sure it will be 5 star. WA, Australia
5.0 The process and loan terms have been straightforward and easy. It took a couple of days for my loan to be funded but the Harmoney staff were easy to contact during this stage to reassure me that the loan would be funded. I'm grateful that lenders like this exist for people who need funds for things that traditional lenders would say no to. Thanks Harmoney! SA, Australia
5.0 Harmoney provided me with the funds I needed very quickly which was really important to me. The application process was simple and when I had questions I was able to speak to someone in person and sort things out. One very happy Harmoney customer. Vic, Australia
5.0 quick and easy to apply and very quick response, loan fully funded with 24 hours so happy with the whole experience. I will be recommending them to family and friends, so much better than the banks Vic, Australia
5.0 The team at Harmoney was fantastic. The service they provided was very efficient and the process was so quick that my application was approved within 2 days. I will definitely recommend Harmoney. Thank you for the great service! NSW, Australia
5.0 Happy with overall service from start to finish.
Quick and painless. Love the fact that I was notified of status of each step of the process.
Thank you Harmoney.
Vic, Australia
5.0 Very easy to access especially since I am in a remote area. I love the whole online accessibility which made the whole process so quick and easy. Fantastic communication from the Harmoney team with any questions I had. Interest rates are competitive and manageable. Highly reccommended. A+ Qld, Australia
5.0 So fast and simple - I can get my finances and my life in a straight line now - couldn't be more grateful to the Harmoney Team.
Great communication and service.
WA, Australia
5.0 Amazing!, but the amount of the loan is a bit small, because to reunify and have a single payment a larger amount was better and so cheaper and make monthly payments easier. Vic, Australia
5.0 Very easy to deal with. They made the loan process very simple. Will deal with again. Qld, Australia
5.0 Quick and easy process! Stress free within days. Very easy to apply
Thank you Harmony
, Australia
5.0 Good quick service, sorted out issue I had with computer application straight away after I phoned. Loan was organised quickly so I was able to get myself and my family into a better financial position within days - I was able to pay for my final exam for work and pay out an existing loan, and with this new loan my monthly repayments are now less than they were. Thanks heaps! Qld, Australia
5.0 so far everything has been easy to understand and it didn't take long for drawdown of loan.. Qld, Australia
5.0 Harmoney are very easy to apply for a loan with and service is fast too. NSW, Australia
5.0 Paulina was fantastic and the service was easy and floorless, thanks Harmony we will be back :) SA, Australia
5.0 So far the process for the loan has been fairly simple with less than an hour spent so far filling in documentation online. Hopefully it will be the same experience as I progress to the next stage to get the loan. All good so far!!!

Following the completion of the documentation, which involved in putting my personal details, Medibank details, Driving License and uploading a copy of my bank statement and specifying the amount I would like to borrow, I received confirmation the next morning that the loan had been approved.

Three days later the funds had been received. It was that quick and that simple.

The rate I got was also very reasonable.

I honestly can not fault this service. It was quick, painless and easy. I was informed all the way and their online account is really easy to navigate and use. I will be using them again and I will be recommending them in the future.
Really please customer
Vic, Australia
5.0 This was a straight forward and easy to follow procedure...with a great response time..would recommend Harmoney ....5 stars NSW, Australia
5.0 Great service professional and would absolutely recommend harmony to my friends and family they understood my needs and were willing to help, very friendly approach excellent staff satisfaction 10 / 10 in my book thanks harmony team. Qld, Australia
5.0 Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney. NSW, 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 - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99%¹ (comparison rate 7.79%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

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.

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