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Personal loans Boat loans

Boat loans

Start floating your boat.

Fixed personalised rates from 5.35%¹ (comparison rate 6.14%)²

Our latest awards
Excellent Credit Personal Loan Award Badge 1
finder award 2019 v2
rate city 2021
rate city 2020 v2
mozo award 2018 v2
mozo award 2018

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 Fast efficient and easy approval and admin of the loan. Thank you Harmoney! australia
5.0 I am loving harmoney. Thank you australia
5.0 Thank you very much Harmoney. This is the best loan service I have wver encounteres. You made it so quick and easy and I have to specially commend your beautiful and very accommodating staff! australia
5.0 What an amazing easy loan consolidation. thankyou. australia
5.0 Unbelieveable service all done online and approved in minutes. I am a Lifetime Harmony Customer...Well done guys. Great work. australia
5.0 So far very helpful and hoping I get the loan australia
5.0 I am satisfied with the customer service, the team at Harmoney treated me kindly and gave me enough information to make my decision. I got my loan early than expected. Good team australia
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5.0 I am very happy to be with Harmoney SA, australia
5.0 Harmoney have trusted me and this means that I can trust them! Thanks Harmoney! australia
5.0 This is the first time I experienced a quick secured online loan application processing. This is by far an excellent service in assessing my application, i highly recommend Harmoney to so many people that requires a brand new start and gain back financial control after the pandemic. Thank you so much to all who have helped me end to end. I could say that they are far more better than any bank I transact with in the past two decades. Victoria, Australia
5.0 Instantly got approved within 24hrs and got my loans consolidated and additional funds in my account within that time frame. Queensland , australia
5.0 This was my second experience with Harmoney and each time it has been a great personal experience. They are a great company and offer simple online interactions. Much appreciated, thank you Harmoney. australia
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5.0 You have a great service, but my approved loan rate is too high. australia
5.0 Very Easy Loan Application
Quick Funds in the bank
Easy helpdesk
5.0 Always very easy to do business with Harmoney. All around a very pleasant experience australia
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5.0 The Harmoney team are easy to deal with. The process is easy and secure. Thank you! australia
5.0 Thank God for Harmoney. Offered me a far better rate than my own bank would. Ten star service australia
5.0 Very quick and easy application process. It was stress free. I can highly recommend Harmoney as a viable option. I needed a loan quickly to cover urgent overseas medical expenses. Approval was granted in less than 24hrs which gave the patient instant peace of mind. Queensland, Australia
5.0 Extremely professional and no delay with processing loan. australia
5.0 As my first time dealing with Harmony I must say the process from start to finish has been quick, easy and hassle free australia
5.0 The process was very easy and fast. I did not know how much i needed to borrow as the car i wanted was purchased, so i had to look for another. By having my application approved i can now have a car i wished for. Thank you harmony australia
5.0 Thank you so much Harmoney for helping me. You have helped me when no one else would. So easy process and staff were helpful the whole way through. australia
5.0 Every interaction I have had with Harmony has been simple and easy. Thank you all so much for your assistance. Wouldn't go anywhere else australia
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5.0 Quick turn around. Never any complaints for Harmoney. australia
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5.0 I have experienced an excellent service in assessing me in regards with my loan. Very very helpful. Highly recommend to people who needed a service from them. australia
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5.0 It’s hard to believe this I just went through a credit approval process — Harmoney has simplified things that no one else thought to make easier, and it’s so much better australia
5.0 very happy at the speed of the loan and approval australia
5.0 Communication has been excellent from all at Harmoney. australia
5.0 Easy to deal with right from the start very professional. Everything was on line, my loan was approved within 48 hours. NSW, australia
5.0 Thank you Harmoney. No judgement and for your complete trust in me. So thankful for the easy to follow steps and immediate response. australia
5.0 NAB told me "No", but Harmony said "we care about you".
Thanks to Harmony and the team.
5.0 Great experience with Harmoney Qld, australia
5.0 Harmoney makes financial matters so easy. I’ve found it to be easier than dealing with the banks! australia
5.0 It was the easier loan application ever!! Thank you so much australia
5.0 the people that i have dealt with at Harmoney have all been excellent australia
5.0 This user-experience is the absolute best I have experienced in any industry, let alone personal loans. Mind-blowingly well thought out. I’ll be recommending this to everyone australia
5.0 Feels easy and they help me on my loan requirements. They are approachable and quick response. I recommend them to others 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
  • 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.

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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.

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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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