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Boat Loans Australia Boat Loan Repayment Calculator

Plan your dream boat purchase with our Boat Loan Calculator. Enjoy low rates, flexible terms, and quick estimates to find the best finance for your lifestyle.

Calculator results are estimates only and not quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Boat Loan Details:

Remember to make allowance for stamp duty, registration, insurance or other costs to be included in the loan where applicable.
Enter whole numbers only please, no dots, commas etc.

If you have a deposit or a trade-in, include the amount here
Enter whole numbers only please, no dots, commas etc.

(if applicable)
Select the number of years over which you would repay the loan.

A longer Loan Term will mean lower monthly repayments but at a higher cost overall.

The options below are indicative of what lenders currently offer.

Years
Select an interest rate for the calculator simulation.
The range of rates listed below are representative of those currently available.

Your actual rate can only be confirmed after you apply.


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Boat Loan Repayment & Amortisation Calculator

Important!

Boat Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Boat Loan Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

Boat Loan Repayment & Amortisation CalculatorBoat Loan Repayment & Amortisation Calculator

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Boat Loans Articles

Setting Sail: Top 10 Boating Spots in Australia
Setting Sail: Top 10 Boating Spots in Australia
Australia is a boater’s dream, offering an extraordinary array of aquatic landscapes that beckon adventurers to set sail and explore. From the gentle lap of waves in sheltered coves to the expanse of the open ocean, the joy of boating down under is unmatched. Whether you're a seasoned sailor or new to the world of nautical navigation, Australia’s waters promise spectacular views and unforgettable experiences. - read more
How to Improve Your Credit Score for Boat Loan Approval
How to Improve Your Credit Score for Boat Loan Approval
If you're dreaming of cruising the Australian waters on your own boat, you're not alone. Owning a boat is a cherished goal for many Aussies, whether it's for fishing trips, sailing adventures, or simply enjoying the coastal lifestyle. Financing this dream often involves securing a boat loan, which requires some preparation, particularly regarding your credit score. - read more
How to Prepare Your Boat Loan Application for Quick Approval
How to Prepare Your Boat Loan Application for Quick Approval
In today's competitive financial landscape, securing a boat loan quickly can make a world of difference. By preparing your application in advance, you expedite the approval process and increase your chances of success. - read more
Common Mistakes to Avoid When Applying for a Boat Loan
Common Mistakes to Avoid When Applying for a Boat Loan
Applying for a boat loan can be an exciting step toward owning your dream vessel, but preparation is key to securing quick approval. A well-prepared application can make all the difference, ensuring you avoid any unnecessary delays and get the best possible loan terms. - read more
How to Avoid Capsizing Your Budget When Comparing Boat Loans
How to Avoid Capsizing Your Budget When Comparing Boat Loans
The excitement of buying a boat and the role of right financing: The dream of sailing on the open seas or cruising through tranquil waterways can be incredibly enticing. The prospect of owning a boat opens up a world of adventure, relaxation, and luxury. However, much like navigating through uncharted waters, purchasing a vessel requires sound financial planning. Choosing the right boat loan is crucial in making this dream a reality without causing a financial shipwreck. - read more
The Boater’s Financial Pre-Loan Checklist: Ensuring Smooth Sailing
The Boater’s Financial Pre-Loan Checklist: Ensuring Smooth Sailing
Are you dreaming of setting sail on your very own boat? While the freedom and adventure of boating are incredibly enticing, it's essential to ensure you're financially prepared before taking out a boat loan. - read more

Finance News

Urgent Call for Government Support in Australia's Marine Manufacturing Sector
Urgent Call for Government Support in Australia's Marine Manufacturing Sector
30 Nov 2025: Paige Estritori
The Boating Industry Association Ltd (BIA) has recently issued a compelling appeal to all levels of Australian government, emphasizing the urgent need for strategic support to bolster the nation's esteemed marine manufacturing and recreational boating sector. This call to action arises amidst a significant skills shortage that poses a threat to the industry's economic vitality and growth potential. - read more
Australia's Marine Industry Set for Unprecedented Growth by 2030
Australia's Marine Industry Set for Unprecedented Growth by 2030
30 Nov 2025: Paige Estritori
At the 2025 Sydney Boat Show, the Boating Industry Association (BIA) unveiled the National Recreational Boating Statement, providing a comprehensive overview of the sector's current status and future projections. This landmark report highlights the substantial economic and social contributions of Australia's marine industry and outlines ambitious growth forecasts leading up to 2030. - read more
Australia Partners with Japan for Advanced Naval Frigate Program
Australia Partners with Japan for Advanced Naval Frigate Program
30 Nov 2025: Paige Estritori
In a significant development for Australia's naval defense strategy, the Australian Government has officially selected Japan's New FFM design for its new general-purpose frigate program. This decision marks a pivotal step in enhancing the Royal Australian Navy's capabilities and underscores the strengthening defense collaboration between Australia and Japan. - read more
Australia's Marine Industry Surges to $229 Billion in 2023
Australia's Marine Industry Surges to $229 Billion in 2023
14 Nov 2025: Paige Estritori
Australia's marine industry has achieved a remarkable economic milestone, with its output soaring to $229 billion in 2023. This 19% increase from previous years underscores the sector's robust growth and its pivotal role in the national economy. - read more
South Australia's Coastal Waters Affected by Prolonged Algal Bloom
South Australia's Coastal Waters Affected by Prolonged Algal Bloom
14 Nov 2025: Paige Estritori
Since March 2025, South Australia's coastal regions have been grappling with a harmful algal bloom (HAB) that has had profound effects on the marine environment and associated industries. This event has led to significant fish kills, adversely impacting the fishing and aquaculture sectors, as well as deterring beachgoers and affecting tourism operators along the affected coasts. - read more
Marinex Underwriting Launches to Address Australia's Marine Insurance Needs
Marinex Underwriting Launches to Address Australia's Marine Insurance Needs
14 Nov 2025: Paige Estritori
Rhodian Group, an incubator of underwriting agencies in Australia, has announced the launch of its third agency, Marinex Underwriting. Backed by global specialty insurance distributor Amwins, Marinex is a shared equity marine underwriting agency co-founded by national relationship manager Janelle Karnib, CEO Chris Kelly, and Ainsley Smith. - read more
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