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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.


% per Annum
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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

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
Expert Advice: What Lenders Look for When Approving Boat Financing Applications in Australia
Expert Advice: What Lenders Look for When Approving Boat Financing Applications in Australia
When it comes to buying a boat in Australia, many enthusiasts turn to financing options to help make their dream a reality. Boat financing involves obtaining a loan from a lender to cover the purchase of your desired vessel. Whether you are a seasoned sailor or a first-time boat buyer, knowing what lenders look for during the boat financing application process can greatly increase your chances of approval. - read more
The Role of Deposit Size in Boat Loan Approval
The Role of Deposit Size in Boat Loan Approval
Boat loans are a popular way for Australians to finance their dream vessel, whether it's for leisure or lifestyle. Similar to car loans, they allow you to pay for your boat over time with manageable monthly repayments. Securing a boat loan requires meeting certain criteria set by lenders, which can be influenced by various factors, including your financial history and the deposit size. - read more
Tips for Australians Seeking Boat Financing Despite a Low Credit Score
Tips for Australians Seeking Boat Financing Despite a Low Credit Score
For many Australians, owning a boat is a dream come true. However, if you have a low credit score, obtaining financing for your dream boat can be a daunting task. A low credit score can make it challenging to secure traditional boat loans from banks or lenders. - read more
How to Navigate Your Boat Loan Options with a Varied Credit History
How to Navigate Your Boat Loan Options with a Varied Credit History
Australia's crystal-clear waters and expansive coastlines make it a haven for maritime enthusiasts. Boating is not just a leisure activity but a way of life for many Australians, with vessels ranging from modest dinghies to luxurious yachts gracing the shorelines. The boating lifestyle in Australia speaks to a culture of adventure, relaxation, and a love for the great outdoors. - read more
Exploring Australia’s Stunning Coastline: The Joys of Boats and Jet Skis During Holidays
Exploring Australia’s Stunning Coastline: The Joys of Boats and Jet Skis During Holidays
Australia is home to some of the most breathtaking coastlines in the world. Stretching over 25,000 kilometers, Australia's diverse coastal landscape offers something for everyone, from serene beaches to rugged cliffs and vibrant coral reefs. This vast and beautiful coastline is a treasure waiting to be explored, making it a perfect destination for holidaymakers looking to experience the magic of the sea. - read more

Finance News

Queensland Government Invests in Marine Industry Workforce
Queensland Government Invests in Marine Industry Workforce
06 Nov 2025: Paige Estritori
The Queensland Government has recently partnered with the Boating Industry Association (BIA) to significantly enhance the Marine Jobs program throughout the state. This collaboration is set to provide a substantial boost to employment opportunities within Queensland's marine sector, which boasts the highest concentration of marine businesses in Australia. - read more
BIA and AFTA Collaborate to Enhance Boating and Fishing Industries
BIA and AFTA Collaborate to Enhance Boating and Fishing Industries
06 Nov 2025: Paige Estritori
In a significant move for Australia's outdoor recreation sector, the Boating Industry Association (BIA) and the Australian Fishing Trade Association (AFTA) have formalised an agreement to collaborate more closely. This partnership is designed to benefit their combined membership base and bolster support for boat-based fishing across the nation. - read more
South Australia's Algal Bloom: A Challenge for the Marine Industry
South Australia's Algal Bloom: A Challenge for the Marine Industry
29 Oct 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
Maritimo's Resilience: A Beacon in Australian Yacht Manufacturing
Maritimo's Resilience: A Beacon in Australian Yacht Manufacturing
29 Oct 2025: Paige Estritori
In an era where many Australian manufacturing sectors have faced decline, Gold Coast-based luxury yacht builder Maritimo stands out as a testament to resilience and innovation. Founded in 2003 by marine industry veteran Bill Barry-Cotter, Maritimo has not only weathered economic challenges but has also secured a robust order book, with production slots filled for the next three years. - read more
Mercury Marine's Dominance at the Sydney International Boat Show
Mercury Marine's Dominance at the Sydney International Boat Show
29 Oct 2025: Paige Estritori
Mercury Marine, a division of Brunswick Corporation, has solidified its position as a leader in the marine industry by accounting for 50% of all outboard engines displayed at the Sydney International Boat Show. This achievement not only highlights Mercury's market dominance but also underscores its strong partnerships with boat builders and dealers across Australia. - read more
Engage Marine Secures Funding Partner to Fuel National Expansion
Engage Marine Secures Funding Partner to Fuel National Expansion
21 Oct 2025: Paige Estritori
Engage Marine, a leading provider of marine services in Australia, has announced a strategic partnership with PGIM Private Capital to fund its growth opportunities and expand its services nationwide. PGIM Private Capital, the private capital arm of Prudential Financial, Inc., is a prominent source of private debt for public and private companies globally. - read more
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Knowledgebase
Debt Consolidation:
Debt consolidation usually involves negotiating a new loan to pay other existing loans in order to get more favourable interest rates and terms.


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