Take Charge of
Your Boat Loan

Get Conditionally approved in 3 minutes

Lowest rates across the banks
and 20+ lenders

The smart way

to finance your next boat

Boat Buying Options

From Dealership, Private to Private, Boat Auctions, Boat Sales Websites, Other

Boat Finance Options

Secure & Unsecure Boat Loans, Fixed & Variable Options, Used or New Marine Finance

Boat Loan Amounts

$5,000 to $1m+

Test Drive Your Financing

Calculate your monthly repayment amount

Repayment Amounts

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*Calculator Disclaimer: This loan repayment / calculator simulation is not an offer and has no legal effect on any contracts entered into by you ‘the client’, this simulation and the resulting calculations ‘DO NOT CONSTITUTE A LOAN APPLICATION or OFFER’. It is a rough guide only for ease in simulation. All interest rates displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering, other benefits are based on a personalised application, credit worthiness and other assumptions do apply.

Loan Eligibility & Documents

 Are you eligible for a boat loan?

To apply with Direct Loans Australia you must:

Are over 18?

Have a current and valid driver’s licence?

Australian Resident?

Working fulltime, min 6 months

Earn over $30k per annum

Documentation needed for your loan?

100-point ID is needed and consists of a combination of the following

Current Australian Passport

Valid Australian Driver’s licence

Australian Medicare card

Current bank statement, confirming your name

Current payslip no older than 60 days


Get the right rate – We achieve the very best possible interest rate

  • At Direct Loans Australia we only partner with Australia’s leading brands in marine finance.
  • Our loan experts can instantly provide you with the lowest rate options available for your needs.
  • Get the lowest fixed or variable rate available – even access exclusive deals

Get the right features – We ensure the right features of the loan to suite you

  • End to end service to incorporate all the loan features you want plus many you may not know about.
  • Save more by understanding lesser-known features such as daily balanced accounts, seasonal payments, establishment and account keeping fees.
  • Get add on features such as encumbrances and title checks along with ways to fund insurance requirements and more.

Get the right terms – We will negotiate for the terms and conditions that are favourable to you

  • Flexibility with repayment frequency, to ensure it suites your monthly budget.
  • Interest rates, that are fixed for the duration of your account and no penalties for additional payments.
  • Set your loan period up to 5 years with the ability to extend.


Need some help? Below are some common questions. If you can’t find your question or just need some help, call us on 1300 38 00 08

Why don’t you advertise rates?

We have access to market leading rates across Australia’s leading brands in marine finance, not to mention exclusive rates. We don’t believe in advertising the lowest rate to only then tell a borrower they may not qualify for it. We do provide full disclosure of rates available to each enquirer based on their particular background and circumstances.

In most situations, we are able to provide the lowest or most competitive rate attached with the best features and terms.

Are there any restrictions with your boat loans?

Different lenders definitely have different restrictions, guidelines and features that can be frustrating. There is nothing more irritating than having strict criteria on what you can or cannot purchase.

At Direct Loans Australia we are able to provide you with options across – lowest rate, features and benefits on whatever type of boat finance you want – not restricting you to un-flexible buying options.

Buy privately, from dealerships, auctions, websites or any other boat sales option.

How can Direct Loans Australia save me money?

Our boat loan specialist are product experts and can quickly help you find savings that go beyond rate – by providing you with detail on little known features that can have a big impact on your bottom line.

There is no obligation in speaking with one of our experts and they can help you increase your loan savings, buying power or possibly both.

How long does it take to get approved with funds transferred to me?

We have options to provide full approval and funding generally within 24hrs. The speed of approval is largely based on how quick you can provide the necessary documentation. In most cases, documents required include your most recent payslip, Medicare card and driver’s licence that constitutes your 100 point ID verification.

Am I able to purchase a boat privately?

Direct Loans Australia can provide private or dealership financing and while private boat sale loans are one of our strongest features – our aim is always to help you get the right financing to get you on the water faster.

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