Boat & Marine Loans


100% online
Rates from 6.99% p.a.
Up to $50K unsecured
99% funded in 24hrs

Boat and Marine Loans

Boat and Marine Loans

100% online
Rates from 6.99% p.a.
Up to $50K unsecured
99% of loans funded in 24 hours

Harmoney is New Zealand's leading Peer-to-Peer money Marketplace, where everyday people lend money to other everyday people.

Why get your boat loan through Harmoney?


100% online process.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.


Rates from 6.99% p.a.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Up to $50,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Quick Estimate

I want to borrow ...
My credit history is ...
Estimated repayments*
3 yr term
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5 yr term
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*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and submit your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Establishment fee of $200 for loans below $5,000 and $450 for loans $5,000 and above. Some charges may apply — see Rates and Fees for details.

Getting a boat loan through Harmoney is simple.

Looking for a new boat but need some help with finance? Get a marine loan funded by Kiwis in New Zealand’s first licensed peer-to-peer lending marketplace. Our simple boat loan application is 100% online, and you could have your loan fully funded (and the money in your account!) in as little as 48 hours after listing it on our marketplace*.

*Loans that reach full funding before 4pm on a weekday will have funds disbursed that night. Loans that reach full funding on weekends or public holidays will have funds disbursed the following business day.

Our Boat Loan Calculator

It's simple. Just tell us how much you’re looking to borrow for your finance – up to $50,000 – and we’ll give you an indication of what your repayments could be. Use the loans calculator.

Fair interest rates

Harmoney’s peer-to-peer marketplace provides peer-to-peer loans that offer fair interest rates to Borrowers and Lenders. Our personal loan interest rates start at 6.99% p.a., and are set based on your assigned risk grade, tailored to your individual circumstances. Plus, Harmoney only offers unsecured loans, so you won’t have to put your new boat on the line.

When you’re looking at boat finance it can be tricky to compare loan options, with some other providers offering low-interest loans with a catch. Our 100% online application process is obligation-free, so you can find out how much you could be approved for, and what interest rate applies to you, without making any commitments. With Harmoney you even get the flexibility to pay off your loan early with no early repayment penalties. Before committing to your loan you’ll be confident that you already know the interest rates, with our fees outlined in advance.  Read our interest rates and fees schedule to see for yourself.

Fixed Fees and boat Loan Repayments

Have the flexibility to pay off your loan early, with no early repayment penalties. All Harmoney’s marketplace loans have a fixed interest rate, so your regular repayment amount won’t increase during the course of your loan. We’re totally open about our fees, with no hidden fine print, so you won’t get stuck with a payment plan you can’t afford.

Peer-to-peer Lending

Want a better way to borrow money? Peer-to-peer lending connects Borrowers and Lenders through an online marketplace. It's changing the way the world lends, and we've brought it to NZ with our intuitive, 100% online process. Get a loan that's funded by Kiwis, and enjoy a better experience. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Applying for a Peer-to-Peer Boat Loan

When you list your boat loan on Harmoney’s peer-to-peer lending marketplace, Lenders browsing the marketplace can choose to fund you. Before we can present your marine loan application to our Lenders, we need to verify your ID and your finances. We’ll let you know whether your application is approved, and if so, you’ll be provided with a loan offer. This is where you’ll get to confirm the amount you want to borrow, and select the term of your loan.

Once you’ve reviewed your loan offer, we’ll ask you to share your story with the Lenders who might fund you– tell them why purchasing this boat is so important to you, and why you’re a good investment. Does it mean you can sail further? Teach your kids how to catch a marlin? A loan story that convinces Lenders that you’re a good choice could increase the speed at which your loan is funded.

Whatever your reason, applying for a personal loan through Harmoney is obligation-free. Our loans are also unsecured, so you don’t have to put your house or boat on the line to get the finance you need.

Why Choose a Peer-to-Peer Personal Loan for Your Next Boat Purchase?

Deciding to purchase a new boat, yacht or marina berth, is always going to be a big decision. It’s important to choose a boat that’s suited to you and your family’s needs, and that its upfront cost and ongoing maintenance are things your finances can keep up with.

A newer boat usually has a higher upfront cost, but fewer ongoing costs, while an older boat can be the opposite. In the long run, a cheaper boat may cost you more, so it’s important to research the models you’re looking at and do the math.

Once you’ve got all that figured out, calculating the size of your boat loan may be a bit easier.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

*The Legal Stuff

Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion.