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Personal loans Boat loans

Boat loans

Get on the water faster

Personalised rates from 6.99%¹

Won’t affect your credit score

Canstar winner 5 years in a row
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canstar 2019 v2

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.

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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 Clear and very easy instructions. Instant answers. Great online application.
Money was in my account on the same day I was approved for the loan. Excellent!
Wellington , New Zealand
5.0 Very fast Profesional great service would recommend to anyone needing finance New Zealand
5.0 Very efficient and great service from Harmoney with an easy to follow process towards my personal loan, thank you Harmoney. New Zealand
5.0 Very quick to sort out my initial issue and had the loan approved next day, thats what I call excellent Customer Service! New Zealand
5.0 Always great to use for personal loans. Much easier and more straightforward than banks. New Zealand
5.0 The best loan experience i have ever had cheers New Zealand
5.0 The process has been updated so the terms and conditions and loan agreement are lodged online in the logon rather than being emailed, this makes the process even more user-friendly than what it was previously and even then it was great!
Thre was a system glitch but this was resolved very quickly.
New Zealand
5.0 Thank you for making the loan process so very easy. Your customer service people are awesome New Zealand
5.0 very easy to work though and am great full of the loan Northland, New Zealand
5.0 Wow so quick and easy really took the stress out of requesting a loan New Zealand
5.0 Thank you for once again for making the loan process a smooth & friendly process, super fast response time, excellent customer service team members...thanks for making our day, very grateful New Zealand
5.0 Always quick and easy to apply for loans with confirmation received almost immediately. Excellent process and service. New Zealand
5.0 The best loan company I have ever dealt with New Zealand
5.0 So quick do personal no stupid questions. Just great to deal with. Eould recommend to anyone 10 out of 10. Thank you once again. New Zealand
5.0 Such a good team, my loan approved with 24hrs New Zealand
5.0 Best way to get a loan and easy. Will use them again! New Zealand
5.0 Really easy to deal with and great team on board that figures out if people are financially able to apply for loans or top ups. Really happy with harmoney's service. New Zealand
5.0 Awesome service. Sorted a top up loan within an hour. Thanks Harmony!!! New Zealand
5.0 Wow never had a majority automated loan approval process like that. It was really quick. New Zealand
5.0 I initially had a few issues with applying online, however I was very impressed by your staff who contacted me and my husband to who was able to help us get our loan approved. We are truly grateful. Thank you so much to your team New Zealand
5.0 I am very happy with the whole ordeal. Very smooth and no problems what so ever. Felt very confident and relaxed through my loan. Thank you very much Harmoney. Merry Xmas New Zealand
5.0 This has been one of the best experiences I've had with finances in a long time, I had a few technical difficulties during the day but the team members I spoke to were lovely and extremely helpful, I really appreciate it. New Zealand
5.0 excellent service as always prompt & great communication from harmoney staff
highly recommended & have advised family & friends of harmoneys loan services
New Zealand
5.0 So easy and fast ...was great not having to log into different things just to get your finances... New Zealand
5.0 Easiest loan application ever. Seamless and great service. New Zealand
5.0 Great service, loan approved in 1 hour. New Zealand
5.0 Thank you guys excellent job when I need a loan well done thanks Harmony. New Zealand
5.0 Completely amazed to be honest (at the speed and ease of the loan process here). Stunned actually. Speechless.

Granted that my credit rating is 1000 and that I have a guaranteed permanent secondary teaching position but I have NEVER experienced or expected anything as smooth as this Harmony process (FYI: I am 57 years old and a property owner of one rental and have gone through many mortgage and loan applications in the last 20 years. I also have an extensive 30-year secondary teaching career alongside this).

Despite my strong credit history, no hire purchases, an $82 000 salary (guaranteed), and a $610 weekly rental income, my regular bank would not loan me the extra $10 000 needed to complete a new sleepout because, in their view, I was reaching beyond a financial ceiling that they would not finance.

It left me in a pretty pickle as I wanted to complete the sleepout in Christchurch before the 2021 academic year so that I could take advantage of the influx of NZ students into the city post-New Year. The conceting and foundation is down already so, really, it is not going to take too much to complete the actual structure.

My regular bank simply did not want to know despite an extremely positive valuation from a registered and accredited valuer.

Getting this loan is actually a kind of miracle for me. The property has been in my family's hands for 45 years but now I am really adding value and getting some good returns on it (I am also not over-leveraged compared to Auckland properties).

All I can say is, THANK YOU Harmony as I don't have to go back to my bank anymore to beg for the funds required.

Can I also add that I am greatly heartened that I can pay the loan back at anytime without any financial penalty. It really is a great deal tbh and I would recommend this lender to anyone out there who is stuck for funds
New Zealand
5.0 Harmoney has always been a very good loan provider thank you for making life easier for me, and being able to afford life changes. New Zealand
5.0 Great quick service, fast loan turnaround A+++ New Zealand
5.0 Harmoney is a good honest transparent loan company. Thanks heaps!! New Zealand
5.0 Easy quick and loan terms are fair and interest rates are good. Good experience New Zealand
5.0 Great application service. Thanks for an easy Loan process. Highly recommend :) New Zealand
5.0 I will be forever so grateful to Harmony for reaching out to help when I needed to consolidate my loans and to help with my mother's eye surgery within minutes. It took me a good 20 mins just to sit and embrace the the great news. New Zealand
5.0 Very good patience by Mel on phone explaining loan process, and acceptance. Simple application process and clearly explained next steps New Zealand
5.0 Harmoney never fails to help, truly one of the best finance company to deal with. They always give options and I believe they always have your best interest at heart, thanks Team New Zealand
5.0 Harmoney is incredibly painless, great UX. I love the non-personal aspect of it. New Zealand
5.0 Very efficient professional experience. Thanks Harmony for the stress free loan approval at great competitive rates New Zealand
5.0 Fast and affordable
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave
Auckland, New Zealand
5.0 It’s great to have loan process so easy.
Not too many requirements.
New Zealand
5.0 Thank you for the great stress free service. It was so easy to apply and receiving the notification "your loan is approved" is by far the most wonderful news to receive on a Friday afternoon. God Bless Team Harmoney Auckland, New Zealand
5.0 Great service, great loan provider New Zealand
5.0 I have been a customer for a few years now and you guys are the best loan company to deal with New Zealand
5.0 Harmony is best loan, very simple and easy to apply. They respond very fast.
Thank to Harmony.
New Zealand
5.0 It was great to get a loan and tahnk you, but if you take too long in the debt section it times out and does not save your information, it was very frustrating. Thanks, Sofia New Zealand
5.0 Excellent finance provider, extremely efficient and fast process. New Zealand
5.0 hassle free and great to see a real time loan balance New Zealand
5.0 Application was easy to fill out and request loan. Communication was very good, always knew where my application was in the system BOP, New Zealand
5.0 So helpful and good finance New Zealand
5.0 Excellent service, love that we have been recognised for being good payers and been given a loan at a good interest rate. Thank you New Zealand
5.0 Simply the best, easy user friendly loan application system, 10/10 New Zealand
5.0 Excellent most of my loan's have been approved so I am hoping this is approved be a great Christmas gift thanks Rotorua,bay of plenty, New Zealand
5.0 best experience looking for a loan, service was great, quick and easy New Zealand
5.0 Great
Working in the finance industry aside from my errors in submitting its very slick
New Zealand
5.0 Harmoney has been the best, Thank you for loan. Esp Jason for helping me finish this. Excellent help and service New Zealand
5.0 Great service, well done to establishing such an efficient loan lending terms. New Zealand
5.0 Quick, easy and affordable process. This loan has enabled me to grow my business by investing in much needed plant. I was given a pre approved amount which gave me confidence to complete the purchase prior to drawing down the funds. Thanks New Zealand
5.0 Very easy and quick application, confident that personal details are confidential. New Zealand
5.0 Easy and quick service. My loan was approved in just 5 minutes.
Easy to follow instructions.
I compared with other agencies and harmony had the best offer.
, New Zealand
5.0 Best Finance in the world Auckland - Central, New Zealand
5.0 Adam is a genius, I am computer illiterate. Having someone as awesome and helpful like Adam in your team gives reassurance and determination for individuals like me to advance on the the Harmoney Loan. Adam, You are a Legend and a great asset to Harmoney, I hope that your company realizes that fact as well New Zealand
5.0 Pretty Hi-Tech, good navigation to get loan approved. New Zealand
5.0 So easy and quick, the best online loan service you can get. New Zealand
5.0 Awesome friendly service and very polite and professional. The person who initiated the loan for me was fantastic on the phone, he was very knowledgeable and pleasant. Well done!! Waikato, New Zealand
5.0 Excellent service and loan approval process is really fast Christchurch Central, New Zealand
5.0 Great support from staff to assist with loan process. Quick service New Zealand
5.0 Harmoney has helped me a lot with my Finances. Great service. New Zealand
5.0 Harmony loan process is by far the best ever/stress free process. This is the easiest & efficient financial provider in NZ. New Zealand
5.0 I have found applying for my loan Quick and easy and response time excellent New Zealand
5.0 Kirsten is very nice and helpful to get this loan faster. Excellent customer service. New Zealand
5.0 very impressed with the easy online processing of the loan New Zealand
5.0 I didn't know about harmony before this application and found out about it through another website and that it is a very good way of getting a loan when needed New Zealand
5.0 Getting a loan was faster than expected and also in really good interest rates New Zealand
5.0 The best investment loan company around, from the people for the people New Zealand
5.0 Excellent way to arrange finance. New Zealand
5.0 The team at Harmoney is amazing ! Much thanks to Paula who assisted me with my loan today and making it easier for me. youre awesome ! cheers ! New Zealand
5.0 I am very happy with my experience with Harmoney. It is excellent and stress free. I have recommended Harmoney to everyone I know and most of them have Harmoney loans approved. So THANK YOU Harmoney Wellington , New Zealand
5.0 It's an awesome feeling when a loan application is successful. But the service just makes it that much better New Zealand
5.0 Very professional customer service; Kristen Gamble kept me in communication through the loan application process. Advised me on what was required to complete the application for review. Excellent work Kristen. Much appreciated. Auckland, New Zealand
5.0 I love how easy it is to apply for a loan. It is an awesome company with great lenders New Zealand
5.0 so far it's good just wait to see how i get on with my new loan Bay of Plenty, New Zealand
5.0 Adam was very efficient and fast.. he was so fast tracking my info n get processed away..whereas i have been emailing yr details to ana n cust service for more than 2 weeks n no correspondences.. Atama has been onto it n would.b b great to have more people like him.. very professional n understand my needs very well.. i would recommend him to any finance or any banks for employment.. Thanks Atama.. you are a legend New Zealand
5.0 Simply said: I will never go to a bank for a personal loan again. Ever! Harmoney your awesome! New Zealand
5.0 Great to have this all on-line and great back up team as i needed to discuss my lending which was a bit different with investment properties. Great team New Zealand
5.0 The easiest, fastest and sufficient loan process ever! thank you Harmoney for making this process great ! New Zealand
5.0 Great service, easy to use and understand the loan repayments. New Zealand
5.0 Easy and super fast application. What a great help for our family. I wish they have an annual review of loan rates and give customers a reduced rate for those who who are a a good payer. This will give them confidence and encouragement as they will see it an incentive and feels that Harmoney cares even more. Auckland, New Zealand
5.0 I would 150% recommend Harmoney to anyone needing finances. Super easy to use, great communication and wonderful timing! I absolutely love :) Auckland, New Zealand
5.0 So straight forward and easy. Excellent company to deal with. My loan was funded in 1 hour which far exceeded my expectations. Would happily recommend to all Manawatu , New Zealand
5.0 Approval was quick, Easy to follow prompts in each section of the Application , customer service was pleasant and helpful would recommend to friends and family, it’s also good that Harmony Reviews The Loan after 6 months of prompt payments , we are happy CUSTOMERS.THANKYOU , Colin And Bing Edwin New Zealand
5.0 Best and easy method of service when it comes to Loan New Zealand
5.0 Cannot fault the in-depth detail on applying for loan. People skills so awesome New Zealand
5.0 Best loan company I've ever dealt with and very user friendly application New Zealand
5.0 Michael Kouk has been invaluable explaining everything to me. He is awesome! This has been a pleasant experience considering it is a loan application. Amazing! New Zealand
5.0 Thank you Harmoney for making the whole loan process stress free. We are return customers because of this. Excellent, efficient service from start to finish. New Zealand
5.0 Good fast Service & getting loan very happy Craig New Zealand
5.0 Very easy on-line experience
Establishment fee of around 3.2% of loan value perhaps a little high, but understandable given non-secured nature of loan.
Well structured convenants within disclosure documentation setting out obligations and also nature of early repayment if undertaken.
Could be beneficial (for decision making by borrower) to include actual cost of borrowing (including fees) calculator as can be utilised on such sites as
Good follow up by help-desk operator.
Southland, New Zealand
5.0 Harmony you are great loan details really easy to follow New Zealand
5.0 Its very easy, i love doing loans with them, it is also great that they get back to us real quick weither it be with quiries or replying to mails. Love them and always recommend family to borrow with them. New Zealand
5.0 Best finance company out there bar none New Zealand

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.

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 or 5 years

Loan terms

Establishment fee

Early repayment fee
  • Interest rates from 6.99% p.a.19.99% p.a.¹
  • Establishment fee of $150²
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

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

See what personal interest rate and repayments you can expect on your boat loan with our quick estimate loan calculator.

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

No face-to-face interaction required, apply and be approved online.

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Able to pay off your loan early? Great! We won’t charge you anything extra.

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We use your credit profile to automatically calculate your personal interest rate.

About boat loans

A boat loan is a personal loan that can be used to cover expenses associated with purchasing, owning and maintaining a boat.

This could include the purchase price, repairs, maintenance, storage, accessories and equipment up to the value of your approved loan limit. There are various types of boat loans and it’s important to understand how they work when deciding which type of loan is right for you.

Unsecured boat loan

An unsecured boat loan is a loan which does not require your boat (or another asset) to be offered as security. This means your boat will not be repossessed if you default on your loan or have trouble making payments. Penalties are still charged for late payment, but this is a safer option than a secured loan.

All Harmoney boat loans are unsecured.

Secured boat loan

In the case of a secured boat loan, security (or collateral) is provided on the loan. This can either be the boat itself or another asset. If you default on a secured boat loan, your collateral can be seized by the loan provider.

Secured boat loans are not provided by Harmoney.

Dealer finance

Boat sellers will often offer their own finance, much like car dealerships. While these may seem attractive, often offering low-interest rates and other perks, they typically require a deposit and, like a secured loan, will keep the boat as security. Dealer finance often works out to be more expensive than third party loans, especially for those with bad credit.

Fixed and variable loans

There are two types of interest rates you can have on your loan: fixed and variable. A fixed interest rate is one that will stay the same despite outside influences, making it easier to budget and plan for the future. Meanwhile, a variable rate will rise and fall with the economy, making it a riskier option.

At Harmoney, our loans always have fixed rates so you can know in advance what your payments will be throughout your loan term.

Get moving today

Apply online for a boat loan and live your boating dreams.

Types of personal loans

Harmoney can help you with a loan for the things you need.

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Ready to upgrade or buy your dream car? Get that new or used vehicle sooner with an online loan.

Find out more

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Don’t let money get in the way of your education. Get help with your education expenses with a Harmoney loan.

Find out more

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Debt consolidation means making one simple payment on a new loan in place of your current debts.

Find out more

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If you’re desperate for a getaway but don’t have the means a Harmoney holiday loan could send you on your way.

Find out more

wedding prepare

Focus on planning the details of your dream day and leave the finances to us. A wedding loan from Harmoney can provide the funds to bring your wedding plans to life.

Find out more

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Whether you’re launching a start-up or want to expand your established business a Harmoney business loan can help turn your business dreams into reality.

Find out more

start now

If you’re ready to turn those renovation goals into reality a renovation loan from Harmoney can get the ball rolling.

Find out more

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A Harmoney medical expenses loan can help ease the burden of unexpected or ongoing medical costs.

Find out more

We're real people and here if you need us

If you need help, just give us a call on 0800 427 666 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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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loan terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $150 for loans from $2,000 to $70,000. Fixed rates range from 6.99% p.a. to 19.99% p.a. on 36 to 60 month terms, with no early repayment penalties.