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Personal loans Boat loans

Boat loans

Start floating your boat.

Fixed personalised interest rates from 9.99% p.a. to 24.99% p.a. (plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar's most awarded Personal Loan (ever)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL
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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 I had reservations about going for a loan but Harmoney was so easy and simple and quick to do online that it was amazing. I'm impressed. new zealand
5.0 Best finance company. Easy to deal with new zealand
5.0 Easy and quick loan process, great customer service. new zealand
5.0 Excellent quick service, love the loan structure!! new zealand
5.0 This is my second time asking Harmoney for financial help and right away they did not hesitate to lend me a hand. They are the best in the country, with their top notch service, easy to understand process and their unbeaten rates new zealand
5.0 The best Finance company ever! Highly recommend!! new zealand
5.0 Fantastic service, clear communication. Third loan with them and still very impressed. They made this process about 3x faster than three other loam companies I tried to work with. new zealand
5.0 Easy and very fast already did a loan with harmoney in the past and their communication and services have been the best new zealand
5.0 I have found harmoney to be very good and fast in getting my loan completed. new zealand
5.0 The best finance company new zealand
5.0 Great service and knowledgeable too. Super helpful and understanding with a lot of my questions gave me peace of mind in my decision to choose Harmony for my first loan. new zealand
5.0 Awesome fast easy service and helping me get ahead with my finance love it new zealand
5.0 Always willing to help and make getting loan so much easier when you have a good pay history new zealand
5.0 Awesome Service as always!!! I most definitely recommend Harmoney as a lender. I wish that I had tried them years ago, and now always come back should I need a loan. Very helpful, understanding and friendly team :) thank you Harmoney! new zealand
5.0 I know it is so easy to say you did good based on a approval of loan, but for me it is so much more then that, you have given me the ability to be stress free and go away after a big loss and really take care of me and I really do appreciate it, I have no words to thank you all so much it.was quick and easy. Thank you so much. 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, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 9.89%* p.a to 21.49% p.a.
  • Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

Common boat loan questions

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

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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.Loan terms subject to availability.

2. Subject to approval. 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 you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.