About MONEYME
Low rate boat loans
Bank-beating rates and no surprises. Get a quote to see your rate and repayments before you apply.
No credit score impact | Am I eligible?
Why our customers love us
Low rates that
beat the banks
MONEYME
from 6.70% p.a.
ANZ
from 8.18% p.a.
NAB
from 8.99% p.a.
Westpac
from 9.18% p.a.*
CommBank
from 9.64% p.a.
Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 31/03/25.
No credit score impact | Am I eligible?
A boat loan built around you
Great low rates
Low rates that beat the banks. Put more money back in your pocket.
Your loan, your timeline
Choose a loan term that fits your budget. No early repayment fees.
Get a quote in minutes
See your interest rate and repayments without impacting your credit score.
Same-day loans
Approvals and funding in as little as 60 minutes, even on weekends.
Award-winning lender
Low rates, no surprising fees
Variable interest rate
5.99
%p.a.
up to 24.49% p.a.
Comparison rate*
6.70
%p.a.
up to 25.87% p.a.
No credit score impact | Am I eligible?
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Establishment fee
$0 - $395
Loans up to $15,000
$0 - $495
Loans above $15,001
Loan term
3 to 7 years
Our fees
$10
Monthly fee
$0
Early exit fees
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Get a quote for a boat loan in minutes
You can check your boat loan interest rate and repayments online with an obligation-free quote. It only takes a few minutes and there's no impact on your credit score.
1
Check your rate and repayments
You can get a conditional loan offer in just minutes
without impacting your credit score!
2
Submit your application
Review your loan offer, accept it, and you'll get an
outcome typically within 60 minutes.
3
Same-day funding
Once approved, we'll transfer the money to your bank
account immediately, even on weekends.
No credit score impact | Am I eligible?
A different kind of lender
Quick quotes,
fast approvals
We cut out unnecessary
paperwork and delays with
lending that's fast, simple,
and built around you.
Transparent and
flexible
No lock in contracts, hidden
fees or surprises - just
flexible options that keep
you in control.
Real support,
real fast
Speak to a real person if you
have questions, we usually
answer calls in seconds.
For people and the
planet
We care about our social and
environmental impact, and
we're proudly B Corp
Certified.
No credit score impact | Am I eligible?
What is a boat loan?
A boat loan is a type of personal loan that helps you finance the purchase of a new or used boat. Whether you're eyeing a sleek jet ski, a fishing boat, or any type of vessel, a boat loan gives you the funds upfront so you can get out on the water sooner.
With MONEYME, our boat loans are unsecured, meaning you don’t need to offer your boat or another asset as collateral. You can check your rate and repayments with a personalised quote before applying, and the process is 100% online.
No credit score impact | Am I eligible?
Need a loan for something else?
Trusted by over 110,000 Aussies
Efficient service.
I have had no problems at all everything was done to my satisfaction at a fast and prompt manner.
DianeJan 11, 2023
Item 1 of 6
No credit score impact | Am I eligible?
Using your boat loan
A MONEYME boat loan gives you flexibility to cover a wide range of watercraft and related expenses, including:
- New or used boats
- Jet skis or personal watercraft
- Fishing or recreational vessels
- Registration and insurance costs
- Trailers and boating accessories
- Upgrades, repairs or marine servicing
- Safety gear and navigation equipment
From first-time buyers to experienced boat owners, our boat finance helps you take control of your purchase and plan with confidence.
Benefits of a boat loan with MONEYME
Whether you're looking for the best boat loans in Australia or simply a fast way to finance your next adventure, here’s how MONEYME stands out:
- Plan your purchase with confidence – Get a personalised quote in minutes to see how much you could borrow and what your repayments might look like, with no impact on your credit score. Or you could use our boat loan calculator to get a quick estimate.
- Same-day funding when you find the right boat – Once approved, funds are typically transferred to your bank account the same day so you can act quickly when the perfect vessel comes up for sale.
- No need for collateral – Our Australian boat loans are unsecured, meaning your boat stays yours and no assets are tied up
- Borrow what you need, repay on your terms – Choose a loan between $5,000 and $70,000 and repay over 3 to 7 years
- Full flexibility, no extra fees – Make extra repayments or pay off your loan early without penalty, and manage everything easily in the MONEYME app
Everything you need in one app
Get a quote or apply on-the-go in minutes and manage your account anytime, anywhere.
Purpose-driven
and responsible
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
Explore our impact
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present. Learn more about our commitment here.
Our business hours
Sydney/Melbourne time
Customers
Monday - Friday
8AM-7PM
Saturday
9AM-6PM
Sunday
Closed
Partners
Monday - Friday
8AM-5PM
Saturday & Sunday
9AM-3PM
Customer support
Copyright 2025 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.