no deposit boat loans 2

No deposit

Boat Finance 

Let us find you the best boat loan

  • Best boat financing rates in Australia
  • Online boat financing application
  • New and used boat financing 
*T&C apply. Student and visitor visas not eligible 

What our customers say 

About their boat finance experience 

How we make boat finance work for you

We are experts at making boat loans fast and easy


With one of the largest lending panels in Australia, it is easy to offer you the best boat loans.


Online leisure loan application; easily upload and sign documents directly from your phone or computer. 

Great Low
Boat Rates 

Our massive lending panel allows us to find you the best boat loan rates.

Soft Credit

We care about you, so we make sure we don't impact your credit score.


With our fintech platform, we match you with a lender and pre-approve your boat loan in minutes. 

One on one consultancy

Our team of more than 150 boat finance brokers work with you until your boat loan finance is settled. 

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How it works

Need boat finance? Follow our 4 steps process to apply online and get an answer in minutes. 



Application progress
It takes only two minutes to make an online boat loan application. No lengthy questions. Apply now.


Application progress
With our online boat loan application, easily upload documents directly from your phone or computer.

Get your
personalised rate

Application progress

Our automated finance software ZINK matches you with a lender and get you the best boat loan interest rate for your circumstances.



Application progress

Get approved and power away!


Meet Our Panel Of +40 Lenders

asset finance broker mildura lenders 1
asset finance broker mildura lenders
asset finance broker mildura lenders 1
asset finance broker mildura lenders 1
asset finance broker mildura lenders 1
asset finance broker mildura lenders 1
asset finance broker mildura lenders 1
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Frequently Asked Questions

About Ausloans Caravan Finance 

Applying for a caravan loan

Getting my loan approved

Paying my loan

More about Ausloans Boat Finance

Your leisure loans questions answered

Can I finance a used boat? And, how old can be a boat to get financing?

Yes, with Ausloans, you can easily get approved for a second-hand boat. Used boat financing can be an excellent option if you are looking to drive away into the ocean without having to pay a premium price. Our 40+ lender panel allow us to have plenty of options to finance boats of all ages. 

Can I get approved for a boat loan if I don’t have a deposit?

Don't worry, at Ausloans we offer no deposit boat finance, which means 100% of the purchase price is included in the boat loan package. So, if you don't have the funds upfront to buy the boat of your dreams, you still have the chance of getting your boat finance approved depending on your specific circumstances.

Can I get approved for a boat loan if I have poor credit?

Yes, you can get approved for a poor credit boat loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit we might be able to help you. To assist bad credit boat finance applicants we created 1800Approved, an established finance brand specialising in credit rehabilitation for mid and subprime lending for both consumer and commercial applicants that specialised in second chance boat financing.

Do I need comprehensive insurance on my boat?

Yes, most of the time we require comprehensive insurance on your marine boat finance. Consider that, if you're applying for an unsecured boat loan, comprehensive insurance is mandatory. Our team of asset finance brokers can help you arrange comprehensive insurance if you wish.  

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Easy Boat Finance Repayment Options

Knowing your boat financing payment options can help you manage your finances better

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Fixed Interest Rate With this type of loan, your monthly payment is fixed for the entire term of the loan. This is perfect for those who are budget conscious and wants to know exactly what they need to pay month after month.

Balloon Payment This means you pay a lump sum at the end of the loan term and you also have the option to refinance the lump sum in case you do not have ready money for it. One of the main advantages of having a balloon payment is that your monthly repayments are low.

Early Loan Termination – If you have extra money, you may want to pay off your loan early to save on interest payment and to free yourself from the burden of paying month after month. Lenders may charge an early termination fee though so make sure to ask about this option if early loan termination is a possibility for you.

Additional Payments – This is one of the best features many of our lender partners provide. When you pay more every month you can actually save on your interest payments and pay off the leisure loan early.

New or Used Private Sale Boat Loan

Buying new or used boat have their own advantages and disadvantages

Money is not the only factor when deciding whether to buy a new or used boat. First-time buyers may find it better to buy a used boat in order to decide whether a boat is really fit for their lifestyle. 

New Boats

  • Lower interest rate.
  • Manufacturer’s warranty.
  • New and advanced technology.
  • Option to custom-build your boat. 

Used Boats

  • Low price.
  • Ability to buy high-end models without the high-end price.
  • Slower depreciation than brand new ones.
  • No waiting time for delivery.

Types of Boat Financing

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Secured Boat Loan – In a secured leisure loan, the boat serves as a security for the loan and the lender can repossess and sell it in case you default on the loan. Interest rates are usually lower if the boat loan is secured.

Unsecured Boat Loan – This is the opposite of a secured loan. The boat is not tied to the loan and therefore cannot be taken if you fail to make repayments. If the boat loan is unsecured, interest rates are higher and you must have comprehensive insurance. 

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Trusted by the best in the vehicle industry

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Ready for your next dream boat?
Get the best boat finance deals today!

1800 277 768

Apply Now


Representative example: Based on a $30,000 loan with an 84-month term for a borrower with excellent credit history at a comparison rate of 4.99% p.a. the estimated total amount payable per month is $444. Interest rates range from 4.99% p.a. (comparison rate 6.97% p.a.) to 12.37% p.a. (comparison rate 20.30% p.a.). Rates are subject to change depending on the rates offered by lenders in our Lending Markets. Ausloans Finance Group credit criteria and terms and conditions apply. 

Ausloans Finance Head Office: 1/33 Ereton Drive Arundel QLD