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Jet Ski Loans

Numerous jet ski enthusiasts have had success in dealing with us and we are proud to have delivered them with the lowest interest rates in the market. Whether you are a beginner or an experienced rider, we have the best finance solution that will suit your needs.


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Jet Ski Financing Guide

Determine the Jet Ski that Suits Your Experience and Riding Style

Jet skis may all look the same if you’re not familiar with the different models to choose from. There’s a solo jet ski, 2-seater, and a 3 to 4-seater Jet Ski. Apart from those, you can further classify them as recreational, performance, sport, or luxury.

Depending on your skill level, you may also choose a larger engine for more speed and power.

As you can see, there are decisions to be made and choosing the right Jet Ski that suits your skill level will determine how you will enjoy your new toy. If a jet ski is too powerful for you, you may not be able to handle it. If it’s under powered, you may feel that it is lacking.

Finding the right balance is key to enjoying your Jet Ski loan.

Yamaha Jet Ski Loan

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Set Your Budget

Jet skis don’t come cheap. The most expensive one, the Kawasaki Ultra 310LX, costs $17,999. You can buy a car with that money. On the other hand, the most affordable one is the Sea Doo Spark which costs $5,299.

If you are new to riding jet skis you may want to buy a cheaper model first and then decide whether the hobby really is for you. You can upgrade to a more capable model later on as your skills progress.

Cost to consider when owning a jet ski

Insurance – We’ve seen it so many times. Jet skis crashing onto each other or falling off the trailer. Just like a car, you need to protect your investment from those unfortunate events. Especially if you are financing one of those luxury jet skis.

Maintenance Costs – Just like your car, you need to regularly maintain your jet ski especially if you use it often. Regular oil change, spark plug replacement, battery replacement, and other things that need to be checked regularly.

If you are new to jet skis, I suggest having it serviced by experts until the time that you’re knowledgeable enough to DIY.

Repairs – Your jet ski will break down whether you like it or not. The older your jet ski gets, the more likely it is to need repairs even if you maintain it regularly.

Repair costs will depend on the component that needs repairing and the service fee at your local repair shop.

Compare Jet Ski Loans

Jet ski loans are not created equal. Many of them would cost you more in interest payment and fees if you do not do enough comparison and if you do not negotiate with your dealer.

When buying an asset like a jet ski, your excitement could do you harm than good. Sales agents are really good in detecting excitement and they will take advantage of that. I’ve seen too many buyers sign a contract not knowing that a better deal is out there waiting for them.

The key to getting the best deal and paying the least amount of interest is to take your time and go over each and every quote with a finance broker. That way he can help you break down the quote and determine all the other charges and fees that you need to pay aside from the interest.

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Know Your Jet Ski Financing Options

Monthly repayments are a big consideration. Aside from having a low interest rate, there are other factors that can help lower your repayments and help you pay off the loan early.

Variable Interest Rate – If you want to take advantage of the fluctuation of interest rates, then a variable interest rate is for you. Your monthly repayments could go up or down depending on the current interest rate.

Ask you lender about this option and how the varying interest rate will affect your repayments.

Fixed Interest Rate – Means you pay the same amount of interest for the entire term of the loan. This is good for budgeting since you know exactly what you need to pay every month.

Balloon Payment – Means that you pay a lump sum at the end of the loan term. This is perfect if you want a lower monthly repayments and you are expecting a large amount of money near the end of the loan term. You may also have the option to refinance the balloon payment if you do not have the money for it.

Additional Payments – Extra payments allow you to pay off your loan early and save on interest payments over time. Some lenders allow up to a certain amount only so make sure to ask about this option if you plan on paying extra every month.

Early Termination – Means you can pay off the entire loan early if you have the money and you want to get rid of the burden of having to pay month after month. You may need to pay an early termination fee if you go this route.

Types of Jet Ski Loans

Secured – With a secured loan, the jet ski, whether it is used or new, is used as collateral for the loan. The lender can repossess the jet ski if you fail to make repayments.

Unsecured – This type of loan is based solely on your credit history. No security is tied to the loan and the lender cannot repossess the jet ski if you default on the loan. The lender will try to recover their losses using other legal means

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Great work, Ausloans! Friendly kind service and went the whole way. — Gregory Hurley

Ausloans was awesome would highly recommend them to anyone, huge thank you to them for helping me sort out our situation — Tina Haley

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Great service, went the extra mile to get a deal done. — Heinz Schwarzer

Thank you so much for your help. I'm so happy I decided to go with you guys. Fantastic service from Ausloans.
— Tami

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