Marine trailer finance in Australia works much like other asset loans. You borrow a fixed amount to purchase a new or used boat or jet ski trailer, with repayments made over a set term — usually between 1 and 7 years. Most trailer loans are secured, meaning the trailer itself is used as collateral, which can help reduce your interest rate. If repayments aren't met, the lender may reclaim the asset under the loan terms.

You can finance trailers purchased from dealers, private sellers, auctions, or even custom manufacturers. Many lenders also allow trailer-only loans or the option to bundle the trailer with your boat, jet ski, or PWC into one loan. Unsecured options are also available, particularly for older trailers or borrowers wanting more flexibility. Whether for personal towing needs or business and commercial use, Ausloans compares 70+ lenders to find a trailer finance solution that fits your budget.

Absolutely. Whether you're replacing your current trailer or buying one separately from a boat, many lenders allow trailer-only finance. We help you compare your options and find the best fit.

Even with a low credit score or past defaults, we work with second chance lenders who may still approve your marine trailer loan.

Second chance marine trailer loans may come with slightly higher interest rates, but we’ll help match you with the most competitive option based on your current financial situation — not just your past. Our pre-approval process is fast, obligation-free, and won’t impact your credit score, so you can explore your options without risk. We’ll also guide you through steps that may improve your loan eligibility, like using a deposit or opting for balloon payments at the end of the loan.

Found a boat trailer or jetski trailer for sale on Facebook Marketplace, Gumtree or in your neighbourhood? No worries. We’ll help with PPSR checks, ownership validation, and secure payments to make the private sale process safe and smooth. 

The documents you’ll need for a boat loan include: 100 points of ID, recent payslips or proof of income (e.g. BAS if self-employed), bank statements (typically 90 days), and the details of the marine trailer you're buying. If it's a private sale, we’ll also help with seller info and appropriate asset checks. Don’t stress — your dedicated finance specialist will walk you through every step.

If you're ordering a custom-built trailer or buying directly from a manufacturer, we can help. Many lenders offer finance for built-to-order marine trailers, including those with specialty designs or commercial-grade builds. Just provide a quote or invoice from the manufacturer, and we’ll guide you through approval and settlement.

Absolutely. Whether you own a Sea-Doo, Yamaha WaveRunner, Racing Yacht, Water Foil, or any other type of personal watercraft, we can help you finance the trailer to go with it; even built-to-order marine trailers can be financed. Ausloans works with 70+ lenders to offer loans for both new and used PWC trailers, including single, dual, and custom setups. You can finance the trailer on its own or as part of a package — even through a private seller or direct from a manufacturer.

In most cases, marine trailer finance in Australia is considered a secured loan, especially for new or near-new trailers with clear identification (e.g. VIN or compliance plate). The lender may register the trailer on the PPSR as security. This often leads to lower interest rates and better loan terms. However, for older trailers or unsecured personal loans, the trailer won’t be listed as collateral.

Lenders may also consider the intended use of the trailer; whether the trailer is for personal or commercial use.