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Boat Finance FAQs

Below we have included some of our most Frequently Asked Questions regarding boat finance. Click on a question to expand. Can't find an answer for your query? Please contact us and one of our friendly staff will assist.

After I complete a boat finance application online what happens then?

1 - After completing our easy online application form, one of our experienced consultants will call you to complete a detailed application.

2- The proposal will then be submitted to one of the financiers from our lending panel.

Are there any benefits in getting a pre-approval for my boat loan?


With a pre-approved boat loan you are in a better negotiating position when dealing with a dealership or private seller.

Knowing you are approved, you can shop with confidence. It can also save you from any embarrassment if for some reason your loan is not approved after you have already committed to your new purchase!

What’s involved in the boat loan application process?

This is a simple process which can take as little as 5-10 minutes and can be done online or by phoning our office on 1300 880 883. 

You will already have most of the information we require without having to look for paperwork.

How long does a boat loan take to be approved?

The approval time for marine finance generally is dictated by the lender. But as a major introducer of boating business with several major financiers on our lending panel, we strive to get answers without unnecessary delays.

The time range can be 2 hours to 48 hours and depends on the loan size and complexity.

We will try to push the application approval through as quickly as possible.

How long does a pre-approved boat loan last for?

Pre-approved loans generally last for 30 days, however if you stay in touch and keep us informed on how your boat search is going, we can arrange an extension of time to your pre-approval if you haven't found anything suitable within 30 days.

I have had bad credit problems in the past. Can you help me?

Yes, but this is on a case by case basis.  Phone 1300 880 883 to talk to one of our friendly consultants.

Should I apply to more than one finance company?

Generally no, the excess activity on your credit file will hinder your chances of gaining approval.

Finance applications should be limited.

As experienced finance brokers with a competitive lending panel we analyse each application and select the best financier for your individual need.

Can you arrange loans for anywhere in Australian?

Yes, is the simple answer. can provide finance anywhere in Australia.

Call us if you are unsure so we can assess your situation on 1300 880 883.

Does it matter if the boat I want is through a dealer or private sale?

Regardless of where you find the boat you are looking for, our aim is to get your loan approved, contact the vendor to arrange invoicing and have you out on the water as soon as possible. 

We work for you not the boat dealer or seller.  We work to get you the best approval we can.

Find your boat on Boat Point, Boat Sales, your local Newspaper, boat auction, private sale or local marine dealer and we will help you through the process.

Who is Boat Finance?

Finance Brokers Association Australia MemberBoat Finance is part of one of Australia's leading finance brokerage businesses;  Aussie Finance Pty Ltd | ACN 115 027 140 | Credit representative number 496991.


We hold an Australian Credit Licence (496991) and are members of the Financial Ombudsman Service (FOS) and the Finance Brokers Association of Australia (FBAA).

Read more about Boat Finance.

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