Family considers getting boat loan
Family considers getting boat loan

The world's best coastline is calling. Drop us a line

Let's hit the waves: Boat finance and jetski finance

Nothing beats our magnificent coastline. Imagine the sun beating down as you ride the waves, explore new beaches and appreciate nature’s beauty. Or maybe you’ve finally found the perfect fishing spot. Either way, we’ll help you focus on the tide rather than getting tied up in finance jargon.

With a fixed rate of 9.49% p.a. (10.82% p.a. comparison rate^) – it’s just another way you can hit the waves sooner. Simply apply online with Pepper Money today.

Why finance your watercraft with Pepper Money?

A fixed interest rate that won't change during your loan

Tailor your repayments with balloon and deposit options

Quick turnaround - we'll give you a decision by the next business day!

Boat and Jet Ski financed by Pepper Money

See what your repayments might look like if you apply direct with Pepper Money

^ Comparison Rates are calculated based on a secured loan of $30,000 and a term of 5 years. WARNING This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications are subject to credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Credit is provided by Pepper Asset Finance Pty Ltd CAN 165 183 317 Australian Credit Licence 458899.

What is the eligibility criteria?

  • You are an Australian citizen, permanent resident or hold a relevant work visa.
  • You are currently employed and not on probation (full time/part time/casual > than 6 months).
  • You have no current unpaid credit defaults or prior bankruptcies.
  • You hold a current Passport or current Australian Drivers Licence.    
  • Apply online direct with Pepper Money or call us on 1300 131 572.

Ready to take the next step?

In less than five minutes, apply for finance online and submit everything needed for us to assess your application.

Get to know our marine financing

How can I apply?
You can start your application online. Otherwise, call us on 1300 131 572 to find out more.
Who can apply?
We finance watercraft for private, sole trader, and company applicants. Balloon options are available.
How long can my loan be?
1 - 7 years
How much can I finance?
You can finance the full purchase of your watercraft (from $5,000 to $100,000) starting with $0 deposit. 
What watercraft do you finance?
You can finance any brand of trailered boat or jetski with us – purchased privately or through a dealership; it can be new, used, or a dealer demo.
Repayment frequency
Monthly, via direct debit from the borrower's Australian account
Can I add a balloon payment to my loan?

Balloon payments are available for new, demo or less than 1 year old watercraft.

1-3 year loan term: 50% balloon

4 year loan term: 45% balloon

5 year loan term: 40% balloon

6+ year loan term: 0% balloon

What fees do you charge?
  • Loan establishment fee | $474
  • Account administration fee | $8.90/month
  • Security registration fee | $6

Interest rates, fees, charges, terms and conditions apply only for peppermoney.com.au online loan applications. Different interest rates, fees, charges, terms and conditions apply to loan applications submitted via other channels. 

Other fees apply including early repayment, default, and discharge fees. We may also pass onto you any third-party enforcement or recovery costs incurred by us.

The important legal bits

Information and interest rates are valid as at 20 February 2024 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.

*Interest rates, fees, charges, terms and conditions apply only for peppermoney.com.au online loan applications. Different interest rates, fees, charges, terms and conditions apply to loan applications submitted via other channels. 

^ Comparison rate is calculated on a secured loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.

Get in touch with a Lending Specialist

Tell us about your situation. The more we learn, the better we can help.