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Boat Loans

Escape to the water with ease. Whether for adventure, relaxation, or family time, Inovayt’s flexible boat finance options can help you get on the water sooner, on terms that suit your lifestyle.

Looking for a Boat Loan?

If you’ve ever dreamt about chartering your own vessel, boat finance can make that a reality. Our team works with a wide variety of lenders to find a loan that perfectly matches your requirements.

Secured Boat Loans

A secured boat loan is another great option for financing your new boat. A secured boat loan means the financier will take an interest in the boat, as security for the loan, and once you have finalised the final payment, the interest in the boat will be removed by the financier. A secured boat loan is less risky to a lender, and generally comes with lower interest and better terms.

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Unsecured Boat Loan

Looking to get a new or used boat without putting up security against the loan? Our unsecured/personal boat loans could be a great option for you. The lender will not have any security in the boat, and once you complete your monthly payments, you will own it outright.

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What our clients say

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Scott Hughes profile picture
Scott Hughes
October 20, 2026
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Inovayt were extremely helpful, the team all worked together to get a result we were happy with.
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Abbey O'Callaghan profile picture
Abbey O'Callaghan
October 19, 2026
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This is the second time Inovayt has helped me purchase a property. Chris was responsive and helpful throughout the entire process, answering my questions and consistently providing options that suited my personal circumstances. Beyond securing the mortgage, Chris and the team continued to support me throughout the term of my previous loan, making sure I was always getting the best rate possible. I always felt that Chris genuinely wanted the best outcome and value for me, and worked hard to make it happen. Couldn’t recommend Inovayt more highly!
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Yehudah Kinderman profile picture
Yehudah Kinderman
October 19, 2026
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This is our second home loan successfully executed by Simon and the team and he has done a magnificent job for us. Countless hours on the phone discussing and figuring things out and we can’t recommend Simon enough! For anyone considering top quality Melbourne service with a great bloke, this is perfect for you. Steve and Sossy
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Todd Milham profile picture
Todd Milham
October 18, 2026
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We had the absolute pleasure of working with Duane to purchase our first home. We were pretty hard customers as business owners, but he was incredibly efficient, kept us up-to-date with each stage, and worked tirelessly to secure us finance. Could not be happier and highly recommend Duane and the wider Inovayt team for all your financing needs!
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Debbie Sims profile picture
Debbie Sims
October 16, 2026
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It’s been slow and methodically completed, with them finding out of needs, what we felt comfortable doing and then thoroughly and transparently provided our options. They were very supportive and patient. There communication was on point and efficient
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Diana Brown profile picture
Diana Brown
October 15, 2026
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Brendan and Kat were great highly recommend
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Zac Thompson profile picture
Zac Thompson
October 15, 2026
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Couldn’t recommend Duane enough! Being first-home buyers, we had no idea what to expect going into the whole process, but Duane made everything so much easier. He was always happy to answer any questions we had, explained everything clearly and made sure we knew what was going on every step of the way. He went above and beyond to help us get into our first home and genuinely made the whole experience a lot less stressful than we expected. Really appreciate all the time and effort he put into helping us out. Couldn’t have asked for a better broker and would definitely recommend him to anyone looking to buy a home. Thanks again, Duane!
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David Anstis profile picture
David Anstis
October 14, 2026
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Could not fault the service provided, Justin and his team were excellent. From initial consultation to settlement was speedy and seamless. The solution provided was not only comparable but addressed all my requests and concerns. 10/10 recommend .

Helpful resources

Personal Loan Calculator

Our personal loan calculator can help you with understanding your loan terms and repayment options.

Frequently Asked Questions

Why should I consider a boat loan?

There are plenty of benefits that come with boat finance (besides, of course, having a boat!). By loaning a boat instead of purchasing outright, you’ll have additional funds available for something else, such as travelling or spending money. For businesses, cash flow management is another great way boat finance can help, as well as the potential to claim a tax deduction on the asset (check eligibility first).

What might my boat loan look like?

Our Inovayt brokers will find the best boat finance solution for you. We can look to set your loan term to suit your lifestyle and provide a fixed repayment schedule while also offering options like balloon repayments and the opportunity to pay your loan off early.

How much can I borrow?

The amount lenders are willing to loan depends on a multitude of factors, but generally the sum is between $5000 all the way up to $200,000

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Our asset team provide the best solutions to fit your asset needs, we work with you to understand your goals before tailoring a plan, that assist in achieving you the best possible outcome.

The benefits of boat finance from Inovayt

Simple

Inovayt professionals understand that your financial goals need ongoing management. Our experienced team can help you navigate all types of financial solutions while simultaneously removing the stress.

Flexible

Availability and needs differ from person to person. That’s why our team are happy to meet face to face, over the phone or online at a time that suits you.

Solutions-driven

Our comprehensive financial solutions can assist you throughout any stage of your life. It’s never too early to start planning for a comfortable retirement or set financial goals with a plan to achieve them.

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Start your journey, contact Inovayt today
Start your journey, contact Inovayt today
Start your journey, contact Inovayt today
Start your journey, contact Inovayt today