Compare Jet Ski Finance from 50+ Australian Lenders
Sea-Doo, Yamaha WaveRunner or Kawasaki—line up sharp rates and repayments that fit your budget and hit the water sooner.
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Jet Ski Finance Made Simple
Get the PWC you want now—spread the cost with clear, predictable repayments and a lender that suits your profile.
Borrow What You Need
Typical loan sizes from $3,000 to $50,000+
Flexible Terms
1 to 7-year terms so repayments fit your budget
Quick Approvals
Eligible applications can be decided fast
New or Used
Dealer, auction or private sale supported
Fixed Repayments
Lock in consistency month to month
Bundle Extras
Trailer, safety gear and insurance can often be included
How it works
No run-around. Compare lenders, choose your offer, and get on the water faster.
Apply online in minutes
Tell us about you, the jet ski and your budget.
See matched options
Compare secured vs unsecured and fixed vs variable side by side.
Upload documents
ID, proof of income and recent bank statements are usually enough.
Settle & launch
We coordinate settlement with the seller so pickup is smooth.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to jet ski finance
A jet ski loan lets you buy now and spread the cost into manageable repayments over 1–7 years. Whether it’s a Sea-Doo, WaveRunner or Kawasaki stand-up, you keep savings intact and still get out on the water.
Lenders look at your income, credit history and the PWC’s age/value to set your limit and rate. Newer models often unlock sharper pricing and longer terms; used skis are still financeable with slightly different limits. With the right structure, you can tow home your ski without the financial splash.
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Types of jet ski loans
Pick the structure that suits how you buy and how you want to repay:
Secured Jet Ski Loan
A boat loan secured against your watercraft offering competitive rates for both new and used vessel purchases. Finance your marine lifestyle with flexible terms.
Pros
- Competitive rates due to jet ski security
- Both fixed and variable rate options available
- Longer repayment terms for expensive jet skis
- Can finance jet skis
Cons
- Jet ski serves as collateral - risk of loss
- Comprehensive marine insurance required
- Depreciation affects equity over time
- Storage and maintenance costs additional
Best For
Water enthusiasts seeking competitive financing for jet skis with the flexibility to choose their preferred rate structure.
Unsecured Personal Loan
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
Pros
- No collateral required - no risk to personal assets
- Quick approval and funding process
- Flexible use of funds for any purpose
Cons
- Higher interest rates than secured loans
- Stricter credit requirements
- Lower maximum loan amounts available
Best For
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
Fixed Rate Jet Ski Loan
A secured jet ski loan with a fixed interest rate for purchasing new or used jet skis. Enjoy predictable payments while financing your dream jet ski.
Pros
- Fixed interest rate provides payment certainty
- Competitive rates secured against the jet ski
- Longer repayment terms available for larger jet skis
- Can finance both new and used jet skis
Cons
- Jet ski serves as security - risk of repossession
- Cannot benefit from interest rate decreases
- Comprehensive marine insurance required
- Depreciation affects loan-to-value ratios
Best For
Jet ski enthusiasts who want predictable monthly payments and protection against rising interest rates when financing their jet ski purchase.
Variable Rate Jet Ski Loan
A secured jet ski loan with variable interest rates that can fluctuate with market conditions. Potentially benefit from rate decreases while financing your jet ski purchase.
Pros
- Can benefit from interest rate decreases
- Often lower initial rates than fixed loans
- More flexible loan features available
- Competitive rates for quality jet skis
Cons
- Monthly payments can increase with rising rates
- Uncertainty in budgeting due to rate fluctuations
- Jet ski serves as security - risk of repossession
- Marine insurance requirements
Best For
Jet ski buyers comfortable with payment variability who want to benefit from potential rate decreases and prefer flexible loan terms.
What can you use a jet ski loan for?
Finance the craft itself—and the gear that makes it safer and easier to own.
New Jet Ski Purchase
Buy a brand-new PWC from the dealership and spread the cost over time.
Used Jet Ski Purchase
Pick up a pre-owned ski from a dealer or private seller with terms to match age and value.
Trailer & Tow Setup
Include a trailer, tow bar and straps so you’re launch-ready from day one.
Safety Gear
Bundle PFDs, VHF, EPIRB/PLB and covers into one easy repayment.
Upgrades & Accessories
Financing can extend to storage racks, sound systems and performance kits.
Insurance & On-Roads
Some lenders allow rego, insurance and delivery to be included.
Maintenance & Repairs
Spread the cost of major servicing or unexpected repairs without raiding savings.
Training or Licence
Cover licensing or PWC training so you’re legal and confident on the water.
Case Study
Lauren
Lauren turns a wish list into a launch-ready setup
Challenge: Lauren wanted a new WaveRunner plus the trailer and safety gear, but didn’t want to empty her savings to get on the water.
Solution: A secured, fixed-rate 4-year loan funded 95% of the package, with the trailer and PFDs added at settlement.
Emu Money lined up the options and Lauren chose a low, fixed monthly repayment that wrapped everything into one facility. Paperwork midweek, handover Saturday—no surprise costs, just fuel and a grin.
How much can you borrow?
Loan sizes typically range from $3,000 to $50,000+. Limits depend on your income, credit profile and the ski’s age/value. New PWCs may qualify for higher LVRs; older models can still be financed with slightly shorter terms or lower caps.
Terms usually run 1–7 years. Shorter terms mean higher monthly repayments but less interest overall; longer terms keep repayments lower but increase the total interest paid. We’ll help you find the balance that fits your budget.
Jet Ski Loan Repayment Calculator
Estimate repayments before you commit. Adjust amount, term, rate and balloon to plan with confidence.
Balance over time
Are you eligible for jet ski finance?
Lenders want to see that repayments fit comfortably alongside your other bills. They’ll review your income, employment stability, credit history and recent bank statements. The craft matters too—newer skis often unlock sharper pricing and longer terms, while older models are still financeable with different limits. If your credit isn’t perfect, specialist lenders may still work with you.
You may be eligible if you are:
An Australian resident aged 18+
Earning a regular income (PAYG or self-employed)
Able to provide payslips or bank statements
Buying an eligible new or used jet ski from a dealer or private seller
How to apply for jet ski finance
Complete a short online application, upload your documents, and we’ll match you with lenders. Choose your offer and we’ll handle settlement with the seller so pickup and registration are seamless.
Documents you may need:
Driver’s licence or passport
Recent payslips or bank statements
Employment/ABN details
PWC details (HIN/VIN, invoice/quote) + trailer details if included
How to save money on a jet ski loan
Compare more than just the rate. Secured loans usually price sharper than unsecured. A balloon can lower monthly cost but leaves a lump sum at the end—set it to a level you can comfortably clear. Newer skis typically attract better pricing. Bundle essentials (trailer, PFDs, covers) at settlement so they’re financed at the same competitive rate, and check fees plus early-repayment policies so there are no surprises.
Example: Balloon impact — $18,000 over 48 months at 8.99% p.a.:
| Balloon | Approx. Monthly Repayment | Notes |
|---|---|---|
$0 | $449 | Highest monthly cost |
10% ($1,800) | $404 | Lower monthly cost |
20% ($3,600) | $361 | Balance of cost vs flexibility |
30% ($5,400) | $318 | Lowest monthly cost; plan to clear balloon |
Jet ski loan options explained
These features change cost, flexibility and risk—pick what suits how you ride and repay:
Secured vs Unsecured
Secured uses the PWC as collateral for sharper pricing. Unsecured may be quicker but usually costs more.
Fixed vs Variable
Fixed locks in steady repayments. Variable can fall—or rise—with market rates.
Balloon Payments
Push a lump sum to the end to reduce monthly cost—have a plan to pay, refinance or sell.
Early Repayment Flexibility
Some lenders let you pay extra or finish early with little/no penalty, saving interest.
Fees & Charges
Check establishment, monthly and exit fees—the real cost is rate + fees + time.
Testimonials
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Amazing customer service experience only took short time thanks Ryan
daniel r.
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Stevie was amazing she made the entire process smooth, not stressful and easy everything she requested wasn’t hard to complete, she worked around me she gave me advice or what to look for in a car she shared some good places to find a car she shared her experience with insurance she was amazing and went above and beyond. It isn’t always easy sharing things with someone when it comes to your personal affairs but she made me feel welcome to share you have a start worker and I really do believe she deserves a pay bonus
Tania W.
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Thanks for all your help and dedication, it was super fast and easy to get my vehicle load approved and they found my vehicle in less then a day. smooth ans swift thanks Peter!
Barend B.
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All enquires answered in a prompt and professional manner. Easy company to deal with. Highly recommend.
Elaine G.
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Jackson was very helpful in getting me a loan for my daughters car. Very happy with the service he provided.
Rick D.
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Robyn was very professional in her mannerism in organising us our loan . Robyn was always polite .. She kept us up to date and informed on the development of our loan even after hours as it was hard for us to speak to her during work hours . Very helpful when your not tec savy I would highly recommend Robyn to anyone needing to deal with Emu Loans and will definitely recommend her to friends and family . Keep up the great work Robyn You are a true inspiration to you job Karen Grimston
karen c.
Frequently Asked Questions
Jet Ski Loan FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
