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Typical loan sizes from $3,000 to $50,000+
1 to 7-year terms so repayments fit your budget
Eligible applications can be decided fast
Dealer, auction or private sale supported
Lock in consistency month to month
Trailer, safety gear and insurance can often be included
Tell us about you, the jet ski and your budget.
Compare secured vs unsecured and fixed vs variable side by side.
ID, proof of income and recent bank statements are usually enough.
We coordinate settlement with the seller so pickup is smooth.

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.
Jump to the section you need.
Pick the structure that suits how you buy and how you want to repay:
A boat loan secured against your watercraft offering competitive rates for both new and used vessel purchases. Finance your marine lifestyle with flexible terms.
Water enthusiasts seeking competitive financing for jet skis with the flexibility to choose their preferred rate structure.
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
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.
Jet ski enthusiasts who want predictable monthly payments and protection against rising interest rates when financing their jet ski purchase.
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.
Jet ski buyers comfortable with payment variability who want to benefit from potential rate decreases and prefer flexible loan terms.
Finance the craft itself—and the gear that makes it safer and easier to own.
Buy a brand-new PWC from the dealership and spread the cost over time.
Pick up a pre-owned ski from a dealer or private seller with terms to match age and value.
Include a trailer, tow bar and straps so you’re launch-ready from day one.
Bundle PFDs, VHF, EPIRB/PLB and covers into one easy repayment.
Financing can extend to storage racks, sound systems and performance kits.
Some lenders allow rego, insurance and delivery to be included.
Spread the cost of major servicing or unexpected repairs without raiding savings.
Cover licensing or PWC training so you’re legal and confident on the water.

Lauren
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.
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.
Balance over time
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
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
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 |
These features change cost, flexibility and risk—pick what suits how you ride and repay:
Secured uses the PWC as collateral for sharper pricing. Unsecured may be quicker but usually costs more.
Fixed locks in steady repayments. Variable can fall—or rise—with market rates.
Push a lump sum to the end to reduce monthly cost—have a plan to pay, refinance or sell.
Some lenders let you pay extra or finish early with little/no penalty, saving interest.
Check establishment, monthly and exit fees—the real cost is rate + fees + time.
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Theodore G.
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Clint G.
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Sham S.
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I had the pleasure of working with Ryan to secure a car loan. He made the process run smoothly from beginning to the end. Highly recommend Ryan with his dedication and excellent communication. Thank you again Ryan!
Toefiliga C.
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Brad has been absolutely amazing to work with to help with financing for our business! The process was very simple, well explained and Brad went out of his way to provide updates - highly recommended!
Karn P.
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⭐⭐⭐⭐⭐ The process with Emu Money has been fantastic — completely stress-free and very professional. Their document requirements were clear and straightforward, with everything explained step by step. Once we submitted our paperwork, the response was quick, and the whole process was easy to follow. We’re very happy with the experience and highly recommend Emu Money for any commercial loan needs
Pratik P.
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