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 Australia
Personal Watercraft Loan - Emu Money

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.

1.

Apply online in minutes

Tell us about you, the jet ski and your budget.

2.

See matched options

Compare secured vs unsecured and fixed vs variable side by side.

3.

Upload documents

ID, proof of income and recent bank statements are usually enough.

4.

Settle & launch

We coordinate settlement with the seller so pickup is smooth.

How Jet Ski Finance Works

Backed by over 50+ lenders

Giving you the best chance of being approved.

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Wisr
Yellow Gate

Ready to get started?

Compare jet ski loans from 50+ lenders with one simple application.

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.

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.

Loan Amount$5,000 - $1,000,000
Term12 - 84 months
Interest RateFrom 6.74%
Comparison Rate^From 8.41%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $1,000,000
Term12 - 84 months
Interest RateFrom 6.98%
Comparison Rate^From 8.65%
Time to Fund24 - 48 hours
EligibilityMinimum income $25,000, Australian resident, Fair credit score
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.

Loan Amount$10,000 - $200,000
Term24 - 84 months
Interest RateFrom 6.74%
Comparison Rate^From 8.41%
Time to Fund24 - 48 hours
EligibilityAustralian resident, Fair credit score
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

Jet Ski Finance 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.

Loan Amount
$
Establishment Fee
$
Loan Term (months)
Interest Rate
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Total amount to repay
$0.00
Your repayments
$NaN

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.:

BalloonApprox. Monthly RepaymentNotes

$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

VerifiedVerified Review

Really happy that it only took few days and no muck around. Ryan was friendly and able to help me pay off a loan and get a new car. Best part was taking away all the stress. Keeping me informed along the way with texts worked with me perfectly! Thanks.

Sheree F.

Review posted on 2023-11-15

VerifiedVerified Review

All enquires answered in a prompt and professional manner. Easy company to deal with. Highly recommend.

Elaine G.

Review posted on 2025-06-25

VerifiedVerified Review

I made an enquiry with emu money and within 30 minute's, I had Ryan call me. He got the ball going straight away, and made everything so easy and was always keeping me updated with texts. I can not recommend this guy enough! Thanks again Ryan!

Ruairi M.

Review posted on 2023-09-27

VerifiedVerified Review

Brad was fantastic, he goes above and beyond with his service and makes sure you get results. Amazing asset to this company, look forward to working closely in the future.

Zachary

Review posted on 2023-11-01

VerifiedVerified Review

I had an outstanding experience working with Eugin to get my car finance sorted! From the very beginning, Eugin was professional, knowledgeable, and incredibly helpful. He made what can often be a complicated process feel smooth and stress-free. His attention to detail ensured everything was handled efficiently, and he guided me through each step with clear explanations. Thanks to Eugin's support, I secured the financing I needed to buy my car, and I couldn't be happier. If you're looking for someone reliable and dedicated to help you with car finance, I highly recommend Eugin at Emu money. He truly goes above and beyond!

Pabasara G.

Review posted on 2023-11-01

VerifiedVerified Review

I had an excellent experience with Emu Money as they managed my car financing process smoothly and quickly. They were extremely professional and proactive, making the entire process stress-free. From start to finish, Emu Money’s team ensured that everything was handled efficiently, keeping me informed along the way. I appreciate their responsiveness and dedication, which made the process seamless. Highly recommend Emu Money for anyone looking for a reliable and professional financial partner!

Zain R.

Review posted on 2023-10-18

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.

Can I finance a used jet ski?
Do I need insurance?
Can I include a trailer and gear?
How long can I take to repay?
Can I repay early?
Fixed or variable—what’s better?
The information, tools, and material presented on emumoney.com.au are provided for informational and comparative purposes only and do not constitute financial advice or a recommendation. While we strive to ensure the accuracy and timeliness of the information provided, we make no guarantees or warranties, either expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on this website. The loan rates, terms, and repayments presented are based on user inputs and the data provided by lenders in our network. These are estimates and indicative figures only. Actual loan rates, terms, and repayments may vary based on the specific lender, your creditworthiness, market conditions, and other factors not accounted for in our tools.
^The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. 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 consider 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 for credit approval are subject to lender credit approval. Approval is not guaranteed.
The minimum loan term available is 12 months, and the maximum loan term is 84 months. Maximum Annual Percentage Rate (APR): The maximum APR, which includes the interest rate plus fees and other costs calculated annually, is 24.95% per annum. Representative Example: For a loan amount of $30,000 over a term of 5 years (60 months) at an annual interest rate of 6.74% p.a., the total repayment amount including all fees and charges would be $36,851.73, with a monthly repayment of $614.2.