BOAT FINANCE ONLINE - Finlease Boat Finance and Boat Loans - Marine Finance
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Boat Finance through Finlease

Whether you’re after a new or used boat, or looking to upgrade an existing boat, Finlease make the task of finding the most suitable finance solution a breeze. With more than 20 years of finance experience and over $350 million financed annually, we’ll seek the best boat loan approval to suit your needs.

Did you know that?

We finance new & used boats
No real estate is required as security
Up to 100% funding is available
Terms can be up to 5 years with up to a 40% Balloon (which can be refinanced for a 2nd period).


Looking for a Boat Finance Loan? - Please fill in an enquiry form below:

First name*:
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Type of boat your are interested to buy?
Vessel value?
Do you have a boat license? Yes No
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Comments or other enquiries about boat finance loans



Making boat finance a pleasureBoat Finance Sydney

Buying a boat? Finlease has become something of an expert in the area of boat loans, both power or sail, for pleasure or business. We’re also boat enthusiasts ourselves and understand how to finance a boat purchase. So whether you want a personal boat loan or a business/charter boat loan, we can search amongst our 20 lenders for the solution that’s right for you. Then we’ll process the application and manage the whole process to make marine finance easier, so you won’t be left waiting in queues.

We’ll be your finance skippers.

Then when considering whether a particular boat loan is right for you, ask yourself how long you are likely to keep the boat? Will it be purely a pleasure boat, or could there be some business use? In evaluating one marine finance proposal over another, Finlease can make you aware of obligations like your minimum commitments, the boat loan’s security and any special conditions which apply.

How to drive a harder bargain.

Before you go out and start shopping for a boat, it’s worth obtaining a pre-approval for your boat loan. First complete an application, then you’ll be in a better bargaining positioning and can confidentially negotiate knowing that the boat finance is ready to go. We suggest first putting in place a loan for a ‘hypothetical’ boat, you’ll pay no application fees. Once your boat loan is approved, we'll manage settlement and payment to the supplier.

Also, don’t limit your options by securing your boat loan against real estate. If you are using your existing bank, make sure they have not ‘cross collateralised’ the loan against your home or other assets. With Finlease, in 99% of instances the boat should stand as its own security.


Here’s what lenders are looking for when approving a loan:

  1. Your capacity to meet repayment based on your income.
  2. For 100% finance you need to prove that you have 'tangible' net worth, i.e. equity in property or investments. Our financiers do not want a mortgage, but will simply want to feel comfortable that you have the ability to make good any shortfall between the second hand value of the boat and the amount owed.
  3. A good credit history.
  4. Stable employment and income