Jet Ski Finance - Jetski Loans

Jet skis and other PWCs are thrilling watercraft and a great boat-owning option.

Whether you are considering a Kawasaki Jet Ski, Sea Doo or Yamaha Waverunner, quickly calculate rough repayment estimates across a selection of lenders and see how Jade compares. Enter the amount of your jetski and the number of years you want to repay the loan and the calculator automatically shows you how Jade repayments compare with several other lenders.

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Why Use Jade Boat Loans?

Cheap boat loan interest rates

We try harder for our customers. As professional brokers, we’re working for you and we use our negotiating skills and strong bargaining power with our vast selection of lenders to get you the best rates.

Your Jade Boat Loans consultant is only focused on your interests and has the skills and industry experience to know who will offer the best rates on your particular loan specs.

Using Jade is the right decision

Engaging a specialist marine finance broker to arrange your boat loan is an astute financial decision. We are a leading Australia specialist in marine financing and our depth of experience is your competitive advantage in securing a better watercraft loan

Jade Boat Loans is the broker that specialises in leisure and watercraft finance and can source you the best loan.

A company that delivers

We try harder for our customers. As professional brokers, we’re working for you and we use our negotiating skills and strong bargaining power with our vast selection of lenders to get you the best rates.

Your Jade Boat Loans consultant is only focused on your interests and has the skills and industry experience to know who will offer the best rates on your particular loan specs.
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Why jet ski and how Jade can help you

Jet skis and other personal watercraft (PWCs) are the exciting machines of the water and can present a great boat-owning option for many buyers. Easier to tow, store, transport and launch than much other larger craft and relatively easy to operate makes them extremely popular entry-level purchase as well as an additional recreational craft or tender for owners of large cruisers.

To cover all buyers across all markets, we provide a full range of PWC loans and finance. Loans for buyers of PWCs for private use and commercial marine finance options for businesses acquiring PWCs and water scooters for use in their operations.

  • Loans for all leading makes and models from all manufacturers
  • Personal and business finance
  • Loans for new and used PWCs
  • Cheap interest rate loans
  • Terms of 1-7 years available
  • No deposit finance
Exploring Jet Ski Loans and How Jade Can Assist You

Our loan offers are tailored for PWC buyers

PWCs deliver precision, speed and power and we match those key features with our own specialised marine finance service. Quick quotes, fast approvals and the power of our cheap interest boat loans rate to get you closer, faster to achieving your financial goals.

Some banks and finance companies do not offer specific PWC loans and will offer loan applicants more generic boat loans with possibly a generic and higher priced interest rate. As specialists in marine finance, we know the different types of vessels and watercraft and do offer a loan product to specifically suit PWC buyers.

Accredited with a vast number of banks and non-bank lenders, we have access to a large finance market from which to source to the cheapest loan options. As specialist marine lenders, we have the bargaining power to negotiate on behalf of our customers to achieve the cheapest rates and most attractive loan terms and conditions.

Jet Ski Financing Customised Just for You

Jet ski finance options for personal and business use

We offer a complete and comprehensive selection of loans for both private buyers and business purchases. Loans for private buyers include both secured and unsecured options and for business operators, they can select the finance that will deliver the optimum benefits for their operations in regard to tax and cash flow.

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Selecting which is the most appropriate loan for your purchase requires consideration of the features and benefits of each product in relation to your personal or business financial objectives and the type of PWC you are buying.


The interest rates are different for personal boat loans and business marine finance products with business rates lower. This variation is standard across the financial market and reflects the lesser risk associated with commercial finance.


Interest rates on all types of loans also vary from lender to lender. Lenders set their rates based on their costs to acquire funds and their exposure to or interest in lending to specific market sectors. In this case, the recreational boating and commercial marine sector. As a specialist in the sector, we can offer cheaper rates.


The types of loans offered for PWCs can also vary across the lending market. To see what a selection of banks and finance companies are currently offering in comparison with our loan options, check out the lender interest rate comparison calculator we have provided for your convenience.

  • No deposit finance available across our loans
  • Pre-approved loans available

News and used jet ski financing

Our full range of personal and business loan products can be utilised for the purchase of both new and used PWCs.

  • All makes and models financed
  • Cheap loans for Kawasaki, Yamaha, Sea Doo and new brands which are launching into this space.
  • One, two and three seater models financed
  • Loans for PWCs designed and built for anglers and cost-effective finance for rescue and research vessels

While buying new is usually the ultimate goal for most buyers, the used market can offer some great deals on good quality machines with prices that fit many budgets. When buying a used PWC, loan applicants should be mindful that lenders will have minimum loan thresholds for the amount they will extend. To ensure your PWC is priced above that threshold, have a quick conversation with one of our consultants. We can quickly advise you of the options and even arrange pre-approved finance.Loans are available for purchases from a range of sources:

  • Authorised PWC dealerships
  • Manufacturer direct buys
  • Private sales
  • PWCs purchased at auction

We offer secured and unsecured personal jet ski loans

Jade Boat Loans provides personal loans for private jet ski and watercraft buyers and business boat finance for businesses purchasing jet skis, water scooters and other PWCs. Your Jade consultant will work with you on structuring the best loan to suit your purposes.

Personal Secured Jet Ski Loans

The secured loan is the most popular and widely-used loan type for purchasing all types of PWCs. The ‘secured’ reference is to the craft being purchased being offered as security for the lender against the money being lent.

This type of loan has a relatively universal structure and standard format. But we make your loan anything but off-the-shelf with our consultants personally sourcing and negotiating every loan for every individual customer.


Loan features include:

  • A fixed interest rate is achieved at our trademark cheap rates. The rate is fixed for the entire term of the loan so you don’t have to switch or fix your loan in the event that general interest rates change.
  • Fixed loan term of up to 7 years. The term approved is dependent on individual lender guidelines and assessment of individual applications.
  • The fixed rate and fixed term then logically result in fixed repayments. These are calculated at a monthly figure payable so you’ll have the same amount to pay each month and can plan your budget.
  • Additional payments are permitted if the borrower chooses to pay extra against their loan to pay it out and own the PWC sooner. Minimal break fees will apply if the loan is finalised prior to the agreed fixed term.

Personal Unsecured Jet Ski Loans

An unsecured personal loan is a loan that is not secured against the goods being purchased. In this case, the PWC. In some cases, it is not appropriate for the borrower to offer the PWC as security against a loan. This may occur for a range of personal reasons. There may also be occasions where the lender does not accept individual goods as security.


Where no security is available, PWC buyers can apply for this unsecured loan option. While attracting a higher interest rate than a comparative secured loan, this can still be an extremely affordable and attractive loan when sourced at our cheap interest rates.


Loan features include:

  • The interest rate is sourced and negotiated at our trademark cheap levels.
  • The interest rate may be fixed or variable, depending on the lender. Whichever rate is applied, it will remain consistent over the loan tem.
  • The loan term is fixed and the repayments are fixed at a monthly amount.
  • Additional payments are permitted as an option.
  • If the loan is finalised prior to the end of the agreed loan term, with variable interest rate loans there would be no break fees and for fixed interest rate loans only minimal break fees apply

Jet Ski Loan Options for Businesses

Businesses acquiring PWCs for use in their business can select the finance product that best meets their requirements from our selection which includes:


  • Chattel Mortgage
  • Commercial Hire Purchase
  • Leasing


In selecting finance, business owners are advised to refer to their accountant or financial advisor. If seeking to take advantage of accelerated asset depreciation measures such as Instant Asset Write-off and temporary full expensing, Chattel Mortgage is seen as the most appropriate loan type.


All our commercial finance options include:

  • Cheap fixed interest rates
  • Fixed loan terms up to 7 years and fixed repayments
  • Taxation benefits


For start-up businesses and those that have only been operating for a short time, we offer Low Docs and No Doc Loan options for operators that do not have all the financial records for standard business loan applications. Speak with one of our consultants about what is involved in securing this finance.


To be eligible for all types of business finance, the PWC must be being acquired for use in the business, the applicant must hold a current ABN and preferably have business financial records and documentation.

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DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

We work harder to secure the best rates.


In order to provide the best experience, your details are saved on our secure server as you enter them.

Jet Ski and PWC Loan FAQs

Our dedicated jet ski loan web pages cover much of the detail around loans for all types of jet skis, and PWCs. But if we missed any information that you need to proceed with your loan, hopefully you’ll find the answers right here. If not, please reach out to Jade either via email or phone for specific responses to your individual questions.

  • Loan repayment calculators are available for prospective borrowers to calculate estimates on finances they are considering. These resources or financial tools are widely available on lender websites and on some manufacturer and dealer websites. They are simple to use and should be free to use. The user enters the amount they want, the term they want to pay it off and the interest rate for the relevant lending type as advertised by the lender of their choice. The device auto-calculates repayments based on that data. As these are generic tools, they do not allow for the fees and charges that apply to loans or for specifics around individual financing applications which may impact the pricing of the finance. The results generated should be used as a guide only and the lender contacted for a confirmed quote.

  • While this is a trademark of Kawasaki, the term has been adopted across the marine and boating community to represent all PWCs or personal water craft. Finance for PWCs now includes all makes and models with Yamaha and Sea Doo being the most popular but other brands and types of small watercraft have emerged into the market. The models financed include single, dual and three seaters and specialty models including those set up specifically for fishing. Some will be sold as basic models with the angling pack as an optional extra. Secured financing is the most popular for these purchases and would cover all makes and models. Lenders will have a minimum lending threshold and buyers should check with their broker or lender when intending to apply for finance for lower-priced models to ensure they meet the criteria.

  • In general terms, the full purchase price of a PWC can be included in the finance deal. This is known as no deposit finance as the buyer does not have to make a down payment, they can borrow 100% of the ticket price. Subject to lender approval, additional items such as a trailer, safety gear, optional accessories and upgrade packs may also be included in the finance deal. Exceptions to no deposit finance would be when a lender assesses the borrower as not having the capacity to take on that level of debt and will request that the total loan amount be reduced. This would require the buyer to make a down payment to the seller to reduce the amount borrowed.

  • Yes. Pre-approved finance is available for all types of watercraft and vessels across all loan products. The lending is arranged prior to the purchase of the PWC. The borrower approaches the finance company, bank, lender or broker and requests a quote based on an estimate of what they think the watercraft they will buy will cost. On acceptance of the quote, the full lending application process is undertaken. This is the same process as for applying for a loan after the PWC purchase has been made. The lender processes the application through to the approval stage but then pauses the process. The borrower knows the amount they are approved for and can confidently proceed to purchase a PWC for that amount. The lender then proceeds to finalise the financing through settlement. If the borrower changes their mind and does not proceed, the pre-approved loan simply expires. There is no obligation to proceed with a pre-approved PWC loan.

  • Yes. All lenders offer jetski loans to include the entire package. Some dealers will offer trailer and jet ski packages while other sellers will sell only the watercraft. If you choose to purchase the jet ski and trailer from separate sellers, they can be included in the same loan if purchased at the same time in most cases If you decide to upgrade your trailer at a later time, part-way through your jet ski loan, and you would like it added to your existing jet ski loan, that would, in most cases, require re-financing the original jet ski loan.

  • No. Jade Boat Loans provides jet ski loans for the full range of jet ski models. The interest rate and terms and conditions for jet ski loans are determined by and will vary based on the details of the applicant not the size or model of the jet ski.

    The interest rate we advertise and offer for jet ski loans is applicable across the full range of PWCs, subject to individual lenders and individual applicants. In some cases, the age and condition of a jet ski may impact the jet ski loan. If a lender does not accept an older jet ski as security for a Secured Jet Ski Loan, an unsecured loan may be applied for.

  • Having a boat or jet ski licence is not a pre-requisite for applying for or being offered a jet ski boat loan. People with no jet ski licence can be offered a jet ski loan, even though they would not be permitted to operate the jet ski. Most secured jet ski loans do require that you have coomprehensive insurance and then the insurance company may require you have a licence. The minimum age for being offered a jet ski or other boat loan is 18 years of age. Jet ski and boat licences are issued by state and territory governments through the relevant maritime authority. The age and conditions around acquiring a jet ski or other form of boat licence will vary from state to state.

  • Yes lenders provide loans for all types of jet skis and PWCs (personal watercraft) covering all models offered by the leading manufacturers including Yamaha, Kawasaki and See-Doo. For most applicants a Secured Loan is suitable for the purchase of a PCW (personal watercraft). Individual lenders will have minimum loan amounts for marine loans. Most new jet skis will meet the minimum loan requirements.