Using a personal loan to buy your boat

A personal loan is a way to borrow money without having to put up any security against the loan. And yes, you can, of course, use one to buy your next boat or even a yacht. Some people call it an unsecured boat loan but we like to call it marine finance.

How it works

When you take out a personal loan, the financier or lender, gives you the money required to buy your new boat. The lender agrees not use the boat as security over the loan so once you find and purchase one, you take full ownership of it. All you need to do is make your monthly payments.

  • Flexible contract terms mean that you can choose a loan term from 12 to 84 months (one to seven years)
  • Fixed interest rates so you can work repayments into your budget
  • If you use the boat for business, you may qualify for a tax deduction. Speak to your accountant about this

Estimate your repayments

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