Important disclosure

Jet Ski Loans & Finance

Owning a jet ski can be a mega experience: Imagine cruising the waves on a hot summer day with a refreshing water spray all around you. If the sticker price isn’t cooperative, you can still bring this thrilling picture to life by comparing jet ski loans and applying for the best one below.

Calculate your repayments

Loan Amount

$10,000

Term

3 months

OurMoneyMarket

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $65,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Secured) - Very Good

EST Monthly Repayment
EST Monthly Repayment
6.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Good

EST Monthly Repayment
EST Monthly Repayment
7.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Average

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $65,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Liberty

Secured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
10.34%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
Liberty

Unsecured Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
11.49%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
St.George Bank

Unsecured Personal Loan (Fixed)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
St.George Bank

Unsecured Personal Loan (Variable)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms
Wisr

Platinum Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.40%
Advert. Rate (p.a)
Comparison rate
Wisr provide personalised low rates for applicants with good credit. Borrow between $5,000 and $50,000 with transparent terms and easy online application.
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.
Plenti

Plenti - Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
14.99%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $65,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
The Mac

Personal Loan Unsecured

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.
Arab Bank

Unsecured Personal Loan - Variable

EST Monthly Repayment
EST Monthly Repayment
15.60%
Advert. Rate (p.a)
Comparison rate
You can use your personal loan for things like purchasing a new car, consolidating your debts, renovating your home, paying for university studies or to go on your dream holiday!
ANZ

ANZ Variable Rate Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, ANZ could help you with a Variable Rate Personal Loan.
Regional Australia Bank

Personal Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
All-purpose Personal Loan for quick and easy funds when you need them.

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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Jet Ski loans in Australia – Blaze a trail on the water

Jet skis are a popular boating option for many Aussies, and the ride is guaranteed to leave you with an adrenaline rush up to your ears. Financing a jet ski is also a common and viable way to get out on the water, regardless of your budget.

But, what’s there to know before borrowing and taking the leap from land to watercraft? Here’s a handy guide on jet ski loans to help you arrive at a decision that’ll hopefully bring wave after wave of fun.

Why should you consider jet ski finance?

While a jet ski or personal watercraft (PWC) isn’t as expensive as a four-wheel vehicle or boat, the average price of between $5,000 and $20,000 can still be a drag. However, your budget or savings shouldn’t be a limiting factor, particularly when there are many finance options in Australia.

Instead of struggling to pay the full upfront cost, you can buy into the fun of owning a WaveRunner, Sea-Doo, Yamaha, or Kawasaki via smaller repayments. Keep in mind a jet ski loan is a personal loan, so there are two main things to consider:

  • How much to borrow? – Borrowing limits typically range from $2,000 to $50,000, so getting enough cash to splurge on the jet ski of your dreams shouldn’t be a problem.
  • What’s the timeline for paying it back? – Generally, you can spread the cost of your jet ski over 1-5 years. Make sure you choose a loan term that’s long enough for affordable repayments but short enough to keep the total cost of the loan worthwhile.

How do jet ski loans work?

If you’re a rider raring to cruise the waves, following these steps can bring you up to speed on how to apply and get the finance you need:

  • Shop for your jet ski. Popular places to find PWCs include licenced dealers, private seller listings, and auctions. Choosing the jet ski you want is usually the first step. However, getting pre-approval is often preferable since you can shop around with a specific budget and more buying power.
  • Compare and calculate. Use BestFind’s comparison table and jet ski loan calculator to narrow down your options. The calculator estimates your monthly repayment amount, and you can browse the table for key product information. The goal is to end up with the right option for your needs and budget.
  • Apply online. Once you’ve figured what’s best for you, head straight to the lender’s application page by clicking “Go to Site.” Make sure you meet eligibility requirements and have the required documents in place. If the lender approves your application, you’ll likely get a quote. When you accept, you get the funds or the lender pays the seller directly. In any case, you’ll be on your way to living it up on the water in no time.

What jet ski loan options are available?

  • Unsecured personal loan. Unsecured loans provide all-purpose funds suitable for weddings, holidays, cars, boats, and yes, jet skis. Since you’re not required to put up collateral, the risk is greater for the lender, and you compensate by paying a higher rate.
  • Secured personal loan. The jet ski you’re purchasing, or some other property you own can be used to secure the loan. The lender can repossess the asset if you fail to repay. Because of this assurance, the lender’s risk of loss goes down, and you benefit from a low rate. You are also able to borrow more, typically up to $100,000 depending on the jet ski’s value.
  • Specialised jet ski finance. Specialised finance providers are usually non-bank lenders or jet ski manufacturers. They offer customised products that may be structured differently from traditional personal loans. They may have simpler lending criteria, for instance.
  • Bad credit jet ski loans. Getting a jet ski loan with a bad credit history may be a tough wave to ride but not impossible. Some Aussie lenders will still welcome your application though they often charge a higher rate.

What’s the best way to compare jet ski loans?

When it’s time to compare jet ski loans, paying attention to the following features will help you zoom in on the right option for you:

  • Interest rates. Aim for the most competitive rate available to you whether that’s fixed or variable. Most lenders offer tailored interest rates so what you see isn’t always what you get. Before you apply, find out if the lender can give you a personalised quote that won’t impact your credit score.
  • Comparison rates. Dubbed as the true cost of the loan, the comparison rate is just the interest rate with standard fees and charges factored in. If both the jet ski loan interest rate and comparison rate are low, chances are you have found a bargain. However, it’s best to check the fine print for all fees associated with the loan to avoid any nasty surprises.
  • Lump sum payments. The deposit is paid upfront while the balloon payment gets paid when the finance period ends. Both lump sum payments affect your repayments, so find out if they are part of the loan structure by choice or requirement.
  • Repayment flexibility. Can you pay off the loan early without penalty and are there weekly, fortnightly, or monthly options available?
  • Additional features. A quick list of other essential features to look out for includes funding time, loan term, borrowing limits, and add-ons such as insurance and loan protection cover.

What to consider when buying your jet ski

The good news is most lenders will finance all sorts of jet skis whether it’s a single-seater or spacious enough for three. You’ll have to decide if you want a jet ski for recreational, sports or luxury purposes. Other essential factors to consider include the brand name, speed, type of engine cooling system, and if you want to buy new or used.

Lastly, before applying, figure out the true cost of jet ski ownership, not just the purchase price. These extra costs may include:

  • Insurance
  • Trailer
  • Storage
  • Accessories such as safety gear and jet ski covers
  • Fuel
  • Maintenance and repair

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