Set Sail With Confidence Through Our Boat Loans Nz

Link Finance provides you the freedom to get your hands on watercrafts through the smart marine loans nz. Fasten your belt to enjoy the thrilling experience on the water.

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Way to borrow

Making boat finance nz convenient for Kiwis

Getting on the water is about freedom and not stressing over endless paperwork. Link Finance provides you with simple and secure marine loans, whether you are buying a boat, personal watercraft, or jet ski, via lenders who understand the marine lifestyle.

Loan term

Our loan term ranges from 6 months to 5 years which gives you the freedom to manage your finances accordingly.

Loan purpose

Buying used or new boats, watercrafts, jet skis, or a full vessel is made convenient through our marine loans.

Loan types

Link Finance offers both secured marine and unsecured loans. Secured loans reduce the interest rates but we try our best to find the best rates even for the unsecured ones.

Repayment options

Repayments totally depend on your financial situation. Choose weekly, fortnightly, or monthly.

Interest rates

Our purpose is to offer competitive interest rates for marine loans nz that suit your profile and loan type.

Transparent fees

We like to keep things simple, no hidden or extra charges so that you can borrow with confidence.

Who can apply?

Who’s eligible for a boat, marine, or jetski loan in NZ?

To apply for a marine loan, Jetski loan, or boat loan NZ with Link Finance, you’ll need to meet these simple requirements:

  • Be at least 18 years old
  • Be a New Zealand citizen, resident, or hold a valid NZ visa
  • Hold a valid New Zealand driver’s or marine licence
  • Have a steady income (from employment or business)
  • Minimum annual income of $30,000

Even if you’re new to boating or watercraft, we can help you get started with your first marine loan.

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Our Simple Process

How marine loans work at Link Finance

Getting a boat loan NZ or jetski loan doesn’t have to be complex. Here’s how it works:

Apply online

Complete our easy online application it only takes a few minutes.

Fast approval

Our lending team will review your application quickly, with most marine loan decisions made within 1–2 business days.

Get funded

Once approved, your funds are deposited fast, so you can head to the water without delay.

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Use our smart loan calculator to estimate your repayments and total loan amount.

Plan Before You Apply

How Much Would You Like To Borrow?

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Loan Amount

For How Long

Estimated
Repayments From

$783

$46,965 Total

$180

Total $46,850

9.95%/p.a

Calulated At An Example Rate

Why choose Link Finance for boat loans NZ?

Marine finance experts

We understand NZ’s boating lifestyle. Whether it’s a fishing boat, yacht, or high speed jetski loan, our team knows what works.

Tailored service

We work with you to tailor your marine loan around your lifestyle—whether it’s for leisure, sport, or adventure.

Quick turnaround

Need financing fast? We aim to approve and fund most boat loans NZ and marine loans within 48 hours.

Testimonials

Customer feedbacks

Hear what our valued customers have to say about their experience with our services. We’re proud to deliver satisfaction and lasting impressions.

Excellent service from start to finish. Everything was handled smoothly and professionally. Highly recommend to everyone I know!

Gerry Kellmen

Customer

Very satisfied with the overall experience. The team was responsive, friendly, and made the entire process so simple.

Johnson

Customer

Quick, reliable, and professional service. I’m glad I chose them and would definitely use their services again.

Maxwell

Customer

Outstanding experience from beginning to end. The staff was helpful, kind, and made everything easy for me to manage.

Anderson

Customer

Superb service with great attention to detail. I felt valued and supported throughout the entire process without any hassle.

Michael

Customer

Get on the water with confidence

Whether you’re exploring the coastline, fishing with mates, or racing waves on your new Jetski, a marine loan from Link Finance helps you live life at full throttle. Our Jetski loans and boat loans NZ are designed to be affordable, flexible, and fast so you can enjoy more and stress less.

Ready to launch? Use our online boat loan calculator to estimate your repayments and apply now. With Link Finance, your next adventure is just one loan away.

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Our Rates And Fees

We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it’s a short term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.

Interest Rate Range

8% - 22.95%

Loan Limits

$2000 - $100,000

Loan Terms

1 Year - 5 Years

Frequently Asked Questions

Most boat loans range from 3 to 7 years. However, if you're buying a high value or larger vessel, some lenders may offer terms up to 10 years. A shorter term helps reduce the total interest paid, while a longer term gives you lower monthly repayments making it easier on your budget.

A credit score of 650 or higher is generally considered good for a boat loan or marine loan with competitive rates. That said, your income, current debt levels, and repayment history are also important. Even if your score is lower, Link Finance may still be able to help you secure the funding you need.

Yes, but most lenders prefer boats under 15 years old for secured boat loans NZ. Older boats may still be eligible depending on their condition and value—especially if you're applying for an unsecured marine loan or personal loan.

Jetski loans are typically available with terms from 1 to 5 years. Because Jetskis cost less than boats, shorter loan terms are more common—but you can sometimes extend the term if you're bundling multiple watercraft or accessories into the loan.

Loan amounts usually range from $3,000 to over $100,000, depending on your financial situation and the type of watercraft. Whether you're buying a small Jetski or a large cruiser, we’ll help tailor your boat loan NZ to fit your budget.

Interest rates for marine loans vary depending on your credit score, income, and the boat’s value. At Link Finance, we aim to match you with a lender offering competitive rates that reflect your individual profile.

Yes, boat loans and Jetski loans can come with fees such as Establishment Fees, Broker Fees, or ongoing account management fees. At Link Finance, we’re upfront about all costs, so you won’t face any hidden surprises.

Absolutely. If you already have a marine loan, we can help you refinance to lower your interest rate or reduce your repayments. It’s a smart move if your financial situation has improved or you’re looking for better terms. Just be sure to consider any early repayment fees or setup costs for the new loan.

Your repayment amount will depend on how much you borrow, your interest rate, and the loan term. At Link Finance, we offer flexible repayment options—weekly, fortnightly, or monthly—to fit your cash flow. Use our boat loan calculator to estimate repayments based on your goals.

We make financing easy. Once you apply and provide the necessary details, most lenders can approve your boat loan NZ or Jetski loan within a few hours to a couple of days. The faster we get your info, the faster we can get you funded.

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At LinkFinance, we’re using cutting edge technology to transform the industry and deliver financial services that actually work for you.

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