Marine Finance
Sertified For Success

A marine loan is a finance product offered by Australian banks and lenders to help individuals or businesses purchase a boat or other marine vessel. The vessel itself is typically used as security for the loan, which reduces the lender’s risk and can lead to lower interest rates and higher approval chances.

To explore your marine finance options, call us on 1300 041 041 or apply online here.

Applying for marine finance is quick and easy with Sertified Finance. Simply apply online or call us on 1300 041 041, and our team will guide you through the process. Your borrowing capacity depends on several factors, including:

• Personal or business use of the vessel
• Income and current expenses
• Existing financial commitments
• Credit score and borrowing history
• Comparable loans or assets

Our marine finance options range from $2,000 to $2,000,000, tailored to suit your individual circumstances.

To check how much you can borrow, apply here, or speak with one of our finance experts today!

The documents required for marine finance depend on your personal situation and the amount you are borrowing.

• For personal marine loans: Identification documents and proof of income (e.g. payslips or bank statements)
• For business marine loans: Identification documents and your ABN (Australian Business Number)

Additional documents may be required based on your financial situation.

To find out exactly what you need, call us on 1300 041 041 or apply online here.

Yes! Sertified Finance accepts most visa types for marine finance. The main exception is the Student Visa (Subclass 500) and any Partner Visa linked to a Student Visa (Subclass 500). We accept a wide range of visas, including but not limited to:

• Skilled visas: 189, 190, 489, 491, 887
• Business & investment visas: 892, 893, 188, 888, 132, 890, 891
• Work & employer-sponsored visas: 482, 186, 187, 494
• Protection & humanitarian visas: 202, 866, 200, 201, 203, 204, 785, 790
• Parent & family visas: 103, 143, 804, 864, 100, 801, 115, 835

Other visas: Bridging Visa, Global Talent Visa (858), Resident Return Visa (155), Special Category Visa (444), and more.

If your visa type isn’t listed or you’d like to check your eligibility, call us on 1300 041 041, and our finance experts will assist you.

Yes! If you’ve found a boat on Marketplace, Gumtree, Boatsales, or any other platform, we can finance it. When purchasing from a private seller, we use Dox.Ai to verify the current owner and ensure the vessel is not stolen or previously involved in a major incident.

To get started, call us on 1300 041 041 or apply online here.

Eligibility for marine finance depends on several factors, but with access to 78+ lenders and hundreds of loan products, Sertified Finance offers a wide range of options to suit different financial situations.

To qualify, you must be at least 18 years old. Our team can quickly assess your eligibility — call us on 1300 041 041 or apply online here.

We offer flexible marine finance repayment options, allowing you to choose between weekly, fortnightly, or monthly repayments. Plus, you may have the flexibility to adjust your repayment structure during the loan term if needed.

To find the best repayment plan for your situation, call us on 1300 041 041 or apply online here.

We finance a wide range of marine assets, including trailerable boats, boat trailers, jet skis/PWCs, yachts, catamarans, fishing boats, sailboats, houseboats, luxury lifestyle cruisers, mega yachts, racing boats, commercial vessels (e.g., charter boats, workboats, trawlers), outboard/inboard engines, electronics, refits, and upgrades.

Both personal/recreational and commercial/business use are supported. For commercial finance, such as chattel mortgage options, businesses can access tax benefits (e.g., GST claims, interest deductions, and depreciation) if the vessel is used more than 50% for business purposes.

We can finance all of the above, plus various other types of marine assets. If you'd like to check your eligibility, call us on 1300 041 041 and our finance experts will assist you.

Yes! Sertified Finance specialises in bad credit marine finance, helping clients get approved even if they’ve been declined elsewhere. We can help overcome past financial issues such as:

• Defaults
• Payday loans
• Missed repayments
• Low credit score
• Bankruptcy

With access to 78+ lenders, we’ll work to find the best marine finance solution for you. To discuss your options, call us on 1300 041 041 or apply online today.

Sertified Finance is an award winning team of experienced finance professionals specialising in asset & marine finance for individuals and businesses across Australia. With years of expertise in securing boat and vessel loans, we operate Australia-wide and are open 7 days a week to ensure fast and hassle-free funding when you need it most. We partner with a select panel of 78 leading Australian banks and lenders, offering a comprehensive range of marine finance options tailored to your needs.

We offer marine loans with flexible terms ranging from 1 to 7 years. Choosing a 7-year loan term allows for lower monthly repayments but results in more interest paid over the life of the loan. Many of our marine finance products come with no early payout fees, giving you the flexibility to pay off your loan sooner, such as in 5 years instead of 7, and save on interest.

To find the best loan term for your needs, call us on 1300 041 041 or apply online here.

We can have the funds transferred to the boat dealer or private seller within 24 hours of your application. If you need urgent finance, call us on 1300 041 041, and one of our finance experts will fast-track your application for quicker approval.

Yes! You can apply for marine finance jointly with your partner on the same application.

This can help you both establish a positive credit history while potentially improving your borrowing power. Alternatively, if you prefer to apply individually, we may be able to use your partner’s income as supporting income to strengthen your application.

To explore your options, call us on 1300 041 041 or apply online here.

Yes! We have marine finance options for vessels of any age. Whether you're purchasing a classic boat, used vessel, or an older model, we have marine finance options to suit your needs.

To find out more, call us on 1300 041 041 or apply online today.

Yes! Getting pre-approved for marine finance is one of the best ways to buy a boat. It allows you to shop with confidence, knowing exactly how much you’re approved for and what your repayments will be. With a Sertified Finance pre-approval, you’ll have a clear budget and stronger negotiating power - making your boat-buying experience faster and easier.

To get pre-approved, call us on 1300 041 041 or apply online here.

Yes! We can refinance your current marine loan at any stage, as long as it improves your financial position - whether by lowering your interest rate, reducing your repayments, or adjusting your loan term. We can also refinance balloon payments when they become due, helping you manage your finances more

To explore your refinancing options, call us on 1300 041 041 or apply online here.

Yes! If you're receiving Centrelink payments, you may still be eligible for marine finance through Sertified Finance. We offer finance options for individuals on stable, fixed Centrelink benefits, such as:

• Disability Support Pension (DSP)
• Parenting Payment
• Age Pension
• Carer Payment

However, temporary payments like JobSeeker are not considered eligible income.

To check your eligibility, call us on 1300 041 041 or apply online here.

Interest rates vary based on several factors, including:

• Vessel age (newer boats or yachts often qualify for lower rates)
• Selected lender (we compare 78+ lenders to find competitive rates)
• Your borrower profile (credit history, income, and financial situation)

To check your personalised interest rate and compare quotes, apply here or call us on 1300 041 041 to speak with our finance experts.