Jet Ski Loans. Hit the Water From 6.49% p.a.
Whether it's a Sea-Doo for the family, a Yamaha WaveRunner for fishing, or a Kawasaki for performance riders, we compare 50+ lenders to find competitive jet ski finance for new and used personal watercraft.
Why choose Simple Loans.
All Major Brands
Finance for Sea-Doo, Yamaha WaveRunner, Kawasaki, and more.
New & Used
Loans for brand new units and quality second hand jet skis.
Trailer Included
Bundle your trailer and accessories into the same loan.
Fixed Repayments
Lock in repayments so you know exactly what you'll pay each period.
Fast Approval
Many jet ski loans approved same day, ride this weekend.
Business Finance Options
Chattel mortgage available for hire and tour operators.
Jet Ski Finance Made Simple
Personal watercraft finance sits in the marine lending category, similar to boat and outboard motor loans. Lenders generally treat jet skis as low risk for finance because they hold value well and have established second hand markets.
We compare 50+ lenders, including marine specialists, to find competitive rates and terms for new and used jet skis from all major brands.
Tips for Buying a Jet Ski on Finance
- Get pre-approval before visiting the dealer
- Budget for storage, insurance, and registration on top of repayments
- Consider a 5 year term for the best balance of repayment size and total interest
- Bundle the trailer and basic accessories into the loan to simplify purchase
- If using for business hire, ask us about chattel mortgage tax benefits
How it works.
Apply Online in 60 Seconds
Fill out our simple online form, no paperwork, no obligations, and zero upfront fees.
We Compare 50+ Lenders
Our finance comparison tools search our panel of banks and specialist lenders to find the best rate for your situation.
Settle Fast
Once approved, funds settle quickly so you can move on with confidence.
Frequently asked questions.
How much does a jet ski cost to finance?
Entry level jet skis start around $12,000, mid range models from $18,000 to $25,000, and performance models can exceed $35,000. Repayments vary by lender and your circumstances. A specialist confirms your actual rate.
Can I finance a used jet ski?
Yes. Most lenders accept used personal watercraft up to 10 years old. Older models may need a specialist marine lender, which we have on our panel.
Do I need a deposit for a jet ski loan?
Many lenders offer no deposit jet ski finance. A 10% to 20% deposit usually improves your rate and reduces total interest paid.
Can I include the trailer and accessories?
Yes. Trailers, life jackets, covers, and basic accessories can usually be bundled into the same loan, simplifying the purchase.
What licences do I need to ride a jet ski?
Each state has its own marine licence requirements. In QLD, NSW, and VIC, you need a marine licence (and PWC endorsement in some cases) to ride. Your dealer or local maritime authority can advise.
Can businesses finance a jet ski for tours or hire?
Yes. Tour and hire operators typically use a chattel mortgage, allowing GST claims, interest deductions, and depreciation as tax benefits.
Ready to get started.
Free assessment, no upfront costs. We compare 50+ lenders to find you the best deal.
People we also help
Simple Loans is a finance comparison tool. Holder of Australian Credit Licence No. 509582. All applications are subject to lender approval. Terms, conditions, fees and charges apply. This information is general in nature.
Free assessment
Tell us what you need, we'll do the running around
One short form, then a specialist compares our 50+ lender panel for your situation. Rates from 6.49% p.a. No credit impact to get started.