5* Year Vehicle Loans

*applicable to cars, caravans, motorhomes and motorbikes only, under 10 years old and above $20,000

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Home Boat Finance

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Marine Finance

Feel the sea breeze sooner with Credit One!

At Credit One, we not only tailor solutions for most marine craft and boats to suit your needs, we also offer quick, efficient and personalised service to get you on the water.

With years of experience organising loans and finance for charter boats, commercial boats, yacht, jet ski or commercial fishing vessel, we have access to a range of lenders, giving you extensive finance options.

With more marine finance options, better rates than the banks and a team of dedicated brokers at the ready, Credit One can have you on the water in no time!

Discover why Credit One is the smarter way to finance! Complete an online Marine Finance Quote now, without obligation - or phone 0800 300 500 to talk with one of our experienced consultants.

Read more about how to buy a boat in NZ


  • Who can apply for marine finance with Credit One?

    If you are a New Zealand resident or have a valid work visa, are above the age of 18, have a steady source of income, and have Clean Credit you can apply for marine finance with us!​

  • How much can I borrow for marine finance?

    The amount of loan you can borrow depends on different factors like credit score, income, ability to meet repayments, etc. But generally, you can borrow between $5000 - $250,000.

  • How long does it take to get approved?

    We aim to get back to our clients within one working day and typically finalize the loan process within 2 working days. Our efficient team works tirelessly to ensure that our clients get prompt and trustworthy services.

  • What types of marine or boat can I finance?

    Trailers, Boats, and Jet skis are the most common – We can also look at moored Boats & yachts.

  • What interest rates do you charge?

    At Credit One, we provide competitive finance rates on marine financing tailored to your situation, based on your credit score. The interest rate is tailored to you by the lender. They will work closely with you to provide the best possible rate that meets your needs and financial circumstances.

  • Do you offer insurance options for my marine vessels?

    We don’t have access to Marine Insurance – Your normal Insurer should be able to assist you.

  • Can I get Pre-approval before I buy the boat?

    Yes, of course you can. Credit One offers pre-approval for boat loans, allowing you to search for and buy a vessel with confidence knowing how much you can borrow and the loan terms.

  • Are there any charges if I apply for marine finance through Credit One?

    There are no hidden charges at Credit One! There is a Broker Fee, which is different for each Lender – This is disclosed upon Approval & is added to your loan amount.

  • Can I refinance my boat loan for lower rates?

    All depends on what rate you are currently paying – Credit Score plays a role in the lender's Interest Rate.

  • Can I pay off my marine finance early? If so, are there any penalties that exist?

    Yes, you can pay off your marine finance earlier than the agreed-upon term.

    However, it is important to note that the lender may impose penalties based on the loan's remaining length. These penalties are normally calculated based on the loan's remaining term. We urge that you discuss any potential penalties and explore your choices with our staff to decide the best course of action for your specific circumstance.


What are my repayments?

How much can I borrow?

Calculated with the interest rate of 10.45%*

Apply Online Now

Calculated with the interest rate of 10.45%*

Apply Online Now

* The information which you calculate from this Calculator is intended for use by you as a guide only. See more in our Disclaimer.

It is not an offer and has no legal effect on any contracts entered into by you ‘ the client’. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice. Should you apply for any Credit One product, we will make our own calculations and we will not necessarily take your calculations into account. All Interest rates are displayed ‘are guides ONLY’, repayments as a result of this simulation have no legal offering.Credit One accepts no responsibility for any losses arising from any use of or reliance upon any calculations or conclusions reached using the calculator.Information provided on this calculator does not constitute an offer of finance. Any loan request is subject to assessment against normal lending criteria. Fees and charges may apply. This calculation does not take into account any fees, charges or government taxes which may apply to either the calculation of the loan amount or the monthly repayments, such as GST or Luxury Car Tax (where applicable).

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