Jet Ski Loans

Jet ski loans work similarly to other asset finance products. You borrow a set amount to fund the purchase of a new or used jet ski, with repayments made over a fixed term — usually between 2 and 7 years. At Ezilend, we work with Australia’s top marine lenders to get your adrenaline pumping on the water as fast as possible!

In most cases, jet ski loans are secured, meaning the lender uses the jet ski as collateral, which helps lower your interest rate. Unsecured options are also available and give you more flexibility — for example, to include a trailer or safety gear in the loan amount. We’ll find the structure that works best for you.

Whether it’s a Yamaha WaveRunner, Sea-Doo, Kawasaki, or any other personal watercraft — new or used — we’ve got you covered. We can finance brand new jet skis as well as used, whether you’re buying privately, from a dealer, or at auction.

You’re going to need a jet ski trailer to get your new toy to the water, and the cost of the trailer can be included in the total loan amount so you’ll be set to get straight into the water. Nice and simple — one loan, one repayment, one less thing to worry about.

You will need a licence to operate a jet ski in all Australian states except the Northern Territory. The regulations for obtaining a jet ski licence are different from state to state in Australia. Check your local requirements — and once you’re sorted, Ezilend will sort the finance!

Yes — and it’s a smart move! Pre-approval locks in your budget and means you can negotiate with confidence when you find the right ski. Ezilend’s online application is fast, paperless, and won’t impact your credit score. Get pre-approved and go chase the waves!

If you are financing your jet ski you will need to have it insured, and this can be organised as part of the total cost of the loan, saving you time and keeping everything simple with one repayment. Your broker can walk you through the options.

You may also want to take out an extended warranty to cover mechanical breakdown for your jet ski, which can be added to the total value of your jet ski loan. It’s a great way to protect your investment and keep the good times rolling.

Finance terms for jet ski loans generally go up to 7 years, with 5 years being most common. We’ll help you choose a term that balances affordable repayments with minimising the total interest you pay.

Don’t write yourself off! You can even finance a jet ski with bad or thin credit! Ezilend works with a wide panel of lenders including those who specialise in helping borrowers in all kinds of credit situations. Give us a go — we love a challenge!