Better weekends starting today
Upgrade your everyday with a boat loan from Plenti.
Quick rate estimate in as little as 60 seconds. Apply in 10 Minutes. Enjoy Funds as in as little as 24hrs from approval.
We're a multi-award winning personal lender
What is a boat loan?
A boat loan is a type of personal loan specifically designed to help you finance your dream boat or jet-ski, so you can hit the water sooner. Whether you're looking to purchase a brand-new boat or buy one pre-loved, Plenti's financing makes it easy to secure the funds you need. With a straightforward online application process, once approved, you can use the loan to buy any type of boat and repay it in manageable, flexible installments.
Discover your possibilities with a Plenti boat loan
New or used boat
Finance a new or used boat with a boat loan - whether it's a yacht, fishing boat, or jet-ski, the choice is yours.
Maintenance costs
You may want to borrow funds for servicing, refurbishment, repairs, and/or mooring costs
Accessories and upgrades
You can also use a boat loan for accessories such as motors, trailers or marine electronics
Why Choose a Plenti Personal Loan?
Borrow up to $50,000
1-7 year loan terms
Fast funds in as little as 24hrs from approval
$0 early repayment fee
$0 monthly fee
Personalised interest rate
Get a quote with no impact on credit score
Any personal information we hold and transfer about you is always secure
Boat loan repayment calculator
Find out how much your loan repayments could be with a Plenti unsecured boat loan.
Eligibility criteria
You should be at least 18 years or older
You should be an Australian citizen or permanent resident.
Maintain a good credit history
Earn over $25,000 annually from a verifiable, regular income source
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
Applying for a Plenti personal loan is easy
Receive your personalised rate
Get your obligation-free rate in just 60 seconds without affecting your credit score
Complete your application online
Complete your application online - submit documents securely, track progress and chat with us.
Get your funds quickly
Receive your funds in as little as 24 hours after approval.
Personal Loans for all your big ideas
Car Loans
Get the keys to your dream car
Simplify your finances
Renovation Loans
Turn your house into a home
Travel Loans
Cover travel costs for your dream getaway
Wedding loans
Finance your big day
Medical loans
Take charge of your health
Motorbike loans
Finance your new bike
Caravan Loans
Elevate your road trips
A 5-star experience from start to end
Turn your somedays into today with an award-winning* fintech lender.
Your Questions Answered
- Get your rate estimate - Answer 10 quick questions to see your personalised interest rate estimate in as little as 60 seconds, without impacting your credit score.
- Submit your application - This can be done in as little as 10 minutes. Once we have received all relevant documents, you could be approved in as quickly as 1 business day. If needed, we'll contact you for further information.
- Get your funds - Once approved and accepted, you can receive your funds in as little as 24 hours.
To qualify for a Plenti personal loan, you must meet the following criteria:
- Age: 18 years or older
- Citizenship: Australian citizen or permanent resident
- Income: earn over $25,000 annually from a verifiable, regular income source
- Credit history: maintain a good credit history
Generally, fees for a travel loan can include an establishment fee, monthly account-keeping fee, additional payment fee, early exit fee and missed or late payment fees.
For a Plenti travel loan, the fees that apply include a credit assistance fee (establishment fee) and a missed payment fee. Fees Plenti does not charge include monthly account keeping, additional repayments or early loan termination fees.
If you choose to apply through a personal loan broker, you may need to pay other fees such as an origination fee, however, this will be agreed upon with your broker before they submit an application with Plenti on your behalf.
To qualify for a Plenti travel loan, you must meet the following criteria:
- Age: 18 years or older
- Citizenship: Australian citizen or permanent resident
- Income: earn over $25,000 annually from a verifiable, regular income source
- Credit history: maintain a good credit history
If you're self-employed and uncertain about your eligibility, don't fret. You can apply as long as you have been in your current role for at least 12 months.
When applying for a Plenti personal loan, you'll typically need the following documents:
- Proof of Identification: An Australian driver's license or passport
- Income Verification: Bank statements, or tax returns to demonstrate your income if you are self-employed.
Your interest rate may vary depending on the type of loan you apply for. Our Fixed personal loans feature fixed interest rates, so the repayment amount stays the same throughout the life of the loan. These loans can have terms of 3-7 years. On the other hand, variable rate loans have terms of 1-2 years, but your rate could change during the term of your loan.
The minimum amount you can borrow with a travel loan from Plenti is $5,000, and the maximum is $50,000
A boat loan allows you to buy that boat you've always dreamed of, letting you hit the water sooner. Borrow up to $50,000 and manage your repayments in simple monthly instalments.
You can use Plenti’s personal loan calculator to find out your estimated loan repayments.