Jet Ski Finance
Jet ski or personal watercraft, with the trailer and gear: new, used, dealer or private sale. Tell us what you're looking at and we'll pass your enquiry to a licensed finance broker who works with a range of lenders. It takes about 60 seconds and there's no credit check to enquire.
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
Check my eligibility
About 60 seconds. No credit check to enquire.
Who we help
- First-time PWC buyers: first jet ski, first loan, or not much credit history yet
- Dealer buyers: new or demo skis, often packaged with a trailer and accessories
- Private sale buyers: second-hand skis bought from a private seller
- Upgraders: trading in or selling a current ski to move up to a bigger model
- Casual, part-time and new-job workers: brokers know which lenders are more flexible on employment
- Self-employed and ABN holders: including low-doc options where your circumstances fit
What lenders look at for a jet ski
- Age and condition: most lenders treat a PWC like other recreational assets, and many limit how old it can be at the end of the loan. Older skis can mean shorter terms.
- Price and value: the amount borrowed should be supported by what the ski is worth. A dealer invoice or clear private sale details help.
- Package details: the trailer, safety gear and accessories can often be included in the amount financed, depending on the lender.
- Your finances: income, living expenses, existing debts and credit history.
Loan types that fit
| Loan type | Usually suits | How it works |
|---|---|---|
| Secured loan | Newer skis with clear value | The jet ski is the security for the loan, which can mean sharper pricing than unsecured lending. |
| Unsecured personal loan | Older skis, smaller amounts, or extra gear | Nothing is held as security, so pricing and limits depend more heavily on your credit profile. |
Licence, rego and running costs
- Licence: rules for operating a PWC vary by state. Some states, such as NSW, require a specific PWC licence. Check with your state maritime authority before you ride.
- Registration: jet skis are registered with your state maritime authority, and the trailer needs its own road registration.
- Insurance: lenders usually require comprehensive insurance while the loan is in place.
- Servicing, fuel and storage: regular servicing and flushing after use, fuel, and somewhere to keep the ski and trailer.
If you're buying privately, do a PPSR search before you pay to make sure there's no money still owing on the ski or trailer.
How it works
- Tell us about the jet ski and your situation in the short form below.
- A licensed broker calls you, usually within one business day, to talk through your options.
- If it suits you, they handle the application with a lender that fits your circumstances.
What you'll usually need
- Photo ID. A PWC licence may be requested where one is required in your state.
- Proof of income: recent payslips or bank statements (BAS or tax returns if self-employed)
- Details of the jet ski: make, model, year, hull identification number (HIN) and price, plus trailer details
- Dealer invoice or private seller details
- Your living expenses and any existing debts
Every lender has its own criteria, so your broker will tell you exactly what's needed for your situation.
Jet ski finance guides
- Personal loan or secured finance: pros and cons
- Documents checklist for loan approval
- Does checking your credit score affect approval?
- Hidden fees to watch for in finance
- Trailer finance
- Motorbike finance
Common questions
Can I finance a used jet ski or a private sale?
Often, yes. Many lenders finance used jet skis from dealers and private sellers, although some limit the age of the ski. A PPSR search before you pay is a sensible step on any private sale.
Can the trailer and accessories be included?
Often they can. Dealer packages commonly include the trailer and safety gear, and many lenders will finance the package as a whole. Your broker can confirm what a particular lender allows.
Do I need a licence to ride a jet ski?
Licence rules vary by state, and some states, such as NSW, require a specific PWC licence. Check with your state maritime authority for the current requirements.
Do I need insurance on a financed jet ski?
Lenders usually require comprehensive insurance for as long as the jet ski is security for the loan. It's worth getting a quote before you commit so the cost is part of your budget.
Does enquiring affect my credit score?
No. Filling in our enquiry form isn't a credit application. A credit check only happens if you choose to go ahead with an application through the broker.