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Have you been daydreaming about hitting the water with your new jet ski? If you can’t quite afford the outright cost of one yet, but there’s no need to wait! We have a solution for you: jet ski finance.

If you have found the perfect toy, but you need money, we’re here for you! Here at Loans Unlimited, our job is to be your lending specialist. It means that we will find, compare, and tailor the jet ski loan solution that matches your requirements.

jet ski rider on lake

Who ShouldGet Watercraft Finance

Jet skis, water scooters, or wave runners – they’re all amazing fun on Perth’s rivers and the Indian Ocean! Buying them, however, is not often in anyone’s budget.

Financing a watercraft is not always easy. It is why Loans Unlimited has a package designed especially for those who love an adrenaline-filled ride.

In our years in the industry, we know what our customers want:

  • A stress-free application process that can be carried out even when you’re at home
  • The lowest possible rates
  • Desirable terms and repayments
  • Several choices, including secured vs unsecured, and variable vs fixed interest rates

Apply now and find out fast if you are pre-approved. You can also speak with our lending specialists, who can provide you with more information about our services and offers.

You can also set up a loan pre-approval, which will allow you to determine how much you can borrow before you proceed with the actual loan. This step is extremely helpful, especially for those who have not borrowed from us before.

You can figure out the overall cost, including the interest and repayments, before you commit to purchasing your watercraft. Don’t worry; this service is obligation-free!

Why ChooseLoans Unlimited for Your Jet Ski Loan

Since our inception, we have been committed to helping Australians live the life they want. Our goal is to assist in upgrading people’s lifestyles, especially those who are fond of water adventures. 

There is no shortage of beaches and rivers in Western Australia where you can go jet skiing. But often, the problem comes with financing. It is why we have partnered with 30 of the best lenders in Australia so that we can give you low-rate finance. That way, you can finally ride the watercraft of your dreams.

Our options include:

  • Competitive interest rates and fees
  • Fixed-rate
  • Low repayments
  • Flexible terms
  • Easy application
  • Fast approvals and even quicker payouts

We have a vast network of lenders, which means you can find the product you need. If you want to buy a new jet ski, we are confident that we have a suitable lender for you. The same thing applies to used and private-sale.

We have specialists who will negotiate with the lenders to get the best rates and lowest repayments. We do all the running around so you can just focus on what matters to you.

jet ski rider perfroming tricks

It’s so easy! Now it is time to reward yourself with the jetski you have always wanted – you deserve it. Contact us today by filling out the form below.

Finance CalculatorHow Much Will It Cost?

How much can you afford with a loan? We’ll help you discover the amount that you can comfortably borrow.

Use the calculator below to calculate your repayments. You can then adjust the amounts until you find the most convenient for you and your budget.



1 year7 years

5 years

4% interest P.A15% interest P.A

Interest p.a. 5.1%
Repayment period:
Balloon payment:
Balloon Percent 30%

Repayment is

$278 p/w

$24900 balloon payment

Jet Ski Finance FAQs

The price depends on several factors, including the brand, condition, model, size, and features. New jet skis typically cost anywhere from $6,000 to $20,000. They can be of a luxury type, which is often on the high end of the spectrum, ranging from ($14,000 to $19,000+). Others are considered for recreation ($8,000-$12,000), performance ($10,000-$16,000) and rec-lite, which are typically the affordable kind ($6,000-$10,000). The prices listed above are not definitive and should not be taken otherwise. Because of the ever-changing market, the costs can vary significantly. We advise you to do your own research before applying for financing.
A jet ski loan from Loans Unlimited is quite straightforward. It works like other types of loan, particularly a personal loan. However, the difference is that it caters specifically for them. If you are familiar with how general types of loans work, financing will be easy to understand. Aside from the principal amount, you will also have to pay the interest rate. The amount you can borrow will be subject to approval. Still, you can choose the loan term so you can comfortably repay the borrowed amount. If you plan to buy a new or second-hand, we highly suggest applying for jet ski finance rather than a personal loan.

Loans Unlimited offers financing for those who are dedicated to high-speed water sports, including jet-skiing, flyboarding, and jet ski racing. Renting is less expensive, but then it is not yours, and there is no guarantee of the vessel’s quality. If you are tired of renting a and you want your own watercraft that you can ride whenever you want, a loan is for you.

Our financing is flexible. You are allowed to use the funds you receive on a new or second-hand jet ski. It can be for personal use or business where you let renters use the jet ski. There are no restrictions when it comes to the type of jet ski you would like to purchase, including recreation, luxury, or performance.

Financing a personal watercraft is like financing a car. You will need to complete a loan application, which will allow verification of your credit, income, assets, and current financial responsibilities. These details help determine the loan you will be approved of, along with the specific watercraft you would like to purchase.

Suppose you have a good credit score with readiness to provide money down or deposit. Plus, your debt to income ratio is low. In that case, the costs will be favourable to you.

A jet ski loan can either be secured or unsecured, depending on the lender. A secured loan gives you lower interest rates and a faster approval. However, you will need to provide an asset for security. Meanwhile, an unsecured loan typically has a higher rate, although you do not have to provide any asset to get approved.

In many instances, you can use the jet ski as collateral. Remember that you need to pay on time and in full; otherwise, you risk losing the watercraft.

Aside from borrowing the needed amount without offering additional security, the interest rate is generally still affordable. Since there is no collateral involved, you do not have to worry about losing any asset in case you have trouble paying for the loan. It’s important to have a good credit history to help increase your chances of getting approved. Your credit standing significantly dictates the interest, along with your ability to pay for the loan.

working in office

Start YOurJourney Today

Whether you are looking to upgrade or just get your first jet ski, talk to us today to find the best finances for you. We want to help you enjoy life and get out on the water in Perth!

Call the team on 1300 212 200 today.

Better Answers andLowest Rates Start Here

Getting your rate here will not affect your credit score