The stars have almost aligned: you’ve found your perfect boat and you’re ready to buy. But how can you secure financing if you work FIFO or live in the regions?
The answer is with Loans Unlimited! Regardless of where you live, our partners are willing to fuel your boat buying dreams. Here’s how our Perth crew can get boat finance for FIFO workers and remote West Aussies.
FIFO work comes with long hours, and sometimes income that doesn’t always follow the “standard” pattern banks want to see, especially with intermittent shutdown work.
At Loans Unlimited, we’re partnered with over 40 lenders, many of which are happy to lend to FIFO workers. They know how to:
Work with casual or roster-based income
Handle inconsistent pay cycles or allowances
Structure loans around your time on-site and off
Communicate around your schedule (not just 9–5)
Thanks to our crew, hundreds of rig workers and rail techs have found themselves at the helm of their dream vessel.
We don’t want you to spend your days off waiting at the bank. With Loans Unlimited, you can apply for a boat loan 100% online. That means:
You can apply on site, at home or in transit
All of your documents are uploaded digitally
We’ll work around limited phone reception or Wi-Fi
You can sign everything electronically
It doesn’t matter if you live in Kalgoorlie or are on site in Newman, we can get your application approved from all over WA.
Whether you’ve found a boat at a dealer in Perth or with a local seller in Geraldton, we can help finance it. Our lenders are open to:
New or used boats
Private sales with proper documentation
Trailers and accessories bundled into the loan
We’ll help verify the boat’s history and make sure there’s no finance still owing on it. That way you don’t end up with someone else’s debt once your cleared for take-off.
If you’re working FIFO, you might find that you’re missing some of the paperwork that the banks often ask for.
Good news! If you work through an ABN, we may be able to help you with a low doc loan. We’ll have a look at your overall income (not just what the bank wants to see) and match you with a suitable lender.
Just make sure you mention it when you start your application!
Living outside the metro area doesn’t mean you can’t land the right boat. Here’s a few tips to help you glide through the purchasing process:
Ask the seller for clear photos and a detailed description (including trailer and engine hours)
Use a mobile marine mechanic for inspections if you can’t view in person
Confirm if the seller offers delivery or can meet halfway
For buyers in Australia, use our boat loan calculator to get a full understanding of your loan
We’ve helped plenty of regional West Aussies shoot their boat buying dreams into orbit. Let us secure you a fast and smooth deal, wherever you’re based.
At Loans Unlimited, we don’t think your postcode or swing should get in the way of your lifestyle. We want to help you plan that fishing trip on the Fitzroy and get you cruising past those crystal beaches at Rottnest.
With access to 40+ lenders across the galaxy, we can find you a loan that works with your income, schedule and location.
Don’t stay stuck on the launchpad, start your boat loan application by hitting ‘apply now’ and let our Perth crew handle the rest!
Loans Unlimited are Perth and Western Australia’s premier loan and finance brokers. We have helped thousands move towards their financial goals by offering lower rates and faster approvals when it matters. Financial services are provided by Total Biz Pty Ltd T/A Loans Unlimited ABN 78 624 937 882 ACL 506875.
* The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not take into account suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.
