Finance 
If you're planning to be on the water this summer, now is the time to sort your finance — not in November when everyone else has the same idea and good stock has already moved.
Why Timing Matters
The New Zealand marine and leisure market moves fast in the lead-up to summer. Boats, personal watercraft (PWC), and caravans that sit for months over winter tend to find buyers quickly once the weather shifts. Private sellers know this too, and pricing reflects it.
Getting finance in place before peak season means you can move on the right craft when you find it — rather than losing it while you wait for approval. It also means you're not making a rushed decision on a major purchase because you're worried about someone else buying it.
What Finance Worx Can Arrange
Finance is available for:
- Boats — trailer boats, fishing boats, cabin cruisers, sport boats
- Jetskis and personal watercraft — new and used, dealer and private sale
- Trailers — often bundled into the same finance package as the craft
- Outboard motors — can be financed separately or as part of a boat package
Loan terms typically run from one to five years depending on the asset, with rates based on your credit and income profile. For a full breakdown of boat finance specifically, see our boat finance NZ guide, and for personal watercraft our jetski and PWC finance guide.
Private Sale vs Dealer
A significant portion of the marine market trades privately — and private sale finance is just as straightforward as dealer purchases. Finance Worx manages the verification process and handles any existing finance on the craft as part of settlement either way.
Having finance arranged in advance puts you in a stronger negotiating position whether you're buying from a dealer or a private seller. For more on how private sale finance works, see our post on private sale finance.
Getting Pre-Approved
Pre-approval takes a few minutes online and gives you a confirmed budget before you start shopping. You don't need to have found the boat or jetski yet — just let Finance Worx know the approximate purchase price range and asset type.
When you find the right craft, Finance Worx can move to formal approval and settlement quickly — often the same day.
Find out more about boat finance and jetski finance, or explore the full range of marine and leisure finance options. Apply now or contact us to get sorted before summer.