New Zealand's #1 Boat Loan Calculator
Compare real rates from 6+ major lenders instantly. Calculate accurate payments for boats, yachts, and jet skis. Get personalized quotes in under 60 seconds.
Calculate Your Boat Loan
Why Use Our Calculator?
- ✓Compare rates from 6+ major NZ lenders
- ✓Instant results with real market rates
- ✓No impact on your credit score
- ✓Free personalized quotes
Next Steps
- 1Use the calculator above to estimate your payments
- 2Click "Apply Now" to get personalized quotes
- 3Compare offers and choose your ideal lender
How to Use Our Boat Loan Calculator
Enter Your Details
Input your boat price, deposit amount, and preferred loan term to get started.
Compare Rates
See instant rate comparisons from New Zealand's top marine finance lenders.
Get Quotes
Request personalized quotes and choose the best deal for your marine finance needs.
Why Our Calculator is Different
Real Market Rates
Our calculator uses actual rates from major NZ lenders, not generic estimates.
Boat-Specific Calculations
Different rates for new boats, used boats, yachts, and jet skis based on lender policies.
Deposit Flexibility
Adjust your deposit amount to see how it impacts your monthly payments and total interest.
Instant Comparisons
Compare multiple lenders side-by-side to find the best deal for your situation.
Boat Loan Calculator FAQ
How accurate are the calculator results?
Our calculator uses real market rates from major NZ lenders. However, your actual rate will depend on your credit score, income, and the specific boat you're financing. The results provide a good estimate for planning purposes.
What types of boats can I finance?
Most lenders finance powerboats, sailboats, yachts, jet skis, and personal watercraft. Some may have restrictions on age, size, or value. Our calculator includes options for new boats, used boats, yachts, and jet skis.
How much deposit do I need?
Deposit requirements vary by lender and boat type. Most lenders require 10-20% for new boats and 20-30% for used boats. A larger deposit typically results in better interest rates and lower monthly payments.
Does using the calculator affect my credit score?
No, using our calculator has no impact on your credit score. It's completely free and doesn't require a credit check. Only formal loan applications with lenders will involve credit checks.