Compare Boat Loan Rates in New Zealand
Find the best boat finance deals from New Zealand's leading marine lenders. Compare interest rates, fees, and terms to get the perfect loan for your boat.
Top Boat Loan Rates Comparison
| Lender | Interest Rate | Max Loan Amount | Max Term | Application Fee | Features |
|---|---|---|---|---|---|
ANZ Major Bank | 6.99% p.a. variable | $500,000 | 15 years | $395 | Fast approval |
ASB Major Bank | 7.25% p.a. fixed | $750,000 | 20 years | $295 | Best rates |
BNZ Major Bank | 7.45% p.a. variable | $400,000 | 15 years | $350 | Flexible terms |
Westpac Major Bank | 7.99% p.a. variable | $300,000 | 12 years | $395 | Low fees |
Kiwibank NZ Owned | 8.25% p.a. variable | $250,000 | 10 years | $200 | NZ owned |
*Rates shown are indicative and subject to credit approval. Terms and conditions apply.
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What to Consider When Comparing Boat Loans
Interest Rate Type
Fixed rates provide certainty, while variable rates may offer savings if rates fall.
Loan Term
Longer terms mean lower payments but more interest paid overall.
Deposit Required
Higher deposits typically secure better interest rates and terms.
Fees and Charges
Consider application fees, ongoing fees, and early repayment penalties.
Pre-approval
Getting pre-approved strengthens your negotiating position when buying.
Boat Age Limits
Most lenders have maximum age restrictions (typically 15-20 years).
Ready to Compare Your Options?
Get personalized quotes from multiple lenders in minutes. Compare rates, terms, and find your perfect boat loan.