Feature article

Boat Financing in New Zealand: Everything You Need to Know

Learn how to navigate boat finance in NZ, from finding the best rates to understanding dealer options and requirements.

Eve Hodgson
Last updated: 12 December 2025 | 4 min read

What are the best options for boat financing in NZ?

1. Specialist Marine Finance Companies

2. Banks

3. Dealer Financing

How to calculate boat finance

When calculating repayments, you need to factor in:

Options for dealer financing

How to find the best rate

To get the best rate:

Typical terms and things to look out for

How common is 100% finance?

What to know if you have bad credit

Ready to find your dream boat?

Author

Eve Hodgson Eve Hodgson