Marine Finance.
You've got the boat in mind - or you've already found the one. What you need is the finance to make it yours. Co-Pilot Finance & Insurance compares marine loans across 60+ lenders - powerboats, yachts, jet skis, and commercial vessels, new or used - to find the right rate and structure for your situation.
Get a free quote
Won't affect your credit score.
What can we help you with?
Our Services
Marine finance options - boats, yachts, jet skis and commercial vessels
Whether you're buying a personal watercraft or financing a commercial vessel, we find the lender and the structure that fit - here is the full suite of marine finance we arrange.
Boat Loans
Owning the boat is the fun part - we handle the rest. Competitive rates, flexible terms, and an application that does not drag on for weeks.
Yacht Financing
High-value vessels need lenders comfortable writing them. We know who they are - and how to structure the loan so it stacks up.
Jet Ski Finance
Quick approvals and sensible terms - you're on the water, not stuck in paperwork.
Commercial Vessel Loans
Fishing, tourism or transport - commercial vessel finance structured around how the boat earns.
Refinancing Marine Loans
Already financed? We re-check the market - a better rate or terms can be worth thousands over the loan.
Marine Insurance Options
While we are sorting the finance, we can sort the cover too - from basic hull-only policies to full comprehensive marine insurance, compared across 90+ insurers.
Run The Numbers
Calculate your marine finance repayments
Enter your loan details
Estimated repayment
$1,103.09 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term, plus a lump-sum balloon payment due at the end. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
What You Can Finance
What we finance - powerboats, yachts, jet skis and commercial vessels
Marine finance covers a wide range of watercraft - from entry-level runabouts to high-value luxury vessels and commercial boats.
Eligibility
Marine finance eligibility - what lenders in Australia look for
Most Australians with stable income and a reasonable credit history can access marine finance. Co-Pilot works across a broad range of borrower profiles.
Age Requirement
Must be 18 years or older to apply for marine finance.
Australian Residency
Australian resident or holder of a valid visa with right to work.
Proof of Stable Income
A verifiable, consistent income source to support loan repayments.
Good Credit History
A positive credit history; Co-Pilot works with a broad range of credit profiles.
Why Co-Pilot
Why Co-Pilot for marine finance - not just any broker
We work for you, not the lender
Co-Pilot is an independent broker. We're not tied to any bank or dealership - the finance we recommend is the one that suits your situation, not the one that earns us the most.
Lender relationships that open doors
With 60+ lenders on our panel, we access specialist options for high-value vessels, older boats, private sales, and commercial craft - categories where going direct often means a decline.
Honest advice on vessel type, age, and lender criteria
Marine lenders have specific criteria around boat age, condition, and use. We know which lenders work for your vessel before submitting - protecting your credit score from unnecessary declines.
Clear communication, no surprises
You'll know where your application stands at every step. We handle the paperwork and lender communication so you can focus on getting on the water.
Marine finance - how it works
Tell us the vessel. We'll find the finance.
We assess the vessel type, age, intended use, and your financial profile, then compare across 60+ lenders - including specialists for high-value yachts, older boats, and commercial craft where standard lenders often decline.
No hard credit enquiry until you're ready to proceed. Most approvals within 24-48 hours. We handle the paperwork so you can focus on getting on the water.
Hear What Our Clients Are Saying
“Co - Pilot handled my insurance exceptionally well and very professionally. My point of contact was Jonny and even after hours he’d pick up my call and arranged for another meeting.”
Tony N
FAQ
Common Questions About Marine Finance
Got a vessel in mind?
Let's get it financed.
Tell us the boat and your situation. We compare 60+ lenders to find the right marine finance structure for you.
No impact to your credit score