Reviews collected under Lending Room — the team behind Zooma
Don't let finance hold you back from the water. Apply once with Zooma and we match you to lenders who specialise in recreational vessel finance. Rates from 8.99% p.a. with no impact on your credit score from our check.
Most applicants hear back the same business day. Not sure you qualify? Check here →
From a family runabout to a serious offshore fishing vessel, we match you to the right lender for your water vehicle.
Finance a new or used runabout or bowrider for family days on the water. Dealer and private sale accepted. Trailers included in the loan.
From small tinnies to serious offshore vessels. Finance the full package including trailer, motor and accessories.
Personal watercraft including Jet Ski, Sea-Doo and WaveRunner. New and used accepted. Finance the ski and trailer together.
Larger vessels for coastal cruising or overnight stays. Finance up to $250,000 for the right vessel.
Finance the full package — trailer, motor upgrades, electronics and accessories as part of your loan.
Apply once and our team will match you to the right lender for your specific vessel or watercraft.
One short form. We handle the matching, the follow-up and the paperwork — so you can focus on getting on the water.
Tell us the type of boat or jetski, whether it is new or used, the estimated price and a bit about your situation. Takes around 5 minutes. You can apply before you have found the specific vessel — pre-approval gives you a clear budget.
We run a single soft credit check with zero impact on your score and assess your application. We then identify the lender on our panel best suited to finance your vessel — someone who understands recreational marine assets, not just standard car or personal loans.
We come back with your result. If it works for you, we guide you through to settlement. Trailer, motor and accessories can be included in the same loan. No obligation at any stage and no pressure to proceed.
Estimate your repayments
Adjust the sliders to see what your boat or jetski loan might cost.
Guide only. Actual rates depend on your profile and lender criteria. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender establishment fees up to $450 may apply.
One application reaches lenders who specialise in recreational vessel finance. No credit score impact from our check.
We run one soft credit check that does not affect your score. Apply directly to multiple lenders and each runs a hard inquiry — we avoid that entirely.
Our panel includes lenders who understand recreational vessel finance and can assess boats, jetskis and marine assets properly.
Whether you are buying from a dealer or a private seller, we work with lenders who can finance a wide range of vessels including older models.
Trailer, motor upgrades and accessories can be included in the same loan — so you are on the water with everything you need from day one.
Most employed New Zealanders with a stable income and good credit record can apply.
Full-time, part-time or self-employed with regular, verifiable income paid into a NZ bank account.
NZ citizens and permanent residents welcome. Open and employer-specific work visas with 13+ months remaining also accepted.
We assess your situation before approaching any lender. Apply and we will let you know where you stand.
New or used, dealer or private sale. Loan amounts from $3,000 to $250,000 across terms of 6 to 84 months.
Takes about 5 minutes. We assess your situation and match you to the right lender. No credit score impact at this stage and no obligation to proceed.
Get Started — 5 MinutesReal feedback from New Zealanders we have helped find the right loan.
Everything you need to know before you apply for a boat or jetski loan through Zooma.
Still not sure? Talk to our team
Yes. Personal loans and secured asset finance are common ways to fund a boat or jetski purchase in New Zealand. Rates start from 8.99% p.a. through Zooma — often significantly cheaper than dealer finance or credit cards.
No. We run a soft credit check during our assessment which does not appear on your credit file or affect your score. Once matched, some lenders accept our check while others may run their own standard check.
Yes. We work with lenders who finance both new and used vessels including older models and private sales. The lender we match you to will depend on the vessel age, value and your personal situation.
Yes. Trailer, motor upgrades, electronics and accessories can often be included in the same loan — so you can get on the water with everything you need from day one.
No. You can apply before you have found a vessel. Getting pre-approved gives you a clear budget and puts you in a stronger position when negotiating with a dealer or private seller.
Boat and jetski loan rates on our panel start from 8.99% p.a. (AIR) and go up to 29.95% p.a. depending on your credit profile, the vessel, loan amount and term. Secured loans — where the vessel acts as collateral — typically attract better rates than unsecured lending.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This is clearly disclosed before you commit. Lender establishment fees of up to $450 may also apply. There are no upfront fees to apply.
Yes. We accept open and employer-specific work visa holders with at least 13 months remaining on their visa, a regular NZ-based income and a good credit history.
Financing a boat or jetski in New Zealand is typically done through an unsecured personal loan or a secured asset finance loan. The right option depends on the vessel's value, your credit profile and how much you want to borrow.
Unsecured personal loans are the fastest option — no valuation required and funds can be available within days. For larger vessel purchases, a secured loan where the boat acts as collateral can unlock better rates. Zooma's panel includes lenders across both product types so we match you to the right structure for your situation.
Dealer finance is also commonly offered at the point of sale, but like car dealer finance, it often carries a commission that results in a higher rate than you would get through an independent broker.
Understanding typical vessel prices helps you plan the right loan amount:
A quality used family runabout typically costs $15,000–$40,000. New mid-range bowriders from major brands start around $35,000–$80,000 including trailer.
A decent used tinny with motor and trailer starts from $5,000–$15,000. Purpose-built offshore fishing rigs can range from $40,000 to well over $150,000 depending on size and specification.
A new Jet Ski, Sea-Doo or WaveRunner typically costs $12,000–$22,000 for a standard model, up to $30,000+ for performance variants. Used models can be found from $5,000–$12,000.
A used coastal launch suitable for overnight stays typically starts from $50,000. Larger cruisers and launches can reach $150,000–$250,000 depending on length, age and specification.
Zooma can arrange vessel finance from $3,000 to $250,000 across terms of 6 to 84 months. Trailer, motor upgrades and accessories can often be bundled into the same loan.
Getting pre-approved for your boat or jetski finance before you start shopping puts you in a significantly stronger position. You know your exact budget before you start negotiating, you can move quickly when the right vessel comes up — especially important for private sales — and you are not dependent on whatever rate the dealer offers at the point of sale.
Pre-approval through Zooma takes about 5 minutes. We run a soft credit check with no score impact and come back to you with your approval. There is no obligation to proceed and no pressure at any stage.
Many of the best boat deals on Trade Me and private sales go quickly. Having pre-approval means you can act immediately rather than scrambling to arrange finance after you have already found the vessel you want.
One application. Lenders who specialise in recreational vessel finance. Rates from 8.99% p.a. No credit score impact from our check.
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