Get out on the water with ease

Don't let financing hold you back. At MatchMe Money, we can match you with boat and trailer loans in minutes, offering competitive rates and affordable loan options for boats, jet skis and kayaks.

Fishing boat in ocean

Marine loans to suit your lifestyle

MatchMe Money provides smarter financing solutions, seamlessly connecting New Zealanders with the financial products they need for their new boats, jet skis and kayaks.

Tailored marine financing

From fishing to leisurely sails, we can match you with loans suited for your vessel, trailer or outboard in minutes.

Save time and money

We connect you with a network of lenders, ensuring you get competitive rates without having to shop around for your boat loan.

Stress free finance

Discover loan options that perfectly suit your budget and boating style, then apply with ease for a hassle-free experience.

Couple used a personal loan for their yacht

Loans for all types of watercraft

  • New watercraft

    Finance a brand-new boat, jet ski or kayak

  • Fishing boats and kayaks

    Finance for purpose-built fishing craft

  • Used watercraft

    Fund a pre-loved vessel to get you out on the water

  • Trailers and outboards

    Finance for a new trailer or outboard

  • Yachts, sailing dinghy's

    Finance your sport or home out on the water

How it works

Getting started is simple

1
Tell us about you

Answer a few questions and verify your identity in a few minutes with just your driver's license or passport.

2
Get matched in minutes

We handle the legwork, assessing your likelihood of approval and matching you with lenders.

3
Find your ideal loan

Explore transparent loan options and terms, selecting the loan best suited for your budget and needs.

4
Sign and drive away

We facilitate signing of the loan documents and quick release of funds, getting you on the water faster.

Marine loan repayment calculator

Plan your ride out on the water with confidence. Estimate how much your repayments could be, based on how long you would like to make them for.

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Estimated monthly loan repayments from

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Total repayment (Incl. interest and fees)

The estimated monthly loan repayment figures illustrated above do not constitute a credit offer and are subject to both: (i) your chosen individual lender's approval to lend, and their terms and conditions; and (ii) MatchMe Money's own terms and conditions (including, in both cases, any additional establishment, introduction, security registration and other miscellaneous fees. MatchMe Money's fees information can be found on our interest rates and fees page. Your selected lender's own terms and conditions will be provided in the loan documentation that they will provide to you (if successful). We recommend seeking and obtaining your own financial advice before committing to any loan or financial product.

key loan information

What you need to know up front

Over 18 years of age
Valid New Zealand passport or drivers license
New Zealand citizen, permanent resident or visa holder
No active defaults, judgements or bankruptcies
$3,000 - $100,000
Loan amount
Up to $395
Establishment fee
10.95% - 29.95%
Interest rates
Up to $995
Introducer fee

View further information about our interest rates and fees.

Secured or unsecured loan?

Secured personal loans use an asset (like a vehicle or property) as security, and lenders may offer lower interest rates, higher borrowing limits, and longer repayment terms. However, the asset may possibly be repossessed if you do not keep up on the payments for the loan.

Unsecured loans don't require security, which could provide more flexibility in fund usage and possibly a simpler application process. However, these loans typically have higher rates, lower limits, and possibly shorter terms.

Whether you need a secured on unsecured loan, MatchMe Money can help match you with loan options tailored to your financial situation.

Teenager on her dad's jet ski funded with a MatchMe Money loan

In case you missed anything?

What types of boats or watercraft can I finance?

Our loans cover a wide range of vessels, including fishing boats, yachts, dinghy, jet skis, fishing kayaks, even trailers and outboards. Whether you're looking for a weekend fishing boat or a high-performance jet ski, we can help you find the right financing option to suit your needs.

How much can I borrow for my boat loan?

The amount you can borrow depends on factors such as the value of the boat or watercraft, your income, and credit history. We can connect you to lenders offering loans from $3,000 - $100,000, catering to various watercraft and budgets.

Can I use the loan for accessories, trailers, or equipment?

Absolutely! Our loans can cover not just the boat or watercraft itself, but also essential accessories, trailers, and equipment you might need, such as navigation systems, safety gear, or fishing equipment.

Are the interest rates different for boat loans and watercraft different?

Interest rates may vary depending on the vessel and loan term. We'll provide transparent information about rates and fees upfront when you apply, ensuring you get matched to loans that fit your circumstances.

How long are the loan terms for boat financing?

We offer flexible loan terms ranging from 1 to 5 years, allowing you to balance affordable monthly payments with a repayment schedule that suits your needs.

Still have questions?

Explore our Frequently Asked Questions so that you can make an informed decision about your boat or watercraft loan. If you need further assistance, our team is here to help.

Loans for all types of vehicles

Whether you're thinking of a new car, an electric vehicle, a boat for weekend getaways, a motorcycle for exhilarating rides, or  a caravan for your next holiday, we're here to help.

Why choose us

As a New Zealand-based company, we understand the unique needs of Kiwis and the local finance landscape. We’re here to assist you with personalised, transparent, and reliable financial solutions.

Cutting edge technology

We use the latest technology to match you to lenders fast, giving you access to personal loan options all in one place.

Comprehensive security

Your personal and financial information is safe guarded with bank-level encryption, giving you peace of mind throughout the application process.

Transparency you can trust

We believe in clear honest communication, no hidden fees or confusing jargon.

Important information
  1. Interest rates can range from 10.95% p.a. to 29.95% p.a. for vehicle and personal loans with terms of 12 to 60 months. Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.
  2. Please view our rates and fees. Additional lender fees may apply. Please review all fees in any loan contract before accepting. Approval is subject to lending criteria and an affordability assessment. Offers are subject to approval. Terms and conditions apply.
  3. Please note that we do not provide financial advice. The information on this page does not constitute a loan offer. We strongly recommend that you seek independent financial advice before making any financial decisions. Every individual's financial situation is unique, and a qualified financial advisor can provide personalised guidance based on your specific circumstances.
  4. Taking out a loan is a significant financial decision. Make sure you fully understand all terms, conditions, and potential costs before proceeding. If you have any questions about the information provided, please don't hesitate to ask us for clarification.

Your time on the water starts here

Let us help finance your new vessel. Quick and easy.