Loans as they should be
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Borrow up to $50,000 for a new or used vehicle
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Simple online application
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Loan terms from 18 to 60 months
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No early repayment fees
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Two weeks conditional pre-approval
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Fast finance – funds typically disbursed within 24 hours of approval
Learn more about our jet ski loans
Jet Ski Loans with Rapid
Imagine this. It’s a perfect day and all you want to do is be out on the water zipping around. However, jet skis are often priced between $5,000 and $25,000 or more. This is why many buyers look for flexible jet ski finance to make the dream happen. You can live out your water-sport dreams by applying for a Rapid jet ski loan.
At Rapid, we help everyday Australians access simple and transparent loans, to help them get the gear they want, without the financial stress. Our secured vehicle loans for jet skis are backed by the watercraft you’re purchasing, just like a car loan. With a simple online application and personalised customer service, getting your own jet ski has never been easier.
Apply online today so your weekends could be fun-filled with the newest model or adrenaline-packed with a reliable second-hand option. Our loans are designed to help everyday Australians unlock the road (or ocean) ahead.
Make a Splash with Easy Jet Ski Financing
There’s nothing like owning your own jet ski to take out whenever you want to, but the upfront costs and maintenance costs can be a roadblock. That’s where Rapid’s jet ski loans come in.
Instead of waiting for that bonus, or pulling from your savings, you can spread the cost over manageable repayments and get out on the water sooner.
Whether it’s for summer adventures, exploring coastal waterways, or simply upgrading your current ride, we’re here to help you make a splash without financial stress.
Jet Ski Loan Options for New and Used Models
Every rider and every budget is different. That’s why we offer flexible jet ski loan options for both new and used models. Whether you’re buying your first personal watercraft or upgrading to something faster, we make the process easy and straightforward.
You might choose a new jet ski for warranty coverage, newer features, and peace of mind – or opt for a used jet ski to save money and get more value for your budget.
You can also use your secured jet ski loan to cover additional costs like safety equipment, trailer purchases, registration fees and licensing, servicing, insurance, and accessories.
With Rapid, you can borrow between $5,000 and $50,000 with flexible loan terms that suit your financial position. With fixed interest rates and consistent repayments and no fees for early payout, budgeting is simple and effortless.
Am I Eligible for a Jet Ski Loan?
At Rapid, we’re focused on helping real people with real plans. We know not everyone has a perfect credit history. And that’s okay. We look at your whole financial picture, not just your credit score, and help everyday Australians find practical, affordable finance solutions.
To be eligible for a jet ski loan with Rapid, you need to be at least 18 years old, an Australian citizen or permanent resident, earn a regular income from employment or government support that allows you to make comfortable repayments, and be buying a registered, seaworthy jet ski – new or used.
What Documents Do I Need to Apply?
Applying for jet ski finance with Rapid is simple. You’ll need to provide a valid ID, proof of income (recent payslips, bank statements, or benefit documents), details of expenses and existing loans, information about the vehicle you are using as security, and the purchase details of the jet ski you want to buy.
Once submitted, we’ll assess your application promptly – often within one business day – and transfer the funds directly so you can finalise your purchase. We know life moves fast – so our application is online, mobile-friendly, and designed to make things easier. Having these documents ready can help speed up the process and get you out on the water sooner.
How It Works
1. Apply Online
Get started with our simple online application and be on your way in just a few clicks! Our secure online platform keeps your information safe.
2. We’ll Get In Touch
Your application will be reviewed and one of our friendly loan consultants will be in touch soon! We’re here to help.
3. Receive Funds
We take our commitment to being fast seriously! If you applied in the morning and were approved, your funds could be available the very same day.
Why go with Rapid for your loan?
Loans Tailored to You
Our auto and personal loan products were created with our customers in mind. We live in the real world too, so we created flexible loan solutions to suit most circumstances.
Quick and Easy Process
Our online application takes just minutes and our secure online portal allows you to upload your essential documents quickly and conveniently.
Personalised Service
Like everything at Rapid, we make sure dealing with our professional customer service representatives is straightforward and simple. We’re here for you!
Trusted Lender
We’ve funded loans for over 50,000 happy customers to make life happen. Our people are experienced, professional and understand that life isn’t always straightforward.
Explore Our Other Loan Types
Boat Loans
For feeling the wind in your hair
Motorhome Loans
For when it’s time to hit the open road
Motorcycle Loans
For the times you want to rev your engine
Used Car Loans
For when its time for that new car smell
Jet ski loan questions
Can I take out a loan for a jet ski?
Yes, you can take out a loan to finance a jet ski. Purchasing a jet ski with cash upfront can be a significant financial burden for many people, and taking out a loan is an excellent option to spread the cost over a more extended period. Many financial institutions offer loans specifically designed for purchasing recreational vehicles, including jet skis. These loans are often referred to as “jet ski loans” or “watercraft loans.”
Financing a jet ski is an excellent option for those who want to enjoy the water without spending a large sum upfront. While getting a jet ski loan may seem challenging, it’s important to prepare ahead of time, review your credit score, and compare different lenders’ rates and terms to find the best option for your situation.
Is it hard to get a jet ski loan?
The difficulty of getting a jet ski loan largely depends on your financial circumstances and credit history. If you have a good credit score, a stable income, and a reasonable debt-to-income ratio, you should have no trouble securing a loan. However, if you have a poor credit score or a history of missed payments, lenders may view you as a higher risk and be more hesitant to approve your loan application. At Rapid Loans, we look at every application individually and make sure that we get the loan that is most suited to you and your lifestyle.
To increase your chances of getting a jet ski loan, it’s important to prepare ahead of time. You should review your credit report and score, gather proof of income and employment, and be ready to provide any additional documentation that lenders may require. Once you have all of your important information and documents, you can apply for your jet ski loan with our quick and easy online loan application. In most cases, you’ll hear whether you’re approved or not on the same day and if approved, you could receive the funds the same or the very next day.
Can I still get a jet ski loan if I am self-employed?
Yes, self-employed individuals can still qualify for a jet ski loan. However, at Rapid Loans we may require proof of stable income and employment, and self-employed individuals may need to provide additional documentation to demonstrate their financial stability. You may need to provide tax returns, bank statements, and other financial documents to prove your income and ability to repay the loan. At Rapid Loans, our loans are secured loans, so we will also require an asset to secure your loan against.
Do I need a good credit history to finance a jet ski?
Having a good credit history can certainly make it easier to secure a jet ski loan, but it’s not always necessary. At Rapid Loans, we are happy to offer loans to individuals with less-than-perfect credit, but in some cases, we may require a co-signer to help guarantee the loan. It’s always a good idea to read the terms and conditions before applying for jet ski finance with Rapid Loans to ensure you understand what it required of you if you are approved.
Can I finance a second-hand jet ski?
Yes! We offer finance for used jet skis as well as brand new models. The jet ski just needs to be registered and in good condition. Whether you’re buying from a dealership or a private sale, we can help arrange funding.
What’s the repayment term for jet ski loans?
Repayment terms vary based on your loan amount and financial situation, but we offer flexible terms from 18 to 60 months so you can choose what works for you. We’ll discuss all options clearly during the assessment process.
Do I need a boating license to apply?
No. You don’t need to hold a boating licence at the time of application, but most states in Australia require a personal watercraft licence to legally operate a jet ski. Make sure you check local laws and plan to obtain a licence before riding.
What could my interest rate be on jet ski finance with Rapid Loans?
Interest rates on boat finance with Rapid Loans can vary depending on a number of factors, including your credit score, income, and the amount of the loan. Rapid Loans offers interest rates based on each individual customer and flexible repayment terms, making it a popular choice for financing a jet ski or other recreational vehicle. It’s always best to get in contact with our customer service team directly to get an accurate estimate of what your interest rate and monthly payments might be.