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Watercraft Finance

If it floats, we can finance it

We specialise in helping people just like you to get watercraft finance or a watercraft loan. Using a broker is the easiest way to help reduce some of the stress you may feel when arranging watercraft finance. Our job as a broker is to understand the criteria each lender considers before they make a decision. We then use that information to come up with a short-list of the lenders who are likely to approve your loan at a great rate. We then present our watercraft loan recommendations to you for discussion. Most of our clients typically focus on the interest rates and repayments. However we’ll also discuss fees and flexibility, amongst other things.

The process

Simplicity is the key, so we break the watercraft finance process into a number of small steps. We start by having a chat over the phone, we then make an assessment of your individual requirements. We’ll even check your credit report as this may help get you a better deal. From there, we issue you with a written quote. When you are happy to proceed, you authorise us in writing to lodge an application on your behalf.

Once you are approved

The fun part begins, now that you have your watercraft finance approval. With your watercraft loan approval in hand, all you need to do is find the watercraft, agree on the price and we’ll take care of the rest. It’s worth mentioning, if you are buying through a private seller, your lender may require a finance inspection prior to settlement. It’s pretty simple and involves about 5 minutes of your time. Of course, every borrower will need to arrange their insurance too, but once again, it’s a very quick and simple process.  You can even do it over the phone with most insurers. We make getting a watercraft finance approval simple.

Lenders you can trust

How we can help you

You Can Finance, part of You Can Group, specialises in helping everyday Australians, tradies and business owners to finance cars, trucks, motorbikes, equipment, caravans, boats, jet-skis and other business equipment.
  • Australian Credit Licence (No. 511531)
  • FBAA Accredited Member (No. M-342583)
  • AFCA Member (No. 62643)
You Can Finance - Lenders you can trust

Our clients are saying

Amazing service, Michael Is very helpful

Everything was made very clear and it was a very simple and smooth process thanks to Michael

- By Brianna Cotton 2 years ago

Fast and reliable

Michael was extremely helpful and guided me through the personal loan process in a timely way to help find an affordable product. I had some issues with submitt…

- By Roo Shannon 2 years ago

Amazing Experience 👏

Michael was amazing 👏 went above an beyond to get our finance for the new car. The first day I call him he was so helpful and had so much knowledge in finan…

- By Cassandra Formosa 2 years ago

Happy Customer

Michael made the process very smooth, effortless and quick compared to other financial institutions.

- By Lea-ann Ortolani 2 years ago

Yes, You Can Finance.

Our request for a debt consolidation loan was not a straight forward matter considering our personal circumstances. However after receiving our initial applicat…

- By Anonymous 2 years ago

Client Feedback

I would 100% recommend You Can Finance to anyone wanting to get a loan. This was my first time getting a loan out and it’s was a lot more stress free then I t…

- By Brinlee Hartwig 3 years ago

You Can Finance is rated 5 for customer satisfaction by 42 customers

Questions

How can I get great watercraft finance?

The right watercraft finance for you will come down to your individual circumstances. There is no ‘one size fits all’ answer. When comparing watercraft finance, factors such as how long you want to borrow the money for and whether you want to pay it out early can also weigh in on the final choice you’ll make.

How much can I spend?

That’s exactly what we can help you with – request a Quick Quote now and we’ll let you know within a few minutes. You may have been declined and told you were unable to afford the loan. A good broker should be able to give you a reasonable idea of what you can afford before you put in an application – just ask and we can help.

Can I buy a watercraft from a private seller?

Yes, with some lenders, the rate will be the same if you buy privately or from a dealer. Also, some lenders will require you to engage a third-party inspector to look at the watercraft prior to settlement. Alternatively, we can recommend a lender that will provide you with a great price and the flexibility you require.

How long does it take to get watercraft finance?

Not long at all. You can request a quote online and we’ll have it back to you in no time at all. Alternatively, we can chat over the phone to find out what you’re looking for and then email or post it you in writing. Either way, as quickly as you can answer the questions relevant to your situation, we can give you a quote.

I have bad credit, can I still get watercraft finance?

Yes, there’s not much we haven’t seen. We are experts in getting loans approved when they have been declined elsewhere. We have been helping people with bad credit for over 20 years.

What kinds of things do I need to provide to get an approval?

These days, with internet banking, if you work for someone else (e.g. PAYG), you really only need to start by sending us your 2 most recent payslips and a copy of your photographic ID (i.e. Driver’s Licence). If you’re self-employed and hold your own ABN, just start by sending us a copy of your Driver’s Licence. If we need anything else from there, we’ll let you know exactly what the lender requires as it varies considerably depending upon your circumstances. Generally, a self-employed application is a very straight forward and easy process.

Hints and tips

What can I do to get the best deal?

Long term stable employment and the time you have lived in both your current and previous homes go a long way to making a lot of lenders feel comfortable that you will be a low risk borrower. If the lender feels that you are low risk, then you’ll more likely be eligible for the best watercraft loan deals. However, there are more important things in life that override your decisions to move jobs or homes. So focus on things like making sure that you pay your bills on time and avoid getting any reversals or dishonours on your bank statements, as these can often lead you further away from the best deals.

Preparation is key to a quick approval

Naturally, the easiest and quickest loan approvals tend to be offered to those who have all their paperwork up to date and on hand. However, if you are in this category, you’re probably the exception to the rule, as most people are focused on what’s happening today and sorting out the paperwork later. We know how hard most people work, so if your paperwork is not up-to-date, we can still get you approved quickly and easily. Contact us today to find out how easy it really is.