Reviews collected under Lending Room, the team behind NeedCashToday
Do not let finance hold you back from the water. Apply once 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.
One short form, one soft credit check, and we match you to the lender best placed to fund your boat or jetski at a rate that works for you.
Share the vessel type, purchase price, whether it is new or used, and a few details about your financial situation. One form, done once — no repeated paperwork across multiple lenders.
We run a soft credit check — zero impact on your score — and match you to the lender on our panel most suited to your vessel type, deposit situation and financial profile. No repeated credit hits.
Once approved and signed, many lenders can fund same day. No obligation at any stage — and the broker fee is always disclosed before you commit to anything.
New and used vessels, dealer and private sales.
Boats and launches
Runabouts, fishing boats, cruisers, tinnies and more
Jetskis and PWC
Personal watercraft of all brands and sizes
Trailers and motors
Trailer and outboard motor finance available
Private and dealer sales
Both channels accepted by lenders on our panel
We are not a lender — we work for you. One application, 20+ lenders compared, no credit score impact.
We use one soft check that leaves no mark on your file. Applying directly to multiple lenders means multiple hard enquiries lowering your score before you even get on the water.
Lenders on our panel accept both new and used boats and jetskis, from dealer purchases to private sales. We will match you based on what you are buying.
We compare across our full panel to find the lender most likely to approve your application at the best available rate for your situation and vessel type.
Same-day assessments available. Get matched quickly so you can seal the deal with your seller or dealer before someone else does.
Need to finance the trailer or outboard as well? Many lenders on our panel allow the full package to be financed together in one loan.
A broker fee of up to $1,500 applies on successful funding — always disclosed before you commit. No surprises, no obligation to proceed at any stage.
We work with employed New Zealanders who have a stable income and a vessel they want to purchase — new, used, dealer or private.
Full-time, part-time or self-employed with a regular, verifiable NZ income. Lenders need to see repayments are comfortably within your means.
NZ citizens and permanent residents are welcome. Open and employer-specific work visas with at least 13 months remaining are also accepted in many cases.
Wanting a boat is not a credit issue. We assess your full financial position and match you to the lender most likely to approve you. Not sure where you stand — apply and we will assess honestly.
Whether it is a secondhand tinnie or a new cruiser, we match you to lenders across the full borrowing range with terms from 12 to 84 months.
Apply in 5 minutes. No credit score impact at this stage. We assess your situation, match you to the right lender and come back with a real rate. No obligation to proceed.
Get Started — 5 MinutesRated 5 out of 5 on Trustpilot
Everything you need to know about financing your vessel through NeedCashToday.
Still not sure? Talk to our team
Yes. Most lenders on our panel accept private sales of used vessels. You will typically need to provide a registered valuation or evidence of the purchase price. We will guide you through what each lender requires once we have matched you.
Deposit requirements vary between lenders. Some lenders require no deposit at all, while others may ask for 10 to 20 percent depending on the vessel age, type and loan amount. We match you to a lender whose criteria best suits your deposit position.
Many lenders on our panel allow trailers and outboard motors to be included in the same loan as the vessel. Let us know the full purchase price including these items when you apply and we will factor them in.
No. We run a soft credit check only during our assessment. This does not appear on your credit file and has no impact on your score. Once matched to a lender, some accept our check while others may run their own — we will always tell you first.
You can borrow from $3,000 up to $250,000 for vessel finance through NeedCashToday. Terms range from 12 to 84 months. The amount approved depends on your income, credit history and the lender you are matched with.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This is added to your loan, is GST inclusive, and is always disclosed clearly before you commit. There is no obligation to proceed. Lender establishment fees may also apply.
The application takes around 5 minutes. Most applicants hear back the same day. Once approved and documents are signed, many lenders can fund same day — so you can move quickly when the right vessel comes up.
A boat or jetski loan is a personal loan used to fund the purchase of a recreational vessel. The loan can be secured against the vessel itself — similar to car finance — or unsecured depending on the lender and loan amount. Lenders typically assess your income, credit history and the vessel details (age, type, value) when deciding on approval and rate.
NeedCashToday matches you to the right lender from our panel of 20+ NZ lenders using one soft credit check and one application. You never need to repeat yourself or risk multiple hard enquiries.
New vessel finance is generally straightforward — dealers often have lending partners, but their rates may not be competitive. Used vessel finance through a private sale requires a registered valuation or evidence of the purchase price in most cases, and the vessel age can affect which lenders will fund it.
Through NeedCashToday, both new and used vessels are accepted. We will match you to a lender whose criteria fits your vessel type and purchase channel, whether that is a dealer or a private seller.
Most lenders require comprehensive hull insurance to be in place before they release funds on a secured vessel loan. This protects both you and the lender if the vessel is damaged or lost. We recommend arranging a quote before applying so you are ready to move quickly once approved.
We are a broker, not a lender. Our job is to find the most suitable lender for your specific situation — vessel type, purchase source, deposit, income and credit profile. One application, one soft check, and we present you with the best match from our panel. No obligation, no repeated paperwork, no wasted time. Talk to our team if you have questions before you apply.
Apply in 5 minutes. No credit score impact. We review your situation and match you to the lender most likely to fund your vessel at a competitive rate.
Soft credit check only. Broker fee of up to $1,500 applies on successful funding. NeedCashToday is powered by Lending Room, FSPR registered. Rates 8.99–29.95% p.a. (AIR). Full T&Cs apply.
