Exceed Finance

Feeling nauti?
Apply for marine finance
Or a boat loan today!

Finance boats, yachts, jet skis and more with loans through exceed finance!


Quick, Flexible Boat Loans

  • Straightforward Financing:
    You’re looking for fast, flexible financing to purchase a boat, yacht, or jet ski, and we’re here to provide it. Our competitive rates and quick turnaround times mean you spend less time waiting and more time enjoying your new purchase.

  • Customised Marine Finance Options:
    Your financing needs are unique, and our solutions reflect that. Whether you’re buying your first boat or upgrading to something bigger, we tailor our finance options to suit your individual needs.

Personalised Boat Finance

  • Marine Finance You Can Rely On:
    Getting a boat on finance doesn’t have to be complicated. Our team of seasoned professionals is dedicated to simplifying the process and providing personalised service from start to finish.
  • Boats for Finance in Minutes:
    We’ve streamlined our application to make financing a boat as easy as possible. Fill out your boat loan application online, submit your documents, and receive a decision quickly! 

Getting you boats on finance fast

  • Fast Financing For a Boat; Smooth Sailing:
    We understand the excitement that comes with buying a new boat or jet ski. That’s why we work hard to fast-track your boat finance approval, ensuring you can start making memories on the water sooner.

  • Easy Boat Loan Calculator:
    Finance a boat with confidence using our easy loan calculator. Estimate your boat loan repayments, explore various loan terms, and plan your budget with ease.

Let’s Make It Happen – With Exceed Finance, You’re Closer Than Ever!


Submitting a boat loan application with Exceed Finance could not be easier. All you have to do it fill out our online application form and submit the relevant documents.


Our quick processing times and flexible hours make it clear that you are our priority! We aim to get back to you within an hour with your boat financing outcome allowing you to enjoy fast boat finance approval!

Get out on the water!

Once your boat loan is approved and all docs are signed, all you have to do is start planning your next trip out on the water!

Boat Finance Calculator

Get an estimate on your boat loan rates, terms and repayments, as well as how much you can borrow with our boat finance calculator.

Calculate your financing for a boat today!


*Interest rate is indicative range only. T&Cs, Fees, and lending criteria will apply. This loan calculator is a guide only, not a quote.

Your Trusted Partner for Marine Finance & Boat Loan Solutions

boat loans New Zealand

Set sail with confidence, knowing Exceed Finance has your back when it comes to boat financing New Zealand residents trust. Our team of experts is dedicated to helping you navigate the world of boat loans in NZ and finding the best boat financing solutions tailored to your unique needs. Whether you’re an experienced sailor or just starting on your nautical journey, our boat finance calculator NZ tool makes it easy to determine your budget and understand your boat loan options. With Exceed Finance, financing a boat loan has never been more straightforward and stress-free.

At Exceed Finance we understand the importance of having reliable boat financing companies on your side.

That’s why we’re committed to providing top-tier marine finance NZ customers can depend on, as well as comprehensive loans for boats and financing for all your watercraft needs. Our marine finance calculator simplifies the process of comparing and choosing the best marine finance options or getting a boat loan with informed decisions, sail away with a smile. Trust Exceed Finance for all your marine and boat finance needs, and let us be your compass to a brighter financial future on the open seas.

Boat Finance to captain your own boat!

The best memories are made on the water

We understand every person has a different visions for what their dreams are, that is why our service in boat financing is tailored for you!

  • Already have a specific boat in mind? Great, we will help you access the funds for financing a boat to make it yours, whether its from a boat dealer or a private sale!
  • Need help finding the right boat for you? No worries, we can connect you up with one of our trusted boat dealers!
  • Looking for a pre-approval so you know which boats you can shop for? Perfect, we can get boat finance secured for you, allowing you take home the new boat you really want!
  • Have some cash to deposit but looking for a top up? Sweet as, having a deposit increases your chances of boat finance approval and opting for a top up means you can go for that bigger boat and fit the whole family, or the lads out for a big fish!

splash into summer with easy jet ski loans!

jet ski loan

Let's get you on the water this summer jet ski finance!

Our team of professionals want you to ride high on the waves this summer with your new jet ski! Above all, we can assist with a variety of lending options!

  • Have a specific jet ski in mind? Great, we will help you access the funds through a jet ski loan to make it yours whether, it’s from a dealer or a private sale!
  • Need help finding the right jet ski for you? No worries, We can connect you up with one of our trusted marine dealers!
  • Looking for a loan pre-approval so you know which jet ski you can afford to finance? Perfect, we can get that sorted for you, allowing you take home the jet ski you really want!
  • Do you have some cash to deposit but looking for a top up? Sweet as, having a deposit increases your chances of jet ski finance approval and opting for a top up means you can go for the next jet ski model up!

time to upgrade or replace your trailer or outboard?

outboard finance

Exceed also offers other types of Marine Finance

  • Boat trailer getting a bit old? Instead of mucking around with costly repairs, save yourself the time and energy with new trailer using marine finance!
  • Looking for a new outboard motor that starts first pop every time? All things considered, financing your outboard may be you best option! Give us a call and we can get your finance pre-approved then connect you with one of our trusted outboard specialists!
  • Need some more power in your outboard? Supercharge your time on the water this summer, give us a call so you can access the funds you need to finance your new outboard today!
  • Want a hand finding the right outboard or trailer for your needs? No stress mate, we can connect you up with one of our trusted outboard, marine or trailer dealers while we take care of the boat financing for you!

Why Choose Exceed?

motorhome loan

Great rates

motorhome loan

Easy Application Process

caravan loan


motorhome loan


Caravan loan

We aim to work around your schedule

caravan loan

VARIETY OF Marine finance

For a variety of individuals!


or dial

0800 2 EXCEED - 0800 239 2333

exceed finance
exceed finance

Frequently Asked Questions (FAQ) About Marine and Boat Finance

We offer a range of marine loans and boat financing options in New Zealand tailored to your needs. This includes new boat financing and used boat loans, refinancing, and financing for various types of watercraft loans, such as sailboats, yachts, and fishing boats.

Applying for marine finance or a boat loan is easy. Simply fill out our online marine finance application form for fastest results so we can get the ball rolling and get you on the water!

Yes, we offer marine financing options for used boat loans, used jet ski loans, and other marine loans. Our goal is to help you secure financing for the watercraft that suits your needs!

Our easy online boat loan application process allows for fast loans and quick approvals. If we have all required info from you, your marine finance can be approved with in hours. The faster we get all the required info, the faster we can provide you with funds! 

Most definitely you can. Exceed Finance prides itself on providing people with the best boat loan rates available, including finding better rates or boat loan terms for people who might have received finance for a marine or boat loan elsewhere.

You can also talk to us about your unsecured and secured boat loan options!

Exceed Finance often provides boat loan pre approvals so you can take your time and shop around, knowing your marine or NZ boat finance is secured and ready to make your purchase when you find that perfect boat!