Boat Loan Pre-Approval: All The Benefits At Zero Cost


It’s easy to apply, fast, and it puts you in control.

At Aussie Boat Loans we offer pre-approved boat loans, so that you know exactly what you can afford before you start boat shopping.

When you have pre-approved boat finance you can shop with the confidence of knowing how much you can afford, and the reassurance that you already have access to funds for when you find the boat you want.

A loan pre-approval will last for 31 days and give the boat dealership or private salesperson confidence that you are serious about buying a new boat.

Advantages Of A Boat Loan Pre-Approval

  • When you find the boat you want to buy, you can access your money quickly and easily.
  • Your spending limits are set so there is no change that you'll go over budget.
  • Avoid the stress and hassle of waiting for a finance approval.
  • Since your money is available, you will gain an edge when negotiating on price.
  • No pressure to purchase - if you don't end up finding the boat you want, thats okay.
  • A pre-approval doesn't cost you a cent, it is 100% free of charge.

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Pre-Approved Boat Loan FAQs

Answers to some of the most common pre-approved boat loan questions that we are asked.

How Long Does Pre-Approval Last?

When you arrange a pre-approved boat loan at Aussie Boat Loans we can maintain and hold the approval for 31 days. If you don’t manage to find the boat or vessel you’re after in that time, just call your Aussie Boat Loans consultant and we can extend your pre-approval.

Does Getting Pre-Approved Hurt Your Credit?

Getting pre-approved will only affect your credit adversely if you are making multiple applications for pre-approval with a variety of different lenders.

Each pre-approval application will be registered at an enquiry on your credit file. Lenders generally don't look favourably on multiple enquiries on your credit file in a 6-month period.

If you get pre-approved with Aussie Boat Loans and your pre-approval expires, it's important to have us extend it if you're still looking and not seek pre-approval elsewhere.

Can A Pre-Approved Boat Loan Be Denied?

Yes, even if you have pre-approval your boat loan could be denied if the information you gave us initially can't be substantiated, is incomplete or inaccurate. If you give us accurate and complete details and provide us with all the required documentation, you can be confident that your boat loan will most probably be approved.

How Does A Boat Loan Pre-Approval Work?

To arrange pre-approval, you will have to submit an application. If succesful, we will agree to provide you with boat finance and there many be certain conditions that need to be met.

For example, the boat that you are looking to purchase may need to be equal to or higher than a certain value.

Once you have found your desired vessel, we will liaise with the seller or boat dealer to arrange the transfer of funds.

So what are you waiting for? If you’re in the market for a new or used boat, talk to the team at Aussie Boat Loans or apply online to arrange pre-approved boat finance so you can get out on the water sooner.

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