Make your dream lifestyle a reality
Whether you’re looking for a boat, trailer, outboard or jet ski, our Marine finance options will help get you on the water this summer.
Calculate your repayments
Calculate your repayments
I want to borrow
With repayments
And pay it back over
Estimated interest rate: 11.75% p.a., fixed for the term
i
Your estimated weekly repayment including fees


*Your repayment amounts have been calculated at the interest rate and loan term you selected,
and are based on the interest rate being constant for the entire loan term,
however, your interest rate will depend on your personal circumstances,
as explained here.
Changes to interest rates and/or the repayment amounts will change this.
Our quoted interest rates are subject to change.
This calculator is a tool to estimate repayments and the total loan cost only,
and is not an offer of finance by Heartland.
Heartland's responsible lending criteria, terms, conditions and fees apply.
**The total fees above include an establishment fee of $249 and a security registration (PPSR) fee of $7.39.
Features
- Interest rates between
9.75% and 14.75% p.a., fixed for the term - online anytime,
anywhere - No hidden fees and zero-
deposit finance available*
How does it work?
What do I need to know?
What are the rates, fees and terms?
For the full fee schedule, rates and terms click here.
Can I change my repayment amounts during the loan term?
Yes. Give our marine loan team a call on 0800 85 30 30, and we’ll see what we can do to change your loan to suit your circumstances (there may be a fee to restructure your loan).
What is the security for my marine loan?
The security will be the marine asset you’ve purchased, although we may ask for additional security and/or a guarantor.
Can I change the amount of my loan after it is approved?
Yes. If you want to increase the amount of your loan, give us a call on 0800 85 30 30. If approved, we can confirm this over the phone and you won’t need to fill in another loan application
Can I get a loan approved before I’ve found the marine asset I want?
Yes. If you would like to know how much you can borrow before you go shopping for a marine asset, you can apply for the loan as normal and, if approved, you can use the approval confirmation with any registered trader. If you’re purchasing from a private sale, we will pay the private seller on your behalf.

Take care of your Marine Loan on the go
As part of the Heartland Bank whānau, Marac customers can take care of their vehicle loan on the go through the Heartland Mobile App or Heartland Digital.
