Like to enjoy the 'big blue'? For jet skis, leisure boats, yachts and more – get a betterTM loan for your time on the water. Sharp interest rates, fast decisions* and a simple online application. *Affordability Test Applies.
7.95% - 13.95% p.a.
The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. Fees apply, including an establishment fee of up to $150 and an introducer fee of up to $595. Approval is subject to meeting lending criteria, and affordability test applies.
From the least to the most you could expect to pay, we tell you straight away. No hidden rate ranges. No surprises.
$0 Deposit Finance
No deposit needed to get you on the water. Secure finance with zero deposit and get the boat you keep dreaming of.
Save On Interest Costs
The betterTM way - Make lump sum payments when it suits you. Pay off your loan faster and save interest. That’s better borrowing.
We’re responsive. We keep it breezy
We built our approach with you, and your time in mind. If you're looking for a fast application decision*, we can have an answer quick smart. Plus, at better™, there's no need to email bank statements or copies of your ID - our smart tech does the work for you, saving you time and hassle. From our quick three minute application, right through to transferring the funds, we've got your time in mind. *Affordability test applies.
We add the personal touch
We hand-picked our 20+ team with some important attributes in mind: people that love and understand finance, and folk that are driven to help our customers and ensure the process is well understood.
When you apply with betterTM, you’ll get a call from one of the team to discuss your application. It doesn’t take long, but in our book, it’s the most important step in making sure you get the best out of betterTM.
We champion better-borrowing
We're on a mission to - bit by bit - make borrowing better.
For example, one of the things we know that understandably frustrates Kiwis, is hidden fees.
Well not at better™. Like to know what you’re signing up for with no surprises? That’s how it should be. At better™, there’s no ongoing fees and clear, transparent information about rates and costs to set up the loan.
Because clarity, in our book, is better.
What can we help you make happen?
Big goals, personal possibilities and everything in between. How can we help you?
Apply in three minutes
Fast application decisions *Affordability Test Applies
Smart technology to assess your application faster
No deposit finance available
Leading low interest rates and no surprises
Funds transferred in less than 24 hours
Boat loans – the details
Being better informed makes for better decisions. Have a question or two? Check out these helpful FAQs or get in touch with the team.
How much can I borrow?
Our minimum loan amount is $3,000 and maximum is $100,000. How much you can borrow within this range depends on your personal circumstances and affordability. It’s important to borrow only what you need and to ensure you can comfortably meet your repayment obligations for the term of your loan. Our team is expert at helping you determine your personal borrowing sweet spot.
How long does it take to approve the loan?
Can I refinance and existing car loan with better?
What are repayments and what is the frequency?
What fees does better charge?
Have a question? We’re here to help
Our 20+ strong team are better-borrowing champions – we’re for any questions, big or small.
One of the team will call you asap within business hours
1. *Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 13.95% p.a. on a minimum 12 month to a maximum 60 month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and is determined by the lender. 2. Fees apply, including an establishment fee of up to $150 and an introducer fee of up to $595. Example: A loan of $5,000 over 12 months at 9.95% p.a. has fees totaling $495 and a total repayment of $5,796.42 equating to 12 monthly payments of $483.03. 3. Approval is subject to meeting lending criteria, and affordability test applies. Our lender will independently assess whether you are eligible for a loan. We don't provide advice on whether a particular car loan offered by a lender is suitable for you. 4. One hour application decision subject to affordability test, the applicant meeting the lending criteria and supplying all the required information to process the loan application. 5. Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.