Option 1Secured loan
Best forMost boats, vans and bikes
Backed byThe boat, van or bike itself
Good to knowGenerally opens more of the panel to you
What we finance
Toys we finance
Boats, vans and bikes each have their own lender rules. We match yours to the lenders that know it.
- Boats and jet skis
- Caravans and camper trailers
- Motorhomes and campervans
- Road and adventure bikes
- Registered dirt bikes
- The tow vehicle
Explore by type
Boats, caravans and bikes
Each one has its own lender rules. These guides go into the detail.
Tinnies to offshore rigs, plus jet skis. Hull age, marine surveys and private sales explained.
Caravans, camper trailers, motorhomes and campervans, from the first camper to the big lap.
Road, cruiser, adventure and dirt bikes, including what changes for recreation-only bikes.
Start to settlement
You do three things. We do the rest.
We match the boat, van or bike to lenders that know it, organise ownership and PPSR checks on a private sale, make sure any money owing is paid out at settlement, and settle with the dealer or seller.
Get Approved- Tell us what you needA couple of minutes online. No credit check for a quote.
- Have your documents readyDriver licence, proof of income and the dealer invoice or seller's details.
- Hitch up, launch or ride offThe lender pays the dealer or seller directly.
Your situation
How are you buying?
Pick the one that fits. The paperwork changes, the process does not.
From a dealer
The simplest path. The dealer supplies the invoice, the lender pays them directly at settlement, and you take it home.
Private sale
Lenders want proof the seller owns it and a PPSR check to confirm nothing is owing. We organise that legwork. One tip: do not hand over a deposit until your finance is approved.
Older boat, van or bike
Lenders usually judge age at the end of the loan term. Specialist lenders go further back than the banks, and an unsecured loan can be the backup.
Self-employed
Low doc options use BAS, business bank statements or an accountant's letter instead of full financials.
More on low doc finance
Structures and options
Secured, unsecured or low doc?
Most recreational loans are secured against what you are buying. When that does not fit, there are other routes.
Option 2Unsecured personal loan
Best forOlder assets no lender will secure against
Backed byYour credit history and income
Good to knowShorter terms and tighter criteria, so it is the backup
Option 3Low doc
Best forSelf-employed buyers
Backed byThe asset, with income shown through BAS or bank statements
Good to knowEach lender sets its own requirements
Buying for charter, hire or other business use is a different lending category, and the tax side is one for your accountant.
Get ApprovedRepayment estimator
Work out your repayments
Move the sliders to see roughly what repayments could look like. When you enquire, we compare real lender options for your situation.
Indicative estimate only. The rate is an example you choose, not a rate we are offering. Actual repayments vary by credit profile, lender, fees and product type, and this is not a quote or an offer of credit.
The process
How it works
1
Step 01
Quick enquiry
Tell us what you are buying and a little about your situation. It takes about two minutes and does not affect your credit score.
2
Step 02
Lender match
We compare the panel of 30+ lenders and come back with options that fit, explained in plain English.
3
Step 03
Documents and decision
Send your documents through and we manage the lender. Every approval is subject to lender criteria and credit assessment.
4
Step 04
Settle and go
The lender pays the dealer or seller directly. You hitch up, launch or ride off.
Why Solvyr Capital
Finance brokering done right.
We work with clients and lenders right across Australia. As a credit representative under AFAS Group's Australian Credit Licence, we're held to strict compliance and professional standards.
We move fast
Quick answers and updates at every step. Your time is money and we don't waste it.
Licensed & compliant
CR No. 576829 under AFAS Group ACL 414426. FBAA M-362098. AFCA 121188.
Deals others can't do
Self-employed, adverse credit, new ABN, specialist assets. Our lender relationships are built for it.
Transparent & honest
We work for you, not the lender. Straight about your options, the fees and the best path forward.
Highly recommend Solvyr Capital. They helped me with finance for my car and made the whole process very quick and easy. Very professional, easy to communicate with, and everything was explained clearly. Great broker and great service. Thank you!
Highly recommend!! Wouldn't go anywhere else. Super efficient, professional service.
Had a great experience with Nash, very friendly extremely helpful was super good process getting my loan with Solvyr
The detail
Know before you apply
The longer read, for when you want the full picture. Tap a topic to open it.
Boats and jet skis
Lenders usually care about how old the boat will be at the end of the loan term, not just on the day you buy it. Trailer boats and jet skis are assessed much like any other asset, while larger vessels such as flybridge cruisers often need a marine survey, and sometimes a valuation, before the lender settles.
This covers recreational boats. If the vessel will earn its keep through charter, hire or commercial fishing, that is a different lending category, so raise it with us first. More detail on our boat finance page.
Caravans and motorhomes
Most caravan loans are secured against the van itself. Every lender has an asset age limit, usually judged at the end of the term, so an older van narrows the field. Some specialist lenders take older assets, and where nothing will secure against the van, an unsecured personal loan can be the backup.
Caravans and motorhomes are bigger purchases than most cars, and lenders typically allow longer terms to match. A longer term brings each repayment down, but you pay interest for longer. More detail on our caravan finance page.
Motorbikes
Road, cruiser, adventure and touring bikes are straightforward for most of the panel. Registration matters with dirt bikes: recreation-only bikes have a smaller pool of lenders, so tell us upfront and we start with the right ones.
Some lenders will let you build riding gear and on-road costs into the loan. Not every lender offers it, so raise it early. More detail on our motorbike finance page.
Good to know
FAQs
Rather talk it through?
or call 0468 157 797
Tell us what you are looking to finance and get a straight answer. The enquiry does not affect your credit score.
Get Approvedor call 0468 157 797
Can you finance a boat, caravan or motorbike bought privately?
Usually, yes. Many lenders on our panel finance private sales, subject to their criteria. They will want proof the seller owns it and a PPSR check to confirm no money is owing, and if the seller still has a loan, the lender pays it out directly at settlement. We handle those steps for you.
How old can a boat, caravan or bike be and still get finance?
It varies by lender, and most judge the age at the end of the loan term rather than at purchase. Specialist lenders on our panel go further back than the big banks, and where none will secure against it, an unsecured loan can be an option. Tell us the year up front and we will place it accordingly.
Does enquiring about recreational finance affect my credit score?
No. The initial enquiry takes about two minutes and does not touch your credit file. A credit check only happens later, once you have chosen a lender and given us the go-ahead to lodge a formal application.
Can I get recreational finance if I am self-employed?
Often, yes. If you hold an ABN and full financials are a hassle, low doc options may be available using alternatives like BAS or business bank statements. Each lender sets its own requirements, so approval depends on lender criteria and credit assessment.
Can you finance a jet ski or a motorhome?
Usually, yes. Jet skis are financed much like trailer boats, and motorhomes and campervans much like caravans, whether new, used or bought privately. Some lenders apply age limits, so an older asset narrows the options but rarely rules them out.
