Recreational loans made simple for every Australian
Ready to fund your dream boat, caravan or RV? lendlab matches you with the perfect recreational loan using soft checks and expert guidance tailored to your needs.
Won’t affect your credit score
Rating
5.0
Based on 2,200+ Reviews
Award-Winning Brokerage
Why choose a lendlab recreational loan?
With 20 years of industry expertise and over 2,200 five-star Google reviews, lendlab simplifies the entire recreational loan journey for everyday Australians.
Award-winning broker
Recognised as best finance brokerage by NFC, UFS and People Choice Finder for innovation and customer focus.
Credit-Safe process
Soft checks protect your score while we explore options from our extensive lender panel.
Dedicated analyst
Your personal expert shares live updates and guides every step until settlement.
Transparent service
Clear communication, no hidden surprises and a secure portal for total control.
Our 4 step process
lendlab removes the hassle of finding a great-value loan. Our straightforward four-step process saves you time and puts you first—every time.
STEP 1
Complete your rate quote
Get quotes in less than 60 seconds!
STEP 2
Revise your quote
Edit your loan amount and term.
STEP 3
Complete your application
Upload any required documents.
STEP 4
Choose your product
Sign your credit proposal and get approved confidently.
Loan options made for you
lendlab tailors recreational loans to your lifestyle, whether you want a new boat for weekends on the water or a caravan for family road trips across Australia.
Caravan and camper
Secure funding for your home on wheels and explore Australia with confidence.
Boat and jet ski
Finance your favourite watercraft with flexible terms that match your repayment style
RV and motorhome
Get the perfect recreational vehicle for long adventures or weekend getaways.
Recreational loan repayment calculator
Use our recreational loan calculator to help estimate your repayments.
Estimated Repayments*
Pre-qualify and check your credit score today.
Your credit score plays a big role in whether you’re approved for loans, and it directly affects the interest rate you’re offered.
- Understand how lenders see you.
- Get better deals.
- Applying with us won't impact your credit score.
Find the perfect recreational loan
Our easy process lets you compare multiple lenders and choose the recreational loan that best fits your goals – efficient approval, lowest repayments or overall value.
Instant quote
Receive a free personalised quote in just 60 seconds with no obligation.
Pre-approval power
Shop for your asset knowing you are approved before any hard check.
Secure portal
Log in anytime to upload documents, track progress and message your analyst.
Multiple choices
Select from several products based on your exact priorities and situation.
Our Awards
An award-winning brokerage recognised for broker innovation excellence, lightning-fast approvals and proven trustworthiness.
What we offer
Loan Amounts*
$10K - $400K
Loan Terms
2 to 7 years
Early Termination Fees
Yes
Interest Rates*
5.67%
6.90%
Instant quotes
In 60 seconds
*Rates and repayments are estimates only and may change without notice. Displayed options are not a formal credit offer. Unsecured loans have fixed rates from 5.67% to 29.99% (comparison rate 5.95%) for amounts between $10K – $400K. Secured loans have fixed rates from 5.67% to 29.99% (comparison rate 6.90%) for amounts between $10K – $150K. Loan terms range from 2 to 7 years. The interest rate is determined with reference to the age of vehicle, eligibility criteria and credit assessment, including home ownership. This is for the purchase of New/Demo EV vehicles defined as up to 12 months old and under 5000kms. The Comparison Rate is based on a $30,000 loan over a 5 year term. This comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Lending criteria, fees and conditions apply. Rates, fees and conditions are indicative, and are accurate as at time of publishing.
*Fees: An early termination fee may apply based on the lender’s payout figure. Application fees range from $0 to $995. Monthly account fees range from $0 to $15. Repayments can be made weekly, fortnightly or monthly. Brokerage fees may apply, refer to our credit guide for full details.
Recreational loans FAQ's
What is a recreational loan?
A recreational loan finances leisure assets like boats, jet skis, caravans, RVs, motorbikes and campers for personal enjoyment and adventure.
What vehicles qualify for a recreational loan?
You can finance new or used boats, caravans, RVs, jet skis, motorbikes, ATVs and similar leisure items through our panel.
How do I apply for a recreational loan?
Start with a 60-second online quote, upload documents via your portal and let your analyst handle the rest until approval.
Do you use soft credit checks?
Yes, we always begin with soft checks to protect your credit file and only proceed to hard checks with your permission.
What are typical recreational loan terms?
Loans range from 2-7 years with amounts ranging from $10,000.
Can I get pre-approved before buying?
Absolutely – our pre-approval lets you shop confidently and we notify you before any hard credit check occurs.
How does confirmable credit help my application?
Previous loans or open accounts on your file show reliability and help us match you with stronger approval options.
Why choose lendlab over a bank?
We compare dozens of lenders, offer efficient approvals, live support and a personal analyst – all focused on your success.
Get a quote
Discover your recreational loan options without impacting your credit score.
