Jet Ski Finance Explained: How to Finance Your Sea-Doo in Perth

Buying a jet ski is an exciting step but for most people, paying for it outright isn't the only option, or even the preferred one. Jet ski finance lets you spread the cost of your Sea-Doo or Can-Am over manageable repayments, so you can get out on the water sooner. Here's how it works and what to consider.

What is jet ski finance?

Jet ski finance is a loan that lets you purchase your watercraft now and pay it off over time, typically in regular monthly repayments over a set term. It works much like car finance: rather than paying the full purchase price upfront, you spread it across a period that suits your budget.

Finance can apply to the jet ski itself, and in many cases can also cover accessories, trailers and on-water gear as part of the same package - so you're set up and ready to ride from day one.

Why finance a jet ski instead of paying upfront?

• Get on the water sooner. You don't have to wait until you've saved the full amount - you can start enjoying your Sea-Doo this season.
• Keep your savings intact. Financing lets you preserve your cash reserves for other priorities rather than tying them up in one purchase.
• Budget with certainty. Fixed regular repayments make it easy to plan around a known monthly figure.
• Bundle the extras. Trailers, covers, safety gear and accessories can often be rolled into the one finance arrangement.

What to consider before you apply

A few things are worth thinking through before committing to any finance arrangement:

• The loan term. A longer term means lower repayments but more paid over the life of the loan; a shorter term means higher repayments but less overall. Choose what fits your budget.
• Your deposit. Putting money down upfront reduces the amount you finance and can lower your repayments.
• The total cost. Always look at the total amount payable over the full term, not just the monthly figure, so you understand the complete picture.
• Your circumstances. Lenders assess eligibility based on your individual situation. It's worth having a conversation about what's realistic for you before you fall in love with a specific model.

Can I finance a jet ski in Perth through Friday's?

Yes. As WA's authorised Sea-Doo and Can-Am dealer, Friday's offers finance options to help you get into your new watercraft sooner - whether that's an entry-level Sea-Doo Spark, a FishPro fishing model, a performance ski, or a Can-Am side-by-side.

Because everyone's situation is different, the best next step is a quick chat with our team. We can walk you through the options available and help you find an arrangement that suits your budget and the model you're after.

What about warranties?

Alongside finance, Friday's offers a range of warranty options - from 12 months up to 5-year extended cover depending on your needs - so you can protect your investment for the long haul. Ask our team about warranty options when you enquire.

A quick note on tax

If you're buying a jet ski or Can-Am for business use (for example, a Can-Am Defender as a genuine work vehicle), there may be tax considerations worth exploring. Everyone's circumstances differ, so we'd always recommend speaking with your accountant about what applies to your situation.

Related Reading:

• Things to Consider Before Buying a Jet Ski
• Jet Ski Buying Guide: Your Ticket to a Sea-Doo Adventure in Perth
• Can-Am Buggies Explained: Side-by-Sides, SSVs and Which One Suits You