Boat Loan: Your Dream of Owning a Boat Comes True
Your Boat Loan: How the Financing Works
A boat loan is a classic consumer loan for purchasing a boat. What's special is not the product, but the path to it: privatkredit.ch is your broker. We know the banks and know which institution finances which profile. You submit a request, we prepare it and obtain several offers at the same time. You compare at your leisure and decide.
A representative example makes it tangible: for a loan of CHF 30'000, term 48 months, effective annual interest rate 5.9 percent, the monthly installment is CHF 710, the total cost CHF 34'080. Your individual interest rate depends on your creditworthiness and the chosen provider.
The statutory maximum interest rate for consumer loans is currently 10 percent effective annual interest. However, that is only the ceiling. In practice, interest rates range between 4.9 and 9.95 percent effective annual interest depending on creditworthiness, term and provider. On CHF 30'000 over 48 months, the difference between the cheapest and the most expensive offer quickly amounts to several thousand francs. That is exactly why it's worth obtaining several offers in parallel, instead of applying to a single bank and starting over from scratch in case of rejection.
What influences your personal interest rate: a regular, verifiable income from permanent employment or self-employment, your credit history without open debt collection proceedings, the chosen term as well as the loan amount. Some banks also accept the boat as collateral in the loan agreement, which can lower the interest rate but is not strictly required. privatkredit.ch shows you all the options transparently, instead of locking you into a single offer.
Why Apply for Your Boat Loan Through privatkredit.ch
Who Gets a Boat Loan
The requirements for it correspond to any other consumer loan. These are the points the bank checks before granting the loan:
From Application to Your Own Boat
Submit application
Fill out the online form in about 2 minutes: loan amount, term and your personal details.
Receive offers
Our partner banks send you several individual offers within 24 hours, which you can compare directly.
Sign contract
You choose the best offer and sign. Afterwards, the statutory 14-day withdrawal period runs (Art. 16 CCA).
Receive payout
After the withdrawal period has passed, the amount is transferred to your account within a few business days.
What a Boat Costs Beyond the Loan
The loan finances the purchase, but a boat causes ongoing costs afterwards. Here is a benchmark overview for a mid-size motorboat or sailboat in Switzerland:
| Cost item | Annual cost | Note |
|---|---|---|
| Berth / marina | CHF 2'000 - CHF 6'000 | Depends on the lake and season, often cheaper in winter |
| Boat insurance | CHF 800 - CHF 1'500 | Liability, theft, damage |
| Winter storage / dry storage | CHF 500 - CHF 2'000 | Usually needed from October to April in Switzerland |
| Maintenance and service | CHF 1'000 - CHF 3'000 | Inspections, small repairs, oil, filters |
| Fuel / electricity | CHF 800 - CHF 2'500 | Depending on propulsion (diesel, gasoline, electric) and use |
| Registration and documents | CHF 200 - CHF 400 | Boat registration, navigation license, proof of insurance |
| Accessories and equipment | CHF 300 - CHF 1'000 | Sail repairs, electronics, safety equipment |
| Port fees and charges | CHF 100 - CHF 500 | Port fees, environmental charges |
| Total annual budget | CHF 5'700 - CHF 17'000 | Depending on boat size and lake |
Estimated benchmarks, depending on boat size, location and use. These ancillary costs should be included in your budget planning in addition to the monthly loan installment.
What the Law Requires for a Boat Loan
No loan in case of impending over-indebtedness
Granting a loan is prohibited if it would lead to over-indebtedness (Art. 3 UCA).
CCA protection scope
The Consumer Credit Act protects loan amounts from CHF 500 to CHF 80'000.
Right of withdrawal
You can withdraw from the signed contract within 14 days (Art. 16 CCA).
Early repayment
Possible at any time, without an early repayment penalty (Art. 17 CCA).
Creditworthiness check
Mandatory for every lender (Art. 28 CCA).
Frequently Asked Questions About Boat Loans
- Autor
- privatkredit.ch Editorial Team, Specialist Editorial Team for Loans & Financing
- Fachliche Prüfung
- Redaktionsinterne Gegenprüfung durch Kreditfachleute
- Zuletzt aktualisiert
- July 7, 2026, Inhalte werden laufend aktualisiert
- Unabhängigkeit
- Unabhängige Recherche, ausschliesslich offizielle Schweizer Quellen
- 1Federal Act on Consumer Credit (CCA/KKG). fedlex.admin.ch/eli/cc/2002/593/de
- 2ZEK - Central Office for Credit Information. zek.ch
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