Holiday Loans

Holiday loans are simply personal loans you can use to finance your travel plans. You can apply for a holiday loan in minutes and, depending on your situation and financial circumstances, you can borrow from $500 to $10,000 to cover of spread the cost of anything travel-related.

• Travel costs for flights, cruises, train trips etc
• Holiday accommodation
• Car hire, tours and travel activities
• Holiday spending money

So, whether you want to borrow $10,000 for the whole cost of a big family holiday, or take out a small holiday loan to cover some travel expenses, your holiday loan is yours to spend as you wish. We may even be able to help you if you have a bad credit score – read about our bad credit loans.

1. Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
2. A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
3. Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
4. Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.

Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.

To apply for a personal holiday loan to finance your travel plans, you’ll need to be at least 18 years of age and a permanent Australian resident. You must also be in regular paid employment.

If you meet these basic eligibility criteria, you can apply for your holiday loan right now. It’s all online and only takes a few minutes, and if your application is formally approved, you’ll have your travel money within 24-48 hours.

Worried that your bad credit rating will prevent you from taking out a holiday loan? Talk to our friendly team. As one of Australia’s largest non-bank personal loan providers, we’re here to help you get a fair go and, if we can, help you get your bad credit history back on track.

We offer holiday loans of $500-$10,000, with flexible repayment terms ranging from three months to three years.

However, it’s important to note we always personalise our loan terms, so your loan amount, interest rate and repayment terms will be tailored according to your personal circumstances and financial situation. If you receive formal approval, our friendly team will talk to you about the best way to minimise your borrowing costs and the burden on your day-to-day budget.

Whatever the loan amount and terms, you’ll know upfront what your fixed interest repayments will be. They’re set in stone, making it easy for you to manage your budget and finalise your travel plans. No hidden fees. No sleepless nights. It’s all part of our commitment as a responsible lender.

If you’re worried that your credit score may prevent you from taking out a personal loan, don’t worry. We help lots of people with poor credit ratings get the loans they need and get their credit history back on track. Find out more about our bad credit loans.

A bad credit score can affect your ability to take out a personal loan or personal finance, but don’t let that stop you talking to our team.

As one of Australia’s largest non-bank personal loan lenders, we’re in the business of helping people get a fair go, and that includes helping customers with bad credit scores to get the cash they need and get their bad credit score back in the black.

Watch our video about how to find out your credit score, or request a free copy of your credit report from Equifax and find out if and why you have a bad credit history. Alternatively, call us on 1300 324 746 and we’ll explain if your bad credit rating will prevent or limit your holiday loan.

How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for.

Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved. You may wish to read our blog which provides some helpful tips on improving your chance to get a loan.

Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.

The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.

The usual waiting time to receive your loan application outcome is between 24-48 working hours.