Book the trip now, pay it off on your terms.
Lock in flights while they're cheap.
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What Aussies use a holiday loan for.
- Overseas flights and accommodation
- Cruises and tour deposits
- Family holidays
- Backpacking trip funding
Why borrowers pick this loan.
Fixed repayments — no bill shock when you get home
Lower rate than credit cards for most borrowers
Fast enough for last-minute deals
Am I eligible?
You'll typically need to meet these criteria — final approval is at the lender's discretion.
- 18+ AU citizen or PR
- Stable income
- Fair credit
What might it cost?
Holiday loan questions.
Is it smarter to use a credit card for travel points?+
Depends. Points can be valuable but credit card interest rates (often 20%+) usually outweigh them if you carry a balance. A fixed-rate loan is cheaper if you'll take months to repay.