Compare Holiday & Travel Loans from 50+ Australian Lenders
Finance flights, stays, tours and spending money with clear, fixed repayments that fit your itinerary.
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Plan Now, Pay Over Time
Spread trip costs with fast decisions, fair terms and predictable repayments.
Borrowing Range
Typical amounts $3,000 to $30,000+
Fixed Repayments
1 to 5 year terms for certainty
Fast Approvals
Same-day outcomes possible for complete files
Secured or Unsecured
Sharper rates with security; flexible with unsecured
Direct-to-Provider
Optional payments to travel agents or tour operators
Any Trip Type
International, domestic, road trips or staycations
How it works
We match your profile to lenders who fund travel so you can book with confidence.
Apply online in 3 minutes
Share your itinerary, budget and timing. No lengthy forms.
See matched options
Compare secured vs unsecured, terms, fees and comparison rates.
Upload documents
Provide ID, income evidence and bank statements for assessment.
Settle & start booking
Funds to you—or direct to airlines, hotels or tour providers.
Backed by over 50+ lenders
Giving you the best chance of being approved.
A quick guide to holiday loans
Holiday or travel loans are personal loans used to spread the cost of flights, accommodation, tours and spending money into predictable repayments. They’re ideal for big trips, family visits or last-minute travel when you’d rather not drain savings or rely on high-interest credit cards.
Choose unsecured for speed and flexibility, or secured (e.g., using a car) for sharper pricing or higher limits. Compare offers and check the comparison rate to understand true cost. Align the term to your travel timeline and post-trip budget so repayments stay comfortable when you return.
Want to skip ahead?
Explore the sections below to plan and fund your trip smartly.
Types of holiday loans
Pick a structure that fits your itinerary and budget:
Unsecured Personal Loan
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
Pros
- No collateral required - no risk to personal assets
- Quick approval and funding process
- Flexible use of funds for any purpose
Cons
- Higher interest rates than secured loans
- Stricter credit requirements
- Lower maximum loan amounts available
Best For
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
Secured Personal Loan
A personal loan secured against an asset offering lower rates than unsecured options. Use the funds for any purpose while benefiting from competitive secured rates.
Pros
- Lower interest rates due to asset security
- Higher loan amounts available
- Flexible use of funds for any purpose
- Longer repayment terms possible
Cons
- Asset serves as security - risk of loss
- Comprehensive insurance may be required
- Longer approval process due to security valuation
- Asset restrictions during loan term
Best For
Borrowers with valuable assets who want lower rates for debt consolidation, home improvements, or major purchases while keeping costs down.
Fixed Rate Personal Loan
An unsecured personal loan with fixed interest rate providing predictable monthly payments. Perfect for consolidating debt or funding personal goals.
Pros
- Fixed interest rate provides payment certainty
- No assets required as security
- Predictable budgeting with set repayments
- Quick approval and funding process
Cons
- Higher rates than secured loan options
- Stricter credit requirements than variable loans
- Cannot benefit from interest rate decreases
- Lower maximum amounts than secured loans
Best For
Borrowers who want payment certainty and protection against rate rises for debt consolidation, home improvements, or planned expenses.
Variable Rate Personal Loan
An unsecured personal loan with variable interest rates that can fluctuate with market conditions. Potentially benefit from rate decreases on your personal financing.
Pros
- Can benefit from interest rate decreases
- Often lower initial rates than fixed loans
- More flexible loan features available
- No assets required as security
Cons
- Monthly payments can increase with rising rates
- Uncertainty in budgeting due to rate fluctuations
- Higher rates than secured loan alternatives
- Risk of significant payment increases
Best For
Borrowers comfortable with payment variability who want to benefit from potential rate decreases without putting assets at risk.
What can I use a holiday loan for?
Holiday loans can cover most trip-related costs—before you go and while you’re away:
Flights & Transport
Book international or domestic airfares, trains and ferries. Optional direct payments to providers can secure early-bird fares.
Accommodation
Hotels, resorts, holiday rentals or multi-stop stays. Bundle deposits and balances into one clear repayment.
Tours & Experiences
Guided tours, theme parks, adventure activities and museum passes. Pay in advance without stretching cash flow.
Car Hire & Road Trips
Hire cars, campervans, fuel and toll budgets rolled into the same facility for simpler planning.
Travel Insurance
Include comprehensive cover so you’re protected against cancellations, delays and medical costs.
Spending Money & Extras
Meals, events, luggage, SIMs and prepaid travel cards—fund the finishing touches for a smoother trip.
Case Study
Aisha & Tom
Europe on a clear budget
Challenge: Multi-country itinerary with deposits due months in advance.
Solution: Unsecured holiday loan over 3 years with direct tour payments.
Aisha and Tom in Melbourne planned a five-week Europe trip with flights, rail passes and small-group tours. Using Emu Money, they compared matched options and chose an unsecured loan with fixed repayments and optional direct-to-provider payments. They locked in early-bird deals, avoided credit card interest and returned home with one predictable repayment and a clear end date.
How much can I borrow with a holiday loan?
Typical loan sizes range from $3,000 to $30,000+, depending on destination, trip length and your income and commitments. Secured options may allow higher limits and sharper pricing; unsecured loans prioritise speed and flexibility. Lenders check recent bank-statement conduct and overall serviceability to set sensible limits so post-holiday repayments remain manageable.
Holiday Loan Repayment Calculator
Estimate repayments before you book. Adjust amount, term and rate to see how it fits your budget.
Balance over time
Am I eligible for a holiday loan?
Eligibility focuses on affordability and income stability. Stronger credit and clean recent bank statements can unlock sharper pricing. Secured options may help if you’re seeking a larger limit for long or multi-stop trips.
You may be eligible if you are:
An Australian resident aged 18+
Employed, self-employed or receiving acceptable income
Able to show serviceability via bank statements
Meeting minimum credit criteria (score/history)
Borrowing for bona fide travel purposes
How to apply for a holiday loan?
Complete a quick online application and upload documents. We’ll compare offers across secured vs unsecured options and arrange settlement to your account or directly to providers so you can book sooner.
Documents you may need:
Photo ID (driver’s licence or passport)
Recent bank statements (3–6 months)
Payslips or income verification
Itinerary, quotes or booking holds
Asset details if offering security
How to save money on a holiday loan
Compare interest and fees—use the comparison rate to judge true cost. Shorter terms reduce total interest but raise monthly repayments; longer terms ease cash flow but cost more overall. Consider direct-to-provider payments to secure early-bird deals and avoid card interest. Borrow only what you need and check early-repayment policies so you can pay it off faster if extra funds arrive.
Example: Term impact — $12,000 at 12.49% p.a. (approx.):
| Term | Approx. Monthly Repayment | Total Interest (approx.) |
|---|---|---|
2 years (24 mths) | $566 | $1,584 |
3 years (36 mths) | $400 | $2,400 |
5 years (60 mths) | $270 | $4,200 |
Understanding holiday loan options
Structures and features affect flexibility and cost. Key options include:
Secured vs Unsecured Loans
Secured loans (often against a car) may allow larger limits and lower rates but put the asset at risk if repayments are missed. Unsecured loans are faster and flexible, usually at higher rates.
Fixed vs Variable Rates
Fixed rates lock in predictable repayments. Variable rates can change with the market—potential savings if rates fall, risk if they rise.
Direct-to-Provider Payments
Some lenders pay airlines, agents or tour companies at settlement, helping you lock in fares and ensure funds are used as intended.
Early Repayment Flexibility
Look for extra repayments and early payout with low or no penalty so you can clear the balance sooner and save on interest.
Rate-for-Risk Pricing
Sharper pricing goes to stronger profiles. Improving bank-statement conduct and reducing other debts before applying can help.
Testimonials
Verified Review
Amazing customer service experience only took short time thanks Ryan
daniel r.
Verified Review
Brad and the team at Emu money are fantastic. Highly recommend.
Liam H.
Verified Review
Robyn was amazing the way she went through each step made it so easy to understand and having a joke along the way it was like chatting to a mate well done Robyn winner
Steve G.
Verified Review
Brad provided excellent guidance throughout the entire loan process, making it much easier for me to achieve my financial goals. His expertise and support were invaluable, and I'd highly recommend him to anyone looking for a reliable finance broker.
Marlon
Verified Review
It's nice, quick and easy to get a new equipments through Emu Money. Big thanks to Brad for his great assistance.
Marvin Y.
Verified Review
Gabe H.
Frequently Asked Questions
Holiday Loan FAQs
These helpful FAQs will help you find the answers you need. If you can't find what you're looking for, you can request a callback below.
