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Typical amounts $3,000 to $30,000+
1 to 5 year terms for certainty
Same-day outcomes possible for complete files
Sharper rates with security; flexible with unsecured
Optional payments to travel agents or tour operators
International, domestic, road trips or staycations
Share your itinerary, budget and timing. No lengthy forms.
Compare secured vs unsecured, terms, fees and comparison rates.
Provide ID, income evidence and bank statements for assessment.
Funds to youâor direct to airlines, hotels or tour providers.

Holiday or travel loans are personal loans used to spread the cost of flights, accommodation, tours and spending money into predictable repayments. Theyâre ideal for big trips, family visits or last-minute travel when youâd 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.
Explore the sections below to plan and fund your trip smartly.
Pick a structure that fits your itinerary and budget:
A personal loan that doesn't require collateral, based on your creditworthiness and ability to repay, offering flexibility for various purposes.
People who need flexible funding for any purpose without risking their assets. Ideal for debt consolidation, home improvements, holidays, and old or exotic vehicles.
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.
Borrowers with valuable assets who want lower rates for debt consolidation, home improvements, or major purchases while keeping costs down.
An unsecured personal loan with fixed interest rate providing predictable monthly payments. Perfect for consolidating debt or funding personal goals.
Borrowers who want payment certainty and protection against rate rises for debt consolidation, home improvements, or planned expenses.
An unsecured personal loan with variable interest rates that can fluctuate with market conditions. Potentially benefit from rate decreases on your personal financing.
Borrowers comfortable with payment variability who want to benefit from potential rate decreases without putting assets at risk.
Holiday loans can cover most trip-related costsâbefore you go and while youâre away:
Book international or domestic airfares, trains and ferries. Optional direct payments to providers can secure early-bird fares.
Hotels, resorts, holiday rentals or multi-stop stays. Bundle deposits and balances into one clear repayment.
Guided tours, theme parks, adventure activities and museum passes. Pay in advance without stretching cash flow.
Hire cars, campervans, fuel and toll budgets rolled into the same facility for simpler planning.
Include comprehensive cover so youâre protected against cancellations, delays and medical costs.
Meals, events, luggage, SIMs and prepaid travel cardsâfund the finishing touches for a smoother trip.

Aisha & Tom
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.
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.
Balance over time
Eligibility focuses on affordability and income stability. Stronger credit and clean recent bank statements can unlock sharper pricing. Secured options may help if youâre 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
Complete a quick online application and upload documents. Weâll 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 (driverâs licence or passport)
Recent bank statements (3â6 months)
Payslips or income verification
Itinerary, quotes or booking holds
Asset details if offering security
Compare interest and feesâuse 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 â $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 |
Structures and features affect flexibility and cost. Key options include:
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 rates lock in predictable repayments. Variable rates can change with the marketâpotential savings if rates fall, risk if they rise.
Some lenders pay airlines, agents or tour companies at settlement, helping you lock in fares and ensure funds are used as intended.
Look for extra repayments and early payout with low or no penalty so you can clear the balance sooner and save on interest.
Sharper pricing goes to stronger profiles. Improving bank-statement conduct and reducing other debts before applying can help.
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Brad and the team at Emu money are fantastic. Highly recommend.
Liam H.
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Just the best organiser and extremely helpful đ. Strongly recommend!!!
Cleo C.
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Ryan was Very helpful through the entire process and made everything super simple for me. Had no issues altering and changing to suit my needs throughout
Kye Z.
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It was an absolute pleasure dealing with Ryan from Emu Money in sorting out my car loan. I was talking with another broker and I was almost ready to settle the loan through him without realising I was getting charged a large amount as the lender fee, almost 3K. Once I started talking with Ryan I realised the naked truth of how I was about to get ripped off by the other lender. Ryan helped me to get the loan with a lesser fee, lesser repayment amount and the same lender with which I was gone with the first broker. I can't thank enough Ryan for his exceptional service which helped to get a better deal. I would highly recommend him for any loan needs.
Praveen P.
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Dat N.
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In today's world, finding someone truly committed to their work and dedicated to their clients' best interests is rare. Brad has been one of the best brokers Iâve ever worked with. His communication is exceptional, his understanding of my needs was spot-on, and he went above and beyond to ensure I had exactly what I needed for my business to thrive. Thank you, BradâIâll definitely be reaching out again in the near future!
Wesley C.
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