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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Holiday Loan Australia
Emu Money Travel Loan Comparison

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.

1.

Apply online in 3 minutes

Share your itinerary, budget and timing. No lengthy forms.

2.

See matched options

Compare secured vs unsecured, terms, fees and comparison rates.

3.

Upload documents

Provide ID, income evidence and bank statements for assessment.

4.

Settle & start booking

Funds to you—or direct to airlines, hotels or tour providers.

How Holiday Loans Work

Backed by over 50+ lenders

Giving you the best chance of being approved.

Affordable Car Loans
Alex Bank
Angle Finance
ANZ
Australian Motorcycle & Marine Finance
Australian Premier Finance
Automotive Financial Services
Azora
Bank of Melbourne
Bizcap
BOQ
Branded Financial Services
Capify
Capital Finance
CarStart Finance
CFI
Dynamoney
EarlyPay
Equity Tap
Finance One
Finstro
Firstmac
Flexi Commercial
Green Light Auto
Grenke
Latitude
Liberty
Lumi
Metro
Money3
MoneyMe
MoneyPlace
Morris Finance
Moula
Multipli
Now Finance
Pepper Money
Plenti
Prospa
Resimac
ScotPac
Selfco
Shift
SocietyOne
UME Loans
Vestone
Westpac
Wisr
Yellow Gate

Ready to lock in your trip?

Compare travel loans from 50+ lenders with one simple application.

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.

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.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $200,000
Term6 - 84 months
Interest RateFrom 6.3%
Comparison Rate^From 7.97%
Time to Fund24 - 48 hours
EligibilityMinimum income $20,000, Australian resident, Fair credit score
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.

Loan Amount$5,000 - $200,000
Term24 - 84 months
Interest RateFrom 9.2%
Comparison Rate^From 10.87%
Time to Fund24 - 48 hours
EligibilityMinimum income $30,000, Australian resident, Fair credit score
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

Holiday Loan 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.

Loan Amount
$
Establishment Fee
$
Loan Term (months)
Interest Rate
%
Total amount to repay
$0.00
Your repayments
$NaN

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.):

TermApprox. Monthly RepaymentTotal 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

VerifiedVerified Review

Every problem that occurred during the approval process Evie found a solution. Anyone looking for a financial solution needs to have Evie on their side

Pat F.

Review posted on 2025-07-02

VerifiedVerified 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

Review posted on 2025-08-13

VerifiedVerified Review

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 I’ve 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, Brad—I’ll definitely be reaching out again in the near future!

Wesley C.

Review posted on 2024-02-28

VerifiedVerified Review

Emu Money is an excellent choice for anyone seeking a personal loan. The website is user-friendly and makes the loan process straightforward and hassle-free. I've also heard similar positive feedback from friends who have used the site. Thank you Emu!

Taz A.

Review posted on 2024-01-03

VerifiedVerified Review

Received a wonderful, organised & professional experience with Evette. Recommend highly her service and knowledge.

Colin B.

Review posted on 2024-02-28

VerifiedVerified Review

Emu Money is fantastic! I had Evie secure my personal car loan, and throughout the whole process she was very transparent. She gave me a comprehensive breakdown of the contract and guided me through the process. She's always available to chat, and is dedicated to her clients. She even advised me about my cash out limit that I didn't think of, which would've delayed me getting my car by another day. This reminded me to go to the bank directly. Her advice helped me a lot!

Akwesi A.

Review posted on 2025-05-07

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.

Can I use a holiday loan for international travel?
How much can I borrow?
Are funds paid to me or to providers?
Is a secured or unsecured loan better for travel?
Can I repay early without penalty?
Will a holiday loan affect my credit?
What documents do I need?
How fast can I be approved?
Should I use a credit card instead?
Can I include spending money?
The information, tools, and material presented on emumoney.com.au are provided for informational and comparative purposes only and do not constitute financial advice or a recommendation. While we strive to ensure the accuracy and timeliness of the information provided, we make no guarantees or warranties, either expressed or implied, regarding the completeness, accuracy, reliability, or suitability of the information, products, services, or related graphics contained on this website. The loan rates, terms, and repayments presented are based on user inputs and the data provided by lenders in our network. These are estimates and indicative figures only. Actual loan rates, terms, and repayments may vary based on the specific lender, your creditworthiness, market conditions, and other factors not accounted for in our tools.
^The comparison rate shown is for a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Any calculations or estimations do not constitute an offer of credit or a formal credit quote and is only a calculation of what you may be able to achieve based on the information you have entered. It does not consider suitable product features or loan product types. Rates + repayments shown are based on user inputted data. All applications for credit must be verified prior to the formal assessment process. All applications for credit approval are subject to lender credit approval. Approval is not guaranteed.
The minimum loan term available is 6 months, and the maximum loan term is 84 months. Maximum Annual Percentage Rate (APR): The maximum APR, which includes the interest rate plus fees and other costs calculated annually, is 29.29% per annum. Representative Example: For a loan amount of $30,000 over a term of 5 years (60 months) at an annual interest rate of 6.3% p.a., the total repayment amount including all fees and charges would be $36,471.67, with a monthly repayment of $607.86.