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Personal loans Holiday loans

Holiday loans

Start booking your dream holiday.

Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a.(plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 years in a row
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Take out the hassle

Holidays should be about fun. Let Harmoney make things easier with a travel expenses loan.

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Having your holiday loan money in the bank before you book lets you get in on all the best promotions and discounts. Make a holiday loan the first step in planning your next holiday.

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Your holiday loan is personalised to you; you choose your repayment amount and loan term, so all that’s left to worry about is enjoying your holiday.

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All our personal loans are unsecured, meaning we won’t ever ask you to put down personal assets as collateral for missing a payment.

What our customers say

5.0 Just amazing, cant imagine life without Harmoney - help out in the real world new zealand
5.0 Amazing and very quick service. Thanks again Harmoney new zealand
5.0 Amazing service, fast and grat communication, thanks new zealand
5.0 I've ran out of $$ while still on my vacation!!! Need some to tie me over till I return home.

Hopefully, this will come through soon. But the process was less stressful.

Thanks Harmoney
new zealand
5.0 Harmoney are amazing to deal with. The team are helpful and the process is the best out there - fast, easy and initiative. Nice work team. new zealand
5.0 Amazing staff new zealand
5.0 Amazing new zealand
5.0 Amazing and efficient service new zealand
5.0 Amazing response thank you so much new zealand
5.0 Amazing service; quick and easy. Always recommended! new zealand
5.0 Absolutely quick , no hassle and amazing customer service. new zealand
5.0 Flipping amazing and very accurate consistent/communication awesome new zealand
5.0 Amazing customer service by Joe. Quick efficient and effective for a busy working family. Thank you for supporting us and our future aspirations new zealand
5.0 Amazing quick service being all online. new zealand
5.0 Very quick replies, helpful on the phone, and working on weekends and public holidays (in NZ) is admirable for the customer service representatives. new zealand

100% online holiday loans

Step 1. Get to know you

Provide identity and finance documents, tell us about your plans and let us know how much you’d like to borrow.

Step 2. Get your quote

We’ll provide a detailed quote for your travel loan including your interest rate, loan limit and repayments.

Step 3. Get your money

Once you’ve approved your loan and provided a few final details your money should reach you within 24 hours.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Quick holiday loan estimate

Need money for your dream holiday? Our free loan calculator can provide a quick personalised snapshot of the rate and repayments you can expect on a holiday loan.

Common holiday and travel loan questions

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Can anyone apply for a holiday loan?

To apply for a travel loan in Australia, you need to:

  • Be at least 18 years of age

  • Be an Australian citizen, Permanent Resident or New Zealand citizen

  • Have full-time or permanent part-time employment

  • Have photo ID documents available, e.g. your passport or Australian driver’s licence

  • Not have defaults, judgments or bankruptcies recorded on your credit report

  • Be borrowing at least $2,000

To apply for a travel loan in New Zealand, you need to:

  • Be at least 18 years of age

  • Be a New Zealand citizen or Permanent Resident

  • Have a stable income

Applying for a travel expenses loan is no different from most types of personal loans on Harmoney, and the process is fully online.

What expenses can a holiday loan cover?

A holiday loan can pay for as much of your trip as you need it to, up to your borrowing limit. This can include flights, accommodation, tours, food and drink, accessories, travel insurance and, of course, spending money. Let us know how much you need for your loan when you apply.

Can I start repaying my loan after my holiday?

You’re required to start making regular repayments on your travel loan right away, so this can’t be delayed until after your holiday. But you can choose the repayment schedule that best suits you - weekly, fortnightly, or monthly.

Can I cancel my loan if my holiday is cancelled?

Harmoney loans can be cancelled within a “cooling-off” period of 7 days of the loan starting. You must notify us that you want to cancel and pay back your borrowed amount in full. We’ll refund your establishment fee if you’re still in the cooling-off period.

If it’s been longer than 7 days since your loan was started, you can choose to make an early repayment and pay back your remaining balance in full (including any interest owing at that time). We won’t charge for early loan repayment, but we can’t refund any fees or interest.

What if I need to borrow more?

If you ended up spending more on your trip than you’d planned, you may be eligible for a Harmoney loan top-up to consolidate debt if you’ve been making repayments on your current loan for at least 6 months and you have good credit.

Can I pay back my loan early?

Yes. We encourage borrowers to get out of debt sooner by not charging any fees for early loan repayment. Some people who borrow money to book flights and other expenses in advance start paying back their loan before their holiday even starts so they can enjoy their travels with less debt.

Jet off sooner with a holiday loan

You don’t have to miss the trip of a lifetime if you don’t have the savings.

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Pay a fair interest rate calculatedly automatically based on your personal credit.

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100% ONLINE - 24/7

Start your online loan application any time and be done in minutes.

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Unlike many lenders, we don’t charge any fees if you pay back your travel loan early.

About holiday loans

If you’ve been dreaming of a holiday and the only thing holding you back from booking is the cost, a travel expenses loan can get you travel ready.

Everything from flights and hotels to food and drinks can be covered up to your loan limit. Before you book, here are some important factors to consider when choosing a holiday loan.

Unsecured holiday loan

An unsecured loan does not require collateral, such as a vehicle or property, to secure the loan. If you are unable to make the repayments on your unsecured holiday loan, you will pay extra fees but won’t have your assets seized, making them a safer option.

All Harmoney loans are unsecured.

Secured holiday loan

A secured loan requires collateral as security for the loan. This type of loan often has a lower interest rate, however if you default on the loan the provider can then repossess the asset you put up as security to recover the cost of the loan.

We do not offer secure loans at Harmoney.

Holiday package loans

You may find some travel agents who offer holiday package loans to seal the deal. Make sure to check all the details of the offer – such as loan term, interest rates and any fees – to make sure you’re getting a good deal.

Fixed or variable interest

A vital factor to consider when choosing a holiday loan is the type of interest rate. Interest rates can either be variable or fixed rate. A variable interest rate changes according to the market rate, meaning your repayments on the loan could be different from month to month. A fixed rate meanwhile remains the same regardless of external changes, meaning you’ll pay the same rate each month.

Harmoney loans are always fixed rate, we do not offer variable interest rates as we prefer our borrowers to have certainty.

Ready to plan your trip?

Apply for a holiday loan online and start counting down the days to your holiday.

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We're real people and here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loan terms being accepted (based on loans submitted in 2021).