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Personal loans

Holiday loans

Make the most of your holiday

Personalised rates from 6.99%¹

Won’t affect your credit score

Canstar winner 5 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 It's always been a pleasure dealing with the people that work for Harmoney, absolute breeze❤ Outstanding work by Melaia, she was amazing to work with, she deserves a pay raise, great people skills. Taranaki, New Zealand
5.0 This was a top up.. You guys are amazing. Quick and easy to use and deal with. Auckland , New Zealand
5.0 Amazing service , New Zealand
5.0 You guys are amazing. Need urgernt money for travel cost for family, which I was findimg really hard. Auckland, New Zealand
5.0 Just amazing!!!! , New Zealand
5.0 Outstanding service. The staff were friendly and very helpful and quick. From the time I applied to drawdown of funds into my bank account was less than 24 hours which is amazing. Auckland , New Zealand
5.0 Harmoney is amazing. The ability to have everything verified online makes it so much easier and faster to apply and get funded. So quick. So easy and funding with a few hours.
Huge thanks to all the lenders out there!
North Island, New Zealand
5.0 The process was quick and easy. You get an answer quickly and your loan is funded within 24 hours. Amazing!! Harmoney, you have put the harmony back into my song!! Canterbury, New Zealand
5.0 I found the process to access money very simple. The time frames are amazing. Clear instructions and although i did do a double take on the interest it is for this purpose very acceptable.
Thankyou for helping me when i found most conventional pathways were not as open. I have excellent credit and collateral but found banks had too many conditions.
NEW ZEALAND, New Zealand
5.0 Absolutely amazing. Thank you for such a easy process , New Zealand
5.0 The Harmoney staff are amazing they give you nice clear instructions & you can call them at anytime if you need help understanding the Steps to complete your request. Waikato, New Zealand
5.0 Amazing software and service! Much appreciated! AL, New Zealand
5.0 Excellent quick service absolutely amazing how fast and resourceful harmoney we love them!!!! South island, New zealand
5.0 Harmoney has been amazing. Between flexibility of payments when needed and re-assessment of my credit rating to adjust the interest rate, every interaction with Harmoney has been incredible. I always suggest Harmoney for anyone who needs personal finance! Wellington, New Zealand
5.0 Absolutely amazing. I cannot believe, how straightforward the process has been. Waikato , New Zealand
5.0 amazing and so easy
such a relief due to an unexpected expense for our furbaby
thank you so much
Auckland, New Zealand
5.0 Fast and easy you guys are amazing to deal with again Hawkes bay, New zealand
5.0 Quick and easy no stress now we can enjoy along awaiting holiday Auckland, New Zealand
5.0 Easy as 123. I didn't know that it was this simple to have a loan approved. The online system is so perfect that you are kept informed of the progress of your application. Our holiday dreams have finally come alive Auckland , New Zealand
5.0 I was needing a relatively fast solution to a financial situation and harmoney gave me the opportunity to work it all out online, and on a public holiday. Thanks so much. Auckland, New Zealand
5.0 Harmoney staff are always friendly and informative people to deal with.i am now able to travel to Australia to celebrate a milestone birthday.
New zealand,
5.0 This is incredibly modern and user friendly. I am super impressed with the entire concept and how the system is set up. Amazing stuff! Futuristic and helpful. The interest rate in my case was 27% and I hoped for lower interest, perhaps 18%. But nonetheless Harmony has helped me get it my way when all traditional banks and finance companies couldnt care to help me. Now I am in control and can sleep at night knowing I can afford my repayments and live a normal life, start saving again to repay the loan faster and be debt free sooner with no stress. Harmony approved me and the money was in my bank account the same day! All done on my phone in my lunch break. Simply amazing! Felt like a blessed miracle to consolidate my debt so efficiently and so quickly. It's been months of struggle and now I am at peace with my circumstances. THANK YOU HARMONY Auckland, New Zealand
5.0 Harmoney is an amazing borrowing platform. It is really easy to negotiate the web site. Quick, friendly replies from staff and progress reports. highly recommend it to anyone. And thank those who make it possible , New Zealand
5.0 AMAZING!!! Auckland , New Zealand
5.0 Amazing it can all be done online! Auckland, New Zealand
5.0 Amazing wonderful and very helpful place hawkes bay, new zealand
5.0 Super easy and very pleasant to deal with on the phone. You guys are amazing!! New Zealand ,
5.0 It is amazing and so prompt and all staff are efficient and profssional Auckland, New zealand
5.0 I thank Harmoney for the quickness and ease it took to obtain a loan top up. The top up interest rate on the new loan was less than the original loan and the money was in my bank account in less than 24 hours. Amazing service when in need. Thank you. , New Zealand
5.0 Amazing Waikato, New Zealand
5.0 Stress free amazing and quick! Was super quick was all confirmed and approved in less than an hour always easy to deal with would definitely recommend! Canterbury , New Zealand
5.0 Amazing! Patient friendly well mannered staff. Money arrived in my account the same day. Brilliant service. Auckland, New Zealand
5.0 Very Quick and easy and whats amazing it is a Saturday and I was called with minutes of applying. Auckland, New Zealand
5.0 Thank you Harmoney, you make life so much easier, debt has been hanging over my head for a very long time and you have lifted a heavy stress load from our shoulders - simply amazing and Keni I dealt with unbelievable - outstanding service and he should get an award for amazing customer service and knowing his customers was the key too. Auckland, New Zealand
5.0 It was so quick and easy everything on line and at your fingertips I was funded in the time it took to drive to work amazing Canterbury, New zealand
5.0 Amazing and so easy. Love the anonymity of it all. Canterbury, New Zealand
5.0 WOW - this service is quite amazing. I have never seen anything like it, awesome :) Canterbury, New Zealand
5.0 Amazing quick easy and very professional! Canterbury , New Zealand
5.0 Amazing as always , New Zealand
5.0 shavneel has been amazing to deal with thank u so much, the problems sorted quickly and the money was there the same day, thank u again. Auckalnd, New Zealand
5.0 Harmony are amazing!! So easy to deal with!! Brilliant , New Zealand
5.0 Very easy process, simple and user friendly documentation. I had everything done within a 24 hour period - pretty amazing really. , New Zealand
5.0 I love the promptness of it. It was amazing. Within 24 hours it was all done. Plus no need to go into a finance store or bank and be judged! I'll be suggesting Harmoney to friends. , New Zealand
5.0 Loved it people I talked to at harmoney are very friendly and helpful,thank you harmoney for making everything so easy for me. Harmoney make it possible for me and my family to go on holiday at the end of the year. Auckland, New Zealand
5.0 Excellent so easy to understand and work through thank you to all you lenders out there this helps alot with my sister and I holiday. I would definitely go with Harmony again :). Far North Island, New Zealand
5.0 Absolutley amazing!!! Professional customer service, stress free application and fast approval. Your the best Harmoney! , New Zealand
5.0 this was so easy and transparent. the online forms are amazing. Canterbury, New Zealand
5.0 An amazing and super fast loan application.

Harmoney is incredible!
, New Zealand
5.0 Amazing quick service thank you so much for your online services. Love how you use Credit Sense which is highly recommended and fully trusted. Makes it so much easier to apply online Auckland, New Zealand
5.0 I found the lending bar abit hard to use as to how much money i wanted...should be an amount you physically enter..otherwise very good to filling out application online..1 thing i had trouble was uploading statement pdf file..had to get someone to help me like my bank and my daughter...hehehe....excellent..communication and fast payment into my account....highly recommend...thank you..best holiday ever thanks to you... Auckland, NEW ZEALAND
5.0 Being that this is my first experience with Peer to Peer lending, I tried my best to follow directions as I was prompted along. I applied to consolidate my finances with other lending companies and that was fine. However it would've been appropriate to give the lender ability to edit the amounts listed to be consolidated when the final listing was presented for bank account details. I'd made a mistake and noted that I couldn't correct one of the amounts to consolidate. Fortunately I'm able to correct it manually with one of the finance institutions, but going forward it may be an option to be left open?

But it sure was an amazing experience as Hamoney explained each step in simple English, not with borrower's jargon that can put one off from continuing.

This is a great way to help those you genuinely need financial help and I'm very thankful!
Auckland, New Zealand
5.0 Appreciate the support provided, great service thank you. Time frame was amazing.
Thank you
Wanganui, New Zealand
5.0 I'm a big online shopper so this style of online funding was perfect for me ie., no hassles with appointments or travel. Although i had a couple of technical issues ie., uploading my bank statements & bank account details, when I called the Harmoney team they were quick to resolve my problems & within 24 hours my loan was approved & funded. Thanks Harmoney you helped me to help a very close friend out of a difficult situation. East Coast, 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 or 5 years

Loan terms
$200 or $450

Establishment fee

Early repayment fee
  • Interest rates from 6.99% p.a.24.69% p.a.¹
  • Establishment fee of $200 for loans under $5,000²
  • Establishment fee of $450 for loans $5,000 and over²
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Find out more about our rates and fees

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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100% ONLINE - 24/7

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

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

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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 range from 6.99% p.a. to 24.69% p.a. and 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 loans terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.