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Personal loans Holiday loans

Holiday loans

Start booking your dream holiday.

Won’t affect your credit score

Canstar's most awarded Personal Loan (ever)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL
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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 Love the Customer service - amazing work flow new zealand
5.0 Amazing service and terms. Thank you new zealand
5.0 Quick and easy to use and great that I could top up as needed abit more for my holiday:) new zealand
5.0 Amazing service. new zealand
5.0 Amazing fast new zealand
5.0 Amazing! new zealand
5.0 amazing fast service! new zealand
5.0 Amazing service, I highly recommend Harmoney new zealand
5.0 Harmoney are amazing and their website is easy to follow and check your loan account. new zealand
5.0 such amazing customer service. thank you so much for your help ^^ new zealand
5.0 amazing service, answered all my questions and concerns. Really helped me out in my time of need. new zealand
5.0 Amazing Customer service new zealand
5.0 Amazing friendly fast and sufficient service would highly recommend them. new zealand
5.0 Amazing service. new zealand
5.0 Always a pleasure to deal with. Amazing staff you should all be proud of your top excellent communication skills 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
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 9.89%* p.a to 21.49% p.a.
  • Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

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

View more

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.Loan terms subject to availability.

2. Subject to approval. 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 you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.