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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 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
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5.0 Easy process.

Thanks for making my holidays come true.
new zealand
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5.0 This is third time we have used Harmoney, it’s an amazing system, without the usual hassle.

Thank you again.
new zealand
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5.0 I kinda went on this as a last resort, And was not expecting and response so incredibly fast and the people that contacted me in regards to my application were so well mannered and patience. You guys are amazing.Thank you new zealand
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The person who I dealt with on the phone was so helpful and supportive
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Joanna was amazing thanks
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5.0 It's been incredibly quick. I took my time to calculate out the differences of not consolidating vs consolidating with Harmoney and it was amazing...I had to triple check everything. All I can say is thank you for the opportunity you have given me. , new zealand
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5.0 Amazing service.
Thank you
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5.0 Thank you so much and the staff that I have spoken to have been amazing. new zealand
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5.0 The people at Harmoney are amazing, we applied for a loan to construct a bedroom and office to an existing dwelling which will make a significant impact to our lifestyle . Harmoney were very helpful as the application was not strait forward when calculating income as an Independent Contractor. I would highly recommend them for instant financial assistance. new zealand
5.0 It was an amazing experience, lots of information to help me - plus the Customer services support was great new zealand
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5.0 Awesome fast outcome easy to work with fast approval and amazing customer service
New Zealand , United Kingdom
5.0 amazing experience. always fast and reliable service New Zealand
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5.0 amazing fast service New Zealand
5.0 Quick and reliable. Amazing team! New Zealand
5.0 Always so easy to deal with and amazing stuff New Zealand
5.0 Impressive. I've used your lending services before and it really has been as very smooth indeed.

I guess I felt a little frustrated that I was not able to include the $640 that I was earning each week through tenancies at the (one) house I own (that's an additional income of $33280 before tax). I gave it several attempts through your portal but just couldn't seem to do it. In the end I gave up and just crossed my fingers that my current income (teacher's salary) was going to be enough to get me over the line - and it was!

Phew; a really amazing feeling tbh
New Zealand
5.0 Amazing New Zealand
5.0 Dealing with you guys is amazing no hassle no drama's will continue dealing through you. New Zealand
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5.0 So easy and a amazing service. I'm always grateful for your guys help. Thank you New Zealand
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5.0 Always amazing New Zealand
5.0 This has BY FAR the most pleasant and user friendly site that I have used lately. Keep up the amazing job! 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

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

View more
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).