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Personal loans Holiday 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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DON’T MISS DEALS

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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ON YOUR SCHEDULE

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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UNSECURED LOAN

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 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
5.0 Phone help amazing New Zealand
5.0 Absolutely amazing process, thank you so much. New Zealand
5.0 Amazing fast service New Zealand
5.0 So easy and a amazing service. I'm always grateful for your guys help. Thank you New Zealand
5.0 Super fast process and fantastic help for the customer service team. Amazing New Zealand
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
5.0 Amazing and fast. New Zealand
5.0 Amazing and fast turnaround time with simple steps to follow! New Zealand
5.0 Amazing thank you souch always been so helpful New Zealand
5.0 amazing New Zealand
5.0 You guys are amazing thank you New Zealand
5.0 AMAZING! Thank you New Zealand
5.0 Amazing service. Recommend to everyone. New Zealand
5.0 Thank you for the amazing turnaround on my application New Zealand
5.0 Yes pretty amazing im in awe im not one for applications so Harmoney always astounds me New Zealand
5.0 Very seamless process. The interface and the dashboard is truly amazing. New Zealand
5.0 The service is amazing New Zealand
5.0 Your online staff is absolutely amazing. Thank you Shaba. New Zealand
5.0 Just amazing, so quick easy and the interest rates are great New Zealand
5.0 Amazing! New Zealand
5.0 My experience with Harmoney has been amazing. I spoke with a man named Joey who was very helpful. I would deal with Harmoney in the future if I ever need to. New Zealand
5.0 As always, amazing. Thank you New Zealand
5.0 amazing, thank you for the fast outcome and the help New Zealand
5.0 Amazing customer service and very easy and stress free to deal with New Zealand
5.0 amazing and so easy New Zealand
5.0 absolutely amazing and made it so simple and easy New Zealand
5.0 Thank you so much you guys are always there to help and the quickness of your service is unbelievable. Amazing work. New Zealand
5.0 Amazing quick service. New Zealand
5.0 We feel so blessed to have picked the most easiest application to fill in and quick response from harmony Amazing service ever absolutely friendly New Zealand
5.0 Amazing team and been a very big help second time round aswell. New Zealand
5.0 Amazing customer service once again New Zealand
5.0 Amazing ease of access for those not too tech savvy. Fastest responses and clear communication regarding the status of my application. Very impressed, thanks Harmoney New Zealand
5.0 Amazing service! Thank you thank you thank you New Zealand
5.0 Thanks very much to the amazing customer service staffs for all your help. Great work! New Zealand
5.0 Amazing service. Thank yoi New Zealand
5.0 Super quick and amazing super simple New Zealand
5.0 Amazing service, great company New Zealand
5.0 Amazing team as always, thanks again New Zealand
5.0 Everyone I have dealt with today has been absolutely amazing, some of the best customer service I have ever experienced, thank you Harmoney you rock New Zealand
5.0 Thank you so much this has been so quick and easy. I have spoken to three people and everyone has been so amazing New Zealand
5.0 Amazing company to deal with New Zealand
5.0 Fast process! Truly amazing New Zealand
5.0 Amazing - so quick and easy New Zealand
5.0 WOW, amazing New Zealand
5.0 Amazing! Quick communication and lovely representatives. New Zealand
5.0 You're amazing. The staff member that I spoke to on the phone is brilliant, friendly and professional.
Thank you so very much. You make my day.
New Zealand
5.0 Amazing and super quick thank you! New Zealand
5.0 Amazing New Zealand
5.0 Amazing service. So easy and quick. Love it. New Zealand
5.0 Amazing service and understanding New Zealand
5.0 Absolutely amazing. The turn around was so quick and this has eased my stress. Thank you so much. New Zealand
5.0 Amazing, I love how quick and easy the process is! New Zealand
5.0 You guys are amazing New Zealand
5.0 Amazing New Zealand
5.0 Amazing service, simple and user friendly process. New Zealand
5.0 Amazing and easy New Zealand
5.0 Authentic fast amazing service New Zealand
5.0 Amazing, fast and good to deal with New Zealand
5.0 so easy to deal with and everyone we have spoken to and had help from have been amazing thankyou New Zealand
5.0 wow, just wow amazing New Zealand
5.0 Amazing service New Zealand
5.0 As always amazing service New Zealand
5.0 Amazing service New Zealand
5.0 You guys have been amazing very easy process. New Zealand
5.0 Amazing New Zealand
5.0 Amazing service, super fast New Zealand
5.0 Harmony are amazing. I would just like to say the downloading of drivers licence etc was not easy. other than that another great Harmony experience. Thanks Team New Zealand
5.0 Amazing so quick and easy New Zealand
5.0 I had the best help from a representative named Kris, she was always communicating with me and made everything so easy. She went above and beyond to help me and it all started from one little question that I did not expect to have follow up on. Kris is a wonderful asset to you team and has great customer service skills and your company should be proud to have her on the team and creating amazing experiences for your customers! New Zealand
5.0 it was amazing New Zealand
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 So amazing and hassle free New Zealand
5.0 Thank you so much for your amazing service. You are honest a pleasure to deal with 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 My dealings with Harmoney so far have been amazing. In particular my dealing with one of your staff called Joey, who was clear, in control and helped me walk through the process. I thought Joey was the best memory of today. New Zealand
5.0 Amazing to deal with New Zealand
5.0 Great as I will enjoy an awesome holiday with family. New Zealand
5.0 Such an amazing straight forward process! New Zealand
5.0 You guys re amazing! New Zealand
5.0 Amazing!!!!!!! New Zealand
5.0 Great Service , Kris was amazing.. New Zealand
5.0 Amazing and easy ... definitely recommend New Zealand
5.0 Amazing service New Zealand
5.0 Amazing New Zealand
5.0 So easy, amazing New Zealand
5.0 Amazing service , New Zealand
5.0 Hi Guys, we originally borrowed the money off you guys to renovate our house which has by the way come up absolutely amazing. We are using this money to finish the final room in the house - the laundry.
Your customer service is absolutely amazing. Really appreciate everything. Thanks
New Zealand
5.0 THANK YOU,
YOU GUYS ARE AMAZING TO DEAL WITH
New Zealand
5.0 Really amazing experience very quick and easy to understand New Zealand
5.0 Amazing, Quick and easy application. New Zealand
5.0 Amazing! So easy so quick thank you New Zealand
5.0 Amazing New Zealand
5.0 Amazing service and great team with amazing customer support 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
$150

Establishment fee
$0

Early repayment fee
  • Interest rates from 6.99% p.a.19.99% p.a.¹
  • Establishment fee of $150²
  • 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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PERSONALISED RATE

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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NO EARLY REPAYMENT PENALTIES

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.

Types of personal loans

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EDUCATION COSTS

Get a study expenses loan to help take the financial stress out of your education.

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DEBT CONSOLIDATION

Simplify your debts by combining all your loans and repayments into one easy loan.

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HOLIDAY LOANS

Need a holiday? Apply for an online holiday loan and get the cash to help you plan your ideal getaway.

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BUSINESS LOANS

Start a new business or take your existing business to a new level with an online business loan.

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MEDICAL LOANS

Stop worrying about money and focus on recovery with an online medical loan.

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RENOVATION LOANS

Does your property need a facelift? Get those home improvement projects started with an online renovation loan.

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WEDDING LOANS

Don’t compromise on your dreams. Get the day you’ve always wanted with a wedding loan from Harmoney.

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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 2018).

2. Establishment fee of $150 for loans from $2,000 to $70,000. Fixed rates range from 6.99% p.a. to 19.99% p.a. on 36 to 60 month terms, with no early repayment penalties.