# Harmoney Holiday Expenses — New Zealand

Start your next adventure

You have been planning this trip — or maybe the opportunity just came up. Flights, accommodation, and spending money add up, and putting it all on a credit card means variable rates and no clear payoff date.

Your trip is booked and paid for. One fixed repayment that you planned before you left, with a clear end date and no surprises when you get home.

A Harmoney personal loan lets you borrow $2,000 to $30,000 for flights, accommodation, tours, or any travel expense. Your rate is fixed, there are no monthly fees, and you can pay it off early with no penalties — including if you come home and want to clear it sooner.

Typical amount for this purpose: $2,000 – $30,000 — guidance, not a product limit; the loan amount range below applies.

## How holiday expenses finance works

- Check your rate: A soft inquiry in as little as 2 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours. Subject to responsible lending inquiries.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Planning your travel budget

**Book early for the best fares.** Flights and accommodation are typically among the cheapest 6 to 8 weeks before departure for domestic travel and 3 to 6 months for international.

**Know your total cost before you borrow.** Add up flights, accommodation, travel insurance, daily spending, and a buffer for unexpected costs. Borrow what you need — not more.

**Consider travel insurance.** A personal loan covers the upfront cost, but travel insurance protects you if plans change. Medical cover alone can save thousands if something goes wrong overseas.

**Pay it off before the next trip.** Choose the shortest term you can afford so the loan is cleared before your next holiday. With $0 early repayment fees, you can pay it down sooner if your budget allows.

## Personal Loan (unsecured)

- Interest rate: 7.99% p.a. – 24.99% p.a. (fixed)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $150
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288.


The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.