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Personal loans Holiday loans

Holiday loans

Start booking your dream holiday.


Won't affect your credit score

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Take the hassle out of travel with a holiday loan

There’s enough to worry about when you’re going away. A travel expenses loan could help with the money worries.

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DON’T MISS DEALS

Get your holiday loan approved before you start booking your trip to take advantage of promotions and discounts.

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ON YOUR SCHEDULE

You choose the loan term so you can enjoy your holiday knowing how much your repayments are.

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UNSECURED LOAN

All our personal loans are unsecured. This means you don’t need to put down a high-value asset as security for the loan.

What our customers say

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5.0 Very fast and easy australia
5.0 The loan process was incredibly fast, easy and stress free. australia
5.0 Amazing service and easy!!!! australia
5.0 Easy, no hassles, fast loans, repayments you can afford. australia
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5.0 The whole process was very easy and fast australia
5.0 Super fast service australia
5.0 Thank you, fast and efficient. australia
5.0 Very fast, easy process australia
5.0 Smooth, Simple and easy australia
5.0 Always fast and easy australia
5.0 Fast, easy and helpful australia
5.0 Fast efficient service australia

Simple, 100% online

Step 1. Get to know you

Tell us how much you want to borrow for travel expenses then share documents like your identity and financial details.

Step 2. Get your quote

We’ll give you a quote for your travel loan which includes your loan term, interest rate, loan limit, and regular repayment amounts.

Step 3. Get your money

If you’re happy with your quote, we’ll need a few last details and you’ll normally get your money within 24 hours.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms
$275 or $575

Establishment fee
$0

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 5.66%* to 20.07% (comparison rate 6.45%)
  • Unsecured fixed rates from 5.76%² to 24.03% (comparison rate 6.55%³)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ⁴
  • Establishment fee of $575 for loans $5,000and over ⁴
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

*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

How much do you need for your trip? Use our loan calculator to see what rate and repayments you can expect.

Common holiday and travel loan questions

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New Zealand

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.

You are welcome to make additional repayments at any time. You can do this by making a manual payment to Harmoney.

You may also repay your loan in full at any time, and there is no early repayment fee. Please contact us if you wish to confirm your outstanding balance.

New Zealand

Manual payments can be made into Harmoney's bank account via direct credit:

Bank: ASB Bank

Account number: 12-3109-0159350-03

Reference: (your LAI number)

Australia

Manual payments can be made into Harmoney's bank account via BPAY:

Loan Accepted Before 31st July 2021

Loan Accepted After 31st July 2021

Biller code: 112177

BPay reference: (your LAI number)

Biller code: 311423

BPay reference: (your LAI number)


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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

Your quote can be completed in minutes.

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NO EARLY REPAYMENT FEES

We won’t charge a fee if you want to pay back your travel loan earlier.

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PERSONALISED RATE

We’ll automatically calculate your personal interest rate based on your credit profile.

About holiday loans

A travel expenses loan is there to help if you need some quick cash to book flights, accommodation or other costs related to your trip, so you don’t have to wait until you’ve built up enough savings and possibly miss your chance to travel.

There are different types of holiday loans to choose from. It’s important to know your options so you can be confident you’re making the right choice.

Unsecured holiday loan

An unsecured loan doesn’t use an asset (such as a car or property) as security for the loan. This means that you won’t risk losing the asset if you have trouble making your repayments, but you’ll still have to pay charges.

All travel loans on Harmoney are unsecured, to give our borrowers peace of mind.

Secured holiday loan

With a secured loan, you need to put forward a valuable asset as security for the loan. If it turns out that you can’t pay your loan (defaulting), the loan provider can sell this asset at auction so they can recover some or all of their money.

Harmoney does not offer secured loans.

Holiday package loans

Some travel agents offer holiday loans if you book your trip with them, which may include benefits such as discounted insurance or deferred payments. On the downside, the loan terms may be less favourable than a personal loan and you’ll be tied to one travel company for flights, accommodation and other bookings, which could be more expensive than booking these services separately.

Fixed or variable interest

One of the most important points to compare on your quote is the interest rate, including whether the term is fixed or variable. A fixed rate will remain the same all through your loan term, making it easier to budget and protecting you from financial shocks, while a variable rate can rise or fall depending on the state of the economy.

All Harmoney loans have a fixed rate, so you can rest easy knowing what your monthly repayments will be. Find out more about our interest rates and fees.

Ready to plan your trip?

Get a quote for a holiday loan online and you’ll be flying in no time.

Loans for almost every need

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We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 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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