hero at 1024x520
Personal loans

Holiday loans

Make the most of your holiday

Personalised rates from 6.99%¹
(comparison rate 7.79%)²

Our latest awards
finder award 2019 v2
mozo award 2018
mozo award 2018 v2
rate city 2020 v2

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.

be prepared v6
DON’T MISS DEALS

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

repayments v3
ON YOUR SCHEDULE

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

unsecured
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

5.0 seamless, fast and user friendly experience. Australia
5.0 Amazing fast process Australia
5.0 Simple and easy Australia
5.0 Fast communication Australia
5.0 Fast and easy Australia
5.0 Amazing Australia
5.0 So simple, straightforward and easy to use. I think the service is great. Australia
5.0 It’s been a very simple process Australia
5.0 Fast, efficient and easy to use service. Australia
5.0 Simple to organize Australia
5.0 always fantastic and fast servoce! Australia
5.0 Easy and fast service. Thank you. Australia
5.0 Fast easy and helpful with the offers Australia
5.0 It's such an amazing service.. putting your desperation in action straight away.. thank you kindly Australia
5.0 The Team at Harmoney are amazing to deal with, the prompt service and a very easy platform to navigate. Australia
5.0 So easy and simple Australia
5.0 You guys at Harmoney are just amazing. So easy. Not intrusive and the customer service staff are super helpful. Thank you for not making me feel like a failure...as the banks do... Being a single Mum on one wage due to my husband passing away all my bank want to do is give me advice on budgeting...no help at all. Thank you again Harmoney for being understanding , helpful , considerate and for putting a smile back on my face. Financially, I can now breathe. :):):) 5+ star service. Australia
5.0 Communication was great! Fast and easy process, thankyou! Australia
5.0 Fast, easy, no fuss Australia
5.0 Harmoney makes consolidating debt fast and easy, relieving the worry of dealing with multiple accounts Australia
5.0 Easy to read and understand, will recommend Harmony to friends and family Australia
5.0 Unbelievably fast and hassle free process ... good job! Australia
5.0 The overall process was too fast and fantastic Australia
5.0 So simple with very decent terms- would much prefer over the big banks Australia
5.0 Easy and fast Australia
5.0 Simple and easy to understand. The layout of the website, was very user friendly. Australia
5.0 Fast and Quick Process, Gave mulitple options for payments, easy upload of Bank Statements, Highly Recommend. Australia
5.0 Excellent. Fast approval and easy application. Flawless process. Australia
5.0 Excellent service. Highly recommended. Easy to complete, and very fast review times. I'll be using this service again. Australia
5.0 Thanks so much process was simple and fast. Australia
5.0 Fast and excellent service Australia
5.0 Very simple , quick and easy Australia
5.0 Harmony are amazing they are all about us the lenders with extremely fair loan repayments. The team are always so considerate helpful and put our stressed minds at ease. I would never brow from anyone else. Australia
5.0 Very fast and easy Australia
5.0 Amazing , fast and easy Australia
5.0 Quick and easy, straight forward information fast Australia
5.0 Easy and fast thankyou Australia
5.0 Everything was so involved with technology which made it so simple ! No speed bumps on the way. Even each step along the way is very simple to understand. Amazing people on the phone too ! Australia
5.0 application is easy with a fast result Australia
5.0 Easy and fast Australia
5.0 Fast easy and great to deal with! Highly recommended!!! Australia
5.0 Very simple to use. Very quick response timframe. Australia
5.0 Process was simple and fast. Australia
5.0 Super fast and easy. Australia
5.0 So far so good, easy and efficient process. All online and fast responses. Australia
5.0 Fast and easy. Australia
5.0 fast and efficient Australia
5.0 Fast approval, helpful Australia
5.0 Simple, easy process Australia
5.0 Simple, quick and stress free. Thank you. Australia
5.0 Amazing quick and easy Australia
5.0 Easy, simple process Australia
5.0 Extremely easy, smooth and fast process! I have used Harmoney in the past and have told my family and friends to go with Harmoney! Australia
5.0 Amazing Australia
5.0 Simple application process, fast turnaround. Customer service is excellent. Australia
5.0 very fast services Australia
5.0 Easy, fast, friendly and convenient. Thank you for your service Australia
5.0 Simple easy process Australia
5.0 Easy and fast transaction. Australia
5.0 Fast was informed every step Australia
5.0 Can’t believe how easy and fast it was Australia
5.0 Fast and easy transaction Australia
5.0 Quick and simple. Not painful like I have had in the past Australia
5.0 I Recommend Harmoney for Fast, Hassle free loans with professional staff available for any questions for quick response via phone ,and online. Australia
5.0 Awesome service, very professional and lightening fast approval , provided u satisfy their requirements, can’t recommend enough to other clients !! Australia
5.0 Simple and fuss free Australia
5.0 Super efficient. Amazing set up. Easy and Thank you Australia
5.0 Simple, easy to understand and fast Australia
5.0 Smooth. Simple. Refreshing. Australia
5.0 Amazing and fast rocess. Very efficient and pleasant would highly recommend! Australia
5.0 You work very fast. Thanks. Australia
5.0 Thankyou for a simple and fast way to apply. This is my second loan with Latitude and the service is always excellent Australia
5.0 Very easy to apply and fast results Australia
5.0 Thank you for all your help in making it clear fast and an easy process a great experience Australia
5.0 Quick and simple - very impressive Australia
5.0 great service, easy and fast to do Australia
5.0 fast and easy Australia
5.0 Your service is amazing Australia
5.0 Fast service Australia
5.0 Fast and efficient Australia
5.0 Extremely fast approval Australia
5.0 Great website and really fast. Nothing is hidden. Only down side is the high interest rates. All in all a good service. Australia
5.0 The whole application process was easy, quick and simple to use - very impressive and would definitely recommend to others. Australia
5.0 Excellent, fast. Thank you Australia
5.0 Fast efficient reliable easy Australia
5.0 Easy, friendly and fast. Australia
5.0 Fast and easy and very friendly to deal with Australia
5.0 Fast and easy.
Lower interest rate would be better.
Australia
5.0 Super fast online service! A new era in banking Australia
5.0 Great. Simple and easy to follow Australia
5.0 Very fast and efficient, thank you Australia
5.0 It was simple and quick Australia
5.0 simple, easy.. affordable. Australia
5.0 Super fast applying no fuss and about. Whatever they can offer is acceptable for me. Recommended. Australia
5.0 Fast and efficient Australia
5.0 Always fast. Alweays reasonable. Australia
5.0 Really easy. So simple and communication and support is fantastic through the whole process. Australia
5.0 Incredibly fast service. Just superb. Australia
5.0 Very user friendly and fast Australia
5.0 Fast, easy and very fair 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 3. Get your money

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

Step 2. Get your loan terms

We’ll give you a travel loan terms including your interest rate, loan limit, and regular repayment amounts.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee
$0

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99%¹ (comparison rate 7.79%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

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

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.

online v8
100% ONLINE – 24/7

Your online loan application can be completed in minutes.

stress free v5
NO EARLY REPAYMENT FEES

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

personalised rates v8
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 loans 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?

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

Loans for almost every need

Harmoney has a loan for almost any purpose. Here are some of our most popular.

unsecured car v3
CAR LOAN

An online car loan with Harmoney gives you the quick cash you need to buy that new or used car, van or other vehicle upfront.

Find out more

debt free v5
CONSOLIDATE DEBTS

Are you struggling to keep up with debt repayments? Debt consolidation can make things easier by combining multiple debts into one.

Find out more

make memories v2
HOLIDAY LOAN

You don’t have to put off your next getaway when you borrow the money you need for flights, hotels, activities and other travel costs.

Find out more

personalised rates v8
EDUCATION COSTS

Get the money you need to pay for books, equipment, accommodation and other education costs. Find out more about study expenses loans.

Find out more

start now
RENOVATION LOAN

Harmoney home improvement loans give you the finance you need to make the changes you want to your property, for comfort or profit.

Find out more

simplify v9
BUSINESS LOAN

An online business loan from Harmoney can help with startup costs, cashflow problems or investments in growing your small business.

Find out more

wedding prepare
WEDDING LOAN

A wedding loan can give you the money you need to put those extra touches on your celebrations and make your special day one to remember.

Find out more

stress less v3
MEDICAL LOAN

Borrow money when you need it most. A medical loan can cover all costs related to health care, cosmetic surgery or other expenses.

Find out more

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.

Customer service m wide min v3