# Harmoney Holiday Expenses — Australia

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 3 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.
- 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: 5.76% p.a. – 24.03% p.a. (fixed)
- Comparison rate: 5.76% – 24.98% p.a. (NCCP Regulation 100, $30,000 over 5 years)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $275 (loans up to and including $4,999) or $575 (loans of $5,000 and over)
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Australia Pty Ltd (ACL 474726, AFSL 474726). Dispute resolution: Australian Financial Complaints Authority, membership 43816.

Comparison rate warning: the comparison rate applies only to the example given (NCCP Regulation 100). Different amounts and terms result in different comparison rates.

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