Travel Finance. Fund Your Trip with a Fixed Personal Loan.
A travel loan gives you a fixed budget and predictable repayments, so you can plan your trip without uncertainty. Borrow only what you can comfortably repay. We compare travel lenders to find the right rate.
Travel loans from 5.95% p.a. Comparison rate 5.95% p.a.*
Fixed rates available. Same day pre-approval possible.
Travel Loan vs Credit Card
Broker vs bank,
a real comparison
Fixed rate, not revolving
A personal loan has a defined rate and term. Credit card interest compounds without a repayment deadline.
Clear repayment plan
You know exactly what you'll repay and when. No minimum payment traps or revolving balances.
Rate comparison upfront
We compare travel lenders before you commit. You see the total cost before agreeing to the loan.
Pre-approval before you book
Get pre-approved before finalising bookings so your budget is confirmed.
The process
How Travel Finance Works
Tell us your travel budget
Share your planned trip cost and your financial situation.
We compare lenders
We search personal lenders for travel loan options suited to your profile.
Review your options
We present options with rates and repayments explained clearly, no jargon.
Book with confidence
Once approved, funds are disbursed and you can book your trip.
Travel finance, explained plainly.
Step 1 of 5
Understand travel finance
Travel finance is a personal loan taken for a trip, advanced as a lump sum and repaid in fixed instalments over an agreed term.
A fixed term means the trip is paid off by a known date, which is the clearest difference between this and putting a holiday on a credit card.
It is regulated consumer credit, so the lender must be satisfied the repayments genuinely fit alongside your other commitments.
Why choose travel finance
Booking early is usually what makes a trip affordable, and having funds available is what lets you take an early fare rather than a late one.
A defined repayment schedule also means you know the date the trip is paid off.
Knowing the full cost before you go removes the part of travel most people find stressful, which is not knowing what it added up to until afterwards.
Deciding if travel finance fits
It suits a trip with a known cost that you have decided to take, rather than a way of deciding whether you can afford one.
Borrow for the trip itself rather than for spending money, since day-to-day costs abroad are better managed from what you already have.
If the trip is some way off, saving toward it will always cost less than borrowing for it, and that is worth weighing honestly.
How to apply for travel finance
Have identification, income evidence and a realistic total for the trip ready before you apply.
Your broker compares lenders in one enquiry and matches your profile to the lenders most likely to approve on solid terms.
Pre-approval on a standard application is possible the same day, which matters when a fare is time limited.
Tips for travel finance
Add up the whole trip before deciding an amount, including transfers, insurance and the days either side that nobody budgets for.
Keep the term shorter than the memory of the holiday. A trip still being paid for years later stops feeling like a good decision.
Arrange travel insurance separately and early rather than treating it as an optional extra to be sorted at the airport.
Travel finance at a glance
- A fixed-term personal loan for a trip, repaid by a known date
- Regulated consumer credit, so the repayments must be shown to fit your budget
- Best suited to a trip with a known total rather than open-ended spending
- Pre-approval matters most when a fare is time limited
- One enquiry compares lenders across the panel
Travel Finance for Australian Travellers
Putting a significant trip on a credit card is expensive. A personal travel loan offers a fixed rate and a clear repayment schedule from day one.
Get my quoteA Panel of Lenders
We compare personal finance lenders across our full panel to find the right rate and structure for your situation.
Same Day Pre-Approval Possible
Know what you qualify for before you commit to a purchase or expense.
Secured and Unsecured Options
We match the loan type to your situation, whether you have an asset to use as security or prefer an unsecured structure.
Debt Consolidation Specialists
We arrange consolidation structures that combine multiple debts into a single repayment.
Honest Rate Comparison
We present rates from multiple lenders side by side so you can see the full picture before committing.
No obligation to proceed
Review your options with no pressure. You're not committed until you choose to proceed.
Personal Loan Repayment Calculator
Estimate your repayments. Adjust the sliders to match your situation.
Monthly repayment
$456
per month
Weekly
$105
Total repayment
$16,428
Estimates only. Your actual rate depends on your profile and lender. Get a real comparison.
Get my quoteAbout the starting rate
6.00% p.a. is a starting point for estimating repayments only. It is not a quote, not an offer of finance, and not a rate available to every applicant. Your actual rate depends on the lender, the asset, the loan term, the loan amount and your circumstances. Adjust to model scenarios.
More Personal Finance Options
Same amount.
Not the same loan.
Personal lending varies by purpose, by security and by lender appetite. Your broker compares the market against the reason you are borrowing, not just the amount.
Personal Finance Guides
Written by a licensed broker for Australian borrowers.
5 guidesPersonal financeTravel, weddings, home improvements and debt consolidation.Explore personal finance
Travel Loans: What to Know Before You BorrowHow travel loans work, when borrowing for a trip is reasonable and how to structure holiday finance so the repayments end soon after the trip does.Wedding Loans: Financing the Day Without the StressHow wedding loans work in Australia, how to decide what to borrow responsibly and how to structure finance so the celebration does not follow you for years.Fixed vs Variable Personal Loans ExplainedWhat fixed and variable personal loans actually mean for your repayments, flexibility and planning, and which suits the way you intend to repay.
Debt Consolidation Loans: How They Work and When They HelpHow debt consolidation loans work, when rolling debts into one actually improves your position, and the situations where consolidation makes things worse.See all 5 personal finance guidesWho we help
Who Uses Travel Finance?
International Travellers
Financing a major overseas trip with a fixed loan and defined repayment plan.
Holiday Planners
Funding a family holiday or extended break without relying on a credit card.
Gap Year Travellers
Financing extended travel or working holiday arrangements before returning to employment.
Family Travellers
Covering the cost of a significant family trip with a structured repayment plan.
Honeymoon Finance
Funding a honeymoon or post-wedding travel experience with a personal loan.
Australian citizen or permanent resident
Aged 18 or older
Stable income (PAYG or self-employed)
Acceptable credit history
Ability to service the loan repayments
Travel Finance FAQs
For significant travel costs, a personal loan has a defined repayment term, which avoids the revolving balance trap. We compare both options for your specific situation.
Personal travel loans are available up to $100,000. The amount you can access depends on your income, expenses and credit history. We advise on realistic amounts before you apply.
Yes. Pre-approval gives you a confirmed budget before you finalise flights, accommodation or tour bookings.
Funds can be sent the same day as final approval, though it can take up to 48 hours for the money to clear into your account. We advise on the expected timeline for your application.
Many personal loans allow early repayment. Some charge a break fee. We advise on the early repayment terms of any loan we recommend.
Rates start from 5.95% p.a. (comparison rate 5.95% p.a.)*. Rates depend on your credit profile and whether the loan is secured or unsecured. We compare across the market and present the options that suit your situation.