Compare travel personal loans

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site-logos Symple Loans Personal Loan
rate from
site-logos 5.75%
over 60 months
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Earn up to 50,000 Qantas Points with a more rewarding personal loan from Symple

site-logos Harmoney Unsecured Personal Loan
rate from
site-logos 5.35%
over 60 months
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Borrow up to $50,000 with personalised rates and repay over 3 or 5 years loan terms.

*WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 5 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Low rate travel loans

Get a low rate loan for that much awaited holiday which will help you pay for your accommodation, travel expenses, sightseeing and more!

Holiday without breaking the bank

If you feel like you have been planning for a holiday for months but are nowhere near the amount you need, or need that financial boost to make your honeymoon possible? We’ve got you covered. At Savvy we make going on holiday possible with financing that is tailor-made to suit your needs to walk the streets of your holiday destination or relax on picturesque beaches. Our competitive rate loans which come with flexible repayments makes it easier for you to be more present without worrying about how you will pay off holiday debt.

Personalised rates

According to ASIC, more than 53% of Australians open a savings account to help pay off a holiday. But life happens, and it soon becomes a deferred dream that might never happen. Our years of experience has allowed us to offer loans that are designed to suit each person’s financial needs. Savvy offers finance options that are budget friendly to take care of all expenses ranging from accommodation, travel expenses, and more for a full packaged experience.

Travel loans – what are they and how do they work?

Travel loans fall under the umbrella of personal loans and function in the same way as most others. Most travel loans will be unsecured personal loans with a fixed interest rate designed for use towards a holiday or general travel.

Generally, lenders will offer potential borrowers an amount between $2,000 and $50,000 and provide the option to pay it back over a term of one year all the way up to seven. These elements, as well as other policies, will be determined by the lender, so they may vary between each different lender depending on the type of loan you receive and your own financial history. 

This presents borrowers with a golden opportunity to compare lenders through whatever aspect of the loan they find the most important. We pride ourselves on comparing loans where they matter to you, so you can look at different lenders’ deals in our rate table. 

How can I effectively compare travel loans?

Fortunately, travel loan seekers are afforded a wealth of options when it comes to how they may choose to compare between different loans. We’ve listed some of the key areas that you should consider below:

The type of loan

There are four main options when it comes to the types of loans you can go with for your travel needs. Term loans are the most common form of loan in the travel area. These align with the examples mentioned above, ostensibly functioning as an unsecured, fixed-rate personal loan. A line of credit can be another sensible option if you’re looking for travel financing options, which is a pre-defined amount of money like a personal loan but able to be drawn upon whenever the borrower needs it. Credit cards and short-term loans can work for smaller travel loan needs but are not advisable for amounts beyond what you’d be able to pay back within a month due to their extremely high interest rates. 

The length of the loan 

The time over which your loan spans will go a long way to dictating the amount you’ll pay for each instalment; basically, the longer the loan, the less money you’ll pay. Personal loans tend to cap their loan terms at seven years, with a minimum of one year, but this may differ slightly between lenders. It is also important to note that the longer the loan, the more interest and fees you’ll accrue, so shorter loans may be the way to go if you’re looking to avoid that.  

Interest and other fees 

Interest rates are easy to compare between lenders, but it’s also important to note how much each different personal loan will set you back in terms of fees. Lenders will have different policies when it comes to the exact amount they’ll charge, but application, instalment, annual, early and late repayment and early termination will all typically come with a cost. Some lenders may not charge for all of these, particularly early or additional repayment fees, so you should check with lenders in advance to find out their policies. 

Any other bonuses involved 

You may find that some loans will build in some extra sweeteners to draw you towards them, which might be worth considering. An example of this could be discounts on certain aspects of the holiday or insurance. It may not end up deciding which loan you choose to go with, but it can certainly influence it. 

See how we can help you with your travel loan

We compare our suite of top lenders to help you finance flights, sightseeing expenses and more for a full packaged experience

Top tips for planning your dream holiday

Here’s how you can maximise what you get out of your travel loan and more to ensure a positive holiday experience

Common questions on travel loans answered

Get the answers to your questions on how to finance your holiday the right way
Can I use a travel loans for a holiday within Australia?

Yes. Our loans can cover both local and abroad holidays that you wish to take.

Can I get a co-signer to sign the loan with me?

Yes. This can especially work if you need access to a large amount, but your credit score is not strong enough to access this amount.

Can I get a loan to cover accommodation costs?

Yes. We broker loans that will help take care of accommodation costs tailor-made to suit your needs.

Can I get financing for any destination I would like to travel to abroad?

Yes. No matter what location you choose to jet off to and relax in we will finance it.

How much will my repayments be?

This will depend on how much you want to borrow and for how long. However, you can use our online calculator to find out how much you will be paying in monthly repayments.

How often can I make my repayments?

We offer flexible repayment plans that allow you to make payments weekly, fortnightly or monthly.

Will I be able to access financing even if I have bad credit?

Yes. We offer loans to people who have bad credit.

Will I be able to get financing even though I haven’t set a destination?

Yes. We can approve your loan despite you having settled on a destination you would like to visit.

Pros and cons of travel loans

Take a look at our table below if you’re looking to analyse some of the pros and cons of travel loans


Making your dream a reality 

If you’re not quite at the point with your finances where you can travel on your own funds, a travel loan can unlock the potential for you to go on that holiday you’ve always wanted 

Quicker application process

In comparison to larger financial undertakings, the process for applying for a travel loan is much quicker and easier 


Greater outlay on your holiday

While loans are very useful for making funds available to you up front, the interest rates and fees that they contain will ensure your overall spend is greater than what you received 

Tough early repayment fees

Some lenders may charge excessive fees for making early or additional repayments, so try to go with one that doesn’t slug you if you want that flexibility 

Your helpful guides on financing a holiday

Finance your holiday better and kick debt to the curb with our helpful guides

Plan a cost-effective holiday

A personal loan is a good financial boost that can be used to pay off holiday costs. However, you could end up paying more for your holiday than you should without a budget in place. Having a holiday destination in place already gives you the advantage of being able to plan around costs such as accommodation and travel costs so that you can apply for an adequate amount when applying for a loan. Saving on the side can help you budget for food and spending money which lowers costs.

Travel deals & discounts

There are a few things that you can do to minimise the cost of going on holiday. Researching for the best travel deals and discounts on things such as accommodation, meals, rental cars and more to work with your budget. There are some credit cards that come with rewards and frequent flyer points that can be used to make your travel economical. Checking to see how you can best utilise your points and rewards can be a saving grace, especially if there is more than one person going on the trip.

Do you have the right credit card?

The type of credit card that you are planning to use abroad can affect your overall bill. Always keep in mind how your cards interest rate will affect your monthly repayments on your credit card. If you are swiping abroad with an ordinary card you can attract a 3% foreign transaction fee which can dampen anyone’s holiday mood. Using a 0% foreign transaction credit card can be useful as it charges no foreign transaction fee and converts to other currencies with no additional costs.

Travel insurance

Having travel insurance will not only give you peace of mind, but it will also protect you when you need it the most. Australians choose different ways to insure themselves, which can be through an insurer or using their credit card for travel insurance. However, before you jet set to your destination it is important that you check what your insurance does and doesn’t cover. Some travel insurance policies only cover you once you have left Australian soil and cannot be used locally.