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Need a break from work? Planning a trip to see family? Or just need to getaway?

Holidays should be all about fun, family and friends, so if some extra cash could get you where you need to go with ease, or even just take your trip to the next level, then apply today and get planning the holiday you deserve. 

You can even personalise your travel loan for exactly how much you need and tailor the repayments too. Have a play with our loan calculator below and get planning!

Why Choose Instant Finance

Apply in just minutes

Personalised interest rates from 9.95%

Money in your account within 24 hours

25 Locations across the country & online everywhere

Fast online application
Same day response
Money in your account within 24 hours of approval
Personalised rates

Our customers say the nicest things!

"Excellent help – friendly staff. Always willing to do what they can."
Sheryl, Dunedin
"Excellent customer services skills – friendly. They take a personal interest in the customer; they are quick to help"
Lynette, Waterview, Auckland
"Super friendly staff kept things nice and simple. I absolutely loved the homeware and furniture options available to add to my loan. Very helpful."
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"Just the best people to deal with!"
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"Service is efficient and sufficient. Very helpful, thank you."
Ken, Warkworth
"I feel I am treated professionally and respectfully by all personnel at Instant Finance and they are always very friendly and helpful to me"
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"Excellent customer service, Kuini and staff at Onehunga are thoughtful and really listened to us. The process was thorough, and we really felt we were listened to."
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"Linwood Instant Finance has great people, customer service and are lovely and kind to talk to. Recommend these guys to everyone"
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FAQs

Can you borrow money to travel?

Yes, you certainly can borrow money to travel! At Instant Finance we offer personal loans specifically designed for travel. These can help cover costs like flights, accommodation, and other travel expenses. Secure your holiday today with a personalised Instant Finance Travel Loan.


What is the Difference Between a Personal Loan and a Holiday Loan?

While personal loans and holiday loans are similar in many ways, there are a few key differences to note.

  1. Use of funds: A personal loan can be used for any purpose, while a holiday loan is specifically for holiday expenses.
  2. Loan amounts: Personal loans usually allow for larger loan amounts than holiday loans.
  3. Repayment terms: Personal loans typically have longer repayment terms, while holiday loans are usually repaid within a year.

 

Travel Loan or Use Savings?

If spending your savings would leave you with no emergency funds or they are insufficient for your dream vacation, a travel loan becomes a feasible choice. It enables you to pay for your holiday over a period of time, making even the priciest trips affordable.

Always remember that you should thoroughly weigh the pros and cons before coming to a decision. When you're ready, reach out and we will help you go on vacation with our travel loan.

 

 

 

 

Loan terms

Our minimum loan term is 3 months, and our maximum loan period is typically 7 years.

Interest rates

Instant Finance provides loans at an annual interest rate from 9.95% to 29.95% per annum.
The rate that applies to your loan will be based on a range of factors including your circumstances, credit history with us or others, the security you can provide and the loan amount.

Once set, the interest rate is fixed for the term of your loan.

Default interest rate

If you get behind in your loan repayments, then we may charge a default interest rate on any overdue loan payments, while they are unpaid.

For our Personal Loan Product, the Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan.

For our Consumer Loan Product, the Default rate that we charge is 10% per annum.

On this basis the maximum annual interest rate charged would be 39.95%

Loan fees

Some or all of the following fees are payable at loan commencement, these may be added to the amount you borrow:
Loan establishment fee
A one-off set up fee for your loan.

From $100 to $220 depending on amount of new money borrowed.

Digital ID Verification Fee
A per verification charge through a 3rd party where we meet face to face

$2.55 per person

Digital & Biometric ID Verification Fee
A per verification charge through a 3rd party where the loan is transacted remotely.

$7.70 per person

Security Registration fees
For secured loans where we register an interest in Personal Property items provided as security

$8.05

Administration Fee
A fee payable on each instalment due date of your loan

$3 (per instalment)

Credit and Default fees
Default or other fees that can arise during the course of a loan are shown in our full fee schedule.

Loan Example:

The amount repayable of your loan is made up of your interest rate, plus fees. For example, if borrowing $10,000 repayable over 3 years at an interest rate of 29.95% you would be required to make 156 weekly instalments of $102.54. This repayment is made up of interest, an establishment fee of $220, an ID verification fee of $7.70 and an administration fee of $3.00 per instalment.
Total interest would be $5,300.54 with total fees of $695.7 making the total payable over the full term $15,996.24.