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!
Whether it's holiday travel or emergency travel, an Instant Finance personal loan is just the ticket.
With cash loans for between $200 and $50,000 at your fingertips, we can get you on your way without financial pressure. Find out just how far you can go with a travel loan using our loan calculator.
You can continue an application you started previously.
Continue my applicationIncludes Establishment fee from $100 to $270 depending on amount of new money borrowed and Administration fee of $3 per instalment. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.
Rates & FeesIncludes Establishment fee from $100 to $270 depending on amount of new money borrowed and Administration fee of $3 per instalment. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.
Rates & Fees
Experience culture, fine foods and adventure in beautiful Sydney. Spend your days relaxing on Australia’s famous white sand beaches, Bondi and Manly, then drive just a few kilometres to the hustle and bustle of the city, for a night on the town. Visit the Opera house, beautiful museums and galleries, or opt for a nature walk and surf lessons. A budget of $6,500 will set you and the family up for a week of fun, sorting accommodation, flights and activities. The city is your oyster!
Do you have a thirst for fine art, exquisite dining and bustling city streets? Look no further than Melbourne, with rooftop cocktail bars, hidden laneways, and world-class cuisine – it’s the perfect romantic getaway. There’s always something on and you’ll never run out of new places to explore. With a budget of $2,500 you can whisk your partner away for a romantic long weekend and take on everything Melbourne has to offer!
We can't think of anything better than a getaway to the sunshine state. Head over to Brisbane, the sun-soaked capital of Queensland. Whether you’re wanting a relaxing vacay on the beach or a fast-paced adventure in the city, Brisbane has it all. A budget of $5,800 would fund flights, accommodation, and activities for a week of family fun in the sun! What are you waiting for?
Planning a Winter escape to the South Island? Whether it's playing in the snow or soaking in the hot pools of Hanmer, the South Island is picturesque and home to some of the best experiences in the world. A budget of $4,000 would fund flights, accommodation, activities and of course some R'nR for a week of family fun!
Rotorua was coined the adventure capital of NZ for good reason! Experience the best thrills NZ has to offer with a skydive, bungy and zorb, explore the volcanic wonders and then eat your heart out at the famous Eat Street. A budget of $2,000 would let you run wild for a long weekend of adventures.
If relaxing at beautiful beaches, exploring native bush or catching the fish of your life is right up your alley for an escape, then the Bay of Islands is for you! From picturesque beaches, hikes in the wilderness and exploring Northland by boat, there's plenty to fill a week of bliss. The only question is will you fly or drive?
With our easy loan application process, you can apply for a loan without leaving the couch! Make sure you have valid photo ID, proof of income and proof of address on hand to make the process smooth too.
We'll get in touch with your official quote including your personalised interest rate and repayment terms. These will be influenced by your credit history and past debt.
Once you accept the loan, you'll have the cash in your account within 24 hours, so you can get back on with life.
Our minimum loan term is 3 months, and our maximum loan period is typically 3 years.
Instant Finance provides loans at an annual interest rate from 12.95% 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, our interest rate is fixed for the term of your loan.
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. The Default rate that we charge is 10% per annum above the Interest Rate that normally applies to your loan.
On this basis the maximum annual interest rate charged would be 39.95%
We have various fees attributed to your loan which are added to your loan repayments.
|
Fee |
Description |
Cost |
|
Loan establishment fee |
A one-off set up fee for your loan. |
From $100 to $270 depending on amount of new money borrowed |
|
Administration fee |
A fee per instalment paid. |
$3 (per instalment) |
|
Variation fee |
A one-off fee charged if your loan terms are changed. |
$50 |
|
Full repayment fee |
A one-off fee if you pay off your loan in full before the final payment is due. |
$25 + any calculated loss. |
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 $102.96. This repayment is made up of interest, an establishment fee of $270 and an administration fee of $3.00 per instalment.
Total interest would be $5,323.76 with total fees of $738 making the total payable over the full term $16,061.76.
