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 $500 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.
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 5 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, the 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.
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%
Some or all of the following fees are payable at loan commencement, these may be added to the amount you borrow:
|
Fee |
Description |
Cost |
|
Loan establishment fee |
A one-off set up fee for your loan |
From $100 to $220, depending on the amount of money borrowed |
|
ID Verification processing fee |
A per verification charge through a 3rd party |
$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) |
Default or other fees that can arise during the course of a loan are shown in our full fee schedule.
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.
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.
While personal loans and holiday loans are similar in many ways, there are a few key differences to note.
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.
