Any personal loans for holidays you secure through Handy Finance will have repayments. These repayments can be spread over a term of 1 to 7 years, depending on the loan amount and your chosen repayment schedule. Shorter terms result in higher repayments but a quicker payoff, while longer terms lower your regular payments.
Holiday and Travel Loans
Dream vacation? Make it happen today
Turn your travel plans into reality with flexible loans. Plan your getaway now and pay it off over time.
Interest rate from
6.57
%
p.a.*
Comparison rate
7.51
%
p.a.*
Generally at least half of our approved customers will receive the representative rate or lower.
Representative rate:
9.99% p.a.*
Representative Comparison rate:
11.94% p.a.*
Enjoy freedom with simple holiday and travel loans
Handy Finance offers flexible holiday loan terms with easy repayments that make jetting off on your next adventure a breeze.
Loan Amounts
$2,001 - $75,000
No Monthly Fees
$0
No Early Repayment Fees
$0
Flexible Loan Terms
1 - 7 years
The process
3 quick and easy steps to securing your loan
Step 1
Get a free quote
Obtain an indicative quote in minutes, without impacting your credit score!
Step 2
Apply in Minutes
If you're happy with your quote, you can finalise the application online in minutes.
Step 3
Get Your Funds
You can get an indicative decision in minutes. Once approved, funds can be settled within 24 hours.
Apply
A quote won't impact your credit score
Loan Calculator
Holiday and travel loans calculator
Estimate how your loan repayments could look so that you can get cracking on the holiday planning.
I'd like to borrow
$30,000
Over a period of
4 years
With repayments every
Week
Fortnight
Month
Estimated weekly repayments from
$
including interest and fees
Apply now
Total estimated interest and fees payable --
Loan amount --
Total estimated interest and fees --
Principal plus interest and fees --
A quote won’t impact your credit score
Loan amount --
Total estimated interest and fees --
Principal plus interest and fees --
A quote won’t impact your credit score
Interest rate from
6.57 % p.a*
Comparison rate
7.51 % p.a*
Interest rate from
6.57
%
p.a.*
Comparison rate
7.51
%
p.a.*
The interest rate and repayment amount are estimates only, based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Explore the world
Have a fun family retreat
Easy financing for travel
Plan the ultimate overseas trip
A loan for the ultimate adventure
Handy Finance holiday and travel loans can let you explore the globe on your terms, whether you’re traveling solo or with loved ones.
Get started(Opens in a new tab)
A quote won’t impact your credit score
Taking the stress out of finance
Read what our happy customers are saying about us
The efficiency is next level
The speed, accuracy and efficiency of this company is second to none. I worked in lending for 8 years and never have I seen such a delicate and real time experience. Congratulations, you guys have an amazing product
Customer service AMAZING
The whole process from start to finish was made easy by the help from every team member is spoke with, Syeda explained everything so that I could understand and again very helpful
Quick and Easy
Quick and easy, completed the application online last night and first thing this morning I have a call to go over the application and documents with me in minutes. Great service! Fast and efficient
Handy Guide
Explore fast and secure travel loans
Plan your dream holiday with Handy Finance Travel Loans. Our quick and simple loan process means you can access the funds you need – from $2,001 to $75,000 – to secure flights, accommodation, and other travel essentials, helping make your ideal getaway a reality.
Frequently asked questions
Need help with something? Here are our most frequently asked questions.
Travel loan application and eligibility
Can I get a travel loan for any destination I want?
It doesn’t matter if you’re planning an overseas holiday or trip closer to home: our financing is flexible and available to support you in travelling to your destination of choice. Choosing the perfect destination is an exciting part of your travel journey, and our travel loans are here to support you every step of the way.
Can I apply for financing even if I haven’t chosen a destination?
Absolutely! You don’t need to have a specific destination in mind to apply for a travel loan. We understand that planning a trip involves many moving parts – and sometimes, the best part about being on holiday is leaving room for spontaneous decisions and last-minute experiences! You can still apply for a Handy Finance Travel Loan without specifying a final destination or itinerary. Whether you’re drawn to sandy beaches, historic cities, or majestic mountains, our personal loans for travel can make your journey as smooth and enjoyable as possible.
What can I use my travel loan for?
Travel loans can cover all parts of your holiday, which means there is a wide range of holiday-related expenses that fall within the terms of this particular personal loan. You can spend the money on
- International and domestic holidays
- Family holidays, solo holidays or honeymoons
- Flights, tours and cruises
- Package holidays
- Accommodation
- Travel insurance
- Travel accessories (think suitcases, backpacks, or other specialised equipment)
Handy Finance Travel Loans can be used for a range of different holidays – local mini-breaks, overseas adventures or even a driving holiday. If you are thinking of making your next holiday an epic road trip close to home, we offer tailored caravan loans, too.
Can I get a co-borrower to sign the loan with me?
You can! A co-borrower can be a family member or loved one who shares responsibility for the travel loan. Having a co-borrower can strengthen your loan application by combining creditworthiness and resources.
Travel loan terms and repayments
How much will my repayments be?
Your travel loan repayments are based on a few key factors, including the total loan amount, your loan term, chosen repayment frequency (weekly, fortnightly, or monthly), and the interest rate. This helps make your repayments clear and manageable throughout your loan.
How often can I make my repayments?
Handy Finance Travel Loans are flexible, giving you the option to make repayments weekly, fortnightly, or monthly. You can choose a schedule that best fits your income and budgeting needs.
How do repayments work?
For Handy Finance Travel Loans, repayments will be set regularly over the loan term. These repayments cover the principal loan amount and any interest and fees. All travel loans from Handy Finance are fixed, so you will have a set sum that you are required to pay each time, allowing you to budget accordingly. You can choose to repay in monthly, fortnightly or weekly instalments.
How much money can I borrow?
Our Handy Finance Travel Loans help you cover travel-related expenses, both big and small. You can apply to borrow anywhere from $2,001 to $75,000, giving you the flexibility of choosing a sum that helps bring your dream holiday to life but is also comfortable to pay off in instalments.
Can I get a loan to cover only accommodation costs?
Yes – travel loans from Handy Finance can be used just for your holiday accommodation costs.
Financial terms and rates
How do you offer lower rates than traditional lenders?
Traditional bank lenders tend to have higher operating costs, which can result in higher rates. Handy Finance aims to keep rates low by keeping operating costs down to make finances less daunting and allow people to live life to the fullest.
What does a fixed-rate loan mean?
A fixed-rate loan means that your interest rate will remain the same throughout your loan term. Fixed-rate loans are completely transparent from day one – because the rate doesn’t change, you know exactly how much you will be repaying and how often for the entirety of your loan. Handy Finance only offers fixed-rate travel loans.
What will my interest rate look like?
Handy Finance aims to ensure borrowers with a good credit history are rewarded with better rates. Handy Finance’s travel loan interest rates are based on your personal credit history and evaluation against our credit scorecard. You can receive an indicative rate estimate in just a few minutes via our online application form. Any estimates provided do not constitute an offer or approval of finance. Your repayment amount and interest rate will be provided if an application is submitted and approved.
Loan management and repayments
How do repayments for my travel loan work?
Once your travel loan has settled, repayments will begin according to the frequency you chose during the application process (weekly, fortnightly, or monthly).
Repayments for any personal loan with Handy Finance are structured to ensure the amount you borrow is fully repaid by the end of your loan term, which can range from one to seven years. The minimum repayment amount, including any interest charged, will be calculated by our team and remain fixed throughout the loan term, as all Handy Finance loans carry a fixed interest rate. A one-time establishment fee is also payable with your repayments. All scheduled repayments must be made via direct debit.
If you are experiencing financial hardship and have difficulty meeting your repayments, please contact the Handy Finance team on 1300 990 115 or [email protected]
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