Holiday and Travel Loans

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.

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 are ready to make your journey as smooth and enjoyable as possible.

Travel loans 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. 

You can! A co-borrower can be a friend, family member or loved one who shares the responsibility for the travel loan. Having a co-borrower can enhance the strength of your loan application by pooling creditworthiness and resources.

The repayment plan for your travel loan will be carefully crafted to match your financial capabilities. Handy Finance always considers a few key factors before assigning you a set repayment amount. Your final sum depends on the total loan amount, your loan terms, your nominated repayment frequency (weekly, fortnightly or monthly) and the interest rate.

Handy Finance Travel Loans are flexible – it’s all part of our commitment to offering a truly versatile and tailored product! With options that allow you to make repayments weekly, fortnightly, or monthly, you can choose a rhythm that suits your financial cycle.

Any personal loans for holidays you secure through Handy Finance will have repayments. These repayments could be spread out over a term of up to 7 years. This means you have time to pay off the loan according to what works best for you. We want to make sure that each step along the travel holiday ladder is aligned with your financial circumstances.

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.

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.

Yes – travel loans from Handy Finance can be used just for your holiday accommodation costs.

Traditional bank lenders tend to have higher operating costs, resulting in higher rates. Handy Finance keeps rates low by keeping operating costs down and remaining focused on our mission – allowing people to live life to the fullest.

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 will offer you an interest rate based on your personal credit history and situation. You can find your personalised rate in just a few minutes with our free quote. Please note that this rate is just an estimate, and it won’t affect your credit score.

Once your travel loan has settled, your personal loan repayments will begin based on the repayment frequency (monthly, fortnightly or weekly) you chose during the application process. 

Repayments for any personal loan with Handy Finance work the same way. They are structured and set so you can pay off the sum you’ve borrowed by the end of your loan term (between one and seven years). Our team will calculate the minimum repayment amount, including any interest charged on the loan. This will stay the same throughout the repayment term, as Handy Finance loans all have a fixed interest rate. There is also a one-time establishment fee to be paid along with your repayment. You must use direct debit for all scheduled repayments.

If financial hardship is making repayments difficult to meet, please contact the Handy Finance team at 1300 990 115 or [email protected]