What is a travel loan?
A travel loan is a personal loan that covers the cost of your trip, including flights, accommodation, tours, or all of the above. No need to wait years to save. A travel loan lets you go now and repay over a term that suits your budget.
We compare rates and terms across our lender panel to find the option that suits your situation. More lenders means more choice, and a better chance of finding travel finance that works for you.
What can you use a travel loan for?
From a luxury hotel in Sicily to a hostel in Paris, a travel loan can help cover:
Why choose Armstrong's Finance for your travel loan?
Flexible loan options
Our travel loans are available as both secured and unsecured, so we can find the right fit for your situation. We'll walk you through the options before you commit.
Borrow what you need
Choose a loan amount and repayment term that suits your travel budget.
Transparent pricing
No hidden fees, no nasty surprises. Everything is laid out upfront. Full fee schedule available on our Fees & Interest Rates page.
Fast approval
Apply online in minutes. If approved, funds can be in your account the same day. Subject to responsible lending criteria and lender assessment.
Simple by design
How it works
Getting a travel loan through Armstrong's Finance is straightforward. Here's how it works:
Get a quick quote
Use our online quote tool to see estimated repayments in minutes. It's obligation-free and won't affect your credit score.
Submit your application
Once you're happy with your quote, complete your application online. We'll ask for a few supporting documents, things like proof of income and ID. Our team will keep it as simple as possible.
We go to work for you
As your broker, we submit your application across our lender panel to find the most suitable match for your situation. Subject to responsible lending criteria and lender assessment, funds can be in your account the same day if approved.
Start packing
With funds in place, you're free to lock in your flights, confirm your accommodation, and start planning the trip.
Am I eligible?
To be eligible for a travel loan, you'll need to:
Frequently asked questions
Travel Loans
3 FAQsquestions
Travel Loans
3 FAQsquestions-
How much can I borrow for a holiday?
The amount you can borrow for a holiday depends on your personal situation and what the lender requires. We'll help you look at your budget and repayment options, so you can choose a loan amount that feels right for you. Our team is here to guide you every step of the way.
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Can I use a travel loan for a domestic holiday in New Zealand?
Absolutely. Travel loans are great for more than just overseas adventures. If you're heading off on a South Island road trip, relaxing in Queenstown, spending a weekend in the Coromandel, or planning any kind of holiday around New Zealand, a travel loan can help with costs like accommodation, transport, activities, and more.
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Is it better to use a travel loan or a credit card for a holiday?
It really comes down to what works best for you. With a travel loan, you get set repayments and a clear finish date, which can make it easier to plan your budget compared to a credit card. You might also find the interest rate is lower, depending on your credit history. We recommend looking at both options to see which one fits your needs. If you want to chat about what could work for your holiday, we're here to help.
Ready when you are
Apply in minutes. Know your options today.
No obligation. Just a clear picture of what's available to you.
No obligation. Just a clear picture of what's available to you.
Loan Information
Armstrong's Finance Limited (FSP1012153) is registered on the Financial Service Providers Register (FSPR) and holds a Class 2 Financial Advice Provider licence and is authorised to provide regulated financial advice services in accordance with the Financial Markets Conduct Act 2013. Armstrong's Finance Limited acts as a finance broker and does not directly provide credit. All lending is provided by third-party lenders on our lender panel.
Remuneration: Armstrong's Finance Limited is remunerated by way of commission paid by lenders. The amount of commission varies between lenders and products. Armstrong's Finance Limited may receive different commission rates from different lenders. We manage this conflict by recommending products based on your individual needs and circumstances rather than the level of commission received. Full details are set out in our Disclosure Statement, which is available on our website and on request free of charge.
Lending criteria apply. All applications are subject to credit assessment, responsible lending inquiries, and individual lender eligibility criteria in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Responsible Lending Code (revised July 2024). Interest rates range from 7.95% p.a. to 29.95% p.a. Rates are variable unless otherwise stated, are subject to change, and are based on individual credit assessment. Establishment fees vary between $0.00 and $2,500 depending on the type of loan arrangement, and are included in your loan structure and repayments.
Dispute resolution: If you have a complaint that we are unable to resolve, you may refer it to Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme. This service is free of charge. Contact details are available in our Disclosure Statement and on our Complaints page.
Financial hardship: If you are experiencing financial hardship, you may be entitled to apply for a hardship variation under the CCCFA. Please contact us as soon as possible. See our Financial Hardship page for more information.
Your personal information is collected and held in accordance with the Privacy Act 2020. Please refer to our Privacy Policy for details of how we collect, use, and store your information.