Travel Loans
Are you looking for a travel loan? Secure one in 3 simple steps!
- Travel loans up to $5,000
- Fast Online Application & approval
- Flexible repayment options
- If approved – receive funds the same day!
Have you been picturing yourself lounging on a beach chair in the sun, cocktail in one hand, book in the other? If so, you don’t necessarily need to wait until you save enough cash for your getaway, instead apply for a travel loan with us and head straight off on your holiday.
Our travel loans are designed to finance holidays. Whether you’re looking for snow, island or mountain adventure – our travel loans can, quite literally, help get you there. Our travel loans can be used for anything travel-related, like airline tickets, hotels, travel accessories, tours and luggage. We offer loans across Australia – including Brisbane, Sydney, Melbourne, Perth and Adelaide.
At City Finance, our travel loans are unsecured personal loans, so you won’t need collateral or security when applying. These loans will be a cash deposit in your bank, and you can spend the money on your travel choices accordingly.
If you’ve been dreaming of a holiday and want to head off stat, we can help. Our personal loan application is quick, and our travel loans are approved quickly, too. So, you won’t need to wait around for days or weeks while your application is processed.
In fact, the whole process is as easy as 1 (online application), 2 (confirmation), 3 (money funded).
Here’s a quick rundown on how you can get fully funded in a short amount of time with minimal hassle.
ONLINE APPLICATION
To apply for a loan with City Finance, simply fill in our online application form here. It’s quick and easy, you’ll just need to select how much you’d like to borrow, your preferred repayment term, provide some personal details, and verify your identity.
CONFIRMATION
Most customers receive a response within a couple of business hours of applying. In some cases, our team may get in touch to request additional information to finalise your loan.
FUNDING
Once your loan is approved and the contract is signed, most customers receive their funds within minutes, so you can get on with what matters sooner. Repayments will be made weekly, fortnightly or monthly, depending on your selected plan.
What Are Travel Loans?
Travel loans, similar to payday loans, are unsecured loans that cover the costs of anything related to your next holiday. Our travel loans can range from as little as $500 up to $5000 and the balance can be paid off within 52 weeks. Why wait to head off on your next getaway? Secure a travel loan with us and get booking your next travel adventure.
Am I Eligible for a Travel Loan?
Are you 21 or over and have freedom on your mind but don’t have enough money for your dream holiday? If so then you’re probably eligible for a personal loan with us. Aside from being of age and yearning for a trip, we’ll also need applicants to have some form of income (this can be salary from work or government benefits like Centrelink), ID and some supporting bank statements.
Unlike most lenders, we consider funding loans to the following:
What Supporting Documents and Information Do We Need to Process Your Travel Loan Application?
At City Finance the process of applying for a personal loan is simple. We don’t need a bunch of different documents, all we require is the following:
- A copy of your ID
- A short application form with details such as your address and phone number
- 90-day history of bank transactions
- Proof of income (Eg a payslip or Centrelink income statement)
Been approved for a loan with us before? You may be eligible to apply for a loan without a credit check.
How City Finance Helps Borrowers Seeking Personal Loans for Travel
We’re a trusted lender
We’ve been in the business of lending money to thousands of Aussies for over twenty years. We are a leading lender in Australia and have impeccable reviews as proof. At City Finance you can also be sure you won’t be hit with any unexpected fees and charges. We set out our interest rates, fees, charges and comparison rate before you sign the unsecured personal loan contract so that everything is explained clearly. Plus, we don’t charge early repayment fees if you find yourself in a situation where you can pay your personal loan off early. Learn more about our bad credit loans.
We work quickly
We know that many loans can be time-consuming and frustrating. Ours aren’t. We pride ourselves on our quick application and approval process. Our application process takes just a few minutes, and as soon as the application is submitted, our team works quickly to access and approve it. In fact, many customers receive the money in their bank on the same day that they apply for the loan.
We offer hassle free fortnightly or monthly repayments
As soon as your loan is approved, you can head off on your travels! While enjoying your time away, the last thing you’re going to want to worry about is remembering your loan repayment date and transferring the money over for your loan repayments. That’s why we’ve implemented a hassle free repayment scheme. On your agreed loan repayment date (whether it’s fortnightly or monthly repayments), we’ll arrange for the amount to be deducted from your bank account – so that the hassle is removed.
We’re inclusive about who we lend to
Many personal loans have a bunch of stringent lending criteria and terms that a borrower must meet in order to be approved. We are very flexible about who we lend to. Even if you have bad credit, no credit score, have poor financial circumstances, are unemployed or are newly self-employed, we can probably still lend to you. Our experienced team will assess your specific circumstances and personal objectives to decide what loan is best for you.
We have flexible loan terms
We have the ability to adjust each of our loans so that they can suit our applicant’s situation perfectly. We offer loan amounts between $500 and $5000, and loan lengths of as little as 12 weeks to 52 weeks. We can also arrange for the loan repayments to be debited weekly, fortnightly or monthly.
We are understanding
We understand that life happens, and situations arise where a customer may not be able to meet the repayment of their personal loan on the due date. If this happens, the customer can get in contact with our friendly team who will work together with them to sort out a contingency plan that they can comfortably meet.
What can I use a travel loan for?
Airline tickets
Always dreamt of flying business class or first class but have never had enough funds to do so? Our travel loan can help you realise your dream. Regardless of the class, you’re travelling to, airline tickets normally take up a healthy chunk of your travel budget. Secure a personal loan with us and make your next holiday a reality but locking in some airline tickets.
Luggage
From simple spinner suitcases to hardcovered bags and tech-enabled suitcases with charging capabilities, there is a range of travel options for your next holiday. Plus, if you’re heading to the snow or to surf, you may need a bag for your snowboard or surfboard. If you’re looking for some extra funds to cover the cost of luggage, our unsecured loans can help.
Tours
Are you the kind of person that likes to lie by the pool all holiday, or do you prefer to head off on an exciting adventure and really experience your destination? If it’s the latter, then our personal loans can help cover the cost of a tour. After all, what’s really the point of heading off to an exciting new country and if don’t have enough money to really enjoy yourself?
Hotel
Nightly rates at a hotel can add up substantially, especially if you’re planning on spending it living the lap of luxury in a five-star hotel. Don’t scrimp on accommodation, enjoy your holiday to its full potential by using our personal loan to afford the cost of staying somewhere nice.
Travel accessories
A go pro, blue tooth headphones and power banks are all little travel luxuries that will make your holiday more enjoyable. Plus, if you’re headed on a surf trip you may need a new surfboard or wetsuit and similarly so for a ski trip; new skis and snow gear. However, all of these items can cost a pretty penny and may blow your travel budget. If so, secure a travel loan with us and get packing (or shopping)!
Travel insurance
The saying goes, ‘if you can’t afford travel insurance, you can’t afford to travel’. While we agree that travel insurance is extremely important on a holiday, this sentiment isn’t technically true. If you can’t afford travel insurance, you can instead take out a personal loan with us and lock in your travel insurance that way.
Flexible Travel Loans Tailored to Your Adventure
Planning the perfect getaway often means juggling multiple expenses, from flights and accommodation to tours and insurance. Our travel loans Australia service helps you bundle these costs into one easy-to-manage loan. Whether it’s a weekend city break, a month‑long backpacking trip or a family cruise, a travel loan can cover everything travel‑related so you don’t have to delay your plans.
How Our Holiday Loans Work
- Personalised Assessment: We consider your current income and financial commitments when approving your travel loan.
- Customised Repayment: Choose weekly, fortnightly or monthly repayments that align with your pay or benefit cycle.
- Transparent Fees: All fees and interest rates, including travel loans with bad credit, are clearly disclosed in your contract; no surprises, ever.
Ready to Fund Your Next Adventure?
Embark on your dream holiday today with City Finance’s travel loan solutions. Apply online in minutes, tailor a repayment plan to suit your budget, and secure funds, often the same day. Make your next journey unforgettable with flexible, transparent travel loans in Australia designed for every traveller.
FAQs
What credit score do I need for a travel loan?
City Finance reviews your credit report as part of our responsible lending process. While a stronger credit score can improve your approval odds, we focus on your repayment capacity, so you can get travel loans for bad credit too.
Can pensioners or Centrelink recipients apply?
Yes. If you receive a steady income from pension or Centrelink benefits, you’re eligible for a travel loan, just provide proof of income and 90 days of bank statements.
How quickly will I receive funds?
Most applicants get approval within a couple of business hours and funds can arrive within minutes of signing the loan contract, so you can book your trip without delay.
Are there early repayment fees?
No. Paying off your travel loan early reduces your total interest cost and comes with zero penalties.
Can I use a travel loan to cover visa or immunisation costs?
Absolutely. Any upfront trip‑related expense qualifies under our holiday loans Australia offers.
Am I covered if I need to cancel my trip?
If you have booked travel insurance with your travel loan, you’ll be covered under the insurer’s policy terms. City Finance does not provide travel insurance directly.
