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Travel Loans

Loans from $5,000 to $100,000*
Rates from 6.45%* APR
Responsive Lending is your ultimate travel companion, working with you to compare up to 40 lenders and secure the best deal possible, so you can embark on your dream adventure with financial peace of mind*.
With us, you only apply once...we do the rest!
Getting a quote with us is cost and obligation free.
* Subject to verification, affordability & suitability
What is a Travel Loan?
A travel loan is a type of personal loan specifically designed to help you cover expenses related to travel—such as flight tickets, accommodation, tour packages, transportation, or even day‐to‐day spending money. Whether you’re planning an overseas adventure or a domestic holiday, a travel loan provides the financial support you need to make your trip a reality without emptying your savings.
These loans are typically unsecured, meaning you won’t need to provide collateral. However, interest rates and fees can vary based on factors like your credit history, loan amount, and the lender’s terms. Repayment options can often be tailored to fit your budget and travel timeline, so you can focus on enjoying your trip rather than worrying about the financial side. As part of the eligibility assessment, you may need to provide bank statements and other personal details, including your credit report.
Certain credit score may apply. Eligible customers can access benefits such as interest-free periods on purchases made with their virtual credit account, creating a sense of exclusivity and incentives to qualify for these services.
Travel Loan Costs
The costs associated with a travel loan include the interest rate, fees, and charges. The interest rate is typically fixed or variable and is expressed as a percentage per annum (p.a.). Fees may include an establishment fee, monthly fees, and late payment fees. Some lenders may also charge exit fees or early repayment fees.
It’s essential to review the loan terms and conditions carefully to understand the total cost of the loan. By being aware of these costs, you can make an informed decision and choose a travel loan that fits your budget.
Travel Loan Repayment Calculator
Use our Travel Loan Repayment Calculator to see how your caravan finance repayments might look over different terms or interest rates.
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3 Steps to Your New Travel Loan

Step 1
Use our online application form to apply for your travel loan in under 3 minutes! The application form will ask you questions like what type of vehicle you are after, where you live and what your income source(s) is.

Step 2
Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3
Once you're pre-approved, it's time to sign contracts! In 90% of cases, this can be done completely online, saving the need to print out and manually sign documents.
Travel Insurance
When taking out a travel loan, it’s essential to consider travel insurance. This insurance provides financial protection against unexpected events such as flight cancellations, medical emergencies, or lost luggage. You can purchase travel insurance separately or, in some cases, it may be bundled with certain travel packages.
While lenders generally do not require you to have travel insurance, it’s strongly recommended for safeguarding both your finances and your peace of mind. Ensuring you have the right coverage means you can enjoy your travels worry‐free, knowing you’re protected against unforeseen circumstances.
Types of Travel Loans
When it comes to funding your holiday or adventure, there are several types of travel loans to consider
Unlike credit cards, which often come with high interest rates and fees, personal loans for travel do not typically impose a cash advance fee when withdrawing cash from an ATM. Additionally, it's crucial to assess your monthly income to ensure it comfortably covers your expenses and loan repayments.
Understanding your financial obligations and using loan repayment calculators can help you determine if a travel loan is a financially sound decision.
By understanding the different types of travel loans, you can choose the one that best aligns with your budget and holiday objectives.
Credit Cards vs Personal Loans
When it comes to funding a holiday, credit cards and personal loans are two popular options. Credit cards offer flexibility and convenience, but they often come with high interest rates and fees. Personal loans, on the other hand, offer a set repayment schedule and competitive interest rates.
However, they may require a credit assessment and have stricter repayment terms. Ultimately, the choice between a credit card and a personal loan depends on individual circumstances and financial goals. By weighing the pros and cons of each option, you can select the best funding method for your next holiday.
Budgeting & Tips Before You Apply
Considering a travel loan requires a clear budgeting plan. It is important to have a well-defined travel budget to manage costs effectively. Assessing your monthly income is crucial to ensure that you can comfortably cover expenses and loan repayments. Make sure to factor in monthly repayments, possible application or setup fees, and any travel insurance expenses. Understanding the repayment amount and how it fits into your financial planning is essential.
Consider the flexibility of weekly, fortnightly, or monthly repayment schedules. Additionally, having extra cash for unexpected travel expenses can alleviate financial stress. Whether you’re opting for a fixed-rate or variable-rate loan, it’s wise to compare interest rates and understand how each type of travel finance fits into your overall holiday budget.
Remember also to consider the length of your trip and any unexpected costs—like flight changes or medical expenses—so you can choose a deal that offers both affordability and flexibility.