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Travel Loans

Jet Set to Your Favourite Destination With

Responsive Lending


Loans from $5,000 to $100,000

Rates from 6.45%* APR

Getting a quote from us is cost and obligation free.

* Subject to suitability, affordability and verification

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Travel Loans

Responsive Lending 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

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

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.

Why a Responsive Lending Travel Loan?

40+ Lenders

We have over 40 lenders on our panel who we work with to match you with a lender that will get you the best loan interest rate for your circumstances.

Great Low Rates

Our travel loan rates start from 6.45% and with our large lending panel, we're able to find the best loan rate for you!

Fast Approvals

Our brokers work tirelessly to get your loan settled in less than 5 days.

Paperless Application

Our application process can be done completely online. You can apply online, upload, and sign your documents directly from your phone or computer, ensuring a convenient and paperless experience. 


The online application process takes just a few minutes. Additionally, once approved, you can accept the contract online, further streamlining the experience.

Soft Credit Touch

Requesting a quote with us does NOT affect your credit score or leave an enquiry. Our process includes a soft credit check, which is part of our comprehensive credit assessment. This allows us to determine your eligibility for a travel loan without impacting your credit score. As part of this process, we access your credit report to expedite the approval process. 


Additionally, we collect personal details to provide you with a personalised rate and a personalised interest rate tailored to your unique financial situation.

Personalised Service

Our team of finance brokers are all Aussie based and work with you until your travel loan settles. Our customers receive tailored travel finance options that best suit their financial situations. 


Eligible customers can access specific benefits, such as interest-free periods on purchases made with their virtual credit account. 


Additionally, customers can receive their personal loan funds on the same day they accept their loan offer, ensuring quick access to cash.

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.


See What Our Customers Think

3 Steps to Your New Travel Loan

Step 1!
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!
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!
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.


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're after, where you live and your income source(s).

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

Unsecured Travel Loans

These loans do not require any security or collateral, making them a flexible option if you prefer not to risk an asset. However, they may come with higher interest rates if you have a lower credit score or limited financial history.

Fixed-Rate Travel Loans

With a fixed interest rate, your repayments remain the same throughout the loan term, providing you with payment certainty and easier budgeting. This predictability can be ideal if you want to avoid surprises while you’re away.

Variable-Rate Travel Loans

These loans have an interest rate that can change over time. While a variable rate may start lower, it also carries the risk of increasing if the market shifts. That means your monthly repayments could fluctuate, which might be less predictable for travel planning.

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.

​Frequently Asked Questions

What does Credit History mean?

Excellent = 800 - 1,000 credit score with no defaults

Very Good = 800 -899 credit score with no defaults

Average = 500 - 799 credit score with 1 utility default

Poor = 200 - 499 credit score with 2 or more defaults or ex bankrupt or Part IX

* These examples are provided as a guide only. Each situation is different and a credit score is only one part of the assessment puzzle. Being specialists in our field, we pride ourselves on trying to help as many people as we can, no matter what their circumstances are.

What is a Travel Loan?

A Travel Loan is a type of Unsecured Personal Loan that is intended for travel purposes.

A Travel Loan can help cover costs for your trip such as, taxi fees, flight tickets, accommodation and even spending money.

What do your interest rates start at?

Our travel loan interest rates vary depending on your credit history, credit score, assets and liabilities and your affordability. Our rates start as low as 6.45%, subject to the specified criteria above.

What documents do l need to apply?

Our application process is quick and simple. You will just need to have the following documents ready to upload to your broker:

  • Current drivers licence (back and front pic)
  • Two recent payslips
  • Last 90 days bank statement and if on Centrelink, a Centrelink Income Statement
  • If Visa holder, we require your current Australian Residency Identification (VEVO) check
Do you perform credit checks on all applications?

No, we don't perform credit checks on all applications.


In face, our "soft" credit checks don't even leave an enquiry on your file!


We perform these "soft" credit checks so we can gather enough information to be able to direct your application to the lender/s we think will be suitable for your financial position.


If your application is then submitted to a lender, the lender will more than likely perform a hard credit check. This WILL leave an enquiry on your file. Just know that, we will not submit your application to a lender unless we have discussed it with you and you have agreed to it.

How long will it take?

Using our online application process, it is possible for us to get an answer back to you within 2 business days.

Can I apply for a travel loan if I have bad credit?

Absolutely! At Responsive Lending, we understand that everyone’s financial history can vary. We assess applications on a case‐by‐case basis and may be able to offer solutions even if your credit score isn’t perfect. Just keep in mind that having a lower score might affect the interest rate or loan amount you’re offered.

What is the minimum and maximum I can borrow for a travel loan?

Our travel loans typically start from $5,000, and we can assist up to $100,000 (or more, depending on the lender) based on your individual circumstances. Once you complete our soft credit check and eligibility assessment, we’ll present you with suitable options.

Can I make extra repayments or pay out my travel loan early?

Yes! Many of our lending partners allow extra repayments or early pay‐outs without penalty. Exact terms can vary by lender, so we’ll help you choose a loan that provides flexibility if you plan to repay faster than scheduled.

Do I need travel insurance to get a travel loan?

While travel insurance isn’t required by most lenders, it’s highly recommended to protect yourself from unexpected events like flight cancellations, lost luggage, or medical emergencies. Adding the cost of travel insurance to your loan can ensure you’re covered and give you peace of mind during your trip.

Are there any hidden fees associated with travel loans?

We’re transparent about all fees and charges from the outset. Common potential costs might include an application fee or a monthly account fee. We’ll disclose any fees before you commit, so there are no surprises later on.

What happens if my travel plans change after I receive the loan?

Our travel loans are unsecured, so you have the flexibility to adjust your plans as needed. If you end up not using all of your funds or need to reschedule your trip, you can typically pay back any unused amount early or continue with your repayment plan as is. Just let your broker know so we can advise on any specific lender requirements.

How do I manage repayments while I’m overseas?

Most of our customers set up automatic direct debits or electronic transfers to ensure their repayments stay up‐to‐date. You can manage your loan account online, and our team is just a phone call or email away if you need assistance while travelling.

Is a deposit required for a travel loan?

No deposit is typically required for a travel loan, as it’s an unsecured personal loan. That said, it can strengthen your application and potentially reduce your interest rate if you choose to put some of your own funds toward your trip upfront.

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