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A holiday loan, sometimes called a travel loan, is simply a personal loan used to fund the cost of a trip. It is usually an unsecured loan with a fixed term and set repayments, so you know exactly what you are paying and when.
Rather than waiting until you have saved every last dollar, a travel loan lets you book now and pay over time. It is one of many ways to use a personal loan, and you can explore your options on our personal loans page.
A holiday loan can fund the whole trip or just the big-ticket items, depending on what you need. People commonly use one to cover costs such as:
If your getaway involves buying a caravan, boat or motorhome rather than hiring one, a leisure loan may suit better, and we can point you in the right direction.
A holiday is a lifestyle expense, and the repayments continue after you are home and unpacked. That is worth keeping in mind, so the trip stays a good memory rather than a financial hangover.
A few simple habits help:
A quick chat with a broker can help you land on an amount and a term that feel comfortable, not just possible.
As a finance broker, Thor Finance works for you, not for one lender. We get to know your plans and your budget, then compare holiday loan options from our panel of lenders and explain them in plain English, so booking your trip feels easy rather than stressful.
You can learn more about our team on our about us page.
The process is quick and there is no obligation to proceed.
Share where you are headed, roughly what you need and when
We look at your budget and goals to understand the full picture
We source and compare suitable travel loans from our panel of lenders
We explain the options in plain English so you can decide what works for you
We handle the paperwork and liaise with the lender through to settlement
Every lender is different, but having a few things ready can speed things up:
Do not worry if you are missing something. We will let you know what a particular lender needs as we go. Approval is always subject to the lender’s assessment and eligibility criteria.
Thor Finance is based in South Brisbane and helps clients across Queensland and Australia, in person, over the phone or online. You can reach us on 07 3521 6043, or find your nearest team on our Brisbane page.
A holiday loan is a personal loan used to fund travel, from flights and accommodation to tours and spending money. It is usually an unsecured loan with a fixed term and set repayments, so the cost is predictable and easy to budget for.
It depends on your circumstances, including your income, expenses and existing commitments, and on the lender’s criteria. Rather than quoting a figure, we look at what is comfortable and appropriate for your situation and compare suitable options, so you borrow an amount that fits your budget.
Holiday loans are usually unsecured personal loans, which means they are not tied to an asset. Depending on the amount and the lender, other structures may be available, and we can talk through what suits your situation.
No. Thor Finance is a finance broker, not a lender. We compare loan products from a panel of lenders and help you find and apply for an option that suits your plans. The loan itself is provided by the chosen lender.
No. No broker or lender can guarantee approval. Every application is subject to the lender’s credit assessment and eligibility criteria, and to responsible lending obligations. What we can do is help you understand your options and present your application clearly.
Yes. A travel loan can be used for domestic or overseas travel, including flights, cruises, accommodation, tours, destination weddings and honeymoons. You are free to use the funds for the various costs that make up your trip.
Simply get in touch with our team for a no-obligation chat. We will discuss your travel plans and budget, compare suitable options from our panel of lenders, and explain them clearly so you can decide what is right for you.
Whether it is a long-awaited overseas adventure or a well-earned break closer to home, we can help you sort the finance so you can focus on the fun part.
Get in touch with Thor Finance today and let us do the legwork for you.
Thor Finance is an Authorised Credit Representative (581930) of AFAS Group Pty Ltd, Australian Credit Licence 414426 (ABN 45 702 440 435). The information on this page is general in nature and does not take into account your objectives, financial situation or needs. It is not financial or credit advice. All applications are subject to the lender’s assessment, eligibility criteria and responsible lending obligations. Consider whether a holiday loan is right for you, and seek independent financial advice if you are unsure.
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Thor Finance Pty Ltd ABN 45 702 440 435 is an Authorised Credit Representative #581930 of AFAS Group PTY LTD, Australian Credit Licence #414426.