Loans as they should be
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Borrow up to $50,000 for a range of loan purposes
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Simple online application
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Loan terms from 12 to 60 months
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No early repayment fees
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Fast finance – funds typically disbursed within 24 hours of approval
Learn more about our travel loans
Dreaming of your perfect holiday, but don’t quite have the funds to drop? A personal loan for travel from Rapid can help you book that plane ticket, without the financial stress.
We know that for many Australians, travel and adventure is how we live life. But saving enough for flights, accommodation, tours, fuel, travel insurance, and spending money can take years. So that’s why we offer personal loans for travel. Whether it’s a quick weekend getaway, a lap around Australia or a long overseas adventure, our secured loans for travel can help turn your plans into a reality.
At Rapid, we offer fast and flexible travel loans, which gives you access to funds upfront, so you don’t have to delay your adventure. Our secured loans are backed by your vehicle, which gives us protection when lending to you. With simple repayments and no hidden fees, you can focus on making memories while we take care of the finance.
Why Apply for a Travel Loan?
Holidays are meant to be enjoyed – not stressful. Whether you’re planning an international family holiday, luxury honeymoon, cruise, or trip around Australia. A travel loan can help cover costs upfront, giving you flexibility and peace of mind.
Quick and Easy Travel Loan Application Process
Planning a holiday should be exciting, not stressful. That’s why we’ve made our travel loan application fast, simple, and 100% online.
Here’s how it works:
- Apply online – submit your application in just a few minutes.
- Fast assessment – we’ll review your application quickly, often within one business day.
- Receive your funds – once approved, your loan is paid directly into your account.
- Fixed repayments – you’ll know exactly what your repayments will be, with no early payout penalties if you choose to pay it off sooner.
With Rapid, you can organise your travel finance quickly – and focus on planning the perfect trip.
Travel Loan Options
We know every trip is different – that’s why we offer flexible travel loan options to suit your plans:
- Borrow between $2,001 to $50,000
- Fixed interest rates to keep repayments consistent
- Flexible loan terms that fit your budget
- No early repayment fees – pay off your loan anytime
- Use your loan for any travel-related expenses – including flights, hotels, tours, cruises, insurance, or spending money.
Whether you’re heading overseas or exploring Australia, Rapid’s travel loans give you the freedom to make the most of your trip.
Am I Eligible for a Travel Loan?
Wondering if you qualify for a personal travel loan with Rapid? You’re eligible to apply if:
- You’re at least 18 years old
- You’re an Australian citizen or permanent resident
- You have regular income from employment or government benefits
- You can comfortably meet your repayment commitments.
And if you’ve had financial challenges before? That doesn’t automatically exclude you. We look at your full financial situation, not just your credit score, when assessing your application.
What Documents are Needed to Apply for a Travel Loan?
Applying for a travel loan is simple. To get started, you’ll need:
- Valid ID (driver’s license or passport)
- Proof of income (recent payslips or Centrelink statements)
- Details of your current financial obligations (expenses, debts, liabilities)
- An idea of how much you need to borrow for your trip
Once we receive your information, we’ll process your application quickly – so you can secure your ticket and start counting down to your departure.
How It Works
1. Apply Online
Get started with our simple online application and be on your way in just a few clicks! Our secure online platform keeps your information safe.
2. We’ll Get In Touch
Your application will be reviewed and one of our friendly loan consultants will be in touch soon! We’re here to help.
3. Receive Funds
We take our commitment to being fast seriously! If you applied in the morning and were approved, your funds could be available the very same day.
Why go with Rapid for your loan?
Loans Tailored to You
Our auto and personal loan products were created with our customers in mind. We live in the real world too, so we created flexible loan solutions to suit most circumstances.
Quick and Easy Process
Our online application takes just minutes and our secure online portal allows you to upload your essential documents quickly and conveniently.
Personalised Service
Like everything at Rapid, we make sure dealing with our professional customer service representatives is straightforward and simple. We’re here for you!
Trusted Lender
We’ve funded loans for over 50,000 happy customers to make life happen. Our people are experienced, professional and understand that life isn’t always straightforward.
Explore Our Other Loan Types
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Wedding Loans
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Debt Consolidation
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Travel loan questions
Can anyone apply for a holiday loan?
Yes, anyone can apply for a holiday loan, but approval for the loan will depend on your financial situation, credit history, lifestyle and income.
At Rapid Loans, for you to be considered for a travel loan, we will look at factors such as your income, employment status, credit score, financial situation and how you live when deciding whether to approve your loan application. At Rapid Loans, you can apply for a loan for travel even if you have a bad credit history. These bad credit holiday loans may come with higher interest rates and stricter repayment terms, but ultimately, we want you to be able to live your life! We assess every application individually, to see if you meet our requirements to be approved for a holiday loan.
You should always consider your financial situation before you apply for a holiday loan with bad credit. When you apply for a loan, you can affect your credit score. So be sure of your situation and that you can be approved for a loan for travel before you start applying.
What can a travel loan cover?
Our travel loans can be used for almost any costs associated with travel. From flight costs and accommodation, to day tours and travel insurance, your personal loan funds can be used to accommodate anything you may need.
Can I start repaying my loan after my holiday?
It depends on how long your holiday is! Typically, repayments start within 2-3 weeks of the loan being disbursed, but your holiday loan contract will detail this. If you’re approved, you will receive your loan contract and it will show you the payment schedule. In some cases, your holiday may be months down the track, so you will start paying for your loan before you jet off.
Repayment terms for holiday loans can vary with other lenders, but at Rapid Loans, we can offer loan amounts from $2,001 up to $50,000 and repayment terms from 24 months to 60 months. It is important to note that Rapid Loans offers secured loans, and this can sometimes help those with bad credit get a holiday loan if they meet our lending criteria
How do I get a travel loan?
If you want to get a loan for a holiday with Rapid Loans, there are a few steps you’ll need to complete.
Set an ideal borrow amount: Before you apply for a travel loan, it’s important to determine how much you need to borrow and what your travel expenses will be. This will help you determine the loan amount that you need and give you a better idea of what you can afford to repay.
Check your eligibility: At Rapid Loans, our loans for travel have eligibility criteria that must be met before we can approve you for a loan. Make sure you check out our requirements to check if you meet the requirements before you apply. Some eligibility requirements for a travel loan can include your credit score, income, lifestyle, your financial situation and whether or not you are employed.
Get prepared: While our loan application process is quick and easy to complete, it’s a good idea to have everything you need to apply ready to go before you start the application. Some things we might ask you for when applying for a travel loan can include proof of income, ID, and any other relevant information.
Submit your application: Once you’re prepared and have all of your required documents ready to go, you can submit your loan application online through our quick and easy application form. We will then review your application and one of our friendly loan consultants will be in touch with you. If approved, you will receive the loan amount to use for your travel expenses.
Paying off the loan: Of course, there will come a time when you need to start making your holiday loan repayments. These terms will be set out in your contract and it is important that you meet these payment terms, otherwise you could risk other fees and penalties for not keeping your repayment schedule.
Is a travel loan a good idea?
At Rapid Loans, we look at every travel loan application individually to assess if you are eligible. Whether a travel loan is a good idea or not depends on your individual financial situation and circumstances and you should consider if a travel loan is right for you.
Affordability
Before you take out a travel loan, it’s important to make sure you can afford the repayments. Make sure the loan repayments won’t impact your ability to cover other important expenses.
Why you need a loan for a holiday
Consider why you need a travel loan. If you’re taking a loan to cover the cost of a once-in-a-lifetime trip, it may be worth it. However, if you’re taking a loan for a more routine or frequent type of travel, it may be more cost-effective to save for the trip instead.
Repayments
The repayment schedule for a travel loan may start before you take your holiday. Make sure you’re comfortable with the loan’s repayment schedule and that it aligns with your budget.
Credit Score
Taking out a travel loan can impact your credit score, both positively and negatively. If you make timely and full repayments, it can help improve your credit score. However, if you miss repayments or make late payments, it can hurt your credit score.If you’re ready to apply for a travel loan, get in touch with one of our friendly loan consultants today.
Check your eligibility
At Rapid Loans, our loans for travel have eligibility criteria that must be met before we can assess your application.
How do travel loans work?
Travel loans are personal loans that can be used to cover the cost of travel expenses such as airfares, accommodation, tours, dining, and other travel-related costs. They work similarly to other types of personal loans. Loan
Application: To get a loan for a holiday, you’ll need to complete our quick and easy online application form.
Loan Approval: Once you submit your loan application, our friendly loan consultants will review it and determine if you are eligible for a loan. Factors such as your credit score, income, financial situation and employment status will be taken into consideration.
Loan Amount: If your loan application is approved, you will receive a loan amount that you can use to pay for your travel expenses. The loan amount will depend on several factors, such as your credit score, income, and financial situation.
Repayment Terms: Travel loans usually have a set repayment period and a fixed interest rate. You will need to make regular payments, including interest and fees, until the loan is fully repaid.
Repayment Schedule: The repayment schedule for a travel loan will depend on the loan amount and the repayment period. You will need to make regular payments until the loan is fully repaid.
Loan Repayment: You will need to repay the holiday loan, including the principal amount borrowed and any interest and fees.
It’s important to make your loan repayments on time and in full to avoid late fees and to maintain a good credit score. It is important to note that if you have planned your holiday for a future date that you will have to start your repayments before you take your holiday.
How long does it take to get a travel loan approved?
Our dedicated team works hard to get to applications quickly. Applicants usually hear from a team member within one business day, and if approved, see funds as soon as that afternoon. We know that when you’re planning a holiday, you want to lock in the details as soon as possible, so our processes are quick and easy.