Go on your big adventure sooner

Yes, absolutely. Anyone can use our online application tool to submit a request. If you’re worried about your credit score, you’re still welcome to apply. Our team reviews each application and assesses it against our credit eligibility criteria and lending requirements. We aim to respond quickly, and in some instances, customers can see funds transferred on the same business day.

We want to make holiday financing available to as many people as possible, so we encourage you to have a look at how it works and chat to our team if you have any questions!

Our secured personal can be used for a range of eligible 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.

Repayments on a Rapid personal loan generally begin shortly after your loan has been settled, with the exact repayment schedule set out in your loan contract.

If your application is approved, we’ll provide you with all the details of your loan before you accept it, including your repayment dates, interest rate and loan term. Depending on when you’re planning to travel, your repayments may begin before your holiday or while you’re away, so it’s important to consider this when deciding whether a loan is right for you.

Rapid personal loans are available from $2,001 to $45,000, with loan terms ranging from 12 to 60 months, subject to our lending criteria. As these are secured personal loans, you’ll also need to provide a registered vehicle as security when you apply.

Applying for a Rapid personal loan for eligible travel expenses is straightforward. Here’s how the process works:

Plan your budget
Before you apply, work out how much you expect your trip to cost and how much you may need to borrow. This can help you choose a loan amount that suits your circumstances.

Check the lending criteria
Before starting your application, take a look at our lending criteria and learn how the application process works. When assessing your application, we’ll consider factors such as your income, financial circumstances and overall ability to meet your repayment obligations.

Gather your documents
Having your information ready before you begin can help make the application process smoother. We may ask you to provide proof of identity, proof of income and other supporting information relevant to your application.

Submit your application
Complete our secure online application form and our team will assess your application against our lending criteria and responsible lending obligations. If your application is approved and all requirements have been met, we’ll arrange for your funds to be transferred. In many cases, approved applicants receive their funds within one business day, although timeframes may vary depending on your financial institution.

Manage your repayments
Your loan contract will outline your repayment schedule, loan term and interest rate before you accept your loan. It’s important to ensure you can meet your repayment obligations throughout the life of the loan.

A travel loan is simply a Rapid personal loan that may be used to finance eligible travel expenses, such as flights, accommodation, cruises, tours, travel insurance and other travel-related costs. Once approved, you’ll receive the funds upfront and repay the loan over an agreed term with fixed repayments.

Here’s how the process works:

Application
Complete our secure online application and provide the information and supporting documents needed to assess your application.

Assessment
Our team will review your application against our lending criteria and responsible lending obligations, taking into account factors such as your income, financial circumstances and ability to meet your repayment obligations.

Loan Amount
If your application is approved, the amount you can borrow will depend on your individual circumstances and the outcome of our lending assessment. Once your loan has been settled, we’ll arrange for your funds to be transferred. In many cases, approved applicants receive their funds within one business day, although timeframes may vary depending on your financial institution.

Repayments
Your loan contract will set out your interest rate, loan term and repayment schedule before you accept your loan. It’s important to understand when your repayments will begin, as they may commence before your planned travel date. You’ll need to make your repayments in accordance with your loan agreement throughout the life of the loan.

Our team aims to assess applications as quickly as possible. Once we’ve received your application and any required supporting information, we’ll review it against our lending criteria and responsible lending obligations.

In many cases, applicants receive an outcome within one business day. If your application is approved and all requirements have been met, we’ll arrange for your funds to be transferred. Depending on your financial institution, many approved applicants receive their funds on the same or next business day.

We understand that travel plans often involve booking flights and accommodation within specific timeframes, so we’ve designed our application process to be as simple and straightforward as possible.