Holiday Loans Up To $10,000 Approved Online. Kick Back With Monzi

Holiday loans could be a great way to make your dreams a reality. Are you at work right now staring into your computer screen? If you would rather be outstretched on a Carribean beach, or walking through the lamplit streets of Paris, consider a holiday loan. Monzi’s lender-finder service may be able to pair you with a lender offering up to $10,000.

Monzi Loans

We’re Monzi, we’re a 100% online lender-finder. Despite this, we are still an Aussie company, run by and for Aussies. Therefore, we know a thing or two about living in today’s Australia.

We especially know how many Aussies could do with a holiday. After all, modern life has become fraught with more and more pressures that can quickly snowball into stress. Therefore, a holiday can be a great way to de-stress and get back to enjoying life.

What do we do? Well, we’ll try to pair you with a lender who may be able to offer a quick loan for holiday costs.

What are holiday loans?

Holiday loans are personal loans designed to cover the cost of taking a holiday. As a result, you can use your personal loan to cover almost all of the costs associated with a holiday. This could include:

  • Accommodation
  • Flights
  • Internal travel
  • Spending money

Can you get a loan for a holiday?


Holiday loans are just personal loans that can be used to cover holiday costs. In short, personal loans can be used to cover a huge variety of personal expenses. In other words, it’s really up to you how to spend your money.

Have you been planning a special holiday for a few years? Whether you’re looking to visit Machu Picchu, or to experience Yellowstone National Park, consider using Monzi’s lender-finder service.

With lenders offering loans from $300 to $10,000, Monzi might be able to help with a cheap little domestic holiday or the trip of a lifetime.

What is a travel loan?

Travel loans are identical to holiday loans. In other words, they are personal loans that can be used to cover the cost of travelling.

Monzi works with lenders who may also be able to offer travel loans of up to $10,000.

The Australian love of travelling

While we are lucky to live in a country that is already a tourist destination, Australians still love to travel internationally. According to the Bureau of Statistics, 11.1 million Australians returned from short-term overseas trips in 2018.

The top ten destinations for Aussie travellers are listed below.

  1. New Zealand
  2. Indonesia
  3. USA
  4. UK
  5. China
  6. Thailand
  7. Japan
  8. Singapore
  9. India
  10. Fiji

New Zealand

New Zealand is the most popular holiday destination for Aussies, as it has been for over the last ten years.

It’s not hard to see why, either. Not only is New Zealand a convenient and affordable destination to travel to, but there is also a huge variety of things to see and do.

You could experience the sights and sounds of bustling Auckland. Alternatively, you could check out the country’s natural beauty, like Fjordland National Park. Oh, and for any Lord of the Rings fans, you could visit the Hobbiton movie set.

Holiday loans Indonesia

Indonesia remains a highly popular tourist destination for many Aussies. Bali, especially, is a relative stone’s throw away from Australia’s north coast.

Bali offers an affordable getaway for Aussies looking to get away from it all. You could, for example, be pampered in a luxury resort in Seminyak. If you are, on the other hand, looking for something a little more lively, Kuta is known for its parties and nightlife.

Indonesia, however, offers so much more than the classic Bali experience. After all, well over 18 thousand islands make up Indonesia. For example, you could experience Indonesia’s metropolis capital Jakarta.

United States of America

More and more Aussies are now looking stateside for their next holiday. And, who wouldn’t? From East to West Coast, Alaska, Hawaii and everywhere in between, there is so much to experience in the US.

Why not consider visiting Los Angeles? Not only can you check out Hollywood, but Las Vegas is a mere four-hour drive away. Alternatively, the East Coast boasts just as much for tourists to see and do.

Holiday loans United Kingdom

The flight from Australia to the UK is daunting by anyone’s standards. However, once you arrive, it is all worth it. After all, the UK ranks in Australia’s top destinations consistently every year.

It is easy to get caught up in the sights, sounds and smells of London. However, there is so much more to explore in the UK than just the capital. You could venture up north to the Lake District, where Beatrix Potter found inspiration for her classic children’s book characters. Alternatively, consider catching a train to Wales or Scotland. Wherever you choose to go, the UK offers Aussie tourists so much more than biscuits and cups of tea.


Many Aussie tourists love China’s blend of ancient and modern. For example, you could walk along The Great Wall, or visit the ancient Terracotta Army. On the other hand, you could spend your time in the biggest city in the world, Shanghai! Or, you could do all three. It’s really up to you.

You may require a full visa to visit China. Even as a tourist, you may need permission to enter the country. There are, however, transit visas that are available upon arrival for some short stays. Visit the Department of Foreign Affairs and Trade’s (DFAT) smart traveller guide to China for more information on visas.

Do banks give loans for holidays?

You may be able to get a personal loan from a traditional lender, like a bank. You may, therefore, be able to use your personal loan to pay for a holiday.

The banks, however, often have more stringent eligibility criteria you’ll need to meet. For example, the banks may be unwilling to provide cash loans for bad credit. If Centrelink especially, makes up part or all of a consumer’s income, their chances of approval shrink even more!

If you have poor credit or receive Centrelink, you may be wondering what your options are. Well, don’t start cancelling your holiday plans just yet – Monzi might be able to help.

We work with lenders who may be more understanding of your individual situation who may offer bad credit loans. In other words, Centrelink or a poor credit score don’t automatically disqualify you!

How does Monzi help with holiday loans?

In short, Monzi’s lender-finder service takes the hassle out of finding finance online.

Picture this – you’re planning a holiday, but an unexpected expense has put your plan to buy tickets at risk. So, do you wait until you have enough money and risk missing out on the tickets? Or, do you consider finding a lender?

Monzi makes the latter option easy. In short, our application form can be completed in minutes, and our automated system works fast to scan through different instant approval loan products. If we successfully pair you with a potential lender, they’ll be in contact with you directly.

If you apply during normal business hours, Monzi may be able to pair you with a lender quicker than you can say holiday loans Australia.

Monzi – one application, one lender, one easy way to find finance online.

Am I eligible?

While we want to help as many Australians as possible, Monzi does have minimum eligibility criteria you’ll need to meet first. So, before you begin with Monzi’s lender-finder, make sure you can say yes to all of the following.

  • 18 years of age or older.
  • Australian Citizen or Permanent Resident.
  • Have a personal email address, mobile number and bank account.
  • Have been receiving income into a personal bank account for at least the last 90 days.

Family splashing in the ocean and enjoying holiday loans

How to apply for holiday loans Australia

Monzi’s lender-finder is simple and easy to use. Do you want to know how to get started? Read on.

Apply online: Enter in your ideal loan amount and repayment terms in the loan slider. Next, fill in your personal details in our 100% online submission form. We only ask for the essentials, so this shouldn’t take longer than a few minutes.

Wait and see: Once you submit your online form, our intelligent automated system will scan through hundreds of different loan products. If we successfully pair you with a lender, they should be in touch.

Meet your lender: Your new lender will conduct an assessment of your application. Finally, if you’re approved, they’ll send through a digital loan contract. After you approve your contract, your lender will get to work transferring your same day bad credit loan.

Keep in mind, all costs and repayment terms presented by the loan slider are just a guide. The actual cost and repayment terms of your loan may vary depending on the lender you’re paired with.

How are holiday loans repaid?

When you repay your travel loan, your repayments will include the principal loan amount as well as interest and any additional charges.

Monzi works with lenders who make repaying a loan easy. As a result, a direct debit will be set up from your account. From there, your repayments will be deducted on an agreed upon schedule.

Usually, lenders will let you choose between weekly, fortnightly or monthly repayments.

Holiday loan calculator

Monzi’s holiday loan calculator is a great way to get an idea of how much your travel loan might cost.

Once you select the amount you’re thinking of borrowing as well as your ideal repayment terms, you’ll be shown an idea of what your loan may cost.

In particular, you’ll be shown what the weekly, fortnightly and monthly repayments may look like. It is important, however, that you keep in mind that this is just a guide. The actual cost of your loan may vary. In addition, the repayment terms of your loan may vary depending on the lender you’re paired with.

Personal loans for your next holiday!

Monzi works with lenders who may offer personal loans, not payday loans. The difference between payday loans and personal loans is important to note.

Payday lenders, for example, often only offer small amount loans ($2,000 and under). In addition, payday loans may have very short repayment terms, sometimes as short as four weeks. Consider then, repaying $2,000 (plus interest and other fees) over four weeks! The regular repayments on payday loans Australia may be unmanageable for certain borrowers.

Lenders that offer personal loans, however, may be able to provide larger loans. Monzi, for example, works with some lenders that may be able to offer personal loans as large as $10,000!

In addition, personal loans may have longer repayment terms, often as long as several months. Finally, personal loan lenders may be able to offer both secured loans and unsecured loans.

Can Monzi help find holiday loans for bad credit?


While your poor credit may automatically disqualify you with other lenders, Monzi knows a few that do things a little differently.

When you apply with Monzi, you’ll notice we ask you to supply your online banking details. Then, we are able to get a read-only copy of the last 3 months of your banking history. This isn’t so we can be nosey, but rather, so potential lenders can get a better understanding of you and your relationship with money.

In other words, lenders can use your bank statements to confirm your income and expenses. Potential lenders can also see if you have been keeping up with whatever other repayments you may have.

In short, if they can see your loan repayments would fit comfortably with your lifestyle, you may be considered for approval.

Finally, note that each lender will perform their own assessment of your application. Therefore, even if Monzi pairs you with a lender, you are by no means automatically approved.

Can you find no credit check loans?

As the lender-finder, Monzi will not conduct a credit check of your application nor will we offer no credit check loans instant approval.

The lender you’re paired with, however, may conduct one as part of their assessment policy. Therefore, we cannot guarantee whether or not you will be offered a no credit check loan.

However, we work with lenders who can look at more than just your credit score. In short, they may be able to focus on your current relationship with money, as well as your ability to repay the loan.

Often consumers who look online for travel loans no credit check feel their credit score is so poor it will disqualify them from being approved for a normal loan. Well, our lender-finder service may be able to match you with a lender who might think a little differently.

What if I’m receiving Centrelink?

You can still use our lender-finder service if you receive Centrelink.

This is because some lenders may be willing to accept regular Centrelink payments as a form of income. Therefore, even if Centrelink makes up all of your income, you are not automatically disqualified.

Lenders look to see that your repayments would fit comfortably into your lifestyle (i.e. Centrelink income minus your normal expenses). Therefore, you may still be considered for approval, despite receiving Centrelink.

When you apply, however, just confirm all your myGov details are correct.

Travel loans for students

Even if you’re a university student, you can still use Monzi (you’ll just need to be at least 18 years old, of course).

After all, travelling when you’re young can be one of the best things you’ll experience. Often, however, it’s money that gets in between us and our dreams. Well, that might be able to change with Monzi!

We’ll go in to bat for the dreamers. You could, in short, be able to match with a lender who may be able to offer loans of up to $10,000!

Holiday home loans

If you’re thinking of purchasing a mobile home or a small holiday residence, Monzi may be able to give you a hand.

Admittedly, we don’t really work with lenders offering over $10,000. However, the maximum loan amount of $10,000 could definitely help cover the cost of a caravan or part of a small holiday residence.

A holiday home, be it mobile or static, could be a great weekend escape!

Holiday instalment loans

Generally, your lender will transfer your loan as one lump sum.

You may be able to receive your loan in instalments. This is, however, at the discretion of the lender themselves. Get in contact with your lender directly to discuss this.

Holiday cash loans

A lot of people love personal loans because they can be used to cover heaps of different expenses – it’s really up to you!

Therefore, cash loans are a great way to finance a holiday. These loans can essentially be used and spent like cash. Therefore, you could use your holiday loans to buy lunch in Chile, to cover your tram pass in Amsterdam, or to book last minute accommodation in Nairobi. You could even use these apply for a Christmas loan to get away these school holidays.

You can apply with Monzi if you’re living in Canberra looking for cash; in fact, you can apply from anywhere in Australia.

Book now pay later holidays

Keen to lock in your reservation for your next holiday? Book now pay later holidays may allow you to do so. In short, you can reserve your seat on the plane or your hotel room. From there, you’ll need to pay the full cost down the line. That way, you won’t miss out on your holiday if the airline or accommodation books out. It could be a creative way to score a great deal too. Shop around to find the best prices.

Monzi finds variety

Monzi works with a wide network of lenders that may be able to offer an equally as wide range of loan products.

LoanAmount (AUD $)Repayment TermsSecured
Small personal loan$300 to $2,00012 months
Medium personal loan$2,100 to $4,60013 to 24 months
Large personal loan$5,000 to $10,00013 to 24 months

Can I trust Monzi?

You sure can!

If you’ve just stumbled across our organisation, then you may be wondering if Monzi is legit. Well, the short answer is that we are.

Based in sunny Brisbane, our lender-finder service may be able to connect you with a great Aussie lender today. With easy applications and fast outcomes, you may be able to access the fast cash you need for you next holiday before you know it.

At Monzi, we aim to make your life a little easier. Avoid the stress and hassle of trying to find a lender online. Let Monzi do the heavy lifting for you.

Holiday loans Australia

Are you ready to hit the road? By scrolling up to the loan slider, consumers can get started with Monzi!

Go here to learn more about travel loans, car registration loans, car repair loans or rental bond loans.

Alternatively, if you have any further questions about holiday loans, visit our FAQs. Otherwise, bon voyage!

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You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000


12 months (minimum)

12 months (maximum)


20% upfront establishment fee

+ 4% monthly fee


Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. The minimum and maximum loan term is 12 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Loan amount

$2,001 - $4,600


13 months (minimum)

24 months (maximum)


48% Annual Percentage Rate (APR)

67.41% Comparison Rate p.a.


Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principal Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Annual Percentage Rate (APR) for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Loan amount

$5,000 - $10,000


13 months (minimum)

24 months (maximum)


21.24% Annual Percentage Rate (APR)

48% Comparison Rate p.a.


Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principal Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

The Annual Percentage Rate (APR) for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.