Do you need a travel loan for an upcoming trip? Look no further than Monzi!

A travel loan could be your one-way ticket to seeing the world. From our own beautiful backyard to the sights and sounds of Europe or Africa, there’s a whole world out there.

Monzi can connect you with lenders who might be able to offer holiday loans big and small. So, whether you’re planning a trip of a lifetime, or need a flight loan to visit your family, we’ve got you covered.

Can you take a loan out to travel?


In particular, you can take out a personal loan that can be used to cover travel expenses. From a family holiday to Fiji to a small local getaway, we might provide the help you need.

Monzi works with a wide network of lenders. In particular, they may be able to offer personal loans that range from $300 to a massive $10,000!

Therefore, no matter what trip your planning, Monzi may know a lender who could help.

What is a holiday loan?

It is, essentially, what it sounds like – a travel loan, otherwise known as a holiday loan, can be used to help cover the expenses of a holiday, flight or long-term trip.

In other words, you can use your loan to cover a huge range of expenses. Including:

  • Airfares.
  • Hotel costs.
  • Internal travel at your destination (e.g. train pass, bus pass).
  • Rental car hire.
  • Extra spending money.

In short, it’s really up to you how you spend your cash.

How do I apply for a travel loan?

If you’ve decided that you need a loan to go travelling, Monzi may be your new best friend.

Monzi is a 100% online lender-finder service, putting you in touch with some of Australia’s top lenders. If we pair you with a lender, they may be able to offer a personal loan of up to $10,000.

All it takes is for you to fill out our simple online application form. From there, our automated system will scan through hundreds of different loan products. If we successfully match you with a lender, they’ll take it from there.

Interested? Here’s how to get started:

Apply for free!

Fill out our simple online application form telling us a bit about yourself and the kind of loan you need. We use smart technology to access the required information. Therefore, these are no paperwork loans available online. As a result, this should only take you a few minutes to complete.


Next, our intelligent automated system will get to work scanning through hundreds of different instant loan products. While this is usually pretty quick, if you apply during normal business hours, it may be even quicker. You might be able to access instant cash loans online on the same day you apply.

We’ll let you know of the outcome via text and email – so keep an eye on your devices.

Meet your lender

If we’re successful, your new lender should be in touch. From here, you’ll deal with them directly.

They’ll then conduct their own assessment of your application. If you’re approved, they’ll send through a digital loan contract for you to read over.

It is important you carefully read through your loan contract. Pay close attention to the terms of your loan, and make sure you are happy with everything.

You are under no obligation to approve your contract, and it will cost you nothing if you decide to decline the offer.

Why should I use Monzi?

That’s a great question. In short, so many Aussies love using Monzi because we make their life easier.

Don’t just take out word for it though. Below are some of the key reasons why so many Monzi customers keep coming back!

Save yourself time

Whilst it’s true that you could do your own research to find a loan online, it is by no means easy. With thousands of lenders to choose from, finding the right lender can often be confusing and at times, overwhelming.

In addition, you may find yourself applying with multiple lenders. This means multiple application forms, and potentially, multiple rejections.

Monzi solves all this – one lender-finder, one application, one lender. Easy!

One application only

Fortunately, with Monzi’s simple loan application form, and we’ll do the rest. We’ll scan through hundreds of different loan products in no time. Moreover, depending on when you apply, this may only take a few minutes.


These days, cyber-security is as important as locking your front door. Being digital natives ourselves, keeping your information secure is paramount to Monzi.

As a result, Monzi has teamed up with tech-security giants McAfee and Comodo. Therefore, you can rest assured your details and information will never end up in the wrong hands.

Who can apply for a travel loan?

The great news is, we are pretty inclusive when it comes to who can use our service:

  • At least 18 years old.
  • An Australian citizen or Permanent Resident.

You’ll also need to provide:

  • Valid mobile number.
  • Valid email address.
  • Internet banking details.
  • A bank statement which shows a regular income for the last three months.

Do you tick all of the boxes? Then fill out our online loan application form to start the process today.

Keep in mind, being paired with a lender does not mean guaranteed approval loans are possible. After all, lenders will conduct their own assessment of your application, and grant approval accordingly. Final approval is always at the discretion of the lender themselves.

Travel loans bad credit – is it possible?

Do you need a loan, but you’re worried that a history of bad credit will hold you back? No need to worry! We work with lenders that offer holiday loans, cash advance and flight loans bad credit. As a result, there may be a bad credit loan option for you.

How can we do this? Well, when you fill out our online form, we’ll ask you for your internet banking credentials. Don’t worry, this isn’t anything dodgy!

We do this so we can access a read-only copy of your bank statements. We can, as a result, pass this on to a potential lender. Therefore, they can get a better understanding of you and your relationship with money.

In short, if they can see you’ve been earning a consistent income, and have been responsible with whatever other repayments you have, you may still be considered for approval.

Why do lenders need to see my bank statements?

Providing a read-only bank statement is the easiest method to verify your employment income and outgoings. Lenders do this, in short, to verify you will be able to reasonably afford your repayments.

How much can I borrow for travel loans?

Our lenders offer loans from $300 to $10,000 with repayment terms from 12 to 24 months. So you can borrow moneyto fit any travel dreams.

Looking for a cheap holiday to stay local? No issues. Perhaps you’re thinking of booking a round the world trip? Again, no stress! Monzi works with lenders who may be able to offer you a loan!

The types of personal loans you may be able to apply for have been broken down below.

Loan TypeAmount ($) AUDRepayment TermSecured?
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

The terms of your actual loan may vary depending on the lender you’re paired with.

happy woman being approved for a travel loan

How much will my travel loan cost?

As the lender-finder, we cannot give you an estimate of how much your holiday loan may cost. After all, lenders may differ in their loan terms.

When you use our loan calculator at the top of the page, you’ll be given a very general idea of what your loan may cost. In particular, you’ll be shown what your weekly, fortnightly and monthly repayments might look like.

Keep in mind, there may be additional fees and charges associated with your loan. For example, you may incur a fee for missing or rescheduling a repayment. Your loan contract will outline these additional fees and charges. Therefore, make sure you understand all the charges associated with your loan before approving your contract.

What if my circumstances change?

If you feel like you are unable to afford a repayment, it is best to get in contact with your lender as soon as possible. Moreover, try and get contact with your lender 24 hours before your repayment is due. Generally, your lender should be able to reschedule your repayment.

If your circumstances change drastically (e.g. lose your job), you may be eligible to claim financial hardship. You will, however, need to get in contact with your lender directly. From there, you will need to provide supporting evidence of your hardship. Your lender, if they approve your claim, may restructure your repayments.

What about holiday loans for bad credit?

If you have bad credit and you’re looking for a holiday loan, then you may have been knocked back by big banks.

At Monzi, however, we can find lenders that have a fresh take on bad credit. What does that mean, you may ask? Well, it means the lenders we find can look at more than just your credit score.

Can you find me a no credit check travel loan?

As the lender-finder, we cannot guarantee a lender will offer no credit check loans. This, however, shouldn’t deter you from applying.

The lenders we find can look at your current relationship with money, rather than just your credit score. So, if you have bad credit and looking for an adventure, consider applying for fast loans through Monzi.

Looking for a lender that may offer cash loans for bad credit? Consider using Monzi’s lender-finder service.

Can we help clients that receive Centrelink?

Yes, we sure can!

If you are receiving Centrelink payments as part of your income, you may be passed over by the big banks. That’s when you can turn to Monzi. We can find lenders that might offer holiday loans for people on Centrelink.

Monzi works with lenders who may be able to consider regular Centrelink payments as a form of income. Therefore, when you apply, you may need to include your myGov details.

It must be noted, Monzi cannot guarantee you will be granted approval. We are, after all, just the lender-finder. The lender you’re paired with will always conduct their own assessment of your application.

Are you an unemployed Australian? Monzi might be able to help pair you with a lender.

Are there travel loans for students?


Neither Monzi nor the lenders we work with will discriminate based on your age, unless of course you’re under 18.

Are you a student and looking to make the most of student flight deals? After all, the best time to travel is when you’re young. Often, however, our bank accounts don’t share in this enthusiasm.

Consider, then, using Monzi’s lender-finder service. In short, we may be able to pair you with a lender who might offer you a personal loan of up to $10,000.

Are there interest-free travel loans?

If you apply with Monzi and are matched with a lender, you will not be offered a no interest loan. Lenders will charge fees and interest on all credit products, meaning you must consider the costs before applying.

Can Monzi find me payday lenders?

In short, no.

Monzi does not associate with payday lenders. After all, many payday lenders have very short repayment terms which may translate into higher regular repayments.

Instead, Monzi is able to pair you with lenders who may offer personal loans from $300 to $10,000.

However, it is unlikely a credit provider will offer an interest free loan. After all, interest is how credit providers are able to make money.

Can I book flights now and pay later?

You may.

Book now pay later may be the aviation industry’s answer to interest-free finance, such as the options offered through Afterpay. However, airlines will differ in what they offer. Some may allow you to pay for your ticket in instalments. Others may allow you to lock in a fare in exchange for a deposit. From there, you must pay the full price by a certain deadline (e.g. the day before the flight leaves).

Holiday loans Australia-wide

We are proud to be Aussie, which is why we work with Australian lenders to deliver cash loans to Australians!

The lenders we work with are based all over the country, from Western Australia to Queensland, and everywhere in-between. To apply for a loan through Monzi you are required to be an Australian Citizen or Permanent Resident. You may need to provide proof of this before your loan is secured.

In any case, if you’re after a loan this Christmas to cover your costs of domestic travel or need an Easter loan to help you see the family, then Monzi may be able to set you on the right path.

What else can I use my loan for?

One of the best things about personal loans is they can be used to cover all sorts of personal expenses.

In other words, you could use your loan to cover rental bond, car repairs, education costs or even to help pay for home renovations.

Responsible lenders

Monzi works with lenders who take their responsible lending obligations seriously.

In other words, they will always conduct an assessment of your application. As a result, you’ll never be offered a loan that you can’t reasonably afford to repay.

Therefore, if your application was declined, don’t stress! Just because you were unsuitable for a loan product today, doesn’t mean you won’t be in the future.

Consider reassessing your regular expenses, and perhaps apply for a smaller amount.

Responsible lending obligations are a series of steps credit providers must undertake. These steps have been outlined by the Australian Securities and Investments Commission (ASIC). In short, the objective of these obligations is to prevent consumers from entering into credit contracts that are unsuitable for their circumstances.

You can access a full copy of the regulatory guide via ASIC’s website.

Ready to apply?

Then, just scroll up and you’ll find our loan calculator to get started. You can apply for cash loans on your mobile in minutes, and may have a new lender in no time!

Do you have any more questions?

If you have any more questions about applying for emergency loans, or how the process works, don’t hesitate to check out our handy FAQ page.

If you’re ready to go ahead and apply for a loan for your upcoming trip, then fill out our online application form now.

Want more Monzi? Stay in touch via Facebook, Instagram, Twitter and Pinterest.

Looking to travel but not sure if you’re supposed to wear a mask? Monzi explains face masks Australia and reusable face masks. Check out our easy guides today.

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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.