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Get a personal loan for a holiday
We all deserve a holiday once in a while. That’s why we offer small holiday loans, so you can have a chance to relax, unwind, and get away from it all. Whether it’s a week at the beach, a road trip to the snow, or jet setting interstate for a best friend’s wedding. All these travel plans cost money and we have the quick cash loans to make it happen.
All Swoosh money loans are secured by a car (or other vehicle) with a short 12-month repayment term, no hidden costs, and no early repayment fees. We give everyone a fair go, even those with bad credit.
Apply for an online holiday loan between $2,200 – $5,000 from a local Aussie direct lender today!
Cheap Holiday Destinations for Couples
What is a Holiday Loan?
A Holiday Loan is a quick cash injection for your trip away. You can use the money to fund your adventures and pay off your holidays in easy, manageable instalments.
Looking for extra cash over the festive season? Check out our Christmas Holiday Loans for some spare cash to plan a trip away over the school holidays.
How to get a holiday loan
At Swoosh, we keep things simple. Getting a loan with us is as easy as 1, 2, 3.
1. Complete an online loan application on your mobile phone, computer or tablet. Applications only take 5 minutes.
2. Approval of your loan is provided within 60 minutes of receiving your information (during business hours)*. The decision will arrive promptly — right in your inbox.
3. After approval, an offer is sent to you via email. Once you’ve (electronically) signed the contract, we’ll send your quick holiday money directly to your bank account!
Find out more about how to get a loan with Swoosh.
*Approval speed is conditional upon receipt of all requested relevant documents/information & usually comes within 1 hour during normal business hours/banking days. If you return your contract by 3:30pm AEST, your funds will be transferred overnight.
Apply for a holiday loan today
Holiday loan cost structure
At Swoosh, we’re different to other lenders; we’re upfront and honest about our cost structure and process, so you know what you’re getting with your short term holiday loan.
| Online cash loan amount | $2,200 to $5,000 |
| Application Fee | $0 (even if your application is not approved) |
| Standard establishment fee | $400 |
| Other Fees | $20 (included in loan) |
| Annual Interest | 47% (Comparison Rate 66.0347%)** |
| Term length | 12 Months |
| Flexible repayment options | Weekly, fortnightly, or monthly (based on your payday) |
| Direct debit dishonour fee | $39.95 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid |
**Please note, 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.
Need some help understanding loan jargon? We explain all in our Loan Terminology blog. You can also check out the FAQs at the bottom of this page or find even more answers to questions about our loans.
Interest rates & fees
Interest is calculated daily based on the outstanding balance and applied to your account. Interest rates are fixed for the loan term — so you know exactly what to expect. If a scheduled payment is missed or returned unpaid, we may issue a $39.95 debit dishonour fee.
Repayment options for Swoosh holiday payday loans
At Swoosh, we like to make things stress-free. That’s why we offer flexible loan repayment schedules that align with your paydays. Your repayment schedule can be automatically set for weekly, fortnightly, or monthly payments.
Can I get a holiday loan with bad credit?
Yes, it’s possible to get a holiday loan with Swoosh even with bad credit. As long as you meet our lending and eligibility criteria, you’re good to go!
We know that bad credit can happen to the best of us, so we look at your current financial situation and assess your application on an individual basis. This lets us give people a fair chance at loan approval even when other lenders say no.
Can I get holiday loans with no credit check?
We cannot offer guaranteed approval on loans, and all loan applications at Swoosh are subject to a credit check as part of our commitment to responsible lending. However, our main focus is assessing your current ability to repay the loan. So while we do conduct credit checks for holiday loans, past credit mistakes won’t necessarily hold you back from getting the cash you need.
Eligibility criteria
Wondering if you can get a loan for a holiday? We’ve made it easy to apply, so you can stop stressing and start enjoying your trip.
Be over 18 years old
Citizen/Permanent Resident of Australia
Employed for at least 3 months
Own a vehicle registered in your name
What makes us the best holiday loan lenders?
We pride ourselves on having one of the fastest, easiest, most streamlined travel loan processes on the market. Check out our reviews to hear from our satisfied customers.
Rather than navigating tons of paperwork and dodging hidden costs, Swoosh works with you to offer the best possible secured holiday loans for your circumstances. It’s this kind of convenience that makes Swoosh one of Australia’s preferred small loan providers.
Responsible lending
It is important to remember that Swoosh is a responsible lender. This means that we will ensure we only loan to you what you can comfortably repay. We have a dedicated customer support team to help make sure your whole loan experience with Swoosh is one that you will be happy to repeat.
We’re looking out for you so you can enjoy your holiday stress-free – apply for a loan now or check out our blogs for some inspiration:
FAQs
Can you get a loan for a holiday?
Yes! And boy, do some of us need it after the year we’ve had. Just apply online with Swoosh for a secured loan of up to $5000 and you could be heading off on your trip sooner than you think.
How do holiday loans work?
At Swoosh, our holiday loans are secured quick and simple cash loans of between $2200 and $5000. Some people call them Payday Loans. Use the repayments calculator on this page to tell us how much you’d like to borrow and find out what you’d have to repay each week, fortnight or month (whatever’s easiest for you).
Learn more: How to apply for a payday loan online
Can you use a personal loan for a holiday?
At Swoosh, we don’t mind what you use your loan for. If you’re an Australian citizen or permanent resident, at least 18, own a vehicle and are employed in some way, you’re eligible to apply for a travel and holiday loan. Applications are free and 100% online.
Can I take a loan and travel?
Sure! Whether you’re planning a week’s holiday or an extended period of travel, you can take out a personal loan with Swoosh.
How quickly can I get my holiday loan?
Since our application and approval process is 100% online, in most cases, if you supply all the information we need, we can transfer the money to you that same day.
What will my repayments be?
Use our personal loan repayments calculator to find out what you would need to repay. We take a flexible approach to repayments so you can make repayments to your loan every week, every fortnight, or every month—whichever works best for you.
Are vacation loans worth it?
That really depends on you. Sometimes what you really need after a long and stressful year is just to get away for a while. And a holiday loan can help you get the extra cash you need to make it a reality. As long as you’re comfortable with the loan terms and repayment schedule, a holiday loan could be worth it for you.
Can I get a holiday loan with no credit check?
As responsible lenders in Australia, we do not offer no credit check loans. We need to verify your financial situation to ensure you can reasonably afford to service the loan. This is an important step in the loan application and approval process. If you are worried that a bad or poor credit score might hold you back, then check out our bad credit loans.
Do holiday loans affect credit rating?
These are some of the key ways a personal loan for a holiday can affect your credit rating:
- Making payments on time and managing your debt responsibly can help improve your credit score over time.
- ‘Hard checks’ on your credit file during the application process will cause a temporary dip in your credit score.
- Any missed payments and defaults will have a negative impact on your credit score.
Find out How to Check Your Credit Score in Australia and stay on top of your credit file. Or find out more about how personal loans could help improve your credit score.
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