Holiday loans NZ – finance your well-earned break
Life moves fast—sometimes you just need to pause, unplug and explore. Real Finance’s holiday loans put a getaway within reach now, so you can recharge today and repay over time.
Why choose a holiday loan with Real Finance?
60-minute conditional approval
Finish the 5-minute form, hear back within the hour.
Borrow only what you need
$1,000 – $50,000*, with terms up to 36 months to fit your budget.
Fixed interest for certainty
Annual rates 9.95% – 39.95% p.a.; every repayment is locked in.
100% online
Upload docs and E-Sign on your phone or laptop—perfect if you’re already on the road.
No hidden penalties
Repay extra or clear the balance anytime; only a $12 closure fee on full settlement.
What can a holiday loan cover?
- Flights, cruises, camper-van hire or fuel
- Hotels, Airbnb, tour packages and theme-park tickets
- Travel insurance, passports and visas
- Camping gear or ski passes for local getaways
- Any other costs that make a memorable break
Quick eligibility checklist
- 18 + NZ resident with valid driver licence or passport
- Regular income – wages, salary or self-employed earnings
- Three months’ bank statements (PDF/CSV)
- Comfortable loan repayments once usual living costs are covered
How much will it cost?
Use our calculator—enter amount and term to see the exact repayment. Pay extra or settle early anytime; only a $12 close-out fee.
Available loan amount
From $1,000 to $100,000
Terms
2 – 30 months
Repayments
Starting from $35 per week
Security options
Household chattels, Vehicles, Property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Holiday loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into our account. A truly seamless experience.”
Frequently asked questions
Can I pay for flights and accommodation separately?
Yes—borrow the full bundle or just the flight cost; we pay funds direct to you.
Do I need a deposit?
Not for loans up to $20,000. A deposit or collateral can lower your rate on larger amounts.
Will multiple loan applications hurt my credit?
One enquiry has minimal impact; several in a short time may reduce your score.
What if my plans change?
Shift the trip, take a top-up or repay early—our team can adjust terms to suit.
We’re here to help
Have more questions about travel-loan amounts, repayment flexibility, or approval speed? Contact our team for personalised support.
Ready to explore life?
Apply online now or phone 0800 21 21 21. Real Finance will get your holiday funded—fast, flexible and completely transparent.
