Travel doesn’t wait for a bigger bank balance, and neither should you. A holiday or travel loan lets you cover flights, accommodation, and activities upfront, then repay the cost in fixed instalments over a term that fits your budget.
Finance Now Holiday & Travel Loan: best for last-minute getaways and family trips abroad
Finance Now’s version of this loan is built specifically around travel, with amounts from $1,000 up to $60,000 and terms from 6 to 60 months.
Because the rate and repayments are fixed for the life of the loan, there’s no guessing what next month’s bill looks like — a useful trait when you’re also juggling holiday spending money and last-minute bookings.
Should I get a Holiday & Travel Loan from Finance Now?
Finance Now has been lending to New Zealanders since it was founded in 2000 by Phil Ellison and Wayne Evans, growing with the backing of SBS Bank from a home-office start-up into a billion-dollar company with over 240 staff across Invercargill and Auckland.
For travellers who want a straightforward, no-surprises product, Finance Now’s transparent fee structure (a one-off $215 establishment fee and $2.50 monthly service fee, both disclosed before signing) makes it easier to compare the true cost against a credit card or buy-now-pay-later plan.
How to get a Holiday & Travel Loan from Finance Now
To get the Holiday & Travel Loan, you need to:
- Be a New Zealand citizen or permanent resident currently living in New Zealand
- Be at least 18 years old
- Have your weekly, fortnightly, or monthly after-tax income details on hand
- Have your employment information ready
- Present valid proof of identity, such as a passport or driver’s licence
Apply for the loan:
- Use the online calculator to estimate repayments for your loan amount and term
- Complete the online application form with your income, employment, and ID details
- Wait for a decision, which Finance Now aims to deliver quickly subject to responsible lending checks
- Once approved, receive your funds, often within 24 hours
FAQ
1. Can I get a loan from Finance Now without a job?
Finance Now’s application asks for after-tax income details and employment information as part of its responsible lending checks, so a job isn’t the only factor, but you’ll need to show a reliable income source to be assessed.
2. How much will I get approved for with the Holiday & Travel Loan?
Approved amounts range from $1,000 to $60,000 and depend on your income, expenses, and credit history. The online calculator gives a guide, but your actual offer is confirmed after a full application review.
3. How do I pay off my Holiday & Travel Loan?
Repayments are fixed and set up as weekly or monthly automatic payments for your chosen term of 6 to 60 months. You can also repay early at any time without an early repayment penalty.
4. How do I cancel a loan application with Finance Now?
If you need to withdraw an application before it’s finalised, contact Finance Now directly through its customer service channels as soon as possible; once a loan is fully settled and funds are paid out, it’s treated as an active loan rather than a pending application.