Personal Loan for Travel Made Easy with Fintell Finance

Have you ever been this close to booking that dream trip, only for your savings app to hit you with reality? The flights look good, the accommodation’s on sale, your mates are booking already… but your bank balance says, “maybe next year.”

We’ve seen that moment more times than we can count. After 20 years helping South Australians fund their big goals, one thing’s clear: saving for travel isn’t easy. Life keeps getting in the way, from rent to car repayments, fuel, kids’ stuff, you name it. That’s why more people are choosing personal loans for travel rather than putting everything on a credit card.

It’s not about splurging but being smart, locking in your plans now, paying it off steadily, and knowing exactly what it’ll cost you each month.

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Why Even Consider a Personal Loan for Travel?

An average overseas holiday from Australia now costs roughly $6,000–$8,000 per person. Throw in a family of four, and you’re looking at $20k easily once you include flights, accommodation, food, and travel insurance.

That's not all. A new Compare the Market survey cited by Travel Monitor shows a surprising trend among Australian travellers. Holidaymakers are overspending on their travels by a whopping $11,500 on their last trip.

So, if you're trying to save all that while juggling daily expenses, that’s a long stretch!

That’s where a personal loan for travel comes in handy. Instead of waiting years to save, you can spread the cost out over time and often pay less in interest than what your credit card would charge. Most credit cards sit at around 19–22% interest, while a travel loan can sit as low as 7.5–11% p.a.

Here’s what you can use it for:

• Return flights (especially during peak periods when deals vanish fast)

• Airbnb or hotel stays for longer trips

• Family reunions, weddings, or destination events

• Emergency funds for medical or travel hiccups

• Car rentals or public transport passes

We’ve had clients in Adelaide use travel loans for everything from attending a cousin’s wedding in Greece to taking their kids to Disneyland before they got “too cool” for Mickey Mouse.

If you’re already managing other finances like car loans, this kind of structured repayment is familiar, but with far more flexibility.

How Fintell Finance Keeps It Simple

At Fintell Finance, we keep the whole thing straightforward with no runaround and no “we’ll get back to you in three weeks.”

Our team has been helping Aussies secure loans for over two decades. We get that time is everything, especially when flight sales only last 72 hours. So we move fast. Many approvals land within 24 to 48 hours.

Here’s what makes our travel loans different:

Clear repayments: You’ll know exactly what comes out each month.

Flexible terms: Borrow between $5,000 and $50,000, over 1 to 7 years.

Fixed rates: Your repayment won’t jump up halfway through your plan.

No hidden fees: What you see is what you pay.

Let’s use an example:

You borrow $15,000 for an overseas trip. We secure you a fixed rate of 9.5% p.a. over 3 years.

Your monthly repayment? About $480.

Over the whole term, you’d pay roughly $2,280 in interest with a total cost of around $17,280.

Compare that to putting $15k on a credit card at 20%. You’d pay over $5,000 in interest if you made minimum repayments.

We’ve helped clients in Adelaide, Perth, Melbourne, and Sydney book their dream trips, pay off credit cards, and even finance motorbike loans or caravan loans to take on local adventures around South Australia.

Steps to Get a Personal Loan for Travel

Getting started’s pretty easy. You can apply online, over the phone, or drive into our Adelaide office. Here’s the quick rundown:

1. Apply in minutes: Share your income, ID, and loan purpose (we’ll handle the paperwork).

2. We assess your profile: We’ll check your credit score, income, and comfort zone.

3. Approval and payout: Once approved, funds hit your account within 24–48 hours.

4. Book and enjoy: Go ahead, grab those early-bird flights and pay them off smartly.

It’s that easy.

Quick Repayment Guide

Loan Amount	Term	Interest (p.a.)	Approx Monthly Repayment	Total Interest
$10,000	3 years	9.5%	$320	$1,500
$15,000	4 years	10.0%	$380	$2,240
$20,000	5 years	10.5%	$435	$2,800
$30,000	6 years	11.0%	$550	$3,800

Figures are ballpark based on typical Aussie lender rates in 2025.

Smart Tips Before You Get a Personal Loan for Travel

Let’s share a real situation with you.

A 27-year-old in Adelaide earning $140k wanted a $20,000 loan to attend a mate’s wedding in Greece and pay off his $7,300 NAB credit card. His credit score was 818, and he had a $740/month car loan.

Not bad.

But he was torn between saving more and borrowing.

Here’s the truth: if your credit card balance sits high and you’re only paying the minimum, you’re not “borrowing” but feeding the interest. That same $20k on a credit card at 19.99% would cost over $9,000 in interest over a few years.

A personal loan, on the other hand, gives you structure. You know when it starts, when it ends, and how much it costs.

Here’s how to make it work smarter for you:

• Don’t overborrow: Only take what you need. If your trip costs $10k, don’t borrow $20k “just in case.”

• Compare rates properly: Don’t fall for teaser rates. Always check the comparison rate. It includes fees.

• Keep repayments under 20% of your monthly income: It keeps things comfortable if your income dips.

• Automate payments: Set them up directly from your account so you never miss a date.

• Check your credit before applying: Use Credit Savvy or Equifax to ensure everything looks clean.

If you’re planning something more local, we also offer marine loans and other lifestyle financing options, perfect if your “holiday” is a new boat down at Glenelg.

Frequently Asked Questions

Can I use a personal loan for overseas travel?

Absolutely. You can use a personal loan for travel to pay for flights, accommodation, travel insurance, and even spending money while you’re away. Many of our clients in Adelaide have used it for things like attending family weddings in Greece or visiting loved ones in the UK. The funds go straight into your account, so you’re in full control of how and when you spend it.

How much personal loan can I borrow?

It depends on your income, credit score, and existing financial commitments. Most lenders, including us, offer travel loans ranging from $5,000 to $50,000. The average Aussie borrower usually takes around $15,000–$25,000, which comfortably covers a two- to three-week overseas trip for two people. A clean credit record and stable job history will usually get you better rates and higher approval limits.

How fast can I get approved?

Once you submit your application and documents, approvals typically happen within 24 to 48 hours. We’ve seen clients in Adelaide receive same-day approvals, especially when their income verification and ID checks are completed instantly through digital banking tools. After approval, the funds are usually transferred within one business day, so you can book those flight deals before they vanish.

Can I pay off a personal loan early?

Yes, you can. Fintell Finance doesn’t penalise early repayments. In fact, it’s encouraged. Paying off your loan early can save you anywhere from $200 to $1,000 in interest, depending on your loan size and term. Some of our clients clear their loans in 12 months instead of 36 and use the savings for their next trip.

Do I need collateral for a personal loan?

No, you don’t. Our personal loans are unsecured, meaning you don’t need to use your car, home, or any asset as security. Your eligibility is based on your income, credit history, and ability to repay. It’s designed to be simple and stress-free.

Let’s get you funded! Call us now on +61 422 249 815 or email hana@fintellfinance.com.au. We’re available Mon–Fri, 8:30 AM–5:30 PM (AEST) and ready to support your financial journey. Visit our contact page or chat with us on WhatsApp.