Make your travel dreams a reality!
Borrow up to $50,000 to book your next holiday with Plenti.
Join thousands of Australians who have turned their dream escapes into reality with Plenti, funding over $100 million in adventures!
We're a multi-award winning personal lender
What is a travel loan?
A travel loan is a type of unsecured personal loan designed to help you finance your next adventure without dipping into your savings. It allows you to cover various holiday expenses—like airfares, accommodation, tours, and new travel gear—while spreading the cost over fixed monthly repayments.
So whether you're planning a big family holiday or looking to top up your travel fund, a travel loan can help. A travel loan enables you to embark on your dream trip sooner, freeing you to enjoy your adventure while managing your budget effectively.
Discover your possibilities with a Plenti travel loan
$0 monthly fee Flights
Whether you prefer economy or business class, we've got your flights covered for both domestic and international travel.
Activities
Craft an unforgettable itinerary packed with experiences that will be the highlight of your travel story.
Accommodation
Elevate your entire holiday experience by booking the perfect accommodation.
Spending money
Indulge in local cuisine and immerse yourself in the culture without worrying about day-to-day expenses.
Transport
Tailor your travel style with options like renting a car, booking train tickets, or embarking on a cruise—all while taking in the breathtaking scenery.
Emergency Fund
Prepare for the unexpected aspects of travel with a reliable emergency fund.
Stress-tree travel finance made easy with Plenti
Borrow up to $50,000
Fast funds in as little as 24hrs from approval
$0 monthly fee
1-7 year loan terms
$0 early repayment fee
Personalised interest rate
Get a quote with no impact on credit score
Any personal information we hold and transfer about you is always secure
Plan with precision with our travel loan repayment calculator
Use our travel loan repayment calculator to estimate your monthly repayments and ensure a stress-free financial journey.
How to plan for you next holiday
Research & Compare
Explore your destination and gather information on local attractions. Shop around for the best deals on flights and accommodation.
Budget
Calculate the total costs, including travel, accommodation, meals, and activities, while considering exchange rates and any necessary visas.
Book & Apply
Apply for a personal loan online to help fund your trip, secure your flights and accommodations, and get ready for your adventure!
Eligibility criteria
You should be at least 18 years or older
You should be an Australian citizen or permanent resident.
Maintain a good credit history
Earn over $25,000 annually from a verifiable, regular income source
See how our rates stack up
Compare our personal loan interest rates against the big 4 banks (including CommBank, Westpac, ANZ, & NAB)
Funding your trip is easier than ever before
Receive your personalised rate
Get your obligation-free rate in just 60 seconds without affecting your credit score
Complete your application online
Complete your application online - submit documents securely, track progress and chat with us.
Get your funds quickly
Receive your funds in as little as 24 hours after approval.
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Once your travel loan application is approved, the funds are directly deposited into your specified account. This allows you to either book your dream holiday or alleviate the financial strain from a recent trip by settling credit card bills.
Initial repayment begins 30 days after signing the loan contract and covers principal, interest, and fees. The total repayment period, as set out in your loan contract, is determined by the loan amount, rate, and selected term, and is there to help you complete repayment of your loan within the specified timeframe.
Utilise our travel loan repayment calculator to estimate your monthly repayment, which varies based on the borrowed amount and rate.
Applying for a travel loan with Plenti is a swift and straightforward online process. Upon confirming your eligibility, you can obtain a rate estimate by completing the rate estimate here. If you are satisfied with the estimated rate and repayment terms, you can seamlessly progress to the next steps by clicking through to the application.
During this process, be prepared to verify your identity and income. By having your identity documents and bank statements ready, you can ensure a smooth application experience.
Generally, fees for a travel loan can include an establishment fee, monthly account-keeping fee, additional payment fee, early exit fee and missed or late payment fees.
For a Plenti travel loan, the fees that apply include a credit assistance fee (establishment fee) and a missed payment fee. Fees Plenti does not charge include monthly account keeping, additional repayments or early loan termination fees.
If you choose to apply through a personal loan broker, you may need to pay other fees such as an origination fee, however, this will be agreed upon with your broker before they submit an application with Plenti on your behalf.
To qualify for a Plenti travel loan, you must meet the following criteria:
- Age: 18 years or older
- Citizenship: Australian citizen or permanent resident
- Income: earn over $25,000 annually from a verifiable, regular income source
- Credit history: maintain a good credit history
If you're self-employed and uncertain about your eligibility, don't fret. You can apply as long as you have been in your current role for at least 12 months.
A travel loan can make your dream adventure more attainable by helping you manage and spread out the costs.
Instead of using your savings upfront, a travel loan allows you to cover your trip expenses with fixed monthly repayments over a set period.
When determining how much to borrow, consider adding a buffer for unexpected expenses. It's always wise to have extra cash on hand to cover any unforeseen costs. If you end up not needing the extra money, you can simply repay it to the lender after your trip.
To keep expenses low throughout your travels, try the following tips:
Spending Tips
- Plan Ahead and Save: Purchase groceries and prepare your own meals to save on dining costs. Consider alternate accommodations like Airbnb, and keep an eye out for online deals to secure the best prices.
Getting Around
- Use Efficient Transportation: Utilise public transport such as trains, subways, and buses. Travel light to avoid extra baggage fees, rent cars from locations away from the airport, and choose smaller, fuel-efficient cars. Whenever possible, walk to nearby destinations.
Accessing Cash
- Bank Smartly: Use cards that offer free international transactions to avoid fees. Monitor currency exchange rates to get the best deal. Avoid impulse buys and stick to a budget and take advantage of duty-free shops for tax-free items.
These tips can help you manage your travel budget effectively while maximising the benefits of your travel loan.
The minimum amount you can borrow with a travel loan from Plenti is $5,000, and the maximum is $50,000
You can use Plenti’s personal loan calculator to find out your estimated loan repayments.
