Don't let saving hold you back from the experiences that matter. Apply once with Lending Room and we match you to the right lender for your travel finance. Rates from 8.99% p.a. with no impact on your credit score from our check.
A travel loan can cover almost any travel-related expense. We match you to the right lender for your situation.
Finance your international trip including flights, accommodation, tours and spending money.
Destination weddings and honeymoons. Finance the full experience without dipping into savings.
Bring the family together for a holiday or visit loved ones overseas without the financial strain.
Travel costs associated with overseas study, exchange programmes or short courses.
NZ road trips, South Island adventures or a stay in Queenstown. Finance travel closer to home too.
Apply once and our team will match you to the right lender for your travel plans.
Apply nowOne short form. We handle the matching, the follow-up and the hard work.
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We run a soft credit check and match you to the lender on our panel most likely to get you a better deal. A soft check does not affect your credit score.
Our team contacts you with your approval. If it works for you we guide you through to settlement. No obligation at any stage.
Ready to get started?
Apply in 5 minutes. One application. A better loan deal.
We help employed New Zealanders with a good credit history finance the travel they want.
You are employed
Full-time, part-time or self-employed with verifiable income.
NZ citizen, resident or eligible visa holder
Open and employer-specific work visas with at least 13 months remaining.
Good credit history
We work with borrowers who have a clean or near-clean credit record.
Loan between $3,000 and $250,000
Terms from 6 to 84 months.
What to have ready
Having these on hand will speed up your assessment.
Your NZ driver licence or passport
3 months of bank statements
Details of any existing loans or debts
Many NZ lenders decline visa holders outright. We work with lenders on our panel who specifically cater for employed visa holders with stable NZ income and a good credit history — one application, no credit score impact from our check.
Common questions about financing your travel through Lending Room.
Can't find what you're looking for? Contact our team
We run a soft credit check during our assessment which does not appear on your credit file or affect your score. Once we match you to a lender, some accept our soft check while others may run their own. We will let you know before we submit.
Yes. Travel loans can be used for holidays, honeymoons, weddings abroad, family trips, study travel and domestic travel. Tell us your plans and we will match you to the most suitable lender.
The minimum is $3,000 and the maximum is $250,000 depending on the lender and your personal circumstances. Loan terms range from 6 to 84 months.
Same-day funding is possible for applications approved before 12pm on business days. Most applicants hear back the same day they apply.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This fee is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything and you are never under obligation to proceed. Lender establishment fees may also apply depending on the lender.
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A travel loan is a personal loan used to fund travel-related expenses. Instead of saving for months or years before booking, you borrow the amount you need and repay it in fixed monthly instalments over a term that suits your budget. This gives you access to the travel experience you want now, with a clear repayment plan in place.
Travel loans in NZ work the same way as any other personal loan. Once approved, funds are paid directly to you and you can use them to pay for flights, accommodation, tour bookings, travel insurance or any other travel-related cost. You are not restricted to a specific provider or booking platform.
Many New Zealanders use a credit card to fund travel, either by putting costs on the card and paying it off over time or by using a card with travel rewards. While credit cards offer flexibility, the interest rates charged on NZ credit cards typically range from 20% to 28% p.a. If you carry a balance for more than a month or two, the interest cost can significantly add to the total cost of your trip.
A travel loan gives you a fixed rate, a fixed term and a fixed repayment amount. You know exactly when the debt will be cleared and how much it will cost you. A credit card is revolving credit with no set end date, which makes it easy for travel spending to drag on and accumulate interest over a long period.
A travel loan makes good financial sense for trips where you know the cost in advance and want a structured repayment plan. Destination weddings, honeymoons, family reunions overseas and extended holidays are all common uses where borrowing at a competitive personal loan rate is more cost-effective than putting the spend on a credit card.
Lending Room compares 20+ NZ lenders to find you a competitive rate on your travel finance. One application, one soft credit check, no obligation to proceed.
Travel loans can cover almost any travel-related expense. This includes international and domestic flights, accommodation and tours, destination weddings and honeymoons, family travel to visit loved ones overseas, study abroad and exchange programmes, and domestic travel within New Zealand including road trips, campervan hire and regional holidays.
There are no restrictions on which travel providers or booking platforms you use. Once the funds are in your account you can book however suits you best.
Applying takes about five minutes. You will need your NZ driver licence or passport, three months of bank statements and details of any existing loans or debts. You do not need a confirmed booking or itinerary before applying.
We run a soft credit check during assessment which does not appear on your credit file or affect your score. In most cases you will hear back the same day. Same-day funding is possible for applications approved before 12pm on business days, which means you can book your travel with confidence knowing your finance is arranged.
One application, one soft credit check, matched to the right lender. Our team will help you find the right finance for your project.
