Borrow $2k - $40k
Interest rates from 11.95% p.a*
7-minute personalised quote
Same-day payout if approved
Paying for a holiday on a high-interest credit card can be costly. A fixed-rate Nectar Money personal loan can be used to pay the costs of your trip with a simple weekly, fortnightly or monthly payment.
With a holiday loan from Nectar Money, your interest rate and repayment amount is fixed for the life of the loan. You’ll know exactly what your repayments are and how many of them you’ll need to make in order to pay off your loan.
Apply online today and get your personalised loan quote.
Select the amount and payment option that suits you.
If approved, we aim to have the funds in your account the same day as your contract being signed online.
$2,000 - $40,000
$240
$1.75 admin fee per repayment
11.95% - 29.95%
6 months - 5 years
You can use a holiday loan to cover flights, accommodation, tours, car hire, and travel insurance. Many borrowers also set aside a buffer for unexpected costs.
See more: Holiday Loans NZ: A Complete Guide
You’ll receive a personalised quote online in minutes. Once approved and documents are signed, funds are typically transferred the same day.
See more: Fast Online Loans for Travel
You can apply to borrow $2,000–$40,000 with terms from 6 months to 5 years, subject to lending criteria and affordability checks.
Yes. You can make extra repayments or pay off your loan in full at any time, with no early repayment penalties.
Credit cards are useful for small purchases and deposits, but unpaid balances often attract higher, variable rates. A fixed-rate holiday loan gives you predictable repayments and a clear end date.
See more: Holiday Loans NZ: A Complete Guide
Yes. Many customers use their loan for local adventures such as road trips, campervan hire, or family getaways within New Zealand.
See more: Travel NZ on a budget – how a personal loan can help
Yes. Whether you’re visiting family in Australia or exploring the Pacific Islands, a holiday loan can cover flights, accommodation and spending money.
See more: How a holiday loan can help with Trans-Tasman travel
If expenses are lower than planned, you can make extra repayments. If costs rise, you may be eligible to apply for a top-up.
While optional, travel insurance is highly recommended—especially for international trips. Many borrowers include the cost in their holiday loan budget.
See more: Holiday Loans NZ: A Complete Guide
Plan ahead, travel off-peak, book in advance, and set a daily budget. Small savings like preparing meals or bundling activities can make a big difference.
See more: Budgeting tips for Christmas & the summer holidays
Yes. A single loan can cover multiple travellers’ costs, which you can then split within the group. This can be easier to manage than multiple cards.
See more: Fast Online Loans for Travel
Have valid photo ID, proof of income, and recent bank statements ready. This helps speed up the application and funding process.
See more: Holiday Loans NZ: A Complete Guide
Are you prepared for Christmas and summer holidays? How can you save on Christmas gifts, have a budget friendly holiday?
Read MoreBucket list holidays, once in a lifetime family vacations and luxurious honeymoons are accessible with a holiday loan.
Read MoreThe opportunity to travel across the ditch is firmly back in the mind of Kiwis as our borders open up
Read MoreConsolidate multiple loans into one payment
Buy a car today with our car loans
Get a home improvement loan with a competitive rate
Take care of your holiday costs in advance
Take control and pay off unexpected expenses
Manage your wedding expenses and ensure your special day runs smoothly
