Holiday Loans

Looking forward to a holiday?

PersonalBorrow $2k - $40k

OnlineInterest rates from 11.95% p.a unsecured*

Time7-minute personalised quote

DaySame-day payout if approved

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How much do you need for your holiday?

$20000

$2,000 $40,000

Repayments as low as

$124.27

per

over

total payable
$25,849

Take a look at what other Kiwis say about us

Why use a personal loan to help pay for your next holiday?

Simplify

Finance your special holiday

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.

Fixed Interest Rate

Get a fixed interest rate

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.

Why choose Nectar Money for a holiday loan?

Get your personalised loan quote
as soon as 2:04 pm*

  • Simple, 7 minute application

    Apply online today and get your personalised loan quote.

  • Choose a loan option

    Select the amount and payment option that suits you.

  • Receive funds as soon as today

    If approved, we aim to have the funds in your account the same day as your contract being signed online.

* A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions.
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Up front rates with no hidden fees

Unsecured

Loan sizes

Unsecured
$2,000 - $40,000

Establishment Fee

Establishment fee

$240
$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a.)

11.95% - 29.95%

Loan Terms

Loan terms

6 months - 5 years

Loan features:

  • Loans are unsecured
  • No early repayment penalties
  • We fix your personalised interest rate for the life of the loan
  • You can make repayments weekly, fortnightly or monthly depending on your pay cycle

Get a Nectar Money Holiday Loan today

1. What can I use a holiday loan for?

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

2. How fast can I get the money?

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

3. How much can I borrow and for how long?

You can apply to borrow $2,000–$40,000 with terms from 6 months to 5 years, subject to lending criteria and affordability checks.

See more: Ready for a holiday? Consider a holiday loan

4. Can I repay my holiday loan early?

Yes. You can make extra repayments or pay off your loan in full at any time, with no early repayment penalties.

See more: Ready for a holiday? Consider a holiday loan

5. Is a holiday loan better than using a credit card?

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

6. Can I use a holiday loan for domestic travel?

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

7. Can it cover Trans-Tasman or Pacific travel?

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

8. What if my travel costs change after booking?

If expenses are lower than planned, you can make extra repayments. If costs rise, you may be eligible to apply for a top-up.

See more: Ready for a holiday? Consider a holiday loan

9. Do I need travel insurance?

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

10. How can I keep my holiday affordable?

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

11. Can I use one loan for family or group travel?

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

12. What do I need to apply?

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



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Check your rate

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Terms and conditions
1 A Nectar Money loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar Money’s personalised interest rates are from 11.95% p.a – 29.95% p.a fixed based on your unique circumstances. A $240 establishment fee and $1.75 admin fee per repayment applies. There are no early repayment penalties.