Check your rate
100% online

7-minute quote

Interest rates

from 7.95% p.a.*

Borrow from

$2K - $50K

Direct lender

100% kiwi

Estimate repayments on a Nectar holiday loan

$2,000
$50,000

per

Over

Total Payable: $27,363
Repayments as low as
$105.24
Get a personalised estimate
Check your rate

Won’t affect your credit score.

*Nectar Money's personalised interest rates are from 7.95% - 29.95% p.a fixed based on your unique circumstances. A $230 establishment fee and $1.75 admin fee per repayment applies. Calculator results are a guide based on an 11.95% interest rate and include the above fees.

Get your personalised loan quote as soon as possible*

  • 01

    Simple, 7 minute application

    Apply online today and get your personalised loan quote.

  • 02

    Choose a loan option

    Select the amount and payment option that suits you.

  • 03

    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.

Check your rate
*Nectar Money's personalised interest rates are from 7.95% - 29.95% p.a fixed based on your unique circumstances, and is subject to responsible lending checks, credit criteria and terms and conditions. A $230 establishment fee and $1.75 admin fee per repayment applies.

Up front rates with no hidden fees

  • Loan sizes

    $2,000 - $50,000

  • Establishment fee

    $230. $1.75 admin fee per repayment

  • Interest rates

    7.95% - 29.95% p.a. fixed

  • 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
Find out more about Nectar's interest rates and fees

Eligibility Criteria

  • You must be 18 or over
  • You must have an income of $350 per week (after tax) or more
  • You must be a permanent resident or citizen of New Zealand
  • You must not have any serious bad debts or payment defaults
  • You must have a New Zealand driver's licence or New Zealand passport

Frequently Asked Questions

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–$50,000 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

Our latest resources

Keen to better manage your personal finances or understand how personal loans work? We explain how to make better financial decisions, regardless of your personal situation.

Get your personalised loan quote in minutes with no obligation to accept

Check your rate