Travel loans
from 9.90% _p.a.*

Need help funding your next trip? Unity offers travel loans to Kiwis throughout NZ, with an easy online application and flexible repayment options.

Apply now

Travel loans
from 9.90% _p.a.*

Need help funding your next trip? Unity offers travel loans to Kiwis throughout NZ, with an easy online application and flexible repayment options.

Apply now

Explore more with a travel loan

Planning to visit whānau, celebrate a big occasion, or finally tick off that dream destination?

A Unity travel loan can help you get there without the wait. Apply online in minutes and start planning your next adventure.

Apply online

What is a travel loan?

A travel loan is simply a personal loan you use to pay for travel or holiday costs such as flights, accommodation, or even a bit of spending money.

Instead of saving for years or using a high-interest credit card, you borrow what you need upfront and repay it in regular instalments that fit your budget. With Unity, that may mean:

A set interest rate (starting from 9.90% p.a. secured)
Fixed repayments, making it easier to budget
The freedom to repay early if you want to, with no extra fees

It’s a simple and transparent way to spread the cost of your trip.

secured loans from
9.90% p.a.*

Maximum loan amount $60,000. Affordability and credit score criteria apply.

unsecured loans from
12.90% p.a.*

Maximum loan amount $40,000. Affordability and credit score criteria apply.

Travel loan calculator

Interest rate

9.90% p.a

Amount I want to borrow

Weekly repayments

$2,000 $40,000

Apply now

This example is calculated using a secured loan rate of 9.90% p.a. over a [repayment-years] year term. Total cost of borrowing over loan term would be [total-repayments] (indicative only). This example is not an offer from Unity. How much you can borrow and repayments depend on your personal circumstances. Secured floating interest rates from 9.90% - 21.90%. T&Cs apply. $200 application fee + other fees apply. View a full list of rates and fees.

When could a travel loan help?

There are plenty of reasons Kiwis take out a travel loan, and it’s often about more than just a holiday. A Unity travel loan could make things easier if you need to:

Visit family or friends overseas
Attend a wedding or other special occasion
Take that once‑in‑a‑lifetime trip you’ve been planning for years
Cover unexpected travel for a family emergency or medical procedure

Who can apply for a travel loan?

To be eligible for a Unity personal loan, you’ll need to meet the following criteria:

Be 18 years or older
Be a New Zealand citizen or hold a Permanent Resident Visa
Be able to provide proof of identity
Be employed (and have a regular income)
Have a permanent or fixed address
Have a satisfactory credit report

Apply now

What makes Unity different?

As a credit union, we're owned by our members, not shareholders. That means every decision we make is about helping people, not chasing profits.

Here’s why Kiwis choose Unity when looking to consolidate their debts.

Borrow from $2,000 up to $40,000 unsecured (or $60,000 secured)
Competitive rates starting from 9.90% p.a.*
Quick, 100% online application
Flexible repayment options to suit your budget
Personalised service from a local, friendly lending team

Apply now

Helpful travel finance guides

Travel loan or credit card? Which is better for your trip?

Not sure if you should swipe the card or take out a loan? We break down the pros and cons so you can travel without getting stuck with sky‑high interest.

Travel loan vs credit card >