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Can you get a loan for a holiday?

Yes! And boy, do some of us need it after the year we’ve had. Just apply online with Swoosh for a secured loan of up to $5000 and you could be heading off on your trip sooner than you think.


How do holiday loans work?

At Swoosh, our holiday loans are secured quick and simple cash loans of between $2200 and $5000. Some people call them Payday Loans. Use the repayments calculator on this page to tell us how much you’d like to borrow and find out what you’d have to repay each week, fortnight or month (whatever’s easiest for you).

Learn more: How to apply for a payday loan online


Can you use a personal loan for a holiday?

At Swoosh, we don’t mind what you use your loan for. If you’re an Australian citizen or permanent resident, at least 18, own a vehicle and are employed in some way, you’re eligible to apply for a travel and holiday loan. Applications are free and 100% online.


Can I take a loan and travel?

Sure! Whether you’re planning a week’s holiday or an extended period of travel, you can take out a personal loan with Swoosh.


How quickly can I get my holiday loan?

Since our application and approval process is 100% online, in most cases, if you supply all the information we need, we can transfer the money to you that same day.


What will my repayments be?

Use the repayments calculator on this page to find out what you’d need to repay. We take a flexible approach to repayments so you can make repayments to your loan every week, every fortnight, or every month—whichever works best for you.


Are vacation loans worth it?

That really depends on you. Sometimes what you really need after a long and stressful year is just to get away for a while. And a holiday loan can help you get the extra cash you need to make it a reality. As long as you’re comfortable with the loan terms and repayment schedule, a holiday loan could be worth it for you.


Can I get a holiday loan with no credit check?

As responsible lenders in Australia, we do not offer no credit check loans. We need to verify your financial situation to ensure you can reasonably afford to service the loan. This is an important step in the loan application and approval process. If you are worried that a bad or poor credit score might hold you back, then check out our bad credit loans.


Do holiday loans affect credit rating?

These are some of the key ways a personal loan for a holiday can affect your credit rating:

  • Making payments on time and managing your debt responsibly can help improve your credit score over time.
  • ‘Hard checks’ on your credit file during the application process will cause a temporary dip in your credit score.
  • Any missed payments and defaults will have a negative impact on your credit score.

Find out How to Check Your Credit Score in Australia and stay on top of your credit file. Or find out more about how personal loans could help improve your credit score.


Swoosh Finance Star Rating sam johnston
Jade was really easy to deal with very efficient and I had no dramas understanding any of the things she needed to complete
sam johnston
Swoosh Finance Star Rating Donna Moroney
Caring excellent customer service very efficient fast with email replies very helpful every step of the way would highly recommend her
Donna Moroney
Swoosh Finance Star Rating clint bindley
I've always had a good experience with swoosh and today with Ana was no different, she gets back to me really quick and is easy to deal with
clint bindley
Swoosh Finance Star Rating Eric & Zephy
Carin has been really helpful in assisting me with my application. Very professional! Thanks so much Carin!
Eric & Zephy
Swoosh Finance Star Rating Melissa Wilson
Fast service friendly team. Ana has been wonderful. Recommending her highly.
Melissa Wilson
Swoosh Finance Star Rating Tales from the Crypto
Had excellent service bestowed my way with Swoosh, always up and ready to help. Stacey, Carin and others help out in every way possible, timely responses and overall a pleasure. Thanks Swoosh team :-)
Tales from the Crypto
Swoosh Finance Star Rating Naseer Mansour
Swoosh is a professional high quality business and would like to thank in particular Stacey and Ryan for their professionalism in dealing with customers and their knowledge and responsiveness to processing applications.
Naseer Mansour
Swoosh Finance Star Rating Tohi Ridings
Very helpful and very understanding. I dealt with Ana and she was an absolute pleasure to deal with.
Tohi Ridings
Swoosh Finance Star Rating J R
Great service..very helpful and hands on with customers. Process went smooth n fast. Thanks you Ana for your great help .much appreciated
Swoosh Finance Star Rating Shayne Khan
Highly recommended if you meet the criteria, very helpful staff have dealt with them all on multiple occasions. Ana is amazing at what she does extremely easy to deal with and gets things done...
Shayne Khan

The Swoosh difference

Our Cash Loans are available when you’re in a pinch — and we work hard to make it happen fast.

We put you first, ensuring you have all of the information upfront.

Swoosh Cash Loans give you the funds you need now from a lender you can trust.

Want to chat to someone?

Use our live chat or fill out the contact form to get in touch with a Swoosh Finance specialist