Stop dreaming, start packing

See more of the world with a low rate RateSetter holiday loan. Borrow from $2,001 to $45,000 for terms from 6 months to 5 years.

RateSetter wins Canstar & Mozo awards

Need a holiday?

Our fast online application and flexible payment options make planning your dream trip simple and easy

Start here

Takes 1 minute and won't affect your credit score

Low rate personal loans for your next holiday

Whether for a destination wedding, a trip with the family or a last-minute getaway, a RateSetter loan is a smarter way to finance your next holiday.

  • Low interest rates

    We reward your good credit history with lower rates

  • Flexible loan options

    Secured and unsecured personal loans from $2,001 to $45,000, from 6 months to 5 years

  • Simply smarter

    No exit fees, no early repayment penalties, and easy online loan management

  • Fast online application

    Get your personalised rate in 1 minute, then complete an application in minutes

Holiday loans in 48 hours

Save time before applying by making sure:

  • You are aged 21 or over
  • You are an Australian citizen or permanent resident
  • You have a regular source of income
  • You have a good credit history

Get a RateEstimate now
  1. 1

    Apply online 5 minutes

    Find your personalised rate with our 1 minute RateEstimate (it won't affect your credit score), then complete our easy online application in minutes
  2. 2

    Hear from us 2 hours

  3. 3

    Get a decision 24 hours

  4. 4

    Receive your funds 48 hours

Low rate holiday loans and no early repayment penalties


Value of loans funded

10,000+ delighted borrowers

Pay for your next trip with Australia's top rated personal loans

RateSetter personal loans are rated 4.8 / 5 by actual borrowers on independent review website RateSetter has the highest rated personal loan in Australia.

RateSetter wins Canstar and Mozo awards

"Easy process and great service beats the banks not only in customer service but also the interest rates are better. Can only highly recommend."

Helmut Perth

"Was happy with the service, the user friendly website, the easy to understand terms and conditions and the lack of fees and interest on their loans! "

Jireh Sydney

"The team at RateSetter went out of their way to assist me, nothing was too much trouble they were fantastic and very professional at all times."

Wen Brisbane
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Frequently asked questions

Ready to apply for a travel loan?

Get a RateEstimate now

RateSetter personal loan repayment terms range from 6 months to 5 years. Interest rates range from 3.7% (comparison rate 10.01%) to 9.6% (comparison rate 11.45%), subject to change depending on the rates offered by lenders in our Lending Markets. 

* Representative example: For a 36 month, $10,000 loan for a borrower with a good credit history at a comparison rate of 10.2% p.a., the estimated total amount payable including fees is $11,650 (interest payable is $1,412). 

Rates stated as at 9:00 AM, 18 January 2017 and are subject to change. RateSetter credit criteria and terms and conditions apply. 

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