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

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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 holiday loan is a smarter way to finance your next getaway.

  • 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 in 5 minutes

    Complete our fast and simple application in less than 5 minutes
  2. 2

    Hear from us in 2 hours

  3. 3

    Get a decision in 24 hours

  4. 4

    Receive your funds in 48 hours

Low rate holiday loans and no early repayment penalties


Value of personal loans funded

24,000+ 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?

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RateSetter personal loan repayment terms range from a minimum of 6 months to a maximum of 5 years. Interest rates range from 4.0% p.a. (comparison rate 11.17% p.a.) to 17.9% p.a. (comparison rate 18.43% p.a.), subject to change depending on the rates offered by lenders in our Lending Markets.

*Representative example: Based on $10,000 loan with a 36 month term for a borrower with a good credit history at a comparison rate of 11.17% p.a. the estimated total amount payable including all applicable fees is $11,815 (interest payable is $1,337.40).

Rates stated as at 6 November 2018 and are subject to change. RateSetter credit criteria and terms and conditions apply.

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