Holiday Loans

In 2018, the average amount we lent for people to upgrade to their dream holiday was $1,081. Where would you go with this money?

So it doesn’t take a rocket scientist to say holidays, on the whole, make us feel good. How could they not? It’s prime time to switch off, relax, and enjoy your well-earned time off. But here’s one you may not know yet – one of the longest studies in the world has found that holidays can actually prolong your life. YES, taking a holiday could make you live longer. If you need to get away on an amazing adventure, simply apply here and get a Nimble Loan within 60 minutes once approved*.

Taking time off and enjoying your leave is a highlight for many of us on an annual basis. But as most of us know, it comes with a price tag. To help manage the stress of holiday planning, many people opt for a Holiday Loan. It makes sense for some who prioritise the need to de-stress and enjoy time with their loved ones.

What is a Holiday Loan?

As the name implies, it’s pretty straightforward. A Holiday Loan is a loan to help cover the costs related to going on a holiday. This can be anything from flights, accommodation or money to spend when you arrive in your chosen destination. It’s a pretty great way to make sure you make the most of your time off, whatever you choose to do.

And like all things Nimble, a Holiday Loan with us is pretty easy and straightforward.

Types of Holiday Loans

At Nimble, we offer two types of loans to help cover the costs of your trip. It’s a good idea to take a look at the features of each of these loan types, so you can better understand exactly what is involved in terms of paying your loan back. At Nimble we’re very upfront about the costs associated with borrowing a loan from us because we know that lending today needs to be as easy and transparent as possible.

We know people like this because in 2018, our customers borrowed an average of $812 for airlines and/or accommodation related costs. We make lending easy so you can get on with the important things like packing.

We’ve outlined our loan features in the table below so you can understand how it all works.

Compare Nimble Loans

Loan Feature

Small Loan

Personal Loan

Establishment Fee

20% of loan amount

For loans $2,050 to $5,000: $400

For loans $5,050 to $10,000: $0

Loan Amount

$300 - $2,000

$2,050 to $10,000


20% of loan amount + 4% of loan amount each month

For loans $2,050 to $5,000:

Establishment fee of $400 + 47.6158% p.a. Comparison rate: 65.6597% p.a.**

For loans $5,050 to $10,000: Comparison rate: 47.6158% p.a.

Loan Terms

62 days to 9 months depending on the loan amount

62 days to 23 months


Both Small and Personal Loans are offered with fast approval and funds transfer*.

Please see our full Fee Statement for fee details. If you reschedule your repayments after you confirm your loan, additional fees and charges may apply.

It’s a good idea to consider how much money you think you’ll need before applying for your loan. This way you can make sure you get what you need and you don’t borrow in excess. There are some other things to consider when applying for your loan, so you know:

  1. Your main source of income must not be Centrelink.

  2. You must be over 18 years and employed.

  3. You must have an active bank account with internet banking.

Top Tips for Holiday Loans

Thinking of securing a loan for your travel plans? We have some top tips to help you to best use your Holiday Loan.

Shop around It sounds like pretty generic advice, but you should always shop around for the best deals when it comes to your holiday. There is more to the mad world of online holiday booking than you may realise. Lots of us use flight comparison tools, which are great. However, did you know that youth flight centres like STA travel and Student Flights do mega deals for under 30’s? In some cases, these brands cater for over 30’s too. You can drop them an email or give them a call and they come back to you with options. If you’re flexible on your dates and open to a few stops, you could end up saving some serious funds.

Get the right accommodation We're not tied to hotels the way we used to be. In fact, once upon a time, hotels, B&B's and hostels were our only real forms of accommodation when going on holiday. Along came Airbnb and changed the game. You can get accommodation for cheaper in amazing locations all over the world.

It’s not just Airbnb that offer the opportunity to save money, it’s a good idea to look into local sites too. Take NZ for example – here (‘batch’ being the Kiwi slang word for holiday home) is a really popular site used by lots of Kiwis. Some of these sites provide plenty of local choice at great prices.

Plan your holiday finances Budgeting is not exactly a thrilling activity, especially when leading up to your holiday. You probably have way more important things to do e.g. packing for you, packing for your partner, packing for your kids (the packing is never-ending). However, budgeting for your holiday is such a good idea because it means you can be prepared. Setting a daily estimate for food, entertainment, mobile data and setting aside an emergency fund can serve you well when travelling. It’s a good idea to think about post travelling too, paying off your Holiday Loan and planning to make things work financially post-holiday is all better planned in advance.

Thinking about leaving on a jet plane? We don’t blame you! Whether you’re hitting the snow or off to the sunshine, a Nimble Loan can help with meeting the financial demands of holidaying. It’s easy, straightforward and with no roadblocks in your way you can get your holiday funds deposited into your bank within 60 minutes*.

Nimble Holiday Loans

We all reach a point where we really need a holiday, and if you're there, holiday loans can allow you to get away, recharge, and return to work and life refreshed and ready to go. We think Nimble is one of Australia's best holiday loan company choices, so if you're looking for a loan for a holiday trip, Nimble should be your first stop.

Time for a Break? Get a Holiday Money Loan

Holidays are good for us. Most of us are struggling to maintain a healthy work/life balance, and while it might seem best to just keep plugging away at work, research suggests that we're actually better off when we take regular breaks. After a holiday, we're more productive, less likely to burn out, and better able to concentrate.

But what happens when we really need a holiday and can't afford to take one? After all, our finances and the calendar don't always stay in sync. When you know you need a holiday but need a little extra cash to get there, holiday loans are your best choice.

What Nimble Holiday Loans Cover

The great news is that you can use the money you get from a holiday loan company to cover any part of holiday plans, including:

  • A once-in-a-lifetime trip after graduation

  • The cost of travel expenses

  • Personal and regular expenses while you're away

  • Insurance and other travel extras you might need

  • Extra spending at your destination

Why Consider Holiday Cash Loans?

Most of us have regular holiday time built in to our work calendar, but a quick online loan makes it possible to truly achieve the freedom the calendar merely promises. If your calendar holiday is approaching but you don't have the cash you need to make the most of your time off, consider holiday money loans. When that once-in-a-lifetime package goes on special, a loan for a holiday package allows you to take advantage of that sale and book the trip of your dreams. When you’re feeling the pressure of work, don’t let a lack of cash keep you from taking the holiday you may need.

Why Choose Nimble For Online Holiday Loans:

Loan Choices

No two holidays are the same, and your loan should be as flexible as you are. At Nimble, we offer Small Loans in Australia between $300 and $2,000 and Personal Loans from $2,050 to $5,000. You can repay either in as few as 62 days. Short Loans can be paid off over as long as 9 months depending on the loan amount and Personal Loans can be paid off over up to 23 months.

Simple Application

There's no need to gather paperwork, worry whether you've forgotten anything, and then spend hours down at the bank. In the digital era, you should be able to get your loan online, and at Nimble we make that happen. Simply log in, connect with us, and allow us access to your bank account so we can review your income and expenses (we only ever read your bank statements in order to evaluate your incoming and outgoing expenses), and in just a few minutes we can let you know if we can loan you money and how much.

Clear Eligibility Requirements

Whatever your financial situation, connect with us to find out if we can help you get the loan you need. As long as you're over the age of 18, have an active bank account that allows you to do internet banking, and don't get the majority of your income from Centrelink, you're eligible to apply for a same day loan.

Fast Approval for Holiday Loans

In most cases, if your application is confirmed before 4:30 pm on a banking day we can get your money into your account in about 60 minutes*. We know you need your money quickly if you're going to secure the best deals for your holiday.

Lots of Experience

At Nimble, we've been doing cash loans since 2005. We know what you're looking for in a lender, and our goal is to improve your life. That's how we all get ahead!

Peace of Mind

We think the small loan process should be about you. First, we don't loan you more than you can afford to pay back. We have a lot of experience in providing loans for people in Australia, and we can help you understand exactly what you can afford to borrow.

We also offer peace of mind by making everything clear right from the beginning. There are no hidden fees or surprise costs. With a Small Loan, you pay an establishment fee of 20% of your loan amount and then 4% of the loan each month, in addition to your principal repayments, until it's paid off. With a Personal loan, you pay a $400 establishment fee no matter how much you borrow. The comparison rate on a medium Loan is 65.66% p.a**.

Easy Repayment

When you get your loan, you establish a repayment schedule. Then, we simply debit your bank account automatically on the prearranged day. You never have to worry about whether payments have gone through. We send you an email the day before to remind you so you can ensure there are funds in the account.

If you need to change your payment schedule or can't make a payment, just give us a call as soon as possible. If you call us before your debit date, we may be able to change the debit date for a $15 reschedule fee. And if you want to keep track of your loan in general, you can always log in to your Nimble account and stay on top of it all.

Using Your Holiday Loan

Once you've been approved for a holiday loan with Nimble, you'll have cash in hand to make your plans. Consider these two tips for making the most of your funds:

1. Be Intentional

Your holiday should be about relaxing, so don't fall into the trap of scheduling every second so tightly you never have a chance to unwind. Slow travel might take you to fewer destinations, but you'll see and experience more along the way and make better use of your money.

2. Consider the Road Less Traveled

Wherever you choose to go, there are going to be some "must-see" tourist destinations. There's often a reason for this, but remember that you don't have to see a place just because "everyone" does. The crowds can slow progress, interfere with appreciation, and leave you stressed, sweating, and starving at the end.

Consider visiting during the off-season. As you book tours, look for smaller, more intimate guided tours that will give you the opportunity to really learn about a location and enjoy your time away.

Nimble Loans for Holiday Packages

Holidays are good for us. They let us recharge, refresh, and get back to work and daily life with a renewed sense of purpose. When you need a personal loan for holiday purposes, contact Nimble for some of the best holiday loans in Australia.

The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Terms, conditions, fees and charges apply, and are subject to change. Applications are subject to Nimble’s credit approval criteria.

*Redraw not available. Funds will generally be transferred within 60 minutes of the loan contract being signed between 9:00 am and 4:30 pm AEST on business days. Clearance times are subject to your bank. Depending on your bank, you may be paid within minutes of confirming your loan 7 days a week, including public holidays.

**The comparison rate for loans between $2,050 and $5,000 is based on an unsecured loan for an amount of $2,500 over 2 years and a $400 establishment fee, and the comparison rate for loans between $5,050 and $10,000 is based on an unsecured loan for an amount of $10,000 over 3 years and a $0 establishment fee.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

#Nimble AnyTime is a Continuing Credit Contract. As long as you pay on time each month, you'll have access to your available balance continuously, without the need to reapply. Usage of the Nimble Anytime Virtual Mastercard is subject to the Nimble AnyTime terms and conditions. Clearance times on cash advances are subject to your bank and the time of your request.

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Nimble members who have previously borrowed and repaid one or more loans in full may be eligible to apply for up to $10,000 in their Member Area.

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