Holiday Loans up to $25,000!

  • Fast Loan Application
  • Apply online with a fast loan decision in 60 minutes!
  • Loans Paid to You in 60 Seconds1
  • Same day holiday loans are possible2 with Noddle!
  • Get Your Best Loan Rate
  • Get the best personal loan rate we can give you3 - fast!
Holiday Loans
Car Loans

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid 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 with the lender that finances your loan.

Holiday Loans with Noddle!

Due to Covid, we may not be travelling to such far off and exotic locations for our holidays, but we still need to get away. Noddle can help out with holiday loans from $2,100 up to $25,000 at the best rate3 we can possibly get for you.

If you are planning a holiday within your home state or even planning on crossing the border for some interstate site seeing, sun and relaxation or even a road trip, take a Noddle loan with you. The whole application process is straightforward and quick to complete in around 6 to 12 minutes on average. Our fast tech decisioning works in the background when you apply, so we should be able to give you a lending decision in 60 minutes1 of taking your application with us. You can then sign online and we can send the funds to your account within 60 seconds2 of signing - now that's a good start to your holiday!

Our holiday loans are flexible, meaning you could use them to cover your flight and accommodation costs as well as a whole lot more. Thinking of hiring a car or renting a boat? No problem, Noddle can give you the nod on those costs too and bundle everything up into your one loan with us. Take a look at some of the other potential costs our holiday loans could cover for you.

  • Travel & Flight Costs
  • Hotels & Accommodation
  • Day Trips & Events
  • Boat & Car Hire
  • Campervan Rentals
  • Entertainment
  • Spending Money
  • Weekends Away
  • Long Haul Adventures
  • Medical & Emergencies
  • Honeymoons & Anniversaries
  • Retirement Holiday Loans
  • International Family Visits

How To Get Your Holiday Loan

Apply Online in Minutes

The Noddle application has been tailored to our smart tech which goes on in the background. This means that once your application is complete, we should be able to give you your own personalised loan decision automatically and this can be done in under 60 minutes1. The application first takes your personal details, such as your name, contact details and address and then proceeds to take your weekly income and expenses information. After that, all we need is a digital download of your latest 90 days bank statements, for our smart tech to review your application in real time, without having to wait days, as with many of our competitors.

This part of your application should be quick and easy to complete and most customers complete their application with us within 6 to 12 minutes.

Get Started

Fast Loan Decision

Due to our smart tech working in the background, we could give you a loan approval decision within 60 minutes of completing your application2; so it is possible to get your application completed and approved on the same day.

Loan approval decisions generally take less than 60 minutes!

Same Day Approval and Funding

If your application has been successful, you should know within around 60 minutes of applying1. We'll send you a link for you to complete your loan with us and sign your contract. Signing can be done online and only takes a minute or so, after you have reviewed and accepted the terms of the loan contract.

Once signed, cash can be sent to your bank within 60 seconds2!

What is a holiday loan?

A holiday loan is a type of personal loan tailored to be used for the wide number of costs involved when taking a holiday. These costs could be towards flights, accommodation, day trips and other entertainment as well as medical, emergency flights and other expenses.

How much could I borrow?

With Noddle, our holiday loans go from $2,100 up to $25,000. The amount you could borrow will depend on your individual financial circumstances and needs.

Can I get a holiday loan on the same day I apply?

Yes, you could. If you need to get away in a hurry and are looking for a same day holiday loan, it is possible with Noddle. Our online application generally takes between 6 and 12 minutes for most people to complete. After that, our smart tech will assist us in reviewing your application in real time, so we can give you a loan approval decision if you qualify in under 60 minutes1. At that time, we'll also send you a link for you to agree and sign your loan contract with us. Once you have signed this, we will send your loan funds to your bank account in 60 seconds2. So everything can be completed on the same day.

How can I qualify for a holiday loan?

To qualify for a holiday loan with us, like all our personal loans, you must pass our basic criteria:

  • Over 18 years of age
  • An Australian Citizen or Permanent Resident
  • Have a regular income
  • Use internet banking
  • Have a mobile phone and email address

Can I get a holiday loan for a quick weekend away?

Yes, you could and if you decide at last minute or on impulse, it is even possible to get your loan approved and funded on the same day you apply.

Can a holiday loan cover my Honeymoon?

Yes it could. If you want to cover more of your wedding and honeymoon costs, please see our Wedding Loans for more details.

What kind of things are holiday loans used to pay for?

There are all sorts of costs involved when planning a holiday, from visa and flight costs to hotels and entertainment as well as car hire or boat rentals. With a Noddle holiday loan, all these expenses can be covered with your loan and lots more, including any potential emergencies you may encounter while away from home.

Do I have to list all my holiday costs and expenses when I apply?

As part of your application, we have a compliance requirement to ask for some details on your loan purpose. We don't need to have an itemised list, just your main loan purpose and possibly a secondary usage may be enough.

Can I get a holiday loan to cover emergencies while already on holiday?

Yes, that is possible. If you are already away from home and on holiday, it is still possible to apply for a holiday loan in an emergency with Noddle - as long as you are a permanent resident of Australia. Due to our smart tech that works in the background during your application, you could apply and get the funds sent to your bank account on the same day you apply2.

Also see Emergency Loans

How can I get the best loan rate for me?

When you apply for a loan with Noddle, our smart tech works in the background to provide you with the best loan rate3 and terms that we can, based on your individual credit profile and affordability. If you choose to offer security against your loan, you could get an even better loan rate with that.

What costs will be added to my holiday loan?

The good news with Noddle, is that there is no monthly fee and no early repayment fee. For more detail on other costs, see our Costs and Charges page.

Why should I choose Noddle for my holiday loan?

With Noddle, it's the smart thing to do. We do all the hard work in the background. Simply apply and we'll find you the best Noddle rate3 and terms that we can for you, based on your own unique credit history and financial situation. The application can be completed in under 10 minutes and we'll give you a loan decision in under 60 minutes1. Sign your contract with us and we'll send your loan directly to your bank account in under 60 seconds2! Everything can done from start to finish on the same day.

Will a credit check be run against my application?

It is possible. If your application has passed most of our initial checks and it looks like we'd be able to assist you with a loan, then a credit check may be conducted against your application.

How long will my holiday loan application take?

With Noddle, your application should take under 10 minutes from start to finish. We'll get back to you with a decision in under 60 minutes1 and when you sign your contract with us, money could be sent to your account in 60 seconds2, so everything can be completed on the same day.

Also see our How it Works

How long will I have to repay my loan?

Our general loan terms run from 12 months to 36 months; However in some cases, due to affordability and the amount you choose to borrow, our loan terms could be up to 60 months.

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid 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 with the lender that finances your loan.

60 Minute Loan Decisions

1 60 Minute Loan Decisioning and Approvals are an average, to be used as a guide for a typical customer and are not guaranteed. 60 Minute Loan Decisioning and Approvals are not available when applicants apply outside of our normal business hours of 8am till 4pm Monday to Thursday, 8am till 12 noon on Fridays and Saturdays AEST or public holidays.

Loans Paid Out in 60 Seconds

2 It is possible to have your funds sent to your bank account in 60 seconds, if you have a New Payment Platform enalbled (NPP-enabled) bank account. A large number of Australian banks use NPP including ANZ, Bendingo Bank, Bankwest, Bank of Melbourne, Commonwealth Bank, Citigroup, HSBC, ING, NAB, St.George and more. Check whether your financial institution is NPP-enabled.

Best Loan Rate for You

3 Noddle does not have one fixed loan rate which it uses for all customers and loan applications, but will offer tailored loan rates depending on your individual circumstances and financial profile, as reviewed, during your credit assessment. Noddle will work to offer our best loan rate we can give the customer. If we can't assist a customer at our best rate, we will review the application against the next tier and rate until we find a match for the customer. This allows us to say 'yes' and give more customers 'the nod' with Noddle.

If Noddle is unable to assist with a loan directly, we may refer the application to a third party panel of lenders to 'get the nod'.