Travel loans

It’s a big
world out

The loan journey is almost as good as the destination with rates from 8.49% comparison 9.33% for excellent credit.

The Wisr Difference

Not your average lender

We’re smart, with a big heart.

  • Your rate is tailored based on your credit score.

  • You’ll get an outcome that’s right for you.

  • With no early repayment fees.

  • Learn how to keep them in shape.

  • Our customer service team is ready to help.

Loan Calculator

Doing the maths is smart

Calculate your repayments on a travel loan.

  • Monthly
  • Select Loan Term
  • Exceptional
Get estimate
  • $0.00
    Monthly repayment
  • 0.00%p.a.*
    Comparison rate
  • $0.00
    Total interest


Total Repayments$0.00
Total Interest$0.00
Amount Required$0.00
Establishment Fee+ $0.00
Loan Total$0.00
Interest Rate (p.a.)10.00%


For the part of you that learns from others

The Process

We keep it simple

  • 01

    Get your personalised rate estimate in 2 minutes

  • 02

    Apply online and get a response right away

  • 03

    Upload your documents

  • 04

    Sign on the digital line

  • 05

    Get your money within 24-48 hours

Product features and fees
  • Loan purpose

    Travel loan

  • Interest rate

    Fixed from 8.49% to 23.29%

  • Comparison rate

    Fixed from 9.33% to 24.05%

  • Loan amount

    $5,000 – $62,000

  • Terms

    3, 5 and 7 years

  • Establishment fee


  • Features

    No early repayment fees

Eligibility criteria
  • Gross income over $25,000 p.a.
  • Over 18 years of age
  • No unpaid defaults last 5 years
  • No bankruptcies last 7 years
  • Not currently in financial hardship
  • Permanent Australian resident (living in Australia right now)

Q1: How will I know how much I need to borrow?

You need to do some planning, my friend. Researching all the incredible places you’ll visit, things you’ll do and people you’ll meet? Well, that’s half the fun! 

You could start by researching the average cost per day to travel in the country or countries you’d like to visit. Multiply that by the number of days you want to travel for. Add on any transport and accommodation costs. Add a little buffer for the unexpected things that always pop up and voilà! You have your basic travel budget.

Q2: How do you calculate my interest rate?

Magic! Just kidding. Our rates begin from 8.49% comparison 9.33% but we actually do use some smarts to find a fair rate for you. We calculate your personalised interest rate based on a number of things – one of the main ones is your credit score. Not sure where yours is sitting? Check it for free here.

Q3: Are there any fees I should know about?

We don’t charge any early exit fees. We want you to get on top as quickly as you can! 

We charge a one-off establishment fee at the beginning of your loan term. This $595 is included in your repayment calculations and averaged out over the life of the loan.

If your direct debit dishonours, we charge a $2.75 dishonour fee and a $25 late payment fee to cover the cost that the banks charge us and the operational task for our team to manage this.

Q4: Do you offer joint loan applications?

We do! You shouldn’t have to pay for that trip all by yourself. You can submit a joint application with your partner, close friend of family member. You’ll need to submit an individual application first, then let us know who you'd like to share the loan with.


For the curious

  • Two words: interest rate. Credit cards typically have higher rates than personal loans, so your trip could end up costing you more in the long run. Plus, many banks charge international transaction fees on every purchase.

  • The boring (but important) stuff: