The loan journey is almost as good as the destination with rates from 6.74% 1 comparison 7.57% 2* for excellent credit.
Travel loans
It’s a big
world out
there
world out
there
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
- Exceptional
Get estimate
Details
| Total Repayments | $0.00 |
|---|---|
| Total Interest | $0.00 |
| Amount Required | $0.00 |
| Establishment Fee | + $0.00 |
| Loan Total | $0.00 |
| Interest Rate (p.a.)1 | 0.00% |
Testimonials
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 6.74% 1 to 24.54%
- Comparison rate
Fixed from 7.57% 2* to 25.32% 2*
- Loan amount
$5,000 – $62,000
- Terms
3, 5 and 7 years
- Establishment fee
$595
- 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 6.74% comparison 7.57% 2 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.
FAQ
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.
More Resources
The boring (but important) stuff:
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1: This rate applies only to borrowers with excellent credit histories. Wisr will also offer loans at higher rates to applicants with good histories, but do not meet the requirements for our lowest rates. Interest rates range from minimum 6.74% to maximum 24.54% Loan example: for a borrower with excellent credit, a loan of $30,000 over a 5 year term, with an interest rate of 6.74% comparison rate 7.57% and a $595 establishment fee, the monthly repayment would be $602.07 and the total cost over the life of the loan including the establishment fee would be $36,124.30.
2: Comparison rates based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.
3: Comparison rates based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.
4: Comparison rates based on $10,000 secured loan, fixed over 3 years, with monthly repayments.
5: Comparison rates based on $30,000 secured loan, fixed over 5 years, with monthly repayments with a total loan amount compared to the vehicle asset valuation less than or equal to 130%.
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Note: All rates mentioned on this website are calculated on a per annum basis.