travel loan

Travel Loans

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Interest Rates

Variable
Variable Rate
9.49
%
p.a.
^
to
29.99
%
p.a.
^
Comparison Rate
10.93
%
p.a.
*
to
31.83
%
p.a.
*
Fixed
Fixed Rate
9.49
%
p.a.
^
to
29.99
%
p.a.
^
Comparison Rate
10.93
%
p.a.
*
to
31.83
%
p.a.
*
Secured vs Unsecured loan?
Fixed vs Variable loan?
How is my interest rate determined?

Let's talk loan details

RateChoice of a Fixed or Variable loan
Loan amountsFrom $5,000
RepaymentsWeekly, fortnightly, monthly
Loan terms2–7 years
Secured and unsecured
Other benefitsFixed loan:
Rate and repayment fixed for the life of the loan
Variable loan:
No early termination fee
Other InformationLoans with a variable interest rate are subject to change throughout the duration of the loan

Fees & charges
Establishment Fee$395
Loan Service Fee$13 per month
Payment handling fee for using BPAY®$1.95
Late Payment Fee:$45 in the event that you can't make the minimum repayment by your agreed date
Early Termination Fee:Fixed loan:
$500 up until the last 3 months of the loan term
Variable loan:
No early termination fee
Other InformationLoans with a variable interest rate are subject to change throughout the duration of the loan

Calculators and tools

Personal loan
repayment calculator

What will my repayments be?

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Car loan
repayment calculator

What will my repayments be?

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Budget
planner

See where your money is going and how to save more

Let's budget

Why choose a Latitude loan?

Simple application

  • Apply online in under 7 minutes
  • Only a few documents needed for ID and income verification

Flexible financing

  • No early repayment fee on variable loans
  • Access additional repayments you've made when you need them with Redraw on variable loans

Solutions to suit you

  • Our team will help you through the process
  • Loan options tailored to your specific needs

How to apply

  1. Check your interest rate online in 2 minutes without impacting your credit score
  2. Apply online and receive a response in 60 seconds
  3. Provide required documents, such as banking statements and identification documents
  4. Accept your loan contract digitally
  5. Obtain funds within 24 hours of us receiving your online acceptance

Eligibility

You must:
  • Be 18 years or over
  • Be a permanent Australian resident
  • Be currently employed and earning at least $25,000 gross per annum
  • Be able to demonstrate a good credit history for the last 5 years
  • Be free from bankruptcy for the last 7 years

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Frequently asked questions

What can I use my Latitude Travel Loan for?

  • What can I use my Latitude Travel Loan for?

    <span>You can use a Latitude Travel Loan for most purposes. This could be anything from a mini-break to a once in a lifetime trip, a Latitude Travel Loan could make these dreams a reality. If you have something in mind, give us a call 13 28 26 to discuss a solution that suits you.</span>

    What can I use my Latitude Travel Loan for?

  • How much can I borrow with a Latitude Travel Loan?

    <span>The minimum amount you can borrow for a Latitude Travel Loan is $5,000, with the maximum depending on your circumstances and current financial situation.</span>

    How much can I borrow with a Latitude Travel Loan?

  • How do I make repayments on my Latitude Travel Loan?

    <span><p>You can opt to make weekly, fortnightly or monthly repayments by Direct Debit or BPAY®.</p><p>Payment via BPAY® will incur a payment handling fee of $1.50.</p><p>BPAY® and the BPAY® logo are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518</p></span>

    How do I make repayments on my Latitude Travel Loan?

  • Useful forms to manage your Latitude Travel Loan

    <span><p>To help you manage your account, here are some useful forms.</p><a target="_blank" href="https://latitudefs.zendesk.com/hc/en-au/requests/new?ticket_form_id=360000137778">Direct debit set up form</a> [PDF]<br><a target="_blank" href="https://latitudefs.zendesk.com/hc/en-au/requests/new?ticket_form_id=360000130337">Third party authority</a> [PDF]</span>

    Useful forms to manage your Latitude Travel Loan

  • What is redraw?

    <span><p>Redraw is a feature of Latitude Variable Rate Personal Loans that gives access to additional repayments you've made on your loan. There's no cost to redraw and no need to reapply for a new loan. Just flexible access to funds when you need them. Call 1300 973 422 to see if you are eligible.</p></span>

    What is redraw?

  • Do all Latitude personal loans allow redraw?

    <span><p>Only Latitude Variable Rate Personal Loan have redraw available.</p></span>

    Do all Latitude personal loans allow redraw?
Application and approval

  • When will I get a decision on my Latitude Travel Loan application?

    <span>In most cases, you can expect to receive a decision on your Latitude Travel Loan application in 1-2 working days.</span>

    When will I get a decision on my Latitude Travel Loan application?

  • How long until I receive funds for my Latitude Travel Loan?

    Once your Latitude Travel Loan is approved and contracts signed, your funds are usually available the next business day or no more than two working days (depending on your circumstances).

    How long until I receive funds for my Latitude Travel Loan?

  • What is the eligibility criteria for a Latitude Travel Loan?

    <div><p>At a minimum, you will need to:</p><ul><li>be currently employed and earning at least $25,000 gross per annum</li><li>be an Australian Permanent Resident</li><li>be at least 18 years of age</li><li>Be able to demonstrate a good credit history for the last 5 years</li><li>Be free from bankruptcy for the last 7 years</li></ul><p>Other credit and approval criteria will apply depending on your situation. In most cases, you can expect to receive a decision on your loan application in 1-2 working days.</p></div>

    What is the eligibility criteria for a Latitude Travel Loan?

  • Do I need to provide security for a Latitude Travel Loan?

    <span>Whether you need to provide security or not will vary depending on your personal circumstances and the loan amount you have applied for.</span>

    Do I need to provide security for a Latitude Travel Loan?
Fees, charges and interest

  • Will the interest rate on my Latitude Travel Loan be Fixed or Variable?

    <span>You can choose whether your Latitude loan is fixed or variable. Interest rates may vary depending on the type of Latitude Travel Loan you apply for. Fixed loans have a fixed interest rate for the term of the loan. With a Latitude Variable travel loan the interest rate could change during the term of your loan.</span>

    Will the interest rate on my Latitude Travel Loan be Fixed or Variable?

  • How is interest calculated on a Latitude Travel Loan?

    <span>Interest is calculated daily and charged to your account on a monthly basis.</span>

    How is interest calculated on a Latitude Travel Loan?

  • Will I be charged a fee for making extra payments?

    <span>With a Latitude Travel Loan, you can make extra payments whenever and however you like. Be aware that for a Fixed loan, an early termination fee of $500 applies if you payout your loan in full up until the last 3 months of the loan. Payment handling fees of $1.50 apply when making extra repayments via BPAY®. BPAY and the BPAY logo are registered trademarks of BPAY Pty Ltd 69 079 137 518.</span>

    Will I be charged a fee for making extra payments?

  • How can I avoid paying late fees on a Latitude Travel Loan?

    <span><ul><li>Paying by direct debit saves you time and the hassle of manual repayments, it also helps you to avoid fees from missed or late payments.</li><li>Make sure you have sufficient funds in your account so all direct debits and other scheduled payments can be made.</li><li>If your circumstances change which could affect your repayments, call us on <a href="tel:132826"> 13 28 26</a> to discuss your options.</li><li>You can also make additional repayments so you pay off your loan sooner and save on interest<sup>1</sup>.</li></ul><p><sup>1</sup>Early termination fee applies.</p></div></span>

    How can I avoid paying late fees on a Latitude Travel Loan?

Important information

^ Approved customers only. Terms, conditions, fees and charges apply for Latitude Personal Loan. All applications are subject to lending and approval criteria.

Loan terms range from 2-7 years for Latitude Personal Loan.

Latitude Fixed Personal Loan rates range from 9.49% p.a. to 29.99% p.a. (comparison rates 10.93% p.a. to 31.83% p.a.).
Latitude Variable Personal Loan rates range from 9.49% p.a. to 29.99% p.a. (comparison rates 10.93% p.a. to 31.83% p.a.).

* The Comparison rate for the above products are based on $30,000 over 5 years.

WARNING: These comparison rates apply only to the example or examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: A personal loan of $30,000 borrowed for 5 years with an interest rate of 15.99% p.a. (17.40% p.a. comparison rate), would equate to a total amount payable of $45,418 (including a $395 establishment fee and $13 monthly loan servicing fees).

Results from the calculators should be used as an indication only, and they do not represent either a quote or pre-qualification or approval for a loan. The calculator should only be used as a guide to see how loan repayments can vary when you change the loan amount, interest rate and loan term. Fees and charges are payable and the calculators do not take these into account.

1 You can make additional payments at any time, however, an early termination fee may apply on a Fixed loan up until the last 3 months of your loan term.