Travel Loan

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✈️ Your Adventure Can’t Wait—WhyNot Travel Loans

Planning your next trip but funds feeling tight? Whether it’s a spontaneous holiday, big celebration, or gap-year getaway, we’ve got your back. Why Not Finance makes applying for a travel loan easy—no fuss, no stress, no waiting around.

🛫 What You Can Use the Loan For

  • Flights to anywhere—domestic or international

  • Accommodation, tours, or adventure packages

  • Cruises, travel insurance, visa fees

  • Wedding trips, education travel, family visits

  • You’re limited only by your imagination (and, you know, your budget)

✅ How It Works

  1. Apply online in under 3 minutes
  2. We’ll give you a quick call to confirm the details
  3. We will confirm lending – you’ll then need to sign some documents
  4. Money lands in your account, possibly the same day

🗺️ Why a Travel Loan Makes Sense

  • Spread the cost: enjoy now, pay over time

  • Fit for purpose: more flexibility for travel expenses

  • Take advantage of deals: don’t miss early-bird prices or limited-time packages

 ✨ Ready to Take Off?

Dreaming of beaches, mountains, or adventures overseas? Apply now—our loan form is free, quick, and hassle-free. Funds often land within a day, giving you time to pack, plan, and go.

Step 1 of 2

See what your loan could cost

Why Not Finance offers personal loans from $1,000 to $20,000 with flexible weekly, fortnightly or monthly repayments. Move the sliders for an estimated repayment guide before you apply, with no sign-up and no obligation.

Estimates give you a close idea of what to expect. Your final repayments are confirmed once your application has been assessed.

Loan Calculator

How much would you like to borrow?

$10,000
12 Months

Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $6 per month & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 29.50% p.a. Basalt Group offers personalised rates ranging from 10.00% to 29.50%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Step 2 of 2

Start your two-minute application

Most loans are processed the same day.

Why Not lends to people who have unexpected travel needs. Whether it’s your relative’s wedding in the islands or your grandmother’s funeral, you want to be with your family on this special occasion. This is how a travel loan can help. Since 2000 our company has provided travel loans to families who have a real need for unexpected travel.

If you have a travel need, please complete our online application. Loans can be processed as quickly as one hour!

Initial Application Criteria Checklist:

  • You must be a NZ Citizen / Permanent Resident / Working on a Work Visa and currently living in New Zealand.
  • You must be older than 18 years of age.
  • Proof of identity by means of a Drivers Licence or Passport is required
  • Security for your loan e.g. a vehicle or property

How to Get a Quick Secured Travel  Loan

Why Not Finance offers secured personal loans from $1,000 to $20,000. Most of these loans can be processed within a single day. We offer flexible terms that are easy to understand and repay. All you need to do is begin by completing our online application. After we review it, we’ll let you know if you’re eligible.

Why Not Finance has an experienced loan team that can evaluate loan applications to determine eligibility. We are not just an online lender, we have ou office in Manukau, which are open five days of the week during normal business hours. 

What You Need to Bring to Verify Your Eligibility for a Loan

To apply for a loan, you’ll need two forms of identification. These two forms of ID may consist of a birth certificate, passport, drivers licence, and a community services card. You’ll also need proof of income including a current payslip and last three month’s bank statements. If you’re self-employed, you’ll need a statement of accounts and your latest bank statements.

Travel Loans are Necessary

Loans for travel are important to people who suddenly find themselves in a financial bind because of unexpected travel expenses. If you want to know more about the process, contact a professional at Why Not Finance. It will help to alleviate some of the financial strain that you may have in your life.