Holiday loans to book now and pay over time.
That trip you keep putting off — one application, 80+ lenders, and a fixed repayment that lets you travel now and pay it off in your own time.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Travel now, pay it off your way.
The best deals on flights, cruises and package holidays tend to appear well before you've saved the full amount — and by the time the money's there, the fare has moved. X Lend helps you lock in the trip today and spread the cost over fixed repayments. We're a finance broker: one application, compared across 80+ banks and non-bank lenders to find a travel loan that fits.
A holiday loan is an unsecured personal loan, so you don't put your home or car up as security — you borrow a set amount and repay it in equal instalments over a term you choose. That means no draining your savings, no reaching for a high-rate credit card, and no nasty surprise on the statement when you get home.
We explain everything in plain English, tell you what's realistic before you apply, and only lodge a formal application once you're happy to proceed. Getting an indicative quote never touches your credit file, so you can plan the trip with confidence.
Why arrange your holiday loan with X Lend.
80+ lenders, one application
We compare the panel in one go to find a travel loan that suits your budget and departure date — not just one bank's offer.
No home as security
A holiday loan is unsecured, so you fund the trip without putting your house, car or savings on the line.
Fixed repayments, no surprises
Know exactly what you'll pay and when, with one predictable repayment for the life of the loan.
Book now, pay over time
Lock in today's fares and package prices, then spread the cost over a term that suits your cashflow.
Keep your savings intact
Leave your emergency fund where it belongs and avoid leaning on high-rate credit cards for the trip.
Honest, upfront answers
We tell you what's achievable before you apply, so a quote never costs you a credit enquiry.
What you can put it towards.
A holiday loan is flexible — travellers come to us to fund:
- Flights and international airfares
- Cruises and ocean packages
- Family holidays and theme-park trips
- Honeymoons and milestone getaways
- Accommodation, tours and excursions
- Adventure travel and bucket-list trips
- Travel insurance and spending money
- Group and multi-generational holidays
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare a panel of 80+ banks and non-bank lenders and place your holiday loan with the best fit for your situation.
No. A holiday loan is an unsecured personal loan, so you don't offer your home, car or savings as security — you borrow a set amount and repay it in fixed instalments.
It depends on your income, commitments and the cost of the holiday, but our panel covers everything from a short getaway to a big overseas adventure. We'll give you a realistic figure before you apply.
Many travel loans get a fast decision and can settle within a few days, so you can lock in fares and deals quickly. We'll tell you the likely timeframe upfront so you can plan your booking.
No. Getting an indicative quote doesn't touch your credit file. A formal application involves a credit check, but we only lodge once you're happy to proceed.