Put Your Feet Up With Holiday Loans NZ

Is the 9 to 5 grind wearing you down? Do you need a holiday but don’t quite have the funds to cover it? If this sounds like you, holiday loans NZ might be the cash solution you need. At Monzi NZ, we can potentially connect you with lenders offering loans up to $10,000.

Woman sitting inside on chair using latop to search for holiday loans NZ

How do holiday loans NZ work?

Holiday loans, sometimes referred to as travel loans, are personal loans that provide you with the cash you need to finance the trip you’ve always dreamed of.

Holiday loans can be used to cover any of the numerous costs that are typically associated with taking a holiday. The cash could help you cover flights, accommodation, food, insurance or any other expense you can think of.

Best of all, you get the cash you need now so you can book your holiday today. Not only that, all loans will come with a payment plan so you can spread the cost over months or years. It’s all about what best suits your needs.

Holiday loans up to $10,000 are available so you can find one that works for you. If you use Monzi NZ’s lender-finder service, we’ll do what we can to match you with a great lender who can provide you with the cash you need.

Examples of holiday loans are included in the table below.

Holiday loansAmount approved (NZD)
Holiday loans for bad credit$4,000
Personal holiday loans$5,000
Bad credit holiday loans$7,000

Keep in mind, the above table does not, in any way, reflect the amount you may be offered. Moreover, the above loans may be secured or unsecured, depending on the lender.

Holiday finance loans to suit your needs

We all want something different on holiday. Some people are adventurers, travelling to the furthest corners of the world seeking an unforgettable experience. Others are just looking to relax and put their feet up by the pool while they drink cocktails.

With the range of different options comes a range of different needs. Some people are just looking for a few hundred dollars, others need thousands. That’s why at Monzi NZ we have established a broad network of lenders.

We can connect you with lenders that may be able to offer personal holiday loans of different sizes and repayment periods.

If you’re looking for holiday loans ranging from $300 to $10,000, Monzi NZ can help you. We help you get the cash you need to ensure your holiday is one that you’ll never forget.

Dean’s European holiday – a case study

Dean’s been planning the holiday of a lifetime for months. He’s heading to Europe to explore France, Italy, Spain, England and Croatia.

While Dean has saved money effectively and can cover most of the expenses, he, unfortunately, finds himself $500 short when it comes to booking his flight home.

Rather than panic, Dean heads to the Monzi NZ website. He knows Monzi NZ may be able to help him find a lender to provide him with the cash he needs.

Dean submits an application and is matched with a lender in no time. He provides all the relevant details and his application is approved.

Within hours, Dean has his cash and his flights are booked. His holiday planning is done, his expenses are paid and he’s ready to jet off on his dream holiday.

Dean’s experience with Monzi NZ is quick, easy and stress-free; it’s what we do for all our users.

Holiday loans NZ for bad credit

There are few people out there with a perfect credit score. At some point in our past, most of us have made a mistake or two. Unfortunately, bad credit has a nasty habit of following you around.

Traditional lenders may look at bad credit as a dealbreaker. Moreover, it can feel like poor credit leaves you with no chance of getting a loan. However, there are options out there.

Short term lenders may be more forgiving. They may be able to look past your credit score and assess your financial situation as a whole. Just because you have bad credit doesn’t mean you will be rejected straight away.

Luckily for you, at Monzi NZ, we know a few of these lenders. If you submit an application with us, Monzi NZ might be able to connect you with a lender who can offer the holiday cash loans bad credit you need.

Poor credit is a reflection of your past but it shouldn’t define your future. Submit an application with Monzi NZ and we can help you while saving you time and hassle.

Holiday loans NZ no credit check

It’s important to note that as a lender-finder service, Monzi NZ won’t conduct credit checks. We are simply the bridge between borrowers and lenders. Although, the lender you are connected with may conduct a credit check as part of their assessment. However, individual policies do vary so we cannot make any guarantees.

What we can say though, is that even if a credit check is conducted, that’s not going to be all your application will be judged on. The lenders we associate with will assess applications on a case-by-case basis.

At the end of the day, lenders are looking to determine how likely you are to repay your loan. To do this, they’ll need to establish a clear idea of your financial situation. Your credit history, income and expenses are usually taken into account.

While lenders do retain the right to approve or reject loans where they see fit, if you’re in a secure financial position and you’re managing your finances well, bad credit holiday loans may be offered to you. You can rest assured knowing that bad credit won’t necessarily stand in the way of your dream holiday.

Planning your holiday

Once you’ve got the holiday loans you need, you can move onto the fun part: The planning stage.

An upcoming holiday presents a world of opportunities. You have to decide where to go, when to go and what to do; that’s just the beginning.

Are you planning to go abroad? Maybe a once-in-a-lifetime trip to Europe is on the cards? Want something a little closer to home? Queenstown never disappoints.

With so many things to consider, we thought we’d give you a few simple tips to make sure you get the most out of your holiday.

  • Find the best deals: Use comparison websites to find great deals on flights and accommodation. Be aware that some websites will increase the price of flights you repeatedly search for.
  • Develop a budget: Have a plan for how you’re going to spend your money. Make sure you always have a few spares dollars in case of an emergency.
  • Plan your activities: Have an idea of what you want to see before you arrive. Make sure you leave some time for exploring though. That’s usually how you find those hidden gems.
  • Do what makes you happy: Plan the holiday for you. Everyone likes different things. Don’t just fall into the trap of doing what everyone else does.

The most important tip though will always be to relax and enjoy your trip, forget about all the stresses and worries of your daily life. Holidays don’t come around all that often so don’t waste them.

The Monzi NZ eligibility criteria

Want Monzi NZ to help you find a lender? There are a few requirements you must meet before you get started.

To apply, you must:

  • Be at least 18 years of age.
  • Be a New Zealand Citizen or permanent resident.
  • Have a regular income deposited into a personal bank account for at least the previous three months.
  • Have a current, active mobile phone number and email address.

Applying with Monzi

We’ve made applying for holiday loans NZ as simple as possible because don’t want to take up too much of your time. The Monzi NZ application process includes just a few simple steps so you can get back to doing the things you want to be doing.

To apply, all you need to do is:

  • Step 1: Select the amount you wish to borrow, provide the required personal details and click submit.
  • Step 2: At this point, we take over. Our automated system will investigate a range of potential lenders to try and find the one that fits your needs the best.
  • Step 3: If you’re paired with a lender, they’ll assess your application and get in contact if they can make you an offer.

If everything goes to plan, we might be able to have you matched with a lender in just 60 minutes. Assuming your lender is able to complete their assessment without any hiccups, you can potentially have your cash on the same day you apply.

What to have on hand to ensure my application runs smoothly?

Before you begin, there are a few details you need to have handy to ensure your application can be completed without delay.

Make sure you can provide:

  • Contact details, namely phone number and email address
  • The reason for your loan
  • Internet banking details
  • Proof of employment
  • Any other personal information which may be relevant

If you can provide these details, you should be able to lodge an application in no time. Generally, you’ll receive an outcome quickly. Finally, if you’re approved, you may receive your cash the same day you apply. This is, however, dependent on when you apply as well as the lender themselves.

When will my holiday cash loans appear in my account?

Unfortunately, we are unable to give you a concrete answer on when you’ll get your cash. What we can say is that when you apply with Monzi NZ, we can find you a lender as quickly as possible. From there, though, processing times will vary.

Each lender Monzi NZ associates with will do things a little differently. Once you’re matched with a lender, they’ll need to conduct their assessment of your application. Different lenders have different procedures and as a result, times do vary.

Generally, lenders transfer funds after the consumer approves the contract. Access to funds is dependent on inter bank transfer times.

What do lenders assess?

With all the mentions of the assessment process, it’s probably worth discussing what exactly a lender will be assessing.

To put it simply, lenders are assessing your ability to repay the loan you’ve applied for. To do this, there are a few common things most lenders will look at.

  • How likely are you to pay back the loan? Put simply: your creditworthiness. Lenders look at your past borrowing history to get an idea of how likely you are to repay your loan.
  • Will the borrower be able to afford the repayments? This will typically involve lenders looking at your income and expenses. Based on your financial situation, will you be able to consistently make your repayments?
  • How long will it take for the loan to be repaid? Lenders will compare your nominated repayment period against your income and expenses. That way they can get a good idea of whether or not the repayments will be affordable for you.

Monzi NZ – helping you find holiday loans NZ online

If you’re on holiday and suffer a cash shortfall, chances are you’re going to find it difficult to get to a bank to apply for a loan. At Monzi NZ, we’ve solved this problem.

If you’re in a pickle and holiday loans are your only solution, just use the Monzi NZ website. The loan slider at the top of the page makes it easy to select how much you wish to borrow.

From there, we’ll search for a lender for you and if we find one, they’ll get in contact with you. That way, instead of taking time out of your holiday, you can kick back and relax.

Monzi NZ’s 100% online lender-finder service can help get you the cash you need to cover the costs of your holiday. We do the work so you can put your feet up, relax and enjoy your holiday.

What’s my holiday loan going to cost?

Given that Monzi NZ is a lender-finder only, we are unable to tell you exactly what the cost will be. Lenders differ in terms of the rates, fees and charges they apply making it impossible for us to give you a clear idea of what you’ll need to pay. Ultimately, it will come down to the lender you are matched with.

There’s no need to worry though. When you agree to your loan, all fees, rates and repayments will be clearly outlined to you. Transparency is something we value and so do our lenders. You won’t encounter any hidden fees or charges.

Why use a lender-finder service?

In recent times, the online lending market has undergone significant growth. Now, more than ever, there are hundreds of lenders out there willing to extend credit to you. If you’re not sure what to look for, you can spend hours researching lenders trying to find the right one for you.

On the other hand, you could lodge an application with Monzi and we’ll aim to do the rest.

Monzi’s quick and easy process

We want to make life easier for you; if you’re looking for holiday loans, there’s a chance you’re already stressed. Our simple process has made finding a loan the easiest thing you will do all week.

We’ve made sure that when you apply, you only need to supply the key details. In short, you won’t be engulfed by mountains of paperwork or confused by complicated backgrounds checks. After all, you can submit an application with Monzi NZ in a matter of minutes.

Monzi NZ makes finding a lender simple. In short, we’ll ease your stress and have you back focusing on the important things in life. Just set aside a few minutes and then let us do the work.

Breaking down barriers

In the past, finding a loan could only be done by going into a bank or a physical lender. Monzi NZ’s 100% online application has changed this. We’ve taken away the location barrier.

It doesn’t matter where you are, if you have an internet connection and access to the required personal details, you can apply. Urban or rural, North Island or South Island, at home, on the bus or up a mountain: you can submit an application with Monzi NZ.

From start to finish, there won’t be any meetings or stacks of paperwork. No matter where you are, you can receive a quick outcome and can get on with your day. The magic of the internet has made securing finance accessible to everyone.

Monzi’s network of licenced and reputable lenders

These days, it has become easy for predatory lenders to disguise themselves as reputable. Even for the experts, it can be difficult to pick the good from the bad. If you use Monzi NZ though, there will be no such concerns.

Through our time, we’ve been able to develop an extensive network of licenced, reputable lenders. We’re committed to doing what’s best for you and the lenders we associate with are too.

Before applying for holiday loans NZ

Having a clear idea of your financial situation is the best way to ensure you can manage a loan effectively. If you understand what you can afford to borrow and repay, you’ll be less likely to find yourself in a financial tangle, struggling to make repayments.

Before diving headfirst into a loan, make sure you have asked yourself the following question?

  • How much am I earning and what current expenses do I have?
  • Why do I need the money?
  • Can I cut costs to reduce the amount I need to borrow?
  • What will my repayment payments be?
  • What fees and rates will be applied?

For more information, be sure to visit the Government’s Consumer Protection site. They have plenty of handy tips, common mistakes and questions to ask yourself before applying for a loan.

Holiday loans NZ – what could go wrong?

Unfortunately, the mismanagement of loans is all too common. While we’ve given you some tips to help you borrow effectively, it’s worth looking at some of the common mistakes people make.

Missed payments and defaults

A missed payments here or there might not seem like the end of the world but it can be costly. After all, missed payments incur a fee. Therefore, just a few missed payments and the costs can add up quickly.

It’s easy to avoid missed payments. In short, when you agree to your loan, lenders set up a direct debit from you account. Therefore, payments will be made automatically so you don’t have to worry about forgetting.

Debt spirals

When it comes to mismanaging loans, debt spirals are the worst case scenario. In short, debt spirals occur when individuals form a reliance on borrowing money to cover their expenses. As the amount of borrowed funds increases, so too do the interest payments. Eventually, defaults or bankruptcy might occur as the repayments begin to build.

What to do if something goes wrong

If you are short on cash and find yourself unable to make a repayment, contacting your lender ASAP is imperative. While late payments typically incur a fee, with sufficient warning, you may be able to develop a plan with your lender on how to manage the situation.

Should you suffer a major change in circumstances (i.e. termination of employment or injury) that leaves you unable to meet your current repayment schedule, you will need to submit a financial hardship application. All lenders will have structures and procedures in place to deal with these situations to ensure the situation can be managed effectively.

Contact us

If you do have questions or are unsure about how a Monzi NZ application works, feel free to reach out to us. Send through your queries or concerns to hello@monzi.co.nz and we’ll do what we can to get back to you with an answer ASAP.

Get started today!

Now that you’ve got all the details, there’s nothing to stop you from applying. Submit your holiday loan NZ application and Monzi NZ will set about trying to find a lender for you.

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Here are some costs you may incur if Monzi is able to match you with a lender today.

Loan amount

$300 - $10,000


12 months to 24 months


Interest Rate between 1.5% and 20% per month

$2,500 repaid over 13 months would have 56 weekly repayments of $75.05. Total interest $1702.80. Total amount repayable $4,202.80. This example is based on a monthly interest rate of 9% and an AIR of 108%.

WARNING: This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amounts available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 292% depending on your personal situation.
Note, your lender may offer you different terms, fees or loan amounts based on your individual circumstances, needs and their own lending criteria. Please check your contract before signing