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Turn your ideal holiday into a reality.
A Simplify holiday loan gives you the freedom to book now and pay it off in easy instalments.
No impact on your credit score
Tailored loans for every holiday plan
Flexible options
Whether you're planning a weekend getaway or a dream overseas trip, you can tailor your holiday loan to fit your plans and budget.
Simple, transparent
Enjoy fixed rate with low fees, so you always know what your repayments will be with no surprises. Making it easy to manage your loan.
Fast, hassle-free
You’ll receive a decision within 24 hours. It’s quick, easy, and designed to get you one step closer to your holiday, faster.
Weekend getaways to big adventures
How it works
Tailored loans for every holiday plan
1
Quick apply
Complete our quick online form with a few details about yourself and your wedding plans.
2
Get fast decision
We’ll review your application and get back to you quickly. No long waits or confusing processes.
3
Get funds and go
Once approved, your loan is paid directly into your account, just book, pack, and take off.
Join thousands of Kiwis who’ve made their dream holidays happen with a personal holiday loan from Simplify.
Take off sooner If the only thing standing between you and your next getaway is the cost, a holiday loan from Simplify can help make your travel plans a reality. Whether it’s flights and hotels, cruises, tours, or spending money - you can cover it all with a single personal loan tailored to your budget.
Simplify’s holiday loans are designed to give you financial freedom, so you can book now and repay over time with confidence.
Unsecured holiday loans (No Asset required)
All Simplify personal loans are unsecured, which means you don’t need to offer your car, home, or other assets as security. If life takes a turn and you miss a repayment, you won’t lose your belongings - but you may face late fees or credit impacts. This makes unsecured loans a more flexible and lower-risk option for many travellers.
Fixed interest rates for peace of mind
Unlike variable interest loans that fluctuate with the market, Simplify holiday loans come with a fixed interest rate. That means your repayments stay the same each month - giving you certainty, simplicity, and no unexpected surprises while you’re off enjoying your trip.
Highly rated by MoneyHub See why Simplify is featured as one of New Zealand’s trusted personal loan providers in their independent review.
Top Tip: Start with a realistic travel budget that includes flights, accommodation, insurance, daily expenses, and a buffer for the unexpected. Borrow only what you need - you’ll thank yourself later.
To learn more about how debt consolidation works and explore tools, calculators, and comparisons, check out our partners at MoneyHub's guide to personal loans.
Apply and fly
Whether you're planning a tropical escape, a family road trip, or that long-awaited overseas adventure, a Simplify holiday loan gives you the flexibility to book your travel with confidence - and repay it your way. Get travel-ready, sooner.
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