Reviews collected under Lending Room — the team behind Zooma
Don't let saving hold you back from the experiences that matter. Apply once with Zooma and we match you to the right lender for your travel finance. Rates from 8.99% p.a. with no impact on your credit score.
Most applicants hear back the same business day. Not sure you qualify? Check here →
Flights, accommodation, activities and everything in between. Finance the full trip, not just part of it.
International flights, accommodation, tours and travel insurance. Finance the whole trip upfront.
Travelling to or hosting a destination wedding. Cover flights, accommodation and venue costs.
Reunions, overseas family visits or once-in-a-lifetime family holidays. Make the memories now.
Finance your dream honeymoon without draining your savings. Pay it off at a competitive rate.
Campervans, domestic flights and accommodation around New Zealand. Finance a full NZ adventure.
Any travel expense. Apply and we will match you to the right lender for your trip.
One short form. We handle everything so you can focus on planning the trip, not chasing lenders.
Tell us where you are going, the estimated cost and a bit about your situation. It takes around 5 minutes. You do not need to have your trip fully booked — applying first gives you an approved budget so you can book with confidence.
We run a single soft credit check with zero impact on your score and assess your application. We then identify the lender on our panel most likely to approve you at a competitive rate — far cheaper than putting it all on a credit card at 20%+ p.a.
We come back with your approval. If it works for you, we guide you through to settlement. Funds go directly into your account. Use them to book flights, accommodation or the full holiday package. No obligation at any stage.
Estimate your travel loan
Adjust the sliders to see what your holiday loan might cost.
Guide only. Actual rates depend on your profile and lender criteria. Rates 8.99–29.95% p.a. (AIR). Broker fee up to $1,500 and lender establishment fees up to $450 may apply.
One application. Competitive rates. No repeated credit checks. Same-day funding possible.
One soft credit check that does not affect your score — not multiple hard inquiries like going direct to lenders.
BNPL travel finance can carry high fees. A personal loan at 8.99% is often significantly cheaper over the repayment period.
Terms from 6 to 84 months so you can choose repayments that fit without stretching yourself too thin.
See your options before committing. Apply before you book and know your budget.
Most employed New Zealanders with a stable income and good credit record can apply.
Full-time, part-time or self-employed with regular, verifiable income.
NZ citizens and residents welcome. Work visas with 13+ months remaining also accepted.
We assess your situation before approaching any lender.
Domestic or international. Loan amounts from $3,000 to $250,000 across terms of 6 to 84 months.
Takes about 5 minutes. No credit score impact and no obligation to proceed.
Get Started — 5 MinutesReal feedback from New Zealanders we have helped find the right loan.
Everything you need to know before you apply.
Still not sure? Talk to our team
Yes. A personal loan is a common way to fund travel in New Zealand. Rates from 8.99% p.a. through Zooma — often significantly cheaper than a credit card or BNPL travel finance.
Loan amounts range from $3,000 to $250,000 depending on your situation and lender criteria. Terms from 6 to 84 months. Most holiday loans fall in the $5,000–$20,000 range.
Yes. You can apply before booking. Getting approved first gives you a clear budget and lets you book with confidence without scrambling for finance at the last minute.
Yes, in most cases. Credit cards typically charge 19–28% p.a. on outstanding balances. A travel loan at 8.99% p.a. repaid over 2 years is significantly cheaper than carrying the same balance on a credit card.
No. We use a soft credit check that does not appear on your file or affect your score.
A broker fee of up to $1,500 applies when your loan is funded. Lender establishment fees of up to $450 may also apply. No upfront fees to apply.
Borrowing for travel is a personal decision that depends on the trip, the rate and your financial position. Used wisely, a travel loan lets you take the trip now and repay at a manageable rate — often significantly cheaper than putting it on a credit card.
The key is the interest rate. At 8.99% p.a. over 2 years, a $5,000 travel loan costs around $230 in interest — far less than the same amount on a credit card at 22% p.a. which would cost over $1,100 if paid off over the same period.
Planning the right loan amount starts with understanding typical travel costs for New Zealanders:
Return flights $600–$1,200, accommodation $150–$300 per night. Total budget typically $5,000–$12,000 for two.
Return flights $1,800–$3,500 per person. All-in budget for a month including accommodation and activities typically $8,000–$20,000 per person.
Fiji, Samoa or Rarotonga return flights $500–$1,200 per person. Resort packages $200–$600 per night. Total budget $4,000–$10,000 for two.
A week in Bali or Fiji for a wedding group can cost $3,000–$7,000 per couple including flights, accommodation and gifts.
Campervan hire for 2 weeks runs $1,500–$3,500. Fuel, accommodation and activities add $1,000–$2,000 for two.
Zooma can arrange travel finance from $3,000 to $250,000 across terms of 6 to 84 months. Apply in 5 minutes.
There are several ways to fund travel in New Zealand. Here is how they compare:
Convenient but expensive if not fully repaid. Most NZ credit cards charge 19–28% p.a. on outstanding balances. A $10,000 holiday at 22% p.a. that takes 3 years to repay costs over $3,500 in interest.
Some booking platforms offer BNPL options. These often have short repayment windows and high fees if you miss payments.
A fixed rate from 8.99% p.a. with a fixed term and predictable repayments. You know exactly what you'll pay each month and when you'll be debt-free.
For holidays over $3,000 that you won't fully repay within a month, a personal loan through Zooma is typically the most cost-effective option.
One application. Competitive travel finance rates from 8.99% p.a. No credit score impact.
