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Go on a holiday

 

What type of holiday should I go on?

This is where the fun begins. Choosing where you want to travel to depends on the type of holiday you want. Do you like an action-packed adventure, a romantic tropical getaway, or is a Caribbean cruise more your style?

The final destination will often depend on your budget and the amount of time you have to travel, so start with these points and go from there. Take into account things like currency conversion too and research which destinations offer the best value and conversion rate.

The main factors that will affect the overall cost of your holiday will be:

  • What level of luxury you want
  • What the exchange rate is
  • How long you’re staying away
  • How far you’re travelling

Quickly calculate your holiday personal loan

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Your repayments would be

$[repayment] per  month

Total interest payable

$[interest] over  [duration] years

* The graphical representation of loan calculations is not precise and is representational only.
The calculations provided are estimates only and based upon the information entered into the calculator by the user. The calculations do not include upfront or continuing credit fees and charges. The resulting calculations do not constitute a loan application or variation to an existing CUA facility, loan offer or loan approval.

What expenses do I need to be aware of?

When you’re budgeting for your holiday, remember to include the smaller expenses as well as big-ticket items like flights and accommodation. Things to remember are taxis or airport car parking, eating out, ‘exploring money’ for any day trips you take while you’re there, and tip money if you’re travelling to somewhere like the USA. It’s worth factoring in about ten per cent on top of your budget as a contingency plan too.

It’s a good idea to make a checklist so you can keep track of what you have and haven’t paid before you go.

Costs before you travel Show more

  • Airfares
  • Travel insurance
  • Luggage
  • Visa and passport
  • Accommodation
  • Travel agent bookings
  • Prepaid car hire bookings
  • Immunisations
  • Foreign currency exchange
  • Food
  • Foreign currency fluctuations
  • Entry fees to sights
  • Activity fees
  • Shopping and souvenirs
  • Phone calls
  • Emergency money
  • Taxis and transport
  • Some accommodation
  • Transfers
  • Will you still paying rent for home while you’re away?
  • Do you need to pay for a pet sitter or pet boarding?
  • Will your hotels require a security bond held on your credit card and if so, for how long? This will prevent you from accessing the money on your card.
  • Income you won’t be earning if you aren’t covered by annual leave.

A personal loan just for you

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Important information Important information Show content

Rates current as at 24 May 2018 and subject to change.

Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weekly or fortnightly basis.

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959 AFSL and Australian Credit License 238317 to approved applicants only. Lending criteria, terms, conditions, fees and charges apply. Ask us for details.

** Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**** Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured loans only. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.