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Traveling overseas
Your journey begins with the hours you spend
researching images of white sandy beaches
or snow-capped mountains.
Perhaps think about which part of the world
you are most culturally drawn to and which sites
you would like to see; then work backwards from
there and consider how much time off work
you’ll be able to take, how far away your
destination is and whether or not seasons
are an important factor.
Plan your holiday
Best laid plans
Flights and accommodation
Begin by seeking out the best airfare and hotel deals into your destination city by using online comparison sites, asking your friends and reading travel forums.
If you’re pressed for time or visiting a peculiar destination, you may like to consider using the expert help of a travel agent.
Choose your sights
Create a list of destinations, stopovers, sites and locations you’d like to visit, and how much time you would like to spend at each.
This should give you a good idea of how long your stay will be, which route you’ll be taking and how you’ll be travelling internally.
Preparing your banking for traveling overseas
Be sure to tell your bank about your travel plans, including stop-overs, before you take off.
You also need to consider how you'll access your money while overseas. Remember your internet banking credentials to keep track of your account when you're traveling.
A mix of cards, such as a Cash Passport and foreign cash while overseas will provide flexibility in case anything gets lost or stolen.
Saving for a holiday
Do your sums
Decide on how much money you will need for the overall holiday, including flights, accommodation, insurance and gear, and then add in the price of food, activities and spending money.
Think about how much savings you have, how much you will earn before you depart and then how much you would like to borrow.
Holiday Loans start from as little as $2,000.
Foreign Currency
- Learn more about our Foreign Cash options.
- Exchange some Australian dollars into foreign cash for when you land.
- Consider using a Cash Passport Card to avoid overseas withdrawal fees and conversion rates.
Travel and Holiday Loans
We offer a range of personal loans to help you take that dream holiday.
Discounted Personal Loan
- No ongoing fees, and a low flexible discounted rate available for almost any purpose including travel
- Loans from $10,0001,2
- Loan terms up to ten years4
- Various security options available
Personal Loan Unsecured
- A flexible loan with no ongoing fees, which is available for almost any purpose including travel
- Loans from $2,0003
- Loan terms up to seven years
- No security required
Travel Insurance
Insure your travels
Be sure to prepare for the unexpected!
When planning your holiday, remember to factor in the price of travel insurance just in case.
Insurance can cover unexpected medical expenses, and protect your belongings in case of loss, theft or damage.
You've got travel insurance and need to make a claim?
Click here.
Simple and flexible travel insurance
Wherever you may be heading next, make sure unexpected events don’t ruin your trip or your wallet!
Get a quote online today, call 13 11 82 or visit your nearest branch - it’s quick and easy.
Travel checklist
1. Be a smart traveller
Register your travel plans with Smartraveller.gov.au
They provide general health tips, travel advice bulletins and in an emergency the Australian Government will be able to contact you.
2. Seek permission
Check to see if you need a visa to visit your destination or any permits if you’re visiting national parks or heritage sites.
3. Better safe than sorry
Make photocopies of your passport, travel itinerary, travel insurance policy and any other information that you might need to access in case of emergency on your trip and leave with a trusted friend or family member.
4. Need any vaccinations?
Check with Immunise Australia to see if you will require any vaccinations before you depart.
Vaccines covered by the National Immunisation Program (NIP) are provided free-of-charge to eligible people.
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Thank you for your enquiry. Unfortunately we don’t have a branch in this area, so please call us on 13 11 82 to see how we can still help you.
1 A Discounted Personal Loan (Car Loan) may be used to purchase or refinance a car up to 2 years old from year of manufacture (currently from 2016) which must be used as security for the Car Loan.
2 Secured by a vehicle which is less than 7 years old. As your interest rate will be based on various factors such as your loan criteria and our assessment of your application, a different rate may apply if the vehicle used as security is more than 7 years old. We will confirm the specific details of your loan, including your actual interest rate and repayment amounts in your loan offer document.
3 As your Unsecured Personal Loan interest rate will be based on various factors such as your loan criteria and our assessment of your application, a different rate may apply to your loan. We will confirm the specific details of your loan, including your actual interest rate and repayment amounts in your loan offer document.
4 Fixed for 5 years then reverts to a variable rate of 11.55%p.a. for remaining term.
Subject to the product issuer’s underwriting rules and acceptance guidelines.Terms, conditions and exclusions apply and are available upon application.
The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Product Disclosure Statement (PDS), other Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.
General insurance (including Travel Insurance) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. All our insurance issuers pay commission at rates which range from 0% - 40% of the base premium. The commission rate varies depending on the type of insurance.
People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd. ABN 11 087 651 125 Australian Financial Services Licence 244310, acts under its own Australian Financial Service Licence and under an agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance.