Five affordable international destinations for Kiwi travellers

Low-cost travel ideas for your next big trip.

Posted February 2025 by Kelly Scott

Tags: holiday loan , travel loan , budget holiday

You don’t need a massive budget to see the world. There are plenty of places where your Kiwi dollar goes further, which means you can take that much‑needed break without breaking the bank.

Here are five destinations popular with New Zealanders where costs are lower, and a Unity travel loan could help you lock in flights or cover upfront expenses.

1. Bali, Indonesia

Bali’s a Kiwi favourite for good reason. Think amazing beaches, affordable luxury, and a vibrant culture.

• Why it’s affordable: You can grab meals for less than $10 and find great deals on villas.
• Loan tip: Flights can be the biggest upfront cost. A travel loan helps you snap up sale fares or book early to avoid price hikes.

2. Fiji

A tropical getaway just a few hours from home.

• Why it’s affordable: Package deals often include flights, accommodation, and meals.
• Loan tip: Budget for “extras” like activities or transfers (they can add up quickly!).

3. Vietnam

From busy cities to quiet beaches, plus some of the best street food around.

• Why it’s affordable: Accommodation and food are very cheap, meaning you can enjoy more for less.
• Loan tip: Use part of your loan for essentials like visas, insurance, and domestic flights.

4. Japan

It’s not the cheapest, but if you plan smart, you can get great value.

• Why it’s affordable: Rail passes can save you money, and guesthouses are cheaper than hotels.
• Loan tip: Booking flights and train passes early helps secure lower prices.

5. Samoa or Rarotonga

Closer to home, but still feels like another world.

• Why it’s affordable: Shorter flights and self-catering options can keep costs down.
• Loan tip: Flights can book out in peak season. Having finance ready means you won’t miss the best deals.

A Unity travel loan could help cover flights and upfront bookings now, and you can spread the repayments over time to make your dream trip more achievable.

Personal loan floating interest rates range from 9.90% - 21.90% p.a. secured or 12.90% - 24.90% p.a. unsecured. Loan term 1 – 7 years. T&Cs apply. On drawdown a $200 application fee will apply. View rates & fees at unitymoney.co.nz.