Foreign travel when you’re young can open up a whole new worldview, exposing you to new ideas and experiences and sometimes even changing the course of your life.

It’s ironic that we’re encouraged to spend our youth working and managing our money carefully, so that we’ll be ready to 'settle down'. It’s a sensible strategy – you do need to save and invest for a successful future and a comfortable retirement. However, by the time you can afford to take that dream holiday around the world, you may not be as athletic or adventurous as you used to be.

That’s where responsible credit use can give you the best of both worlds.

A personal loan to travel anywhere

If you’re managing your financial liabilities well, you’ll have a good credit score, and some disposable income left every month after paying your bills and contributing to your savings and investments. If that disposable income will cover the payments on an affordable personal loan, why should you wait to set off on the ultimate holiday adventure?

Time is more valuable than money, so #BankYourTime. No matter what age or career stage you’ve reached, you can still give yourself the chance to visit your loved ones scattered around the world. Or you can grab that never-to-be-repeated travel deal to a faraway place that’s always fascinated you. Seize the moment and don’t miss out on everything the planet has to offer. 

#BankYourTime

At Nedbank, we see money differently. As money experts committed to doing good, our #BankYourTime campaign highlights something we often forget – that although money and proper money management are essential to a better lifestyle, the time you spend enjoying that lifestyle with your loved ones is what’s most important. Building wealth purely for wealth’s sake has no purpose – enjoying a healthy work-life balance should be your priority.

The campaign encourages South Africans to find smart ways to save time, and then bank that time towards living a more fulfilled life. Khensani Nobanda, Group Executive for Nedbank Group Marketing and Corporate Affairs, says: 'The campaign also highlights how important Nedbank’s smart digital offerings are in saving our clients time. Our digital banking channels leave you with more time to do the things that really matter to you.'

Financing your holiday adventure

A Nedbank personal loan could be the help that means you don’t have to choose between your financial well-being and your travel dreams. You can apply online quickly and easily via the Money app or Online Banking. We conduct a thorough assessment of your financial circumstances when you apply, to make sure that you can afford a loan, and to calculate the loan amount that you can pay back comfortably.

We offer flexible repayment terms and competitive interest rates to tailor the best personal loan deal for you. If your documents, application and credit score are all in order, we can let you know the result of your application within 90 minutes.

You can also receive R200 cashback every month while you’re paying off your loan. Read more about the details of our cashback offer and the full terms and conditions.

Use our loan repayment calculator to work out exactly what a loan will cost you every month – if a loan is unaffordable over the short term of, say, 6 months, you might find you can afford the monthly payments if you pay it back over 12 months or more. You can even take out credit life insurance on your loan through our online channels, for greater peace of mind.

However, remember that an application does not guarantee approval, no matter what results the loan repayment calculator shows. We will assess your application according to our lending policies and, if it is approved, calculate a loan offer based on your individual financial circumstances. This offer will show you all the costs and conditions before you accept the loan.

Save on your travel deals

Nedbank can save you even more time and money, starting with making it easier to decide whether to use cash or cards when you travel. If you’re a Greenbacks member, you’ll get exclusive discounts of up to 30% on flights with selected airlines when you book through Greenbacks Travel on Avo SuperShop.

If you pay your loan instalment on time every month, you qualify for the Greenbacks Responsible Borrower level, which enables you to earn Greenbacks on qualifying spending at a higher rate. You can save even more by using your Greenbacks to pay for some of your holiday expenses.

If you’re ready to explore the world, apply for a Nedbank personal loan and start planning that adventure. #BankYourTime and create memories that will last a lifetime.