Whether it's a South Pacific getaway or a trip to the Great Barrier Reef, we can help make your cruise dreams a reality.
Apply online today and see how Jacaranda Finance can take you on your next adventure.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Right now could be the perfect time to book a cruise, no matter whether you're a seasoned cruise veteran or a newbie looking for a holiday without the fuss. According to the ABC, interest in cruise ships as of 2023 is 90% higher than it was in 2022. Google Trends data meanwhile shows interest in cruises is starting to recover to where it was before the COVID-19 pandemic caused it to sink like The Titanic.
Cruises can be a very flexible choice for a holiday, as they can offer a range of different packages to suit travellers from all sorts of different backgrounds with different preferences. You could pick a budget cruise where you float around in the ocean for a few days, or you could splash the cash on a longer cruise with stops on land at several idyllic locations around the globe.
If you're looking to book a cruise for your next trip but would rather not part with the cash up front, a fast online loan with Jacaranda could be the solution you need!
Set sail on your dream cruise with Jacaranda Finance. Get the financial support you need to embark on your adventure with flexible loan options, competitive rates and speedy applications.
At Jacaranda, we're a 100% online lender. That means there's no hefty paperwork or long lines with us. Instead, we utilise state-of-the-art technology that allows you to:
See below for more information on how our application process works or click here if you're ready to get started!
The cost of a cruise holiday in Australia can vary greatly depending on the type of cruise, the cruise company itself, the length of the trip, the time of year, and the level of accommodation you choose. This makes it hard to nail down one specific number when discussing the cost of a cruise, but the typical seven-day cruise in Australia will likely cost anywhere between $800 - $2,500 per person.
By comparing cruises from Australia on Flight Centre, we found that the single most expensive cruise package available as of February 2023 is the Coral Coast, Seychelles & Exotic Islands tour from Seabourn Sojourn. The price? A casual $53,999 per person for a total of 81 nights, which is about $667 for each night!
At the other end of the scale, a three-night ocean-only cruise aboard the Carnival Splendour that boards in Sydney and ends in Sydney will set you back just $343 per person for an indoor room ($518pp for an outdoor room). So there's a huge range of prices you can pay for a cruise.
Depending on the cruise, this price can be inclusive of things like meals, snacks, entertainment and activities, while other optional extras like shore excursions, alcohol, souvenirs and shopping might not be. Check the cruise package before you confirm your purchase to confirm what you're paying for.
There are several major cruise companies that operate in Australia, with the most prominent ones being:
Some other notable cruise lines include Norwegian Cruise Line, MSC Cruises and Holland America Line. As there are quite a few to choose from, it's important to research and compare all the different options available that best suits your own needs and budget.
You can use a variety of different sites like Flight Centre, Tripadvisor, Ozcruising, Finder, Cruise Guru and more to filter cruise packages based on your preferences.
Cruises don't usually just park in the ocean. They tend to stop at various destinations along the way, allowing you to disembark and explore different places at your own place (just as long as you make it back in time!).
Here are some of the best places you can go on a cruise from Australia.
We also offer loans for both domestic and international holidays. Check out the links below to learn more about our overseas and domestic travel loans, including how much these holidays can cost and some tips on what to do in each location.
Our express holiday loans can provide the funds for most major expenses you'll encounter on cruises, domestic holidays or international vacations. By borrowing up to $25,000 with Jacaranda, we can help you pay for:
And much more, allowing you to rest, relax and unwind.
See also:Â Top 5 Overseas Holidays under $15,000 in 2023.
Before booking a cruise holiday from Australia, it's generally recommended you look into the following, as each cruise package will be different:
Am I eligible for a Loan with Jacaranda?Â
You must meet the following basic eligibility criteria before submitting an application:
Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
Find out the answers to some of our most frequently asked questions here about our cruise loans, as well as some general information you might find useful.
Visit our rates and fees page to get an idea of the costs associated with our loan products.
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria, loan amount, and loan term for which you qualify.
Use our loan repayment estimate calculator to get a guide on what your repayments could be.Â
You can apply for varying loan amounts with Jacaranda, depending on your needs:
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.
Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
A loan with Jacaranda Finance is a flexible option you can use to pay for some of life's biggest expenses: planned or unexpected.
Here are some of the most common reasons our customers take out a loan:
$3,000 - $25,000
