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Holiday Loans Australia in 2021

Personal Loans up to $10,000

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Travelling in 2021

In the midst of a global pandemic, going on a holiday may seem like an impossible task. Coronavirus has made travel extremely limited. International travel is banned indefinitely, and border closures make interstate travel risky as the restrictions can change so quickly. 2020 was a stressful year for all; a holiday loan may be a great way to destress and recoup. 

While travelling in 2021 is difficult, it is not impossible. Most state borders are currently open making interstate travel a popular option among Aussies. Australia is comparable to the size of Europe and full of beautiful locations and scenery; there will be a location that suits your holiday needs.

What is a holiday loan?

A holiday loan is a form of online personal loan used to cover the expenses of your holiday. Jacaranda Finance offers holiday loans from $300 to $10,000. Whether you are going on a small weekend getaway with your partner or a two week trip with the kids, Jacaranda will have a finance option for you.

A personal loan for vacation allows you to borrow money to cover a variety of costs. You can cover your hotel expenses, flights, tours, theme park attractions, car hire or any other expense associated with your holiday. 

We offer three types of personal loans: small unsecured personal loans, medium secured loans and large secured loans. These are further broken down in the table below:

Loan type Loan amount Repayment terms
Small loan $300 to $2,000 9 to 12 months
Medium loan $2,100 to $4,600 9 to 24 months
Large loan $5,000 to $10,000 9 to 24 months

For more information about our loan options, visit our interest rates page

Holiday loans for domestic travel

A holiday loan from Jacaranda can give you the cash boost you need to take yourself and/or your family on the getaway of a lifetime. Whether you’re on the East or West coast, there is an abundance of natural beauty for you to explore.

Whatever state you reside in, there is a holiday spot to suit you and your family. Consider the following spots, if you live within its vicinity.

Gold Coast, Queensland

The Gold Coast is a great location to take your family, or for a relaxing weekend away with your partner. There are an array of theme parks with rides for kids big and small, as well as beautiful beaches patrolled by highly experienced lifeguards. Whether you are looking for a thrill or somewhere to surf, the Gold Coast will have something for you. 

Byron Bay, New South Wales

Known for its relaxed and welcoming culture, Byron Bay is a great spot for a relaxing getaway. The Cape Byron Lighthouse and Tallow Beach are just two beautiful locations; you might just bump into Chris Hemsworth if you are super lucky!

Melbourne, Victoria

The capital city of Victoria, Melbourne is a fast-paced, beautiful city often described as the ‘New York’ of Australia. With massive skyscrapers, a high-paced nightlife and landmarks like Flinders Street Railway Station and Eureka Skydeck, Melbourne is a great place to explore. 

Barossa Valley, South Australia

The Barossa Valley is the renowned wine-producing region of Adelaide. There are an array of celery tours and tastings available, as well as many beautiful churches attributed to the German settlers of the 19th century. 

Hobart, Tasmania

The capital of Australia’s smallest state still has many things to offer. It is a much colder climate than most places in Australia, featuring the likes of Mount Wellington and Royal Tasmanian Botanical Gardens within close proximity.

Broome, Western Australia

Broome is another beach location, residing along the Indian Ocean coastline. You can ride camels, see dinosaur tracks or just relax on the beautiful beaches. To get away from the city, Broome is as good as it gets. 

Darwin, Northern Territory

If you’re looking to go north, Darwin could be a great destination. Want to see some crocodiles? Crocosaurus Cove will be sure to impress you. There are beaches, national parks and many museums, including the Darwin Military Museum. 

Canberra, Australian Capital Territory

If you have never visited the capital city of Australia, now could be the time to do so. It is Australia’s largest inland city and it is an entirely planned city, with many great historical locations like the Australian War Memorial. You can visit Parliament House, the National Museum of Australia and the National Gallery of Australia. 

When will international travel be allowed?

The fact that we have the luxury of domestic travel in Australia is great, but when will international travel be allowed? In Australia, we are isolated away from most other countries. 

The prospects for international travel are completely unknown. New Zealand Prime Minister Jacinda Ardern has stated that she wants to ‘move cautiously’ before creating a travel bubble between Australia and New Zealand. Speculations about whether this will happen soon have circulated for months, but nothing is promised or guaranteed. 

It is most likely international travel to New Zealand will come first, before we are allowed to travel the rest of the world again. It is likely that international travel will not be reinstated until the COVID-19 vaccine has been distributed and taken by a considerable number of the population. For up to date information about Queensland border restrictions, visit the Queensland Government website.

How to apply for a holiday loan

Applying for a holiday loan with Jacaranda is easy and stress-free. We are completely online and our application is paper-work free, so you don’t need to worry about physical paperwork or long waiting times. Our 100% online application process can take just minutes to complete. If you apply within our business hours, you could get an outcome on your loan within the hour. We specialise in fast loans; we distributed Australia’s first 60-second loan payout. To get started, follow these simple steps:

Step 1: Apply online

Step 2: We assess your application

Step 3: If approved, review and sign your electronic contract

Step 4: You receive your loan


We have a few standard eligibility requirements all of our applicants must meet. If you wish to apply for one of our holiday cash loans, please first ensure you meet the following requirements:

  • You are at least 18 years old
  • You are an Australian citizen or Australian permanent resident
  • You have had a consistent income into your bank account for 90 days
  • You have an active email address and mobile number
  • You have internet banking set up

Documents required

To submit your completed application, you will need to provide the following supporting documents. 

  • 100 points of I.D (passport, licence, medicare card, birth certificate)
  • Your basic personal information (name, D.O.B, address etc.)
  • Online banking login details 
  • The reason for your loan application 
  • Your myGov details (if you receive Centrelink benefits)

Holiday loans for bad credit

Bad credit does not mean you cannot access holiday finance loans with Jacaranda. We provide bad credit personal loans because we support financial inclusivity. We utilise advanced financial technology to assess all of our applications. We use an online bank statement service to access read-only copies of your bank statements to analyse your financial commitments, including your income and spending habits. 

While we must conduct credit checks on all of our applicants, your credit score will not stop you from accessing finance. If you have a bad credit history, but your relationship with money has improved, we may be able to provide you with a bad credit personal loan. 

All of our applications are subject to a thorough financial assessment. We will never approve a loan that you will not be able to repay. We adhere to the responsible lending obligations set by ASIC.


How much can I borrow when taking out a loan for a holiday?

You can borrow any amount from $300 to $10,000. We will conduct a credit assessment to ensure that you can afford your repayments and, as long as you also meet our eligibility requirements, we may be able to provide you with a loan.

How do I repay my loan?

We will set up a direct debit to be taken from our account automatically to line up with your pay cycle (weekly, fortnightly or monthly). These payments will continue until your loan is repaid. When your loan has been repaid in full, the repayments will stop.

What are the fees and charges?

Fees and charges on our cash loans depend on a few critical factors. The type of loan you apply for (small, medium or large) will have different fees and charges. It will also accompany different repayment terms, which may incur monthly fees or interest. Additionally, your credit score will impact your loan cost. If you have poor credit, the interest rate on your loan will likely be higher.  

Can I pay off my loan earlier than my agreed loan term?

We do not charge early repayment fees at Jacaranda. If you wish to repay your loan before the life of the loan, you will not be charged for this. This could save you in monthly or interest fees, depending on your loan terms. 

How to make the most out of your personal loan for vacation

The latest in productivity research has indicated that taking time for yourself will improve your health and your mood, boost your brain function and improve your productivity. In order to make the most of your holiday break, there are a few things you can consider. 

Don’t work while away

You’re on a holiday; try to experience this rather than continuing to focus and stress about work. If it is possible, try to stop yourself from checking your work phone or email account. Even if you must check your emails, set a time for yourself to do so and then put your phone away. Try to make the most of your time away by being present and having the distance and mental relaxation to go back to work energised and full of creativity.

Sleep lots

Sleep is extremely important to our mental and physical health. Vacations can improve your well-being if you get the sleep you need to recharge. Ensure that you are staying somewhere with a comfortable bed, not on a futon, if at all possible.

Try something new

There is a lot of evidence that learning new things, like a language or instrument, has powerful effects on the brain. Try and learn a new hobby; whether it’s painting, fencing or yoga. By breaking your normal mental patterns, you will have a new sense of refreshment.

Spend time with your family or friends

Holidays allow you to improve your relationships with your partner, friends or family because you can give them your undivided attention. This can allow you to be more connected with your loved ones. 

*If you apply within our business hours.

**If you have an NPP-enabled bank account.

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Reviews current as of June, 2021.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.