FlexiCredit
New
Win $5,000 with Jac this Xmas5
Take out a loan in November for your chance to win! Find out more
For your dream trip
Holiday Loans
- Loans up to $25,000
- Complete your application in minutes1
- Apply on weekends, 100% online!
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
I'd like to borrow
Over the term of
You can now check your eligibility,
with no impact on your Credit Score!
2,660+ Reviews
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
View all our awards
Award-winning lender
What is a holiday loan?
A holiday loan is a personal loan used to pay for travel expenses. According to our data, holiday and travel are commonly listed as one of the most common reasons for taking out a loan!
Our express holiday loans can provide up to $25,000 for would-be travellers. With rapid 5-12 minutes1 applications, same-day approvals2 and 60-second transfers3, you could have the money you need for your next trip in your account in next to no time.
-
Fast response and quick service. Life savers
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Holiday Loan Details
| Loan Amounts | $2,100 to $25,000 |
|---|---|
| Loan Terms | 9 months to 48 months |
| Loan Type | Secured and unsecured |
| Rate type | Fixed |
| Repayment options | Weekly, fortnightly or monthly |
| No early payout or exit fees | Customers who pay their loan out early do not incur any additional fees or charges for doing so. |
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
A loan for all seasons
What can I use a holiday loan for?
Travelling overseas can come at a significant expense, with a Westpac study from several years ago finding the average Australian was spending nearly $5,000 per overseas trip.
Taking a holiday is fun, but the cost is often a major barrier. Sometimes, a holiday is just what you need to rest, relax, and rewind, which is why at Jacaranda Finance, we offer holiday personal loans for up to $25,000, to provide you with the funds you need to get out and see the world.
By taking out a holiday loan, you can use those funds for just about any of the following major holiday expenses:
- Flight costs
- Accommodation
- Travel insurance
- Transport and car hires
- Tours and activities
- Activities and events
And much more.
What other finance products do we offer?
Cash Boost Loan
Cash Boost is a fast finance solution for small-to-medium-sized expenses, with the cost spread out over the term of the loan with manageable repayments.
- Loan amounts: $2,100 - $4,600
- Could be suitable for: Car repairs, medical expenses, vet expenses, white goods etc.
Express Car Loan
Hit the road with a fast, flexible and reliable express car loan from Jacaranda Finance.
- Loan amounts: $10,000 - $25,000
- Could be suitable for: New cars, used cars, balloon payments
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
The top overseas destinations to visit
Need some holiday inspo? Check out our pages on some of the top tourist destinations for Aussies by clicking the links provided to read some detailed information on each one:
Not flying overseas?
We also offer loans for domestic airfares and cruises!
Our eligibility criteria
Our eligibility criteria
Am I eligible for a holiday personal loan?
The basic eligibility criteria you must meet before submitting an application:- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, employer, dependant number)
- Online banking details
There are instances where our team may need to request further information or supporting documents from you. Don't worry, we will let you know exactly what we need and why we need that information from you.
See all FAQs
Holiday Loan FAQs
Find out the answers to some of our most frequently asked questions here about our holiday loans.
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $25,000
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 loan products, visit our rates and fees page.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
Review our Privacy Policy for more information.
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.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:
- Monday - Thursday: 8.00 am - 5.00 pm
- Friday: 8.00 am - 4.00 pm
- Saturday: 8.00 am - 12.00 pm
- Sunday: Office Closed
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 and the loan product, loan amount and loan term you qualify for.
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 loan products, visit our rates and fees page.
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:
we're here to help
Need a hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
