Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Holiday loans: the perfect ticket to relaxation and rejuvenation!

Holiday loans up to $4, 600, no hidden fees – Apply now at Jacaranda Finance!

Tired of your 9-5 work week, maybe you need holiday loans? Escape to a getaway oasis to recharge and pamper yourself – and your soul.

Health experts suggest that to achieve a healthy work-life balance, we should take a two week holiday every six months. Holiday expenses, however, can pile up, so enlist the help of our fast, no paperwork holiday loans.

Jacaranda Finance offers hassle-free, no paperwork holiday loans, so you don’t have to worry about all the boring expenses, we have it covered! The only work you’ll be doing is catching up on the latest beach reads, or working on your tan.

We are here to finance your next holiday adventure with holiday loans. Jacaranda Finance is 100% online loan company, so all you need is a computer or mobile device and a comfy chair to apply!

how it works question

What are holiday loans?

A Jacaranda Finance holiday loan is a small loan, typically between $300 to $4,600. It’s the perfect fix for those who need an extra boost to launch them into their dream holiday.

We offer fast approval with no paperwork. Holiday loans with Jacaranda Finance are offered from $2,000 to $4,600 over a 12 to 24-month term. You only need to dedicate 4 minutes of your time to our holiday loans application, catch up on your favourite tv, then after 60 minutes we will send you an outcome.

A holiday loan with Jacaranda finance is 100% online, is processed within 60 minutes and will give you a yes or no answer without wasting your time!

how it works question

Need to take a holiday RIGHT NOW?

Jacaranda Finance has you sorted with instant holiday loans. Our 100% online service reduces time wasting, so no more appointments with banks or sweating it out in a queue.

If your application is submitted during business hours it can be approved within 60 minutes!

Once it is approved and you have accepted the contract you could have the cash in your bank account instantly!

how it works question

How do I apply for holiday loans?

It couldn’t be easier! Applying for Jacaranda Finance holiday loans is simple and hassle-free. Our holiday loans require no paperwork for your convenience.

All you need is to be 18 years of age, have a regular income for 90 days, be a permanent Australian resident and have an active contact number and email address.

To complete your online holiday loans application, there are a few simple steps to follow:

  1. Step one

    Our online applications only take 4 minutes to complete! Want help deciding how much to borrow for your holiday? Try our holiday loans repayment calculator. It’s the perfect tool to help tailor a travel loan to your needs.

    The holiday loan repayment calculator is located at the top of every Jacaranda Finance website page. Simply select the loan amount and length you desire and click ‘Apply Now.’ From there you’ll be taken to our holiday loan application, it’s that simple!

  2. Step two

    After you complete your holiday loan application, we will begin to assess your application based on the proof of past financial history and current finances. Adhering to our responsible lending practices, we will look at your bank statement and spending habits to decide what loan is right for you.

  3. Step three

    To lessen the stress of endless red tape, Jacaranda Finance utilises the latest in safe banking technology to look at your bank statements and spending habits. You can simply sit back and share some quality time with your favourite book!

  4. Step four

    When you receive the outcome of your holiday loan application, it’s important to remember we operate under the ethics of responsible lending. We would never lend money to clients where their finances didn’t prove they could make repayments.

  5. Step five

    In 60 minutes you will receive an outcome from your holiday loan application. A 60 minute return time may vary depending on how long it takes to verify it and the information that is supplied.

Hit the Apply Now button at the top of the page and you could be planning your holiday within the hour!

how it works question

How much will my holiday loan cost?

At Jacaranda Finance, this is a common question, so we have designed the right tools to help you figure out how much your holiday loan should cost. We don’t have any sneaky costs that will burden you throughout your loan. We are upfront about all costs when you apply for your holiday loan. No 8 pt. font disguised fees!

To figure out your loan repayment holiday costs, check out our handy holiday loans repayment calculator.

Our repayment calculator can assist you in building a holiday loan you can afford to repay. We care about protecting your privacy and providing security for your information, so once you apply for a loan via the repayment calculator, you will be sent a verification code by SMS.

Cost breakdown

We offer holiday travels as medium secured personal loans or small personal loans. The loan amount ranges from $300 and $4, 600. Our loan terms run from 16 weeks to 50 weeks for small travel loans and 13 months to 24 months for medium secured holiday loans.

We are upfront about all our fees and charges.Our costs include an annual personal rate of 48% and the comparison rate is 66.0347% P.A.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

how it works question

Our customer service promise

Jacaranda Finance is 100% online but doesn’t mean we don’t want you to feel at home. We are the loan experts and ready to help you with any enquiries (and we mean any! There are no stupid questions).

Delivering on quality customer service is important to us.

Our expert loan team is constantly monitoring the Jacaranda Finance website and phones to answer any concerns you may have. Head to our website now and our friendly staff can help fix you up with next holiday loan.

Welcome our latest Jacaranda Finance team member: Dani the bot!

Enter Dani, the latest addition to the customer service team. She is smart and efficient AI bot that is at your service 24 hours a day. Really! Ask her anything. She can handle your enquires quickly and without hassle.

However you may be thinking, why can’t I just talk to a human? Well, at Jacaranda we have the best of both worlds!

Discover more about Dani by clicking here: Meet Dani.

how it works question

Do you perform credit checks on your Holiday Loans?

At Jacaranda Finance, we want to give every applicant a fair go. We don’t let past financial mishaps reflect your current financial situation.

However, we do as responsible lenders perform credit checks to ensure that you can afford one of our holiday loans.

If you have bad credit loans in the past, don’t let that stop you from applying for a loan with us. We want to help!

The Jacaranda Finance difference is that we are much more lenient than most traditional lenders and understand that from time to time unexpected things can happen to affect our credit ratings and we are here to help as much as we can.

how it works question

Do you offer travel loans with bad credit?

Yes, we believe that the past is the past and Jacaranda Finance wants to help you move onto future financial fitness and growth. So, we don’t have a ‘no’ policy on bad credit customers; everyone is welcome to apply.

We do follow the responsible lending practice, so, we do perform credit checks as we do adhere to strict responsible lending codes.

how it works question

Can I be approved for a Holiday Loan if I am receiving Centrelink?


Jacaranda Finance welcomes Centrelink customers to apply for holiday loans. As long as you are receiving a regular income (which includes Centrelink payments) then you are eligible for holiday loans.

Jacaranda Finance accepts almost all Centrelink payments, aside from Newstart and Youth Allowance. We do not accept these payments because we consider them to be a temporary source of income.

Here is a helpful list of Centrelink payments we accept:

Hit the Apply Now button and fill out our 4-minute application to kickstart your next holiday destination!

how it works question

Personal loans for your holiday

Jacaranda offers some of the most competitive holiday loans Australia!

Am I able to get a personal loan for holiday through Jacaranda?

What a great question: Absolutely!

Our holiday loans are also known as personal cash advance loans and are 100% online available anytime all you need to do is Apply!

Jacaranda Finance offers personal loans that are flexible and accessible. A personal loan for your holiday could fund all your expenses or just the flights or accommodation – it’s your choice.

Once approved your cash will be in your account instantly, so need to stress about your spending funds.

how it works question

Do you offer online holiday loans?


Jacaranda Finance is a 100% online cash loan service.

This means that you don’t need to make any appointments with banks, you don’t need to wait for business hours to submit your application.

All you need to do is jump online to our website and hit the APPLY NOW button at any time of day, from wherever you are!

how it works question

How do I repay my holiday loans?

Repaying your holiday loans is as relaxing as your holiday! We do all the work, so all you have to worry about is booking your holiday destination.

Managing a long and complication application, bombarded with paperwork and secret fees, is a thing of the past with Jacaranda Finance. For your convenience, we have designed an automatic repayment process. We utilise the latest in safe banking technology to make your holiday loans repayments paperwork free!

Once your loan has been approved and a finalised loan repayment amount and nominated day.

We will then organise a direct debit to be set up from your bank account and the nominated amount will be automatically direct debited from your account.

It’s that simple!

how it works question

What should I know when I’m thinking about applying for Holiday Loans?

Who is this product for? Those wanting to apply for Holiday Loans
What boxes do we need to tick to be eligible for Holiday Loans?
  • Be 18yrs of age
  • Have a regular source of income
  • Be a permanent Australian resident
What are the repayment terms? Repayment terms will vary depending on each applicant’s agreement but will generally range from 16-50 weeks.
Available Loan types Fixed
Lender Jacaranda Personal Loans
how it works question

You have the holiday loan, now you need the holiday!

Planning a holiday can sometimes take away from the relaxation you need from your time off. So, Jacaranda Finance has you covered with some handy ideas for booking your next holiday:

  1. Decide where you want to go: Think about what kind of holiday you need.Iis it relaxing, challenging or simply an escape from the routine of daily life? Tailor your holiday destination to what you need.
  2. Research costs: Understand the costs of where you have chosen to vacation, is it a typically expensive destination? If so, how do you cut down on costs.
  3. Check for last minute deals: Subscribe to services to find cheap flights! Try Skyscanner and Google flights.
  4. Plan activities: Know what you want to see at your destination before you arrive. This will save you buckets of time, so there’s more time for holidaying!
  5. Enjoy your zen-building vacation!

Jacaranda Finance wants to fund your next adventure of a lifetime. Our holiday loans are simple and fast.

We’re 100% online, 60-minute approval and we’re here for you when you need us to help you get back your financial stability and success!

What are you waiting for APPLY NOW! Pack the car while you wait, don’t give up on that holiday because of some unexpected bills, Jacaranda finance is here to help!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Holiday loans up to $4, 600, no hidden fees - Apply now at Jacaranda Finance! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much