FlexiCredit
New
Travel Loans for India
Looking for a way to fund your dream trip to India? Look no further than Jacaranda Finance's travel loans!
With ultra-fast applications and flexible repayment options, our loans make it easy to turn your travel dreams into a reality.
Apply online today and start planning your adventure!
Borrow $5,000 to $25,000
Same-Day Approval2
24-48 month terms
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Looking for a way to fund your dream trip to India? Look no further than Jacaranda Finance's travel loans!
With ultra-fast applications and flexible repayment options, our loans make it easy to turn your travel dreams into a reality.
Apply online today and start planning your adventure!
Borrow $5,000 to $25,000
Same-Day Approval2
24-48 month terms
Award-winning lender
Why travel to India
Did you know India is one of the top 10 destinations for Aussie travellers? According to the Australian Bureau of Statistics (ABS), as many as 426,000 Australians headed there in 2019, making it our 8th most popular choice. Many of those would be the 721,000-odd people of Indian origin living in Australia (based on the 2021 Census) returning home or visiting family.
India is a fascinating country with a rich cultural heritage, stunning landscapes, and unique experiences waiting to be discovered. From the iconic Taj Mahal to the colourful cities of Rajasthan, the tranquil backwaters of Kerala to the bustling streets of Delhi, India offers something for every type of traveller.
So if you're thinking about your next adventure, why not give India a try?
What is a travel loan?
A travel loan, or holiday loan, is simply 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, with customers using them to pay for some of the following:
- Flight costs
- Accommodation
- Travel insurance
- Transport and car hires
- Tours and activities
- Activities and events
With holidays (particularly overseas ones) easily costing five figures, a holiday loan can allow you to avoid paying for the whole thing in a lump sum or overspending with a credit card. By borrowing a lump sum to be repaid in manageable instalments, you know exactly what your trip will cost before you even leave the country with a travel loan.
About our travel loans for India
Even though India can be a cheap place to visit overall, the costs of a holiday there can still add up if you're not careful. A personal loan with Jacaranda Finance can give you a set budget to work with right at the beginning, so you know what you're working with and can avoid overspending.
Our express holiday loans can provide up to $25,000 and loan terms as long as 48 months, with fixed interest rates ensuring your minimum repayments always stay the same. With rapid 5-12 minutes1 applications, same-day approvals2 and 60-second transfers3 available 100% online, you could have the funds you need for your Indian vacation in no time.
See below for more information on how our application process works or click here if you're ready to get started!
Loan Details
Loan Amounts:
$5,000 to $25,000
Loan Terms:
24 months to 48 months
Loan Type:
![Show the About Security modal]()
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. Fixed fees that have already been incurred are due and payable.
THE APPLICATION PROCESS
We Make Applying Easy
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.
That’s why our loan application process has been perfected over time to be as simple and quick as possible.
How much does it cost to travel to India from Australia?
The cost of a holiday in India can vary depending on a number of factors, primarily:
- Your length of stay
- Your destination(s) within India
- Your accommodation
- The activities you get up to
- The time of year you book and the airline you fly with
And more. Generally speaking though, India is one of the more affordable overseas destinations available for Aussies.
The average spend per trip to India by Australians was reported to be around $3,100 AUD in 2019 (pre-COVID), while the average length of stay was 23 days (The ABS). Budget Your Trip quotes the typical daily budget for a mid-range Indian Holiday at just $45, with $20 of that set aside for accommodation. For a high-end, more luxurious holiday, however, that daily budget jumps to $130.
Flights and accommodation will generally be your biggest expenses when travelling to India, although Skyscanner quotes the cheapest return flight from Australia (as of March 2023) at just $425. Flights can easily rise as high as $600-$1,200 and even more in some instances, so make sure you shop around for a good deal.
The average cost of travel to India
|
One week (AUD) |
Two weeks (AUD) |
One month (AUD) |
|
|---|---|---|---|
|
For one person |
$323 |
$647 |
$1,386 |
|
For a couple |
$647 |
$1,294 |
$2,773 |
Source: budgetyourtrip.com, accurate as at 1 March 2023. Dollar amounts are based on 'mid-range' travellers.
What to do/see in India
Home to just over 1.4 billion people and stretching across nearly 3,300,000 square kilometers, India is a vast and diverse country with a rich cultural heritage, stunning landscapes, and unique experiences.
We couldn't possibly list all the best things to do and see in India, but if you're looking for some itinerary inspiration, here are five absolute musts.
|
Taj Mahal This iconic white marble mausoleum in Agra is a must-see for anyone visiting India. Built by Mughal Emperor Shah Jahan in memory of his beloved wife, the Taj Mahal is a UNESCO World Heritage Site and one of the most visited tourist attractions in India. |
|
Rajasthan This state in northern India is known for its vibrant culture, stunning palaces and forts, and colourful cities like Jaipur and Udaipur. Visitors can explore the majestic Amber Fort, take a camel ride in the Thar Desert, or witness a traditional Rajasthani dance performance. |
|
Kerala Located in southern India, Kerala is known for its backwaters, beaches, and tropical landscapes. Visitors can take a houseboat ride along the tranquil backwaters, explore the lush tea plantations of Munnar, or relax on the sandy beaches of Kovalam. |
|
Varanasi Located on the banks of the holy river Ganges, Varanasi is one of the oldest and holiest cities in India. Visitors can witness the daily rituals and ceremonies on the ghats (steps leading to the river), take a boat ride along the river, or explore the narrow alleys and ancient temples of the city. |
|
Wildlife Safaris India is home to a diverse range of wildlife, including tigers, elephants, rhinos, and more. Visitors can take a safari in one of India's many national parks and wildlife reserves, such as Bandhavgarh National Park or Kaziranga National Park, to witness these magnificent animals in their natural habitats. |
Health and safety concerns for travellers in India
While India is a beautiful and diverse country that offers a rich cultural experience, there are some things that tourists should be aware of in order to have a safe and enjoyable trip. The Australian Government's Smartraveller website, for example, recommends exercising a 'high degree of caution' in India as of 2023, for some of the following reasons.
- Health Risks: Travelers to India are at risk of several health issues, including food poisoning, diarrhea, and mosquito-borne illnesses like dengue fever and malaria. Be sure to take necessary precautions such as avoiding tap water and uncooked foods, using mosquito repellent, and carrying necessary medications with you.
- Transportation: India's roads can be chaotic, with heavy traffic and aggressive driving. Be cautious when crossing the street and consider using public transportation or hiring a driver instead of renting a car. Additionally, be aware of scams involving taxi or rickshaw drivers who take passengers to a different destination or charge more than the agreed-upon price.
- Security: India is generally a safe country for tourists, but like anywhere, there is always a risk of theft or crime. Be cautious with your belongings, especially in crowded areas like markets or public transportation, and avoid traveling alone at night. Use hotel safes to store valuables and carry only what you need when out and about.
- Terrorism: Terrorist activities, violent demonstrations and armed clashes sometimes occur in India. Avoid crowded places and possible targets, listen to local authorities and have an exit plan just in case.
- Severe weather: India is prone to things like heatwaves and dust storms in summer and flooding during the monsoon season.
- Local laws: Always carry your passport and ensure you have a valid visa. It's illegal not to in India.
- Cultural Sensitivity: India is a conservative country with a complex social structure, and it's important to respect local customs and traditions. Dress modestly and remove shoes before entering religious places. Avoid public displays of affection and try to be sensitive to local beliefs and customs.
By keeping these tips in mind, visitors can have a safe and enjoyable trip to Singapore. Strongly consider taking out an appropriate travel insurance policy before you go, just in case something happens.
Thinking of going somewhere else?
Check out our pages on some of the top tourist destinations for Aussies by clicking the links provided.
Not flying overseas?
We also offer loans for domestic airfares and cruises!
Am I eligible for a Jacaranda 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.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
- 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
Rates & Fees
Interest Rate
Comparison Rate
![Show the What does it mean? modal]()
Loan Term
Repayment Cycle
Secured or Unsecured
![Show the What does it mean? modal]()
Establishment Fees
![Show the What does it mean? modal]()
Monthly Fees
![Show the What does it mean? modal]()
Risk Fee
![Show the What does it mean? modal]()
Comparison Rate Warning*
-
Unsecured
Personal Loan$5,000 - $15,000![]()
Interest Rate17.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
32.40% to 42.80%Loan Term24 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$475 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$140 to $995Comparison Rate Warning*Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. -
Secured
Personal Loan$5,000 - $25,000![]()
Interest Rate14.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
29.30% to 42.80%Loan Term24 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$475 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $995Comparison Rate Warning*Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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.
Trusted by 1,000s
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It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.
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Super easy and fast system, applying was seamless and money was instant!
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Fast, reliable service had money in acc same day
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one !
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I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
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Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.
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Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process.
See all FAQs
India travel loan FAQs
Need to know more about how or loans work before you head to India? Check out some of our most frequently asked questions below.
You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000.Â
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.
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. 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.
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.
