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!

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Borrow $2,100 to $25,000
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Same-Day Approval2
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9-48 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!

Decorative graphic of a Coin
Borrow $2,100 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
9-48 month terms

Award-winning lender

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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 minute applications1, 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:

$2,100 to $25,000

Loan Terms:

9 months to 48 months

Loan Type:
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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

Humayun's Tomb. Delhi, 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.

Humayun's Tomb. Delhi, India
A man applying for quick loan through his laptop

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
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Product Details

Interest Rate
Comparison Rate*
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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Monthly Fees
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Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Cash Boost
    $2,100 - $4,600
    Interest Rate
    47.80%
    Comparison Rate*
    Show the About Comparison Rate* modal
    66.07%
    Loan Term
    9 - 18 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured & Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $400 Flat Fee
    Monthly Fees
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    $0
    Risk Fee
    Show the About Risk Fee modal
    $0
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $2,500 over 24 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.
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 24.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 39.63%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $140 to $995
    Comparison 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 Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    Comparison 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.

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    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
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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.

Jacaranda offers three loan products with varying loan amounts that you could borrow:

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.

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.

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.