Travel Loans for Singapore

Looking to travel to Singapore but need funds? Jacaranda Finance offers travel loans to help you make your dream vacation a reality.
With fast, easy online applications and flexible repayment options, our loans can help you fund your trip without breaking the bank.

Apply today and start planning your Singapore 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 to travel to Singapore but need funds? Jacaranda Finance offers travel loans to help you make your dream vacation a reality.
With fast, easy online applications and flexible repayment options, our loans can help you fund your trip without breaking the bank.

Apply today and start planning your Singapore 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 Singapore?

Singapore is a small country, home to just 5.5 million people and stretching across just 728 square kilometers. There are many reasons to travel to Singapore, such as its amazing food, stunning architecture, clean aesthetic and endless shopping and entertainment. And Australians clearly agree.

In 2019, Singapore was the 9th most popular tourist destination for Aussie travellers, with more than 417,000 of us stopping by that year for an average of eight days. If you're looking to head overseas sometime soon, then why not pick Singapore for your next adventure?

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 Singapore

Singapore can become an expensive place to visit depending on the type of trip you're after, and once you factor in your flights, accommodation, dinners and entertainment, it's easy for costs to spiral.

Using travel payment methods like a credit card, travel money card or good old cash to pay for your trip can make it easy to go over budget if you're not careful, which is where a quick travel loan with Jacaranda Finance can come in handy.

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 Singapore holiday 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:
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 Singapore from Australia?

The cost of a holiday in Singapore often isn't too high, as most trips there are short. According to a survey by the Singapore Tourism Board, the average spend per Australian tourist in Singapore was SGD 1,967 (approximately AUD $2,036) in 2019. Budget Yout Trip meanwhile states the average daily budget for a mid-range trip to Singapore is roughly $181.

The overall cost of your trip will be different depending on a number of factors, primarily:

  • Your length of stay
  • Your destination(s) within Singapore
  • Your accommodation
  • The activities you get up to
  • The time of year you book and the airline you fly with

And more. Flights and accommodation will generally be your biggest expenses when travelling to Singapore, although Skyscanner quotes the cheapest return flight from Australia (as of March 2023) at just $296. Flights can easily rise as high as $800 or more though.

For accommodation, you'll typically spend an average of $113 per night (for each person), according to Budget Your Trip.

The average cost of travel to Singapore

One week (AUD)

Two weeks (AUD)

One month (AUD)

For one person

$1,261

$2,523

$5,406

For a couple

$2,523

$5,046

$10,812

Source: budgetyourtrip.com, accurate as at 1 March 2023. Dollar amounts are based on 'mid-range' travellers.

What to do/see in Singapore

There are many great things to do and see in Singapore as a tourist, but here are five top recommendations we've managed to narrow them down to.

Gardens by the Bay

This iconic park features beautiful gardens, impressive vertical gardens, and the famous Supertree Grove. It's a must-visit destination for anyone travelling to Singapore.

Marina Bay Sands

This famous hotel and casino offers stunning views of the city skyline from its observation deck, infinity pool, and rooftop restaurants. It's a great place to relax and enjoy the sights.

Sentosa Island

Sentosa Island is home to a variety of attractions, including the Universal Studios Singapore theme park, S.E.A. Aquarium, and Adventure Cove Waterpark.

Chinatown

Singapore's vibrant Chinatown district offers a glimpse into Singapore's rich history and culture. Visitors can explore traditional shophouses, browse the street markets, and sample delicious local food.

Singapore Zoo

This world-renowned zoo features a wide variety of animals, including orangutans, tigers, and elephants. Visitors can also enjoy animal shows and interactive exhibits.

Health and safety concerns for travellers in Singapore

Singapore

Singapore is generally a safe and welcoming place for tourists, and as of 2023, the Australian Government classifies Singapore as requiring a 'normal degree of caution'. But like any country, there are a few things you should be careful of as a visitor.

  • Laws and regulations: Singapore has strict laws and regulations that visitors should be aware of, such as restrictions on chewing gum, littering, and smoking in public areas. Violations of these laws can result in fines or other penalties.
  • Scams and pickpocketing: While violent crime against tourists is rare, you should be aware of potential scams and pickpocketing. It's important to keep an eye on your belongings, especially in crowded areas such as public transport, night markets, and tourist attractions.
  • Food hygiene: Singapore is known for its delicious food, but it's important to be cautious about food hygiene. Stick to reputable restaurants and street vendors, and be sure to wash your hands regularly.
  • Weather and climate: Singapore has a hot and humid tropical climate, so visitors should be prepared for the heat and humidity. Stay hydrated and wear lightweight, breathable clothing. Monsoon seasons from December-March and June-September can also bring heavy rain and wind.
  • Cultural norms: Singapore is a multicultural country, and visitors should be respectful of local customs and norms. For example, it's important to dress appropriately when visiting religious sites and to remove your shoes before entering someone's home.
  • Political unrest and terrorism: Unauthorised public demonstrations are illegal in Singapore, and there is a minor ongoing risk of terrorism in areas popular with foreigners. Take official warnings seriously.

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. While medical facilities in Singapore are high-quality, treatment is also much more expensive compared to Australia.

Singapore
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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
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*
  • 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
    Show the About Monthly Fees modal
    $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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    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 Less
See all FAQs

Singapore travel loan FAQs

Need to know more about how or loans work before you head to Singapore? 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.