Travel Loans for China

Looking to travel to China but need financial assistance? Jacaranda Finance offers travel loans for China, helping you fund your dream trip without breaking the bank.

Apply online now and get a fast and simple loan decision in minutes.

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Borrow $3,000 to $25,000
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Same-Day Approval2
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25-48 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 China but need financial assistance? Jacaranda Finance offers travel loans for China, helping you fund your dream trip without breaking the bank.

Apply online now and get a fast and simple loan decision in minutes.

Decorative graphic of a Coin
Borrow $3,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
25-48 month terms

Award-winning lender

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Why travel to China

China is a country of incredible diversity and rich history, with a unique culture and stunning natural scenery that attracts millions of tourists each year. Aussies in particular love to travel to China. In 2019, a total of 608,000 Australians visited China, according to the Australian Bureau of Statistics (ABS), enough to make it the 5th most popular overseas destination behind the UK.

Australia has deep connections with China, with nearly 1.4 million people of Chinese ancestry living here as of the 2021 census. That's over 5% of the population!

China is one of the world's oldest civilisations. From the iconic Great Wall and Terracotta Warriors to the modern metropolises of Shanghai and Beijing, China offers a wealth of sights and experiences that are unlike anywhere else in the world. So why not make it your next holiday destination?

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 China

Using travel payment methods like a credit card, travel money card or good old cash to pay for your trip to China can have their benefits, but they can also make it easy to go over budget if you're not careful. That's 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 Chinese adventure 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:

$3,000 to $25,000

Loan Terms:

25 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 China from Australia?

According to Tourism Research Australia, the average expenditure per trip to China by Australian visitors was AUD $3,722 pre-COVID, and the average length of stay was 17 nights. Meanwhile, Budget Your Trip's data suggests the typical daily budget for the average traveller in China is $97, making it one of the cheaper popular tourist destinations you can visit.

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

  • Your length of stay
  • Your destination within China
  • 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 China. Skyscanner quotes the cheapest return flight to China from Australia (as of March 2023) at a reasonable $525, although you could potentially pay anywhere from $500 - $1,500.

For accommodation, Budget Your Trip suggests budgeting around $42 per person, per night for a mid-range holiday. For a more luxurious vacation, that number goes up to $243.

The average cost of travel to China

One week (AUD)

Two weeks (AUD)

One month (AUD)

For one person

$681

$1,361

$2,917

For a couple

$1,361

$2,722

$5,833

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

What to do/see in China

China is a vast and diverse country with a rich culture, history, and natural beauty. Covering approximately 9.6 million square kilometres and home to more than 1.4 billion people, it would take years to see everything China has to offer.

But if you're going for just a couple of weeks, here's a shortlist of five things to add to your Chinese itinerary.

The Great Wall of China

The Great Wall of China is one of the most iconic sights in China and is a must-see for any tourist. Stretching over 13,000 miles, the wall is a UNESCO World Heritage site and offers breathtaking views of the surrounding countryside.

The Terracotta Warriors

Located in the ancient city of Xi'an, the Terracotta Warriors are a collection of over 8,000 life-size clay soldiers, horses, and chariots that were buried with the first emperor of China. This archaeological wonder is considered one of the most significant discoveries of the 20th century.

The Forbidden City

Located in the heart of Beijing, the Forbidden City is a magnificent palace complex that served as the imperial palace for 24 emperors of the Ming and Qing dynasties. It is the largest palace complex in the world and offers visitors a glimpse into the opulence and grandeur of China's imperial past.

The Yangtze River

The Yangtze River is the longest river in Asia and is home to some of China's most beautiful scenery, including the Three Gorges and the Shennong Stream. A cruise along the river offers a unique perspective on China's natural beauty and a chance to experience traditional Chinese culture.

The Panda Breeding and Research Center

The Panda Breeding and Research Center in Chengdu is home to over 80 pandas and is a must-visit for animal lovers. Visitors can observe the pandas up close and learn about their conservation efforts to protect these endangered animals.

Health and safety concerns for travellers in China

Chengdu, China at Anshun Bridge over the Jin River.

As of 2023, The Australian Government's Smartraveller website recommends visitors to China exercise a 'high degree of caution', due to strict COVID-19 restrictions and security risks in certain regions.

While China should be a safe place to visit in most circumstances, there are a few general things you should be aware of before travelling there.

  • Scams and petty crime: As with most tourist destinations, there are scams and petty crimes to watch out for in China. Be cautious of pickpockets in crowded areas, and be wary of unsolicited offers of help or tours. It's also a good idea to only use licensed taxis and to confirm the fare before getting in.
  • Language barriers: English is not widely spoken in China, so it's helpful to have some basic Mandarin phrases or a translation app to communicate with locals. It's also a good idea to have your hotel or destination address written in Chinese characters in case you need to show it to someone.
  • Cultural differences: China has a different cultural and social etiquette compared to Western countries, so it's important to be respectful and aware of local customs. For example, it's common to remove your shoes when entering someone's home or a temple, and it's considered impolite to point with your finger.
  • Pollution: Some cities in China, particularly Beijing, are known for their high levels of air pollution, which can be a health hazard. It's a good idea to check the air quality index before visiting and consider wearing a mask or avoiding outdoor activities on days with high pollution.
  • Internet restrictions: China has strict internet restrictions and censorship, so some Western websites and social media platforms may not be accessible without a VPN.
  • Civil unrest & protests: There is ongoing civil unrest and political tension in Tibet. Get permission from Chinese authorities before you go and avoid protests and large gatherings.
  • Food and water safety: Tap water in China may not be safe to drink, and be wary of certain foods bought from street vendors and some businesses.
  • Local laws: Chinese law treats a person aged 12 years and older as an adult. China has strict laws and severe punishments for some crimes, including the death penalty and life imprisonment.

By being aware of these factors and taking necessary precautions - such as ensuring you have an appropriate level of travel insurance and knowing how to contact the Australian Consulate/Embassy - tourists can have a safe and enjoyable trip to China.

Chengdu, China at Anshun Bridge over the Jin River.
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
A man applying for quick loan through his laptop

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
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    25 - 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
    $130 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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    25 - 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
    $130 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.
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    17.95% to 27.95%
    Comparison Rate
    Show the What does it mean? modal
    32.40% to 42.80%
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Unsecured
    Unsecured
    Monthly Fees
    Show the What does it mean? modal
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $130 to $990
    $130 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    14.95% to 27.95%
    Comparison Rate
    Show the What does it mean? modal
    29.30% to 42.80%
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    25 - 48 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $130 to $990
    $130 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $0 to $995
    Comparison Rate Warning*
    (Personal Loans)
    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.
    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.

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China travel loan FAQs

Need to know more about how or loans work before you head to China? 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 $3,000 and $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 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 hard credit check being conducted. We review all applications, even those who have bad credit.

Once you've checked if you qualify, and if you do qualify, you have the option to submit your application to Jacaranda to perform a credit assessment. By submitting a full application, you authorise Jacaranda Finance Pty Ltd to obtain a copy of your full credit file. This may impact your credit score.

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.

You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.

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. At Jacaranda, you speak to a real human being every time.