Travel Loans for Fiji

Need a holiday? Jacaranda Finance offers travel loans to help make your dream trip to Fiji a reality.
With fast and simple applications as well as flexible repayment options, our loans can help you finance flights,
accommodations and more so you can enjoy the ultimate Fiji experience.

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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'

Need a holiday? Jacaranda Finance offers travel loans to help make your dream trip to Fiji a reality.
With fast and simple applications as well as flexible repayment options, our loans can help you finance flights,
accommodations and more so you can enjoy the ultimate Fiji experience.

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 Fiji?

Did you know Fiji is the second most popular destination for Australian tourists in the South Pacific? Around 365,000 Aussies visited Fiji in 2019, with only New Zealand being more popular in the region.

Fiji is a truly unique and beautiful place to visit, and it offers a bit of something for everyone. With a combination of stunning natural beauty, rich culture, warm hospitality, outdoor activities and luxury accommodations at affordable prices, it's no wonder Fiji is so popular.

After the COVID-19 pandemic grounded the dreams of Aussies wanting an overseas getaway, international travel is roaring back. So why not say 'Bula' (that's 'hello' in Fijian) to Fiji by picking it as your next international stop?

What is a travel loan?

A travel loan, or holiday loan, is simply a loan used to pay for travel expenses, such as:

  • Flight costs
  • Accommodation
  • Travel insurance
  • Transport and car hires
  • Tours and activities
  • Activities and events

According to our data, holiday and travel expenses are commonly listed as one of the most common reasons for taking out a loan, as holidays can be very expensive indeed. By borrowing a lump sum to be repaid in manageable instalments, you know exactly what your trip will cost before you even set foot in Fiji.

About our travel loans for Fiji

Fiji can be quite an expensive place to visit (see our section on costs below). This means you'll need quite a bit of cash to stay there, and costs can easily build up if you're not careful. That's where an express travel loan with Jacaranda could help.

Instead of dipping into your hard-earned savings, our express holiday loans can provide up to $25,000 and loan terms as long as 48 months. With rapid 5-12 minutes1 applications, same-day approvals2 and 60-second transfers3 available 100% online, you could quickly receive the funds you need to start planning your Fijian getaway.

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 Fiji from Australia?

Despite its easy-going appearance, Fiji can actually be quite an expensive place to visit due to its popularity among tourists. Budget Your Trip, for example, quotes the average daily expenses for a typical Fijian holiday at $205 AUD. That's similar to what it costs to travel to the UK ($214 per day) and much more than Indonesia ($71 per day).

The average length of stay for Australian visitors is about 8 nights, according to Tourism Fiji. That means the typical Aussie holiday there would cost around $1,640 for one person and more than $3,200 for a couple. Tourism Fiji puts that number a little higher at $1,990 per person!

The overall cost of a holiday to Fiji will vary significantly depending on several key factors, such as:

  • Your length of stay
  • Destination within Fiji (are you staying in the capital Suva or somewhere else?)
  • Your accommodation (are you staying in luxury or somewhere modest?)
  • The activities you get up to
  • The time of year you book and the airline you fly with

And more. According to Skyscanner, the cheapest return flights to Fiji (as of February 2023) would set you back $448, and for nightly accommodation, you'd be looking at around $125 per night (per person).

The average cost of travel to Fiji

One week (AUD)

Two weeks (AUD)

One month (AUD)

For one person

$1,435

$2,870

$6,150

For a couple

$2,870

$5,741

$12,301

Source: budgetyourtrip.com, accurate as at 20 February 2023. Dollar amounts are based on 'mid-range' travellers.

What to do/see in Fiji

Fiji might be small - it covers just 18,274 km² and has a population of just under 1 million - but that doesn't mean there's not plenty to do there. As an archipelago of more than 300 islands, Fiji could keep any tourist busy for weeks and weeks.

Whether you're looking for adventure, relaxation, or cultural experiences, here is just a small selection of the things you can do on your Fijian holiday.

Relax on the beach

Fiji has some of the most beautiful beaches in the world, with crystal clear waters and white sand. Some of the top beaches to visit include Natadola Beach, Yasawa Islands, and the Coral Coast.

Go snorkelling and scuba diving

Fiji is known for its incredible underwater world, with colourful coral reefs and an abundance of marine life. There are many great spots for snorkelling and scuba diving, such as the Rainbow Reef and Beqa Lagoon.

Visit a traditional Fijian village

Visiting a traditional Fijian village is a great way to experience the local way of life. Some of the top villages to visit include Navala Village, Viseisei Village, and Nabalesere Village

Enjoy a Fijian cultural show

Many resorts and hotels offer Fijian cultural shows, which showcase traditional dances, music, and costumes. It's a great way to learn more about Fijian culture and history.

Go on a river safari

Fiji has many beautiful rivers that offer scenic boat rides, with the opportunity to see wildlife and local villages. The Sigatoka River Safari and the Upper Navua River Safari are both popular options.

Health and safety concerns for travellers in Fiji

Empty hammock in the shade of palm trees on tropical Fiji Islands

While Fiji is generally a safe and welcoming destination for tourists, there are safety concerns to be aware of just like there are in any country you visit as a tourist. The Australian Government's Smartraveller website suggests exercising 'normal safety precautions' in Fiji but does list the following things as potentially dangerous:

  • Cyclones: Cyclone season in Fiji runs from November to April, and can bring heavy rains, flooding, and strong winds. If you plan to visit during this time, stay up-to-date on weather conditions and follow the advice of local authorities. Fiji can also experience landslides, earthquakes and tsunamis.
  • Mosquito-borne illnesses: Fiji is at risk for mosquito-borne illnesses such as dengue fever and Zika virus. To protect yourself, use insect repellent, wear long-sleeved clothing, and stay in accommodations with screens on windows and doors.
  • Petty crime: As with any tourist destination, there is a risk of petty crime in Fiji. Keep an eye on your belongings and avoid carrying large amounts of cash or valuables. Don't leave your belongings unattended on the beach, and be cautious when using ATMs or exchanging money, as ATM skimming and credit card fraud occur often.
  • Water safety: While Fiji's waters are beautiful, they can be dangerous. Strong currents and rip tides can be a hazard for swimmers. Pay attention to warning signs and only swim in designated areas.
  • Cultural sensitivity: Fijians are generally very friendly and welcoming, but it's important to be respectful of their culture and customs. Dress modestly when visiting villages or other traditional areas and always ask for permission before taking photos of people.

It's generally recommended that you take out a travel insurance policy before heading overseas, and you should also take note of where the Australian consulate/embassy is and how you can contact them. The Australian High Commission for Fiji is located in Suva.

Empty hammock in the shade of palm trees on tropical Fiji Islands
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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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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Fiji travel loan FAQs

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