Travel Loans for Indonesia

Explore the wonders of Indonesia with a Jacaranda Finance Travel Loan. We offer hassle-free financing to make your dream vacation a reality.
Whether it's a relaxing beach getaway or an adventurous trip to the jungle, our loans can help fund your journey.

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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'

Explore the wonders of Indonesia with a Jacaranda Finance Travel Loan. We offer hassle-free financing to make your dream vacation a reality.
Whether it's a relaxing beach getaway or an adventurous trip to the jungle, our loans can help fund your journey.

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 Indonesia?

Sitting just over a seven-hour flight away from Sydney and home to more than 17,000 different islands, Indonesia is one of the most popular overseas destinations Aussies flock to. Before the pandemic in 2019, Indonesia was our second most popular international destination with 1,076,200 Australian visitors, behind only New Zealand with 1.4 million.

The vast majority of those visitors (65%) go to Bali, but there's a lot more to do and see in Indonesia than that. Indonesia is a country steeped in both culture and natural beauty, and there's something for everyone to do there without breaking the bank.

The combination of affordability, proximity, climate, scenery and familiarity to home make Indonesia an excellent place to visit. So why not go there for your next overseas adventure?

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 leave the country with a travel loan.

About our travel loans for Indonesia

Even though it can be quite a cheap place to travel to (relatively speaking), the expenses on an Indonesian holiday can quickly pile up. Whether it's for a bender in Bali or a stay in a five-star beachside resort, it's important to know how you're going to pay for your holiday before you book it, and to take care not to go over budget. That's where Jacaranda comes in.

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 minute applications1, same-day approvals2 and 60-second transfers3 available 100% online, you could have the funds you need for your Indonesian holiday in double-quick 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 the Indonesia from Australia?

Indonesia is one of the cheaper countries you can visit as an Australian, which is one of the major reasons why it's so popular here. Budget Your Trip, for example, quotes the average daily expenses for a typical Indonesian holiday at just $71: far less than the $318 per day it recommends budgeting for the United States and $214 for the UK. For a nine-day trip - the average trip length for Australians in Indonesia - you'd be looking at spending just $639 after flights.

The overall cost of an Indonesian holiday will vary significantly depending on several key factors, such as:

  • Your length of stay
  • Destination within Indonesia (Bali, Jakarta etc.)
  • 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. Flights and accommodation will generally be your biggest expenses. According to Skyscanner, the cheapest return flight to Indonesia from Australia (as of February 2023) is $278, while Budget Your Trip found the typical nightly accommodation will cost about $38-$75.

The average cost of travel to Indonesia

One week (AUD)

Two weeks (AUD)

One month (AUD)

For one person

$494

$989

$2,119

For a couple

$989

$1,977

$4,237

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

What to do/see in Indonesia

Indonesia is an incredibly diverse and large country. Consisting of thousands of Islands and hosting a population of more than 270 million people, it's a melting pot of culture, serene landscapes, food and much more.

While it's hard to narrow all this down to just a few key things, here are some of the top sights to see and activities to do in Indonesia.

Explore Bali

It wouldn't be a list about Indonesia without mentioning Bali. In addition to its party atmosphere, Bali is known for its stunning beaches, lush rice terraces, and ancient temples. Visitors can go surfing, take cooking classes, visit art markets, or relax at a spa.

Visit Borobudur

Borobudur is a UNESCO World Heritage site and one of the largest Buddhist temples in the world. It is located in Central Java and features intricate stone carvings and panoramic views.

Go trekking in Mount Bromo

Mount Bromo is an active volcano in East Java and a popular destination for trekking. Visitors can hike to the summit or take a jeep tour to see the sunrise over the dramatic landscape.

Visit Komodo National Park

Komodo National Park, as the name might suggest, is home to the famous Komodo dragons, the world's largest lizards. Visitors can take a guided tour to see the dragons in their natural habitat and explore the surrounding islands.

Explore the Gili Islands and Raja Ampat

The Gili Islands are a group of three small islands off the coast of Lombok known for their white-sand beaches and clear waters. Visitors can go snorkelling, diving, or they can just relax on the beach.

Another bucket list item for water fans is to dive in Raja Ampat, an archipelago in West Papua and home to some of the world's most biodiverse marine life.

Health and safety concerns for travellers in Indonesia

Silhouetted female tourists watching sunset over sea, Gili Trawangan, Lombok, Indonesia

While Indonesia can be a fantastic destination for Australian visitors, it isn't without its risks. The Australian Government's Smartraveller website currently (as of 2023) lists Indonesia as requiring a 'high degree of caution' due to security concerns.

Here's what you need to be aware of before travelling to Indonesia as an Australian.

  • Safety and security: Like any destination, Australian visitors to Indonesia should be aware of their surroundings and take precautions to stay safe. Petty crimes such as theft can be a problem, so it's important to keep an eye on belongings and avoid carrying large amounts of cash or valuable items. Drink spiking is also common in bars and nightclubs.
  • Terrorism: There's an ongoing risk of terrorist attacks in Indonesia, particularly in tourist-heavy spots. Listen to warnings and advice from local authorities.
  • Natural disasters: Indonesia is prone to natural disasters, including earthquakes, floods, tsunamis and volcanic eruptions. Follow the advice of local authorities if you are ever caught in one of these disasters.
  • Traffic: Traffic in Indonesia, particularly in cities such as Jakarta and Bali, can be chaotic and dangerous. Visitors should exercise caution when walking or driving on the roads.
  • Cultural differences: Indonesia has a different culture and customs compared to Australia. Visitors should be respectful of local customs, such as dress codes at religious sites, and avoid behaviours that could be considered disrespectful.
  • Local laws: Indonesia has very different laws to Australia, and can punish things we consider to be common here. For example, gambling is illegal, and penalties for drug offences can include prison or even the death penalty.

You're subject to all local laws and penalties in Indonesia, including those that may appear harsh by Australian standards, so research these before deciding on travelling. If necessary, keep the contact details for Australian Consular Services handy and read the Charter of what they can and can't do to help you.

It's also generally recommended that you take out a travel insurance policy for Indonesia. This can cover you for a range of situations and emergencies, and according to Finder.com.au, a 10-day trip to Bali for a 25-year-old would cost just $50 on average to cover.

Silhouetted female tourists watching sunset over sea, Gili Trawangan, Lombok, Indonesia
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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Indonesia travel loan FAQs

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