FlexiCredit
New
Travel Loans for Italy
Looking to finance your dream trip to Italy? Jacaranda Finance offers travel loans that can help you make it a reality!
With flexible repayment options and fast, easy applications, our loans are designed to suit your needs and budget.
Apply online today and start planning your Italian adventure with confidence!
Borrow $3,000 to $25,000
Same-Day Approval2
25-36 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 finance your dream trip to Italy? Jacaranda Finance offers travel loans that can help you make it a reality!
With flexible repayment options and fast, easy applications, our loans are designed to suit your needs and budget.
Apply online today and start planning your Italian adventure with confidence!
Borrow $3,000 to $25,000
Same-Day Approval2
25-36 month terms
Award-winning lender
Why travel to Italy
Italy is known for its rich history, stunning architecture, delicious food and wine and diving in world cups. This makes it a popular overseas destination for Aussie travellers. According to the Australian Bureau of Statistics (ABS), nearly 240,000 Australians visited Italy in 2019, making it the 13th most popular country for those of us looking to leave our isolated home.
The average trip to Italy among Australian travellers last for 17 days, so clearly the Aussies who go there are in to rush to leave. Whether you're interested in history, culture, or simply taking in the breathtaking scenery, Italy is a destination that should be on everyone's travel list.
So why not choose Italy as 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 Italy
As we'll detail further down, Italy can be an expensive place to visit. Not only are the pre-holiday bookings such as flights and accommodation costly overall, but your daily expenses such as shopping, activities and eating/drinking can quickly pile up. With food and wine as good as Italy's, it'd be a miracle if you didn't end up overspending!
Using travel payment methods like a credit card, travel money card or good old cash can have their benefits, but they can 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 36 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 trip to Italy 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 36 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 Italy from Australia?
Before COVID-19 shut down international travel, Tourism Research Australia (TRA) reported that the average spend per trip to Italy by Australians was $6,537. Meanwhile, Budget Your Trip quotes the average daily spend for a typical Italian trip at $207, which is expensive, but not the most expensive European country 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 Italy
- 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. Skyscanner quotes the cheapest return flight to Italy from Australia (as of March 2023) at a pricey $1,343, although you could potentially pay twice that in some cases. For accommodation meanwhile, Budget Your Trip suggests budgeting around $104 per person, per night.
The average cost of travel to Italy
|
One week (AUD) |
Two weeks (AUD) |
One month (AUD) |
|
|---|---|---|---|
|
For one person |
$1,446 |
$2,894 |
$6,198 |
|
For a couple |
$2,894 |
$5,786 |
$12,399 |
Source: budgetyourtrip.com, accurate as at 1 March 2023. Dollar amounts are based on 'mid-range' travellers.
What to do/see in Italy
The top activities for Australian visitors in Italy are sightseeing (97%), dining (76%), and shopping (62%), according to Tourism Research Australia, and there's no shortage of any of those things to do there.
Here's a definitely not-conclusive list of five top things to add to your Italian itinerary:
|
Visit Rome Italy's capital city is filled with ancient history and stunning architecture. Some must-see sights in Rome include the Colosseum, the Pantheon, and the Vatican Museums. |
|
Explore Florence This beautiful city in Tuscany is known for its art, culture, and architecture. Visitors can see works by famous artists like Michelangelo and Leonardo da Vinci, as well as stunning buildings like the Florence Cathedral and the Ponte Vecchio. |
|
Go on a Venice gondola ride Venice is a unique city built on a network of canals. A gondola ride is a romantic and picturesque way to see the city's famous architecture and waterways. |
|
Visit the Amalfi Coast This stunning stretch of coastline in southern Italy features dramatic cliffs, sparkling blue water, and charming towns. While there you could hike the trails, swim in the sea, and enjoy the local cuisine. |
|
Explore Tuscany's countryside Tuscany is known for its beautiful landscapes, rolling hills, and vineyards. Visitors can take a leisurely drive through the countryside, stop at a winery for a tasting, or simply enjoy the stunning scenery. |
Health and safety concerns for travellers in Italy
Italy is generally a safe place to visit overall for tourists, but there are some concerns to be aware of before you go there. Our government's Smartraveller website, for example, lists Italy as requiring a 'high degree of caution' (as of 2023), noting the country's "strained healthcare system" as a result of COVID-19.
Here's what you need to know about before you book your Italian adventure.
- Healthcare: As mentioned above, COVID-19 remains a risk in Italy and healthcare systems may be strained as a result. Australia has a Reciprocal Health Care Agreement with Italy, which means Medicare can cover you, but you should still have travel insurance just in case.
- Petty crime, scams and violence: As with any major tourist destination, pickpocketing and theft can be a problem in Italy, especially in crowded areas, as well as scams. Bag snatchers tend to operate on trains, and serious assault can occur in some cases. Be careful of your belongings and don't accept food/drinks from strangers.
- Protests and strikes: Frequent disruptions can occur causing building closures, transport delays and cancellations.
- Terrorism: Bombings against political targets have been known to happen in Italy, and terrorists remain a threat, especially in major cities visited by lots of tourists. Take official warnings seriously.
- Traffic and driving: Italian drivers can be aggressive and traffic can be chaotic, especially in major cities like Rome and Naples. If you plan to drive in Italy, be aware of local driving customs and be prepared for narrow streets and challenging parking situations.
- Natural disasters: Italy experiences earthquakes, landslides and volcanic activity, as well as forest fires from June to September.
- Language barrier: Be prepared to use basic Italian phrases or a translation app to communicate with locals.
- Dress codes: Many churches and other religious sites in Italy have a strict dress code that requires visitors to cover their shoulders and knees.
It's probably a good idea to take out a travel insurance policy before you go to Italy. According to Finder, a decent policy can cost just a few dollars per day, but could cover you for thousands of dollars worth of possessions, cancelled flights or medical bills should the worst happen.
Thinking of going somewhere else?
Check out our pages on some of the top tourist destinations for Aussies by clicking the links provided.
Not flying overseas?
We also offer loans for domestic airfares and cruises!
Am I eligible for a Jacaranda loan?
You must meet the following basic eligibility criteria 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.
If you are unsure whether you're eligible, you can check if you qualify initially. This will not impact your credit score.
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
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]()
Unsecured
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 Rate19.95% to 29.95%Comparison Rate![Show the About Comparison Rate modal]()
36.11% to 47.50%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$129 to $990Monthly Fees![Show the About Monthly Fees modal]()
$26 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $1,295Comparison 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 Rate16.95% to 29.95%Comparison Rate![Show the About Comparison Rate modal]()
32.99% to 45.50%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$125 to $1,190Monthly Fees![Show the About Monthly Fees modal]()
$26 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $995Comparison 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 Rate19.95% to 29.95%19.95% to 29.95%Comparison Rate![Show the What does it mean? modal]()
36.11% to 47.50%36.11% to 47.50%Loan Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
UnsecuredUnsecuredMonthly Fees![Show the What does it mean? modal]()
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$129 to $990$129 to $990Risk Fee![Show the What does it mean? modal]()
$0 to $1,295$0 to $1,295Comparison 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 Rate16.95% to 29.95%16.95% to 29.95%Comparison Rate![Show the What does it mean? modal]()
32.99% to 45.50%32.99% to 45.50%Loan Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$125 to $1,190$125 to $1,190Risk Fee![Show the What does it mean? modal]()
$0 to $995$0 to $995Comparison 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.
Trusted by 1,000s
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It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.
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Super easy and fast system, applying was seamless and money was instant!
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Fast, reliable service had money in acc same day
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one !
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I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
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Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.
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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.
Italy travel loan FAQs
Need to know more about how or loans work before you head to Italy? 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.Â
- With our Car Loan, you can borrow between $10,000 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.
Visit our rates and fees page to get an idea of the costs associated with our loan products.
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.Â
Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.
If you don't meet our initial criteria, your credit score won't be affected.
Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.
We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.
Other lenders will be able to see that you applied for a loan with Jacaranda.
This might impact your credit score.
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.
You can easily get in touch online or via the Better Credit app. Jacaranda's customer service team is available to chat six days a week, and services are available online 24/7.
