Holiday Loans

Borrow $3,000 to $25,000
Same-Day Approval2
25-36 month terms
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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'

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What is a holiday loan?

A holiday loan is 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!

Our express holiday loans can provide up to $25,000 for would-be travellers. With rapid 5-12 minutes1 applications, same-day approvals2 and 60-second transfers3, you could have the money you need for your next trip in your account in next to no time.

Loan Details

Loan Amounts
$3,000 to $25,000
Loan Terms
25 months to 36 months
Loan Type
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.
A loan for all seasons

What can I use a holiday loan for?

Travelling overseas can come at a significant expense, with a Westpac study from several years ago finding the average Australian was spending nearly $5,000 per overseas trip.

Taking a holiday is fun, but the cost is often a major barrier. Sometimes, a holiday is just what you need to rest, relax, and rewind, which is why at Jacaranda Finance, we offer holiday personal loans for up to $25,000, to provide you with the funds you need to get out and see the world.

By taking out a holiday loan, you can use those funds for just about any of the following major holiday expenses:

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

And much more.

travel cost
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.

The top overseas destinations to visit

Need some holiday inspo? Check out our pages on some of the top tourist destinations for Aussies by clicking the links provided to read some detailed information on each one:

Not flying overseas?

We also offer loans for domestic airfares and cruises!

Loan Eligibility Criteria

Am I eligible for a Loan with Jacaranda? 

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, with consistent income for 90 days
  • Be an Australian citizen or permanent resident with a fixed address.
  • Have an active email address, phone number, & online banking details in your name.
  • Be in control of your current finances and handling existing financial commitments comfortably.
You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score.
Information you will need to provide:
  • Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
  • Employment status & details
  • Your bank statements*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.

*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.
Your data is secured by
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Our Rates & Fees

Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.

Interest Rate
Comparison Rate
Loan Term
Repayment Cycle
Secured or
Unsecured
Establishment Fees
Monthly Fees
Risk Fee
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Unsecured
    Establishment Fees
    $13.50 - $950
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $325.50
    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
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Secured
    Establishment Fees
    $125 - $1,190
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $995
    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 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Secured or
    Unsecured
    Unsecured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $13.50 - $950
    Risk Fee
    $0 - $325.50
    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
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Secured or
    Unsecured
    Secured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $125 - $1,190
    Risk Fee
    $0 - $995
    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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    Shaan Johari - Google Review
    Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
    Super easy and fast system, applying was seamless and money was instant!
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    Scott Milkauskas - Google Review
    Scott Milkauskas Rated Jacaranda Finance 5 out of 5 stars
    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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    naomie falconer Rated Jacaranda Finance 5 out of 5 stars
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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    Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
    Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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    Breeanne Pocock Rated Jacaranda Finance 4 out of 5 stars
    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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    Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
    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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    Kevin Kupke Rated Jacaranda Finance 3 out of 5 stars
    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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    Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
    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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    Kayleb Perkin Rated Jacaranda Finance 4 out of 5 stars
    Fast, reliable service had money in acc same day
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    Rebecca Hay Rated Jacaranda Finance 3 out of 5 stars
    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.
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    Rob Smith - Google Review
    Rob Smith Rated Jacaranda Finance 4 out of 5 stars
    Had a good experience with jacaranda finance the form was easy to follow and the team helped when I had questions

Holiday Loan FAQs

Find out the answers to some of our most frequently asked questions here about our holiday loans.

You can apply for varying loan amounts with Jacaranda, depending on your needs: 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.

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.

We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:

  • Monday - Thursday: 8.00 am - 5.00 pm
  • Friday: 8.00 am - 4.00 pm
  • Saturday: 8.00 am - 12.00 pm
  • Sunday: Office Closed

See also: Jacaranda Weekend Loans.

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. 

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.