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Jet off with Jacaranda
Travel Loans for New Zealand
- Borrow between $2,100 and $25,000
- Apply in minutes1 with same-day outcomes2
- Repay your way with loan terms up to 48 months
- Weekend approvals available!
Heading across the ditch? Don't stress about the finances - consider a travel loan from Jacaranda Finance and enjoy your New Zealand holiday
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2,660+ Reviews
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,810+ Reviews
Trustpilot
900+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 30/11/23
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Why travel to New Zealand?
After being decimated by COVID-19, international travel is roaring back for Australians. Just as it was before the pandemic, one of our most popular destinations to visit is our neighbour across the ditch, New Zealand.
Aussies love travelling to New Zealand due to both the proximity and similarity to our own backyard, as well as the simple fact that New Zealand is a beautiful country in its own right with a variety of unique destinations to explore.
In the year ending March 2020, there were 1.5 million Australian visitors to New Zealand, making up 39% of all international visitors to the country. In 2019, Australian visitors spent a total of NZD $2.7 billion (approximately AUD $2.5 billion) in New Zealand during their stay, making up 15% of total international visitor expenditure in the country!
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 New Zealand travel loans
If a New Zealand holiday is on your mind, our travel loans could be the finance solution you're looking for. 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 money you need for your New Zealand trip in no time at all!
See below for more information on how our application process works or click here if you're ready to get started!
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,810+ Reviews
Trustpilot
900+ Reviews
New Zealand travel loan details
| Loan Amounts: | $2,100 to $25,000 |
|---|---|
| Loan Terms: | 9 months to 48 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. Fixed fees that have already been incurred are due and payable. |
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.
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
How much does it cost to travel to New Zealand?
Research from Westpac shows the average spend per international trip by Australians was around $5,000. But New Zealand is a bit more affordable as a destination: According to Budget Direct, the average cost per person for each trip is roughly $3,350.
As with any holiday, the total will cost will vary for each person/trip, with a host of different factors influencing your final figure:
- The country/destination
- The time of year
- Your airfares and accommodation
- Food and drink expenses
- Activities in your destination
- Shopping and other purchases
- Other travel expenses (Ubers, public transport etc.)
- Unforeseen expenses (lost possessions, medical issues, insurance claims etc.)
Budget Your Trip recommends budgeting for about NZ $185 each day in New Zealand. As of February 2023, that's $169 Australian dollars. Given the average Aussie spends 8.6 nights on a New Zealand holiday, that's equivalent to $1,453.
The average cost of travel to New Zealand
|
One week (AUD) |
Two weeks (AUD) |
One month (AUD) |
|
|---|---|---|---|
|
For one person |
$1,186 |
$2,374 |
$5,087 |
|
For a couple |
$2,374 |
$4,747 |
$10,172 |
Source: budgetyourtrip.com, accurate as at 16 February 2023. Dollar amounts are based on 'mid-range' travellers.
What to do/see in New Zealand
There's no shortage of things to do in New Zealand, despite what Australians might tell you. New Zealand is home to some of the most impressive and serene landscapes on earth; it's rich in the culture of the indigenous Māori people; and it's a popular destination for adventure lovers too.
Here's a shortlist of the best things to do and see in New Zealand: we couldn't fit them all in!
|
Hobbiton If you're a fan of the Lord of the Rings trilogy, movies in general, or if you just like cool-looking landscapes, Hobbiton is a must-see! Sitting just outside of Matamata near Waikato, Hobbiton is home to the movie set of The Shire, which featured in Sir Peter Jackson’s epic movie series. |
|
Museum of New Zealand Te Papa Tongarewa Museum of New Zealand Te Papa Tongarewa (known as just 'Te Papa', which is Māori for 'treasure box') is New Zealand's national museum. This museum is located on Wellington's waterfront and sees more than 1.5 million people visit every year. If you're interested in learning about New Zealand's cultural heritage (particularly that of its Māori people), then you don't want to miss this one. |
|
Skiing and snowboarding New Zealand is well-known for its extreme sports, and thanks to its cooler climate it offers some amazing ski and snowboard fields. The New Zealand ski season typically kicks off in the South Island from mid to late June and finishes in October, with the top spots usually being Mt Ruapehu, Mt Hutt, Porters Alpine Resort and Coronet Peak Ski Area. |
|
Bungy jumping Did you know New Zealand was the first country in the world to commercialise bungy jumping for the public? The country is famous for its bungy jumping spots, with site of the Kawarau Suspension Bridge just outside of Queenstown arguably being the most famous. Thrill-seekers, this one is a must-try! |
|
Explore Auckland Although not the capital, Auckland is New Zealand's largest city and naturally offers a lot to tourists. Some of the top things to do in Auckland and surrounding areas include the iconic Sky Tower, the Auckland Harbour Bridge, and visiting the nearby wine regions. |
|
Rotorua Located on the North Island, Rotorua is known for its geothermal activity, including bubbling mud pools and natural hot springs. It is also home to several Maori cultural sites and offers outdoor activities such as hiking and mountain biking. |
|
Milford Sound In the heart of Fiordland National Park is Milford Sound, a stunning fjord famous for its majestic scenery, including towering mountains, waterfalls, and abundant wildlife. |
Health and safety concerns for New Zealand
New Zealand is generally a very safe place to travel. The Australian Government's Smartraveler website, for example, recommends taking 'normal safety precautions' when visiting, which means minimal risk to tourists. However, that doesn't mean your health and safety are guaranteed.
Some of the more likely things to be mindful of when travelling to New Zealand include:
- Weather and natural hazards. New Zealand is prone to natural disasters such as earthquakes, tsunamis, and volcanic eruptions depending on the region, so check a natural hazards map before booking and stay up-to-date with local weather forecasts.
- Outdoor activities. With extreme activities like skiing and snowboarding, bungy jumping, speed boating and more, the risk of injury is increased. Wear the appropriate safety gear and ensure you have adequate travel insurance coverage.
- Wildlife. New Zealand is home to a variety of unique and sometimes dangerous wildlife, such as venomous spiders and snakes, sharks, and jellyfish.
- Road safety. Many roads in New Zealand, particularly in less urban areas, can be very narrow and winding, making them difficult to drive on.
It's generally a good idea to research any potential risks and hazards you might face before spending money on flights. If you get into trouble in New Zealand, have the contact details for the local emergency services handy, as well as the Australian consulate.
Thinking of going somewhere else?
There are plenty of other places you can go besides New Zealand! 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?
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.
- 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
See all FAQs
New Zealand travel loan FAQs
Need to know more about how or loans work before you head to New Zealand? Check out some of our most frequently asked questions below.
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $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 loan products, 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 and the loan product, loan amount and loan term you qualify for.
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 credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
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.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
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:
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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. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
