Travel Loans for Thailand

Looking to finance your dream trip to Thailand? Jacaranda Finance offers travel loans to help you make your dream a reality.
Our application process is simple and you could receive your funds in no time.

Apply now and get ready to explore the land of smiles!

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Borrow $5,000 to $25,000
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Same-Day Approval2
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24-48 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'

Looking to finance your dream trip to Thailand? Jacaranda Finance offers travel loans to help you make your dream a reality.
Our application process is simple and you could receive your funds in no time.

Apply now and get ready to explore the land of smiles!

Decorative graphic of a Coin
Borrow $5,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
24-48 month terms

Award-winning lender

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Why travel to Thailand

Located right next door to Vietnam, Thailand is one of the most popular countries Australians love to go to.

According to the Australian Bureau of Statistics, 543,000 Aussies went there in 2019 (pre-Covid), which is enough to make Thailand the 6th most popular tourist destination for Australian travellers. In 2019, Australian visitors to Thailand were the third highest spenders among all nationalities, with a total expenditure of approximately THB 73.4 billion (AUD $3.1 billion).

That's a lot considering our population compared to other countries, but Thailand is an appealing option to Aussie tourists thanks to its combination of affordability and proximity. Thailand is a fascinating and diverse country that offers something for everyone. From stunning beaches to ancient temples, delicious food, and vibrant nightlife, Thailand is a must-visit destination for any Aussie traveller.

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 Thailand travel loans

Even though Thailand can be a relatively affordable country to visit, that doesn't mean it's cheap. Holidays to Thailand can still easily cost thousands of dollars, and using methods like cash or credit cards while overseas can lead to your expenses piling up without realising it. But not with a Jacaranda personal loan.

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 trip to Thailand 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:

$5,000 to $25,000

Loan Terms:

24 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 Thailand from Australia?

Thailand is a good location for the average traveller, with both budget and luxury travel available. The Tourism Authority of Thailand found that the average Australian traveller spends about $2,767 on their Thailand holidays, and according to Budget Your Trip, your typical daily expenses for a 'mid-range' holiday end up at around $136 AUD per day.

For a 'budget' holiday, that daily cost shrinks to just $44 and grows to a whopping $487 per day for a 'luxury' high-end trip. The overall cost of your trip will be different depending on a number of factors, primarily:

  • Your length of stay
  • Your Destination within Thailand
  • 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. According to Skyscanner, the best price for a return flight to Thailand is from Australia (as of February 2023) is just $294, although you can end up paying in excess of $1,000 in some circumstances.

In terms of accommodation, your nightly cost in Thailand will typically be around $43 - $85 on average, based on research from Budget Your Trip.

The average cost of travel to Thailand

One week (AUD)

Two weeks (AUD)

One month (AUD)

For one person

$955

$1,910

$4,094

For a couple

$1,910

$3,821

$8,187

Source: budgetyourtrip.com, accurate as at 28 February 2023. Dollar amounts are based on 'mid-range' travellers.

What to do/see in Thailand

Thailand offers a variety of amazing experiences for tourists, from stunning beaches to ancient temples, delicious food, and vibrant nightlife. As one of the most popular Aussie tourist destinations, it's pretty hard to nail down a 'correct' list of things to do in Thailand, but we think we've managed to nail down five of the best ones below:

Visit the Grand Palace and Wat Phra Kaew

The Grand Palace and Wat Phra Kaew, located in Bangkok, are two of the most popular tourist attractions in Thailand. The Grand Palace is a stunning complex of buildings that was once the residence of the King of Thailand, while Wat Phra Kaew houses the famous Emerald Buddha.

Explore Chiang Mai's Old City

Chiang Mai is known for its beautiful temples and unique culture. The Old City is home to many of Chiang Mai's ancient temples and is surrounded by a moat and walls. Take a stroll through the narrow alleys, enjoy the local street food, and experience the traditional Lanna culture.

Relax on the beaches of Phuket

Phuket is one of Thailand's most popular beach destinations, offering crystal-clear waters and white sandy beaches. Visit Patong Beach, Kata Beach, or Karon Beach for a relaxing day in the sun, or take a boat tour to explore the nearby islands.

Go trekking in the mountains of Chiang Rai

Chiang Rai is a mountainous region in northern Thailand known for its stunning scenery and trekking opportunities. Take a trek through the lush jungle, visit hill tribe villages, and experience the unique culture of northern Thailand.

Experience the nightlife in Bangkok

Bangkok is famous for its vibrant nightlife, with many options for entertainment, including nightclubs, bars, and street vendors selling delicious food. Head to Khao San Road for a backpacker atmosphere or visit one of the rooftop bars for stunning views of the city skyline.

Health and safety concerns for travellers in Thailand

Elephant and buddist monchs in Thailand

The Australian Government's Smartraveller website currently recommends 'exercising a high degree of caution' when travelling to Thailand. While it's usually a safe country for tourists as long as you take the standard precautions you'd take while travelling to any other country, there are a few things in particular you should watch out for:

  • Scams and crime: Beware of scams targeting tourists, such as tuk-tuk scams, gem scams, and fake tour operators. Always use reputable tour operators and avoid getting into unlicensed taxis or tuk-tuks.
  • Civil unrest and terrorism: Anti-government protests have occurred in Bangkok and other areas of Thailand, and popular tourist areas may be the target of terrorist attacks. Take official warnings seriously and follow the advice of local authorities.
  • Beach safety: While Thailand's beaches are beautiful, they can also be dangerous. Always swim in designated areas, and be aware of strong currents and rip tides.
  • Food safety: Thailand is famous for its street food, but it's important to be cautious when choosing what to eat. Look for vendors with a lot of customers, and avoid food that has been sitting out in the heat for too long.
  • Wildlife encounters: Thailand is home to many exotic animals, but it's important to be cautious when interacting with them. Never take selfies with wild animals or participate in activities that exploit them.
  • Traffic safety: Traffic in Thailand can be chaotic, with many motorcycles and cars on the road. Always wear a helmet when riding a motorcycle and be cautious when crossing the street.
  • Cultural customs: Thailand has a rich cultural heritage, and it's important to respect local customs and traditions. Dress modestly when visiting temples, take off your shoes before entering a temple or someone's home, and never disrespect the monarchy or Buddhism.

By keeping these tips in mind and using common sense you can have a safe and enjoyable trip to Thailand. Strongly consider taking out a travel insurance policy before you go and writing down the contact details for the Australian Consulate and Embassy, just in case.

Elephant and buddist monchs in Thailand
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
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Loan Term
Repayment Cycle
Secured or Unsecured
Show the What does it mean? modal
Establishment Fees
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Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    24 - 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
    $475 to $990
    Monthly Fees
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    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $140 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
    $5,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 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
    $475 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.

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    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
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See all FAQs

Thailand travel loan FAQs

Need to know more about how or loans work before you head to Thailand? 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 $5,000 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 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:

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. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.