FlexiCredit
New
Travel Loans for Vietnam
Looking for a way to fund your dream trip to Vietnam? Jacaranda Finance offers travel loans to help you make it a reality!
With flexible repayment options and fast application speeds, our loans can provide you with the financial support you need to explore all that Vietnam has to offer.
Apply now and get one step closer to your adventure of a lifetime!
Borrow $3,000 to $25,000
Same-Day Approval2
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'
Looking for a way to fund your dream trip to Vietnam? Jacaranda Finance offers travel loans to help you make it a reality!
With flexible repayment options and fast application speeds, our loans can provide you with the financial support you need to explore all that Vietnam has to offer.
Apply now and get one step closer to your adventure of a lifetime!
Borrow $3,000 to $25,000
Same-Day Approval2
25-48 month terms
Award-winning lender
Why travel to Vietnam?
Sitting near other popular Asian tourist destinations for Aussie travellers (such as China, Thailand and Japan) is Vietnam. A beautiful and diverse country with beautiful natural scenery and difficult recent history, Vietnam is an excellent holiday destination if you're looking for something more affordable.
In 2019, Vietnam was one of the most popular overseas destinations for Australian tourists, with more than 317,000 Aussies heading there at a value of $1.2 billion AUD! Aussies are the 10th biggest source of tourism revenue for Vietnam, and the average Australian travelling to Vietnam stays there for at least 12 days.
Whether you're interested in history, culture, or adventure, Vietnam is a destination that should definitely be on your travel bucket list.
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 Vietnam
Even though Vietnam can be one of the cheaper holiday destinations, your expenses can still easily pile up if you're not careful. Rather than dipping into your savings or risking using a credit card to manage your travel costs, why not consider a travel loan with Jacaranda Finance?
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 Vietnamese 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 Vietnam from Australia?
While you can definitely do a luxury holiday in Vietnam, it's usually more popular as a budget-friendly destination. In 2019 (pre-Covid), The Vietnam National Administration of Tourism reported that Australian visitors spent an average of US$1,310 per trip in Vietnam, or $1,943 AUD.
According to Budget Your Trip, the typical daily spend for a 'mid-range' traveller in Vietnam is a mere $74, while a budget traveller can spend just $27 per day (d439,709). The overall cost of your trip will be different depending on a number of factors, primarily:
- Your length of stay
- Your Destination within Vietnam
- 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 Vietnam (as of February 2023) at just $315, but you could pay as much as $1,000 AUD depending on the airline and season. Accommodation meanwhile can typically cost as little as $37 per night (per person), based on Budget Your Trip's research.
The average cost of travel to Vietnam
|
One week (AUD) |
Two weeks (AUD) |
One month (AUD) |
|
|---|---|---|---|
|
For one person |
$518 |
$1,037 |
$2,222 |
|
For a couple |
$1,037 |
$2,074 |
$4,444 |
Source: budgetyourtrip.com, accurate as at 28 February 2023. Dollar amounts are based on 'mid-range' travellers.
What to do/see in Vietnam
A list of all the best things to do on your Vietnamese holiday could contain thousands of things, and it'll really come down to your own personal preferences when deciding what to do. Vietnam is an amazing place, and if you need a hand crafting your itinerary, here are five popular attractions you might consider:
|
Ha Long Bay This UNESCO World Heritage site is known for its stunning natural beauty, with thousands of limestone islands and islets rising from the turquoise waters of the Gulf of Tonkin. You can take a cruise or kayak through the bay to explore the caves and floating villages. |
|
Hoi An This charming old town in central Vietnam is known for its well-preserved ancient architecture, colourful lanterns and bustling night markets. You can also take a cooking class or a bicycle tour to explore the surrounding countryside. |
|
Cu Chi Tunnels Located near Ho Chi Minh City, these tunnels were used by Viet Cong soldiers during the Vietnam War. You can crawl through the narrow tunnels and learn about the history and tactics of the guerrilla fighters. |
|
Hue The former imperial capital of Vietnam is known for its historic citadel, temples, and tombs. You can take a boat tour along the Perfume River, visit the ancient temples and pagodas, and try the local cuisine. |
|
Sapa This mountainous region in northern Vietnam is home to several ethnic minority groups and is known for its scenic rice terraces, traditional villages, and hiking trails. You can trek through the hills and valleys, stay with local families, and learn about the unique cultures and traditions of the region. |
Health and safety concerns for travellers in Vietnam
Vietnam is a safe country to visit overall, with the Australian Government's Smartraveller website recommending exercising normal safety precautions: the safest rating for foreign countries it can give.
However, Vietnam is not without its dangers, and there are a few things to watch out for when travelling there:
- Scams and theft: As with many tourist destinations, there are people who will try to take advantage of unsuspecting travellers. Be cautious of offers that seem too good to be true, and be aware of common scams such as taxi overcharging, fake tours, and pickpocketing.
- Traffic accidents: Vietnam has some of the busiest roads in Southeast Asia, and traffic can be chaotic, especially in major cities like Hanoi and Ho Chi Minh City. Road accidents are a leading cause of injury in Vietnam, so be alert at all times when travelling on the roads.
- Health and hygiene: Vietnam is a developing country, and travellers may be more susceptible to certain illnesses and infections. Be sure to drink only bottled or boiled water, wash your hands regularly, and take appropriate precautions when eating street food.
- Legal issues: Some activities that are legal in other countries may be illegal in Vietnam, and penalties for breaking the law can be severe. Avoid drugs and other illegal activities, and be aware of the local laws and regulations.
- Cultural differences: Vietnam has a unique culture and customs that may be different from what you are used to. Be respectful of local traditions and customs, and dress modestly when visiting religious sites.
- Natural disasters: Vietnam experiences natural disasters and severe weather such as floods and flash flooding, landslides and typhoons. Severe weather events can interrupt travel, power and communications, so come prepared and follow the advice of local authorities.
Vietnam is a beautiful and welcoming country, and by exercising common sense and being aware of your surroundings you can ensure your trip is unencumbered, leaving you free to create lifelong memories. It's generally recommended that you take out a travel insurance policy before leaving.
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 Rate17.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
32.40% to 42.80%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$130 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 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. -
Secured
Personal Loan$3,000 - $25,000![]()
Interest Rate14.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
29.30% to 42.80%Loan Term25 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$130 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 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 Rate17.95% 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 Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
UnsecuredUnsecuredMonthly Fees![Show the What does it mean? modal]()
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$130 to $990$130 to $990Risk Fee![Show the What does it mean? modal]()
$0 to $995$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. -
Secured
Personal Loan$3,000 - $25,000![]()
Interest Rate14.95% 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 Term25 - 48 months25 - 48 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$130 to $990$130 to $990Risk 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.
Vietnam travel loan FAQs
Need to know more about how or loans work before you head to Vietnam? 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.
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.
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.
