Loans for Domestic Flights

Need a loan for a domestic flight in Australia? Jacaranda Finance can help.
Our fast and easy online application process means you can get the money you need for your next trip in no time.

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Borrow $2,100 to $25,000
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Same-Day Approval2
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9-48 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'

Need a loan for a domestic flight in Australia? Jacaranda Finance can help.
Our fast and easy online application process means you can get the money you need for your next trip in no time.

Decorative graphic of a Coin
Borrow $2,100 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
9-48 month terms

Award-winning lender

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Need help to buy tickets for a domestic flight?

Aussies love to travel overseas, there's no doubt about that. Australian Bureau of Statistics (ABS) data from before COVID-19 shows as many as 2.24 million Australians left the country for overseas pastures in December 2019 alone! Our own data meanwhile shows that 'holiday expenses' was the second most common reason our customers took out a loan in 2022!

While going overseas is appealing given our isolation from the rest of the world, Australia is a very big country with lots to see and do. So big, in fact, that there's a good chance you've hardly seen any of what our own backyard has to offer!

From Perth to Brisbane and everything in between, our competitive interest rates and flexible repayment options make it easy for you to get the funds you need to book your next trip across Australia.

How much do domestic flights cost in Australia?

Domestic flights will likely be a fair bit cheaper compared to international trips, but they can still cost a lot if you're not careful where and when you look. ACCC data from December 2022 found domestic airfares were well above pre-pandemic levels, with the average domestic ticket sitting 27% higher in October 2022 compared to October 2019.

Our analysis of domestic airfare prices from the Bureau of Infrastructure, Transport and Regional Economics (BITRE) shows the average of the cheapest available prices across all domestic routes in 2022 was $396. That's a 19% increase from the average cheapest domestic flight in 2019 ($333).

It's important to note that airfares can vary greatly depending on a number of factors, such as the airline, the time of year, the destination, and how far in advance the ticket is purchased. For example, the cheapest airfare (on average) when flying from Perth to Sydney in 2022 was $755: nearly double the average!

About our domestic flight loans

Our flexible loans could be the solution you're looking for to fund your next holiday around Australia, whether you're a solo traveler, going with friends, a partner or your family.

At Jacaranda, we're a 100% online lender. That means there's no hefty paperwork or long lines with us. Instead, we utilise state-of-the-art technology that allows you to:

  • Complete your application in just 5-12 minutes1 depending on your circumstances;
  • Receive a same-day outcome on your application2 if you apply during normal business hours; and
  • Have the funds transferred to your account in under 60-seconds3 if approved (if you have an NPP-enabled bank account).

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:

$2,100 to $25,000

Loan Terms:

9 months to 48 months

Loan Type:
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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.

Top Australian holiday destinations to visit

According to data from Webjet, these were the top domestic destinations Australians liked to visit from December 2022 to January 2023:

  1. Melbourne
  2. Sydney
  3. Brisbane
  4. Gold Coast
  5. Adelaide
  6. Perth
  7. Cairns
  8. Hobart
  9. Maroochydore
  10. Canberra

That list is a bit boring though - there's so much beauty in our own backyard that most Australians have never seen. Here's a selection of some of our most amazing places you can visit:

Great Barrier Reef

The Great Barrier Reef (and the Whitsundays)

Located off the coast of Queensland, the Great Barrier Reef is one of the natural wonders of the world for good reason. As the world's largest coral reef system, it's one of the best places to snorkel, scuba dive and explore our ocean wildlife.

Uluru at Sunset

Uluru

In the heart of the Australian outback, Uluru is a sacred site for the Indigenous Anangu people and a popular destination for visitors both foreign and domestic. Camping near this 348m tall monolith is a must-have experience.

Large rocky cliffs and characteristic blue haze in the Blue Moun

The Blue Mountains

The Blue Mountains - able to be reached in a short day trip from Sydney - offer some of the most stunning and peaceful views in all of Australia. It's a great spot for camping, hiking, and exploring caves, and there are some mountain towns you can visit as well.

Sea Lions at Seal Bay, Kangaroo Island

Kangaroo Island

Australia's third-largest island, Kangaroo Island, is just a brief ferry ride off the coast of South Australia. It's home to a vast array of wildlife, including koalas, sea lions and yes, kangaroos!

Aboriginal pictograph, Kakadu National Park, Arnhem Land, Australia

Kakadu National Park

A certified UNESCO World Heritage site, Kakadu National Park is Australia's largest national park, covering over 20,000 square kilometres. Starting from an approximate two-hour drive from Darwin, you can explore the traditional lands of the Bininj/Mungguy people at your own pace.

Great Ocean Road

Great Ocean Road

A scenic coastal drive in Victoria, the Great Ocean Road offers breathtaking views of towering cliffs and rock formations, including the famous Twelve Apostles (technically eight now!).

Fancy an international flight instead?

Want to escape and see a bit more of the world? You can also take out one of our fast, flexible online loans for an international holiday. The most common overseas destinations are as follows, according to Expedia: click the relevant links to learn more about each one.

What else can I use a holiday loan for?

You can use a Jacaranda Holiday Loan for more than just flights.

With trips to some of our most in-demand holiday destinations potentially reaching five digits, our loans can also be used to help pay for:

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

And much more! By taking out one of our loans and spreading your repayments over as long as 48 months, you can rest, relax and unwind.

See also: Top 5 Overseas Holidays under $15,000 in 2023

Alternatives to flying

Flights can be a major chunk of the overall cost of holidaying in Australia. While convenient, it's possible to travel around the world the country without hopping on a plane. Instead, you could try:

  • Driving
  • Caravaning
  • Train travel
  • Bus travel
  • Cruises

By exploring alternative modes of transport, you can add a unique and memorable element to your domestic holiday while reducing your carbon footprint (in most cases) and seeing more of the country.

You can use a Jacaranda Holiday Loan for more than just flights.

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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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Product Details

Interest Rate
Comparison Rate*
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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Monthly Fees
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Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Cash Boost
    $2,100 - $4,600
    Interest Rate
    47.80%
    Comparison Rate*
    Show the About Comparison Rate* modal
    66.07%
    Loan Term
    9 - 18 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured & Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $400 Flat Fee
    Monthly Fees
    Show the About Monthly Fees modal
    $0
    Risk Fee
    Show the About Risk Fee modal
    $0
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $2,500 over 24 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.
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 24.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 39.63%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
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    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $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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  • 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 - See More
    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. - See Less
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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. - See More
    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 ! - See Less
  • 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 - See More
    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
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
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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. - See Less
  • 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 - See More
    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. - See Less
See all FAQs

Domestic flight loan FAQs

Find out the answers to some of our most frequently asked questions here about our flight loans, as well as some general information you might find useful.

Jacaranda offers three loan products with varying loan amounts that you could borrow:

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:

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.