Travel Loans for International Flights

Whether you're planning a holiday, visiting family overseas, or travelling for business, Jacaranda Finance can help you make it happen.
Apply now for a loan for your international flights!

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

Whether you're planning a holiday, visiting family overseas, or travelling for business, Jacaranda Finance can help you make it happen.
Apply now for a loan for your international flights!

Decorative graphic of a Coin
Borrow $3,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
25-48 month terms

Award-winning lender

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Need help to buy tickets for an international flight?

As an isolated island nation, Australians love to get out and explore the world. 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! More recently in December 2022, the value of loans taken out Australia-wide for travel and holidays grew by nearly 12%, as borders both international and domestic re-opened.

Our own data meanwhile shows that 'holiday expenses' was the second most common reason our customers took out a loan in 2022! With competitive interest rates and flexible repayment options, we make it easy to get the funds you need to book your dream trip.

How much do international flights cost?

Aussies love to spend big on international holidays - or rather, they have no choice. Flights to other countries from Australia can be pretty expensive given our location compared to the rest of the world. The cost of international flights will also be determined by the destination, season, airline, class of travel, number of travellers and the booking period, which can make it hard to provide an exact cost.

As an example though, Aviation analytics firm Cirium reported that return airfares to Europe in 2022 cost $2,109 on average, while a report by Expedia found the average international return ticket price was approximately $1,761 (economy class).

Overall, it's safe to expect that buying tickets to fly overseas will cost at least a few hundred to a few thousand dollars.

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

About our international flight loans

If you'd rather not dip into your hard-earned savings for your next overseas junket, our flexible loans could be the solution you're looking for.

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:

$3,000 to $25,000

Loan Terms:

25 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.

The top overseas destinations to visit

The top international destinations for Australians, based on accommodation demand on Expedia.com.au as of January 2023, are:

  1. Bali, Indonesia
  2. Tokyo, Japan
  3. Singapore
  4. London, UK
  5. Fiji
  6. Phuket, Thailand
  7. Queenstown, New Zealand
  8. Los Angeles, United States
  9. Rome, Italy
  10. Bangkok, Thailand

If you're after a loan to travel to one of these destinations (and of course, Australia!), check out our pages on each of them by clicking the links provided.

What else can I use a holiday loan for?

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It's not just flights you need to consider when travelling overseas! According to a study from Westpac, the average Australian spends nearly $5,000 per international trip on flights as well as:

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

And much more. Our express holiday loans can provide the funds for all of these major expenses, allowing you to rest, relax and unwind without worrying about how you're going to pay for it.

Not flying overseas?

We also offer loans for domestic airfares and cruises!

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What to consider before travelling overseas

While Jacaranda can help you finance your trip, don't jump the gun on buying your flights just yet! It's important to take some time to consider a few important things before you head overseas, like:

  • Passport and visa requirements: Make sure your passport is valid for at least six months before travelling and that you have all necessary documents, including a visa if necessary.
  • Travel insurance: While not essential, travel insurance is relatively cheap and can be a lifesaver if something bad were to happen during your trip. For example, Finder quotes the average travel insurance policy cost for a 25-year-old travelling to Bali for 10 days at just $50!
  • Accessing your money overseas: We can send the funds to your Australian bank account, but how will you access it in another country? Consider loading it onto a travel money card, using your own card overseas if it isn't too expensive to do so, or if you can withdraw some cash to keep handy.
  • Travel conditions: The Australian Government's Smartraveller website can provide detailed information on the safety of your destination. This can help you discover how you can keep yourself safe and if you should avoid certain areas.
  • Vaccines: This is especially important in a post-COVID era, but countries will have their own vaccine requirements before granting you entry. This isn't just for COVID-19 either. For example, many African countries require vaccinations for Yellow Fever before you can enter.
  • Local customs and culture: Research the customs and cultural norms of your destination country to avoid any unintentional cultural faux pas, or worse, accidentally breaking the law.
  • Emergencies: Make a plan for what to do in case of an emergency, including knowing how to contact local authorities and having copies of important documents such as your passport. Knowing the location and contact details of the nearest Australian embassy is a good place to start.
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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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Rates & Fees

Interest Rate
Comparison Rate
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Loan Term
Repayment Cycle
Secured or Unsecured
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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 Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    25 - 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
    $130 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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    25 - 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
    $130 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.
Interest Rate Comparison Rate
Loan Term Secured or Unsecured
Monthly Fees Repayment Cycle
Establishment Fees Risk Fee
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    17.95% to 27.95%
    Comparison Rate
    32.40% to 42.80%
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or Unsecured
    Unsecured
    Unsecured
    Monthly Fees
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    $130 to $990
    $130 to $990
    Risk Fee
    $0 to $995
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    14.95% to 27.95%
    Comparison Rate
    29.30% to 42.80%
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    25 - 48 months
    Secured or Unsecured
    Secured
    Secured
    Monthly Fees
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    $130 to $990
    $130 to $990
    Risk Fee
    $0 to $995
    $0 to $995
    Comparison 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.

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International 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.

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. 

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.