FlexiCredit
New
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!
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'
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!
Borrow $3,000 to $25,000
Same-Day Approval2
25-48 month terms
Award-winning lender
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:
![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.
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:
- Bali, Indonesia
- Tokyo, Japan
- Singapore
- London, UK
- Fiji
- Phuket, Thailand
- Queenstown, New Zealand
- Los Angeles, United States
- Rome, Italy
- 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?
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!
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.
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.
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.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.
