Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Travel loans to help you escape to your dream destination

Travel loans, No paperwork, 60-minute approval, 100% online

If you’ve ever been bitten by the travel bug you’ll know how it feels to want to get out and explore the world. Travel loans make it much simpler. Those that have experienced it, understand that there is no other experience in the world that is quite like travelling. The only problem that can get in the way… is the costs of travel. Especially when you are travelling from a place like Australia. That’s because everywhere else in the world is so much further away. The further away places are, the more expensive they are. Nevertheless, it doesn’t mean it’s impossible to get there, especially if you can get a travel loan to pay for the costs. Sound like a travel loan is something you might need? Here’s what you need to know.

how it works question

What are travel loans?

Travel loans Australia are loans that you can borrow from a lender such as Jacaranda Finance, to help you pay for the costs of travel. You can repay the loan over a predetermined period at a given rate.

how it works question

Why travel loans

Travelling can be expensive, and especially if you are planning a trip in advance, it isn’t always possible to have the funds. Travel loans allow you to have access to these funds ahead of time so you can go ahead and lock in your travel arrangements. Then you can pay off your loan in the time leading up to trip.

how it works question

What can a travel loan be used for?

You can use travel loans Australia for a variety of different purchases when locking in your travel arrangements. Flights are a big one, since often they can be the biggest expense of the trip. The other thing about flights is that they go up in price as time goes by. So, you often need to purchase them a few months in advance to lock in the price before it significantly goes up.

They can also be used to pay for accommodation deposits, for tickets to music festivals or even train tickets. You may even need to purchase travel insurance. Depending on where you are travelling to, and how long you are travelling for, travel insurance can be very expensive.

how it works question

Who can get travel loans?

The great thing about our travel loans is that they are available to anyone who meets our lending criteria. The following is a list of our eligibility requirements that must be met to get approved for a loan. You need to be:

how it works question

What information is needed to apply for travel loans?

As part of your application, there are few key pieces we require from you to process your loa

n application.

Firstly, we require at least 100 points of ID, to verify your identity. To find out what makes up the 100 points of ID click here

Internet banking is set up with your bank. We’ll need this so that we can verify your financial situation. If you don’t have internet banking set up, just give your bank a call and they should be able to easily set that up for you.

We’ll also need your mobile phone number so that we can contact you with an outcome of your application.

how it works question

How do you apply?

To get travel loans you just need to apply by filling out our online application form. It’s a form that only takes a few minutes to complete which you can find here. Simply answer a few questions about your personal details, employment, purpose for the loan and the amount you want to borrow. Since, it is completely online, there is no need for you to worry about dealing with messy paperwork. Plus, we’ll get back you with an outcome of your application within the same hour that you apply.

Here is the step by step guide to our application process for getting travel loans Australia:

  1. Fill out the online application form online – our online application form only takes a few minutes to complete. It will ask a few questions about your personal details as well as your reason for applying for a travel loan.
  2. Sit back and relax – once you’ve applied all you have to do sit back and relax and we’ll get back to you with an outcome of your application, usually within an hour of applying.
  3. Accept the loan contract – once you’ve received an outcome of your application (we’ll let you know via text message) the next step is to accept the loan contract.
  4. Receive your funds – as soon as you accept the loan contract we’ll transfer you your funds straight away!
how it works question

Can I get travel loans bad credit?

Since your credit rating isn’t the only thing we look at when making a decision to lend you a travel. So if you do have a bad credit rating, don’t be disheartened it may still be possible for to get a loan with us. That’s because we prefer to look at your recent financial history which we find gives us an accurate representation of your current financial situation.

We understand that a bad credit rating can be a result of decisions of the past. That’s why we don’t want to hold you back from achieving your travel goals.

how it works question

Can I get travel loans if I am receiving Centrelink benefits?

We do accept some Centrelink recipients that apply for travel loans with us. However, we are much more likely to accept those who have a supplementary income to a Centrelink income.

how it works question

Can I get travel loans if I’m unemployed

Unfortunately, if you don’t have any source of regular income it will be difficult for us to approve you for a loan. That’s because we need to see that you will be able to make the repayments for the loan.

how it works question

How much do travel loans cost?

Depending on how much you want to borrow, will determine how much your loan will cost. We do two types of loans Jacaranda finance, and they vary slightly in terms of their cost structure. At Jacaranda, we do small personal loans and medium secured loans. The following details the cost structure below:

how it works question

Small personal loans

With our small personal loans, you can borrow between $300 to $2,000 repaid over 12 months. These loans cost both an establishment fee of 20% plus monthly fees of 4% per month. They also cost a $35 fee for any direct debit dishonours. However, if you always ensure you have enough money in your account when you need to make your repayments you won’t have to worry about being charged this fee.

how it works question

Medium secured loans

These loans are slightly larger, where you can borrow between $2,100 to $4,600 and repay it over a period between 13 to 24 months. For these larger loans you will need to provide an asset to be tied to the loan as security. An asset can be a car, motorbike or caravan. They serve as a security for the lender in case you were unable to repay your loan.

These loans cost an establishment fee of $400 plus an annual fee of 48%. Our comparison rate is 66.0347% which is based on $2,500 loan over 2 years with a $400 establishment fee.

Though to give a better idea of what our loans cost and what your repayments would be, check out our loan calculator.

You can also visit the Moneysmart website which explains more about the costs of personal loans.

how it works question

How long does it take to receive your funds

Once you’ve applied, we’ll send you an outcome of your loan application. If you are successful, we will extend you an offer to borrow a loan. As soon as you accept the loan contract we transfer your funds to you straight away. If your bank is with commonwealth you should receive your funds within a couple of hours. Otherwise, you’ll receive your funds overnight.

how it works question

How does repayment work?

Repayment works by setting up a direct debit so that your repayments are deducted from your account automatically. We suggest setting your direct debits up to match your pay cycle. Whether its weekly, fortnightly or monthly, we can make it work for you.

how it works question

What if I can’t make a repayment

If for some reason you can make a payment, don’t worry, just contact us soon as possible. We should negotiate a solution that works for both parties. We understand that things happen, and the last thing we would want is for you to get yourself into a difficult financial situation.

how it works question

What’s great about travel loans?

Our travel loans have several benefits you can enjoy. We’ve decided to the list the benefits below:

how it works question

What questions should I ask myself before I apply?

Before making the decision to borrow money, there are some questions you may want to ask yourself before you apply.

how it works question

What if you don’t approve my loan application?

If we don’t approve your application for a travel loan it may be for several reasons. However, if that doesn’t mean we won’t accept your application for a travel loan with us in the future. Wait until financial situation improves a bit more and then try applying again.

Nevertheless, if you are ready to embark on your travel adventure, wait no longer. Get out there Australia and see the world by getting travel loans with Jacaranda today! Make your travel goals a reality and apply now!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Travel loans, No paperwork, 60-minute approval, 100% online Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much