Aussies love to travel! Whether it’s a major overseas adventure or an interstate holiday, most Australians have dreams and/or plans to travel somewhere at some stage, sometime soon. But putting the plan into action, turning a dream into reality entails having the funds to cover expenses. Accumulating the savings to cover a great trip can take a long time. Putting charges on credit cards can attract high-interest charges and blow the travel budget. We have another option with low-rate travel finance.
We assist dreamers and planners to become travellers sooner with our affordable travel financing options. Enabling travellers to pay for expenses through loan options, individually sourced from across our vast lender base and including our signature best interest rates, flexible terms and workable repayment schedules.
Whether it’s a bucket-list adventure, seeing your favourite team in the Grand Final, experiencing an Open, World Cup, or Grand Prix, a concert or festival, a short-notice destination wedding, a spur-of-the-moment cruise decision, or you simply haven’t managed to save the full amount required by the departure date, speak with us about the options we can offer for funding your travel.
Saving for travel and holidays can be a challenge, and it can be a slow process to accrue significant interest. Price increases for tickets and accommodation and currency fluctuations may be adding to the overall cost of the travel, pushing plans further into the future. Holiday loans make travel accessible now, with the opportunity to spread the cost over the repayment terms.
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Capture current airline and accommodation prices and avoid price increases. Capture rare opportunities that may not be available at another time. Take advantage of funding to upgrade plans to a more luxurious experience. We have financing plans and options to cater for different budgets and varying travel plans.
We provide travel funding with an Unsecured Personal Loan with no major assets or collateral required. Making this type of credit accessible to many different travellers and holidaymakers. The selection of personal loan products varies across the consumer credit lending market. Products can have varying minimum and maximum limits, different terms, varying eligibility criteria; and either fixed or variable rates.
Finding the right credit product and the right lender is the task of your Jade Finance consultant. We assign one of our expert consultants to each customer to ensure personal, individual services to source the most suitable travel loan. We are accredited with 80+ lenders, we know their products and their criteria, and we match you with the lender and the product that best suits your profile and your requirements.
Financing your travel with Jade ensures you have a specialist to source the holiday loan that suits you. We cater for different budgets, itineraries and destinations. Paying for travel through financing options can be secured with fixed or variable rates over terms of 1-7 years and with repayment schedules that will work with your income and budget.
Your travel plans are your personal preferences, and we ensure that financing your travel is equally personalised to your requirements. For a quote on your next holiday loan, contact us.
Accessing an Unsecured Personal Loan through Jade can compare extremely favourably with other options available to fund travel plans. The alternatives are typically saving, using credit cards, travel provider funding or short-term payday-type loans. Saving can take considerable time, and savings accounts attract modest interest earnings. Credit cards can attract higher interest rates than personal loans. Short-term payday-type loans can have higher rates and shorter repayment terms. Some travel providers may offer interest-free periods, but after that period has expired, a much higher interest rate than with an unsecured personal loan may apply.
Use our calculator and lender comparison tools to compare the different loan options and calculate estimates on affordable repayments on our Unsecured Personal Loans.
Our guides offer quick comparisons and simple explainers to help you move through the financing process with confidence.
The concept of paying for travel through financing options is not new. Most travellers will use credit cards to cover some of their expenses and pay off the balance over time on their return. However, with a greater awareness of interest rates and the emergence of new lending products, there is a growing trend for travellers to consider vacation loans.
We provide travel finance and vacation loans through our Unsecured Personal Loans. This credit product can be used for a range of expenses associated with holidays and travel. The loan can be used to cover airline tickets, cruise tickets, accommodation, tours, sports and concert tickets, experiences, insurance, upgrades, meals and ancillary expenses.
Financing your travel can assist with expediting your plans to get you to your destination sooner; provide access to travel experiences for more people, enable a more luxurious experience, access more adventure experiences, realise once-in-a-lifetime opportunities, or to simply make a scheduled vacation happen. The reasons and the destinations of our travel financing customers are extremely inclusive. We assist adventure seekers, destination wedding guests, fans heading to sporting or entertainment events overseas or interstate, travellers taking up unexpected opportunities and invitations to join family or friends; and many others to activate their plans.
To discuss how we can support your travel plans with our loan opportunities, connect with us online or by phone.
Funding your travel will entail taking on a personal loan. These types of loans are regulated by Consumer Credit laws in regard to eligibility criteria. This includes being over the age of 18, having a reliable source of income and employment and providing lenders with documents and details of assets, income debts and expenses.
Lenders also have varying criteria for approving applications and making offers. We know the matrix used by our lenders and can match each traveller with the right lender. Holiday loans are typically unsecured personal loans as the purpose of the funding is not tangible goods that can be used as security for the lenders. With no major assets or collateral required, the lender’s assessment of your credit score and ability to repay the loan will determine approval, the interest rate and borrowing limit.
Your Jade consultant will be handling the application processing for you with the lender that is best suited to your profile and requirements. Applications can be made online or over the phone with many approvals received in 24 hours. Once approved, the money is transferred to your bank account for you to use for your travel expenses. Request a quote for your holiday loan.
Funding your travel with a personal loan can make travel more accessible and sooner. However with the interest charged on the loan, the overall outlay may be higher than using savings. Taking a responsible approach to planning the travel and the holiday loan may result in finalising the commitment and starting plans for the next travel experience sooner.
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THE COMPARISON RATE IS CALCULATED ON A SECURED LOAN OF $30,000 FIXED FOR A TERM OF 5 YEARS, NEW GOODS, EFFECTIVE 20/12/2024 AND SUBJECT TO CHANGE. WARNING: THE COMPARISON RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT COMPARISON RATE.
Terms for personal loans are subject to lender approval of each application. A term of 1 to 7 years is available on Unsecured Personal Loans.
An Unsecured Personal Loan is a credit product that can be used for a range of non-tangible expenses. That is, the funds are not used to purchase goods, which are the security for the loan. Unsecured loans do not require assets or collateral.
By definition, unsecured credit does not require assets as collateral for the funding. Some lenders may require some form of security, or approval may be received based on earnings capacity and creditworthiness.
Vacation loans may be used for various travelling and holiday purposes by cruise ship, air and road both overseas and within Australia.
Interest rates vary across the lending market and for individual applicants.
The maximum borrowing limit on holiday loans will vary with different lenders and for individual applicants.
Lenders typically offer Unsecured Personal Loans for financing holidays and travel.
Travel loans can be used to cover a range of expenses involved in the trip, including upgrading accommodation or tickets.
The destination for the vacation would not typically impact getting approved for holiday finance.
Yes. Holiday loans may be used to cover the cost of cruises.
Monthly loan repayments commence one month after settlement. Where weekly or fortnightly repayments are arranged, the first payment may be due within that timeframe after settlement.
Approval of holiday loan applications may vary across the lending market. 24-hour approval is quite typical.
Yes. Vacation finance is available for overseas and Australian travel.
Fixed interest rates allow for fixed repayments over the full term. This can provide borrowers with certainty. Variable rates may change and change repayment amounts but allow for additional payments with no early payout fees. This may provide flexibility.
Subject to conditions of the individual credit product, most personal loans allow for extra payments to be made. Fees may apply where the loan is finalised prior to the end of the fixed term.
