Discover Jacaranda Finance



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Quick Turnarounds & Decisions
$300 $4600
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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.

Bad Credit Loans

Living with Bad Credit History? Have you heard of bad credit loans?


If the mention of your credit history leaves you feeling unsure and anxious, you are not alone. Having Bad Credit should not mean you can’t get a Loan. Bad credit loans exist. Credit history is an important factor in any adult’s life, however, most people are unsure what exactly those two feared words mean.


A low credit score and poor credit history can be the result of various things that we may not think are that important. These things can be as simple as a missed or late payment on a phone bill, utilities bill, loans or credit cards. Often making these payments on time gets neglected due to our busy lives and can easily be forgotten, especially if you are sick or on a holiday. Even if you have managed to catch up and paid something you have missed in the past, it can still be seen on your credit file for up to 5 years afterwards.


How will Bad Credit affect me?


A credit history is your financial track record and can have huge impacts on your day to day life.


Jacaranda Finance

Bad credit can mean the difference between you being able to buy a car to get to work, signing up for the new iPhone or purchasing a new fridge. Of course bad credit will make it nearly impossible to get a home loan, but it can also impact on your ability to rent a house as well.


Your credit history can seem so minor, but it can impact so heavily on these things that are taken for granted in our lives. If you managed to get approved for any type of finance, bad credit will make this much more expensive for you as lenders and companies will charge higher interest rates and other fees.

bad credit loans

bad credit loans

How can I improve my credit history?


Being approved for any type of finance and making the repayments on time is a step in the right direction. Various options are available to improve your position such as larger debt consolidation loans resulting in all of your debts being rolled into one easy repayment, balance transfer credit cards to merge various credit card debt into one place or a quick loan such as personal loans or a cash advance to help you build your credit history quickly whilst helping you out of a sticky financial situation.


A small unsecured personal or short term loan is a fantastic starting point. A personal loan specialist, like the Jacaranda team, will assess your current situation and see how they can help. Most companies now offer a bad credit loans product along with the guarantee of fast money. Not only do these short term or personal loans help you out of a sticky situation when you have fallen short and need quick money, it helps build your credit history and increases your future borrowing power.


Jacaranda Finance offers a wide range of loans that will suit your needs. We believe that your credit history is in fact, history. If you have bad credit we will work with you to improve on this, we want you to have the freedom to enjoy life. Our bad credit loans take approximately one hour to assess and, if approved, the funds are released to your account within 60 minutes. Once we have built up our relationship and are working together to improve your credit history, one of our larger personal loans are often available in the future. Turning your bad credit to good is just one of the benefits of our quick loans; only one of our happy clients can truly explain what the “Jacaranda Difference” is.


Making these simple, affordable repayments shows that you’re capable of managing financial commitments and larger institutions, such as banks, will see that you are reliable. Something as simple as a bad credit personal loan or cash advance can set you on your way to being approved for larger commitments such as home or car loans in the future.


Things to consider before borrowing…


It is important to only apply for loans if you really need them. If you’re ever unsure of any financial decision seek help from a free financial counsellor that are available nation-wide. It is also important to only apply for finance when you are confident that you will be approved. Taking the time to research any company you’re thinking of doing business and their minimum requirements will pay off for you in the future. Being declined for a loan will impact on your history.


Understanding your budget and the impact any new commitment will have on it is vital. Be certain that you’re aware of the repayments and you’re confident that they will leave you with enough money for all your other expenses, especially your day to day living costs. Remember, putting food on the table is more important than a loan repayment.


Once you have a detailed budget and are in control of all your expenses, you can minimise the debt you owe and maximise your financial freedom.

If you have any more questions about working with Jacaranda Finance, including if you have been declared bankrupt, then please don’t hesitate to get in touch with us.

Disclaimer: we aren’t financial advisors, planners, your bank or lawyer. So, our suggestions are just suggestions about bad credit loans and decisions should be based on your personal situation and thorough advice.