“Simple process and very fast.”

Looking for a simple and fast personal loan?

  • Simple & Easy Application
  • Quick Loan Outcomes
  • Instant Transfers
  • 100% Online

Get more information

How do I get approved?

Start the application process
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Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes2
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

What loans do we offer?

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Car repairs

Whether you need to replace your radiator, buy new tyres, or get your air-con fixed, car repairs can be steep. A personal loan can help you get back on the road again, fast.

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Emergencies

When life throws curve balls, who do you turn to? The Jacaranda application process is 100% online so applying for a loan to cover an emergency expense is quick and simple.

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Debt consolidation

Have you got multiple debts you want to get rid of? Taking out a personal loan for debt consolidation can help you combine your debts into one, easy-to-manage repayment schedule.

emergency
Medical

Whether it’s for an urgent surgery or dental procedure, medical expenses can be costly. A Jacaranda medical loan can have you on the path to mending quicker than you can say ‘g’day’.

Need a hand?
24hr loan processing.

Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, if you need some help navigating what the best loan is for you, our friendly team is more than happy to answer any questions you may have.

60 second payments to PayID enabled banks

Why choose a
Jacaranda Express
Personal Loan?

We’re a fast and fair lender that’s been helping Aussies since 2013.
That’s nearly 10 years!

Customer applying for a fast personal loan

Fast personal loans

Complete your application and have an outcome in minutes. We’ve built state of the art 100% online technology to make everything fast and easy.

  • Submit your online application
    in as little as 8 minutes1
  • Most applicants have an
    outcome in 60 minutes 2
Jacaranda Finance customer service officer answering a call

The best customer
service in town

We pride ourselves on offering some of the best, award winning customer service in Australia. When you need us, Jac’s got your back.

  • We have thousands of real 5 star
    reviews from existing customers
  • We’ve helped over 50,000+
    happy customers
Happy family satisfied with Jacaranda Finance's service

Smart loans & rates
tailored to you

We look at more than just your credit score when considering your application. Get rewarded with a better rate if you’re in a strong financial position.

  • Get a personalised rate tailored
    to you & your circumstances
  • We’ve got your back no matter
    where you are in your credit journey
A group of friends laughing

We look after our
existing customers

At some point, you may need more money when the unexpected occurs. Customers with excellent repayment history may apply for additional credit if need be.

  • Build up a positive history with us to unlock
    larger loans, longer terms & better rates
  • Managing your account is simple and
    easy with our online customer portal

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – GOOGLE REVIEW

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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

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.

Brendan Lau88 – GOOGLE REVIEW
 

Borrow from Australia’s award winning lender

View all of our awards

Frequently Asked Questions

Want to find out more about our fast personal loans? Find out all the answers to our most common questions here.

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