To be eligible to apply for a Jacaranda personal loan, you need to: Be at least 18 years of age Be an Australian citizen or permanent resident Have a consistent income into your bank account for the last 90-days Have an active email address, phone number, and online banking account, in your name, that belongs to you It is free to apply with us. If you are not sure if you will meet our criteria, we encourage you to complete an application so we can look into your individual situation. We treat every application on its merits on a case-by-case basis as we understand that everyone’s situation is different.

Where do I need to supply with my application?

We require the following information when you apply through our 100% online application: Basic personal information (i.e. full name, address, D.O.B) Online banking details On occasion, our loan specialists may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you.

Will you do a credit check?

We lend to people with bad credit, good credit, and no credit rating. As a responsible lender, we do perform credit checks on eligible applicants. However, credit checks play a small role in our decision making. We focus more on your present financial position than your past financial position. We will never perform a credit check without your express consent which you provide to us when you apply for a loan with us. We store your acknowledgement and consent for 7 years and it can be supplied on demand. There are four credit reporting bodies we may use: Equifax Pty Ltd (Equifax) W: www.equifax.com.au PP: www.equifax.com.au/privacy T: 13 8332 Experian Australia Credit Services Pty Ltd (Experian) W: www.experian.com.au PP: www.experian.com.au/contact-us Illion (formerly Dunn & Bradstreet) W: www.dnb.com.au PP: http://dnb.com.au/privacy-policy.html E: publicrelations@dnb.com.au T: 1300 734 806 TaleFin Pty Ltd (Formerly Lend Guard) W: www.lendguard.com.au/ C: www.lendguard.com.au/contact-us/ PP: https://lendguard.com.au/legal-policies/

What if I apply outside business hours?

Applications can be submitted 24 hours a day via our online application form. Most applicants get an outcome from us at the end of the application. Our office hours are: 8 am to 5 pm – Monday to Thursday 8 am to 4 pm – Friday 8 am to 12 pm – Saturday CLOSED – Sunday There will be cases where we need additional documents or information from you. If you have applied outside of business hours, we will contact you when business hours resume. Most applicants have a final outcome within 60-minutes2 during normal business hours. Approved applicants then have their cash in their bank account 60-seconds3 after accepting their digital contract.

When the banks say no, give us a go!

We can make loans happen when the banks won’t!

Personal & Car Loans up to $25,000

25-48 month terms

Easy applications, same-day approvals²

Check If You Qualify

With no impact on your credit score!

Check If You Qualify

With no impact on your credit score!

I'd like to borrow

*Subject to lending criteria, T's and C's'

Get Started Now

*Subject to lending criteria, T's and C's'

Personal & Car Loans up to $25,000

25-48 month terms

Easy applications, same-day approvals²

Who are we

About Jacaranda

Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.

We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.

We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans.

Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.

Click here to learn more about what makes Jacaranda great!

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Aussies Helped With A Loan

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Loans Approved

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Google Rating

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Years Helping People

OVER 5,000 REVIEWS

Trusted by 1,000s

4.9/5

4.8/5

4.7/5

4.9/5

- D. Dianita Miguel - 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.
- S. Shaan Johari - Google Review

Super easy and fast system, applying was seamless and money was instant!
- K. Kayleb Perkin - Google Review

Fast, reliable service had money in acc same day
- n. naomie falconer - Google Review

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
- N. Nathan Ross - Google Review

Brilliant service and quick action during application process the best there can be when it comes to quick loans.
- B. Breeanne Pocock - Google Review

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 !
- S. Scott Milkauskas - Google Review

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.
- K. Kevin Kupke - Google Review

Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
- J. Jim Mccullough - Google Review

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
- B. Brendan Lau88 - 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.
- R. Rebecca Hay - Google Review

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.

Need a bigger loan for some key expenses?

A Jacaranda Personal Loan has a maximum loan amount of $25,000. That’s up to 41 times more than other online lenders out there!

The image is for comparison purposes only and is accurate as of August 2024. Jacaranda’s maximum loan amount is based on our Secured Personal Loan. Wallet Wizard’s product is a continuing credit contract with a maximum credit limit of $8,000; Nimble’s is a personal loan with a maximum loan amount of $5,000; PayPal’s Pay in 4 is a buy now, pay later (BNPL) product with a maximum credit limit of $2,000, and Afterpay is a BNPL product with a starting credit limit of $600 for new customers. Afterpay’s credit limit can be increased based on repayment history. Different products have different loan sizes, and results may vary. See each product's T&Cs for more details.

borrow up to $25,000 and start your financial journey today

Select Your Product

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to PAYID Enabled Banks

About PayID

Not all banks or bank accounts are PayID enabled. To find out more information about PayID and how it works, please visit https://payid.com.au/ or contact your bank.

Not all banks or bank accounts are PayID enabled. To find out more information about PayID and how it works, please visit https://payid.com.au/ or contact your bank.

Building Better Credit Starts Now

If you've been rejected by a bank, we have a range of tools and features that could help you improve your credit score and increase your chances of getting approved next time.

How to apply with Jacaranda Finance

We Make Applying Easy

If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. You can:

Apply in just 5-12 minutes¹
Receive a same-day outcome² on your application
Get your money within 60 seconds³ if approved

Check if you qualify for one of our Personal Loans today!

Get Started Now

Data security and privacy

We take your security seriously

We go above and beyond to protect your information and data in the Better Credit app.

Through bank-grade security, secure logins and 256-bit SSL data encryption, checking your credit score in the Better Credit app is completely safe.

See here for more information

Learn More With Jacaranda

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Frequently Asked Questions

Jacaranda Finance FAQs

Read some of our most frequently asked questions below to learn more about Jacaranda and our products.

See All FAQs

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.