Fast Forward Icon
Rapid
Processing

Get the cash you need when you need it

Delivery Truck Icon
Quick Application
Outcomes

You could hear back from us in just 60 minutes

Document Icon
Super Fast
Application

Apply in just minutes, completely hassle-free

How it works

It's really simple and easy
Chevron

Step One


Submit Application Online

Apply online using our simple application form that could take you just minutes to complete!

Computer on desk with pot plant and pens

Step Two


We Assess Your Application

To assess your application quickly, our team utilises the latest in safe banking technologies to assess your situation. We'll determine whether one of our loan products is suitable for you and we'll never lend you more than you could afford to repay.

Checklist on a clipboard with dashed lines connecting to various elements

Step Three


Money Transferred Upon Approval

You could receive an outcome on your application in just 60 minutes, however, approval times are subject to each individual application and so they will vary. If you are approved, we will transfer the funds to you with the next round of banking, after you have signed your loan contract. The amount of time it takes for the funds to reflect in your personal bank account will depend on the policies of the bank you are with.

Woman completing a giant checklist surrounded by pot plants and leaves

Why Choose Jacaranda?

Chevron
Icon

Fast assessment, turnaround time & payment.

Is it a YES or is it a NO? We know that‘s all you want to know at the end of the day. Most, but not all, applicants should receive an outcome in just 60 minutes, as long as they applied within business hours.

Icon

We are 100% online.

Being 100% online means there is no need to travel anywhere to submit an application. The whole application from start to finish can be completed from the comfort of your own home; providing you have access to the internet.

Icon

We are quick loan specialists.

Unlike many other short-term loan products, our loans are structured over repayment terms of 12-24 months. The benefits of this include additional breathing space while repaying as well as lower loan repayments.

Icon

Customer Service is key to us.

We like to look after our customers. Our dedicated team of real customer service operators are available via phone or email during normal business hours.

Icon

We understand that no one is perfect.

Everybody makes mistakes. Credit History plays a very small role in our loan assessments. Jacaranda will consider your loan application regardless of the mistakes you may have made in the past.

Icon

Everything is out in the open.

Jacaranda Personal Loans comply with all relevant Commonwealth and State Legislation. There are no hidden fees or surprises. We are very transparent, and all of the costs associated with our loan products are described in detail.

Testimonials

Chevron

What our clients say

Home Overall rating: 4.7 out of 5 based on 149 reviews.

Great Service

★★★★★
5 5 1
I was very appreciative to the service provided by Jacaranda to help me get loan approval in difficult time fast and easy Thanks heaps Peter
Word of Mouth
 Service Award
Word of Mouth Service Award

How to qualify for a Personal Loan?

Purple Chevron

Small Personal Loan

Loan Amount

Minimum
$300


Maximum
$2,000

Icon of hand with dollar symbol in it

Terms

Minimum
12 Months


Maximum
12 Months

Calender Icon

Costs

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

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest. The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

WARNING: This comparison rate is true 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
Invoice Icon

Examples

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $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.

Bar Graph Icon

Medium Personal Loan

Loan Amount

Minimum
$2,100


Maximum
$4,600

Icon of hand with dollar symbol in it

Terms

Minimum
13 Months


Maximum
24 Months

Calender Icon

Costs

Annual Percentage Rate (APR) is 48%
Comparison Rate is 67.41% per annum.

This comparison rate is based on a medium amount credit contract of $2,500 repaid over 2 years with a $400 establishment fee and APR of 48%.

WARNING: This comparison rate is true 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
Invoice Icon

Examples

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest*) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest*) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

* Reducing intertest means that the 48% APR is applied to the outstanding balance on a loan. When a loan repayment is made, the loans outstanding balance goes down and the APR is applied to that lower balance. Therefore, the interest component of the loan will constantly reduce (as long as repayments are being made!) - thus it is called reducing interest.
Bar Graph Icon

Large Personal Loan

Loan Amount

Minimum
$5,000


Maximum
$10,000

Icon of hand with dollar symbol in it

Terms

Minimum
13 Months


Maximum
24 Months

Calender Icon

Costs

Annual Percentage Rate (APR) is 21.24%
Comparison rate is 48% per annum.

WARNING: This comparison rate is true 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
Invoice Icon

Examples

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

Bar Graph Icon

Why choose us

Chevron

We take pride in our work.

At Jacaranda Finance we pride ourselves on being able to help people get out of stressful situations. That means that whenever an application is submitted to us, our team will work tirelessly to try and come up with the best offer possible. Whether you’re looking for cash loans, debt consolidation loans, secured loans, dental loans or even holiday loans, we do the lot! We’re your one-stop-shop for all things loans and our eligibility requirements cover people in all different situations.

As much as we’d love to, we unfortunately can’t help absolutely everyone who applies. We are responsible lenders which means we have a duty of care to our customers to ensure they are capable of paying back their loan without any stress. The last thing we want is for our clients to find themselves in financial hardship or overcommitted after applying for a Jacaranda loan. We’re here to help your situation, not hinder it!

Computer on desk with pot plant and pens

Our process is simple and easy.

So, if it’s personal loans, medical loans, micro loans, unexpected bills loans, same day cash loans, quick cash loans, a cash advance, unsecured personal loans or travel loans you’re looking for, you’ve come to the right place! Yep, you read that right. Your loan can be used for just about anything.

Our application form will be the easiest thing you do all day and you’ll hear back from us in record time! We understand that what you’re looking for is quick cash and that’s why quick cash loans and same day cash loans are our speciality. Our comfortably lengthy 12 -24 month repayment periods will also give you enough breathing room to repay your loan without any sweat off your back.

Checklist on a clipboard with dashed lines connecting to various elements

We are the loan experts.

We offer small unsecured personal loans and secured loans. You can borrow anywhere between $300 to $2,000 for unsecured personal loans and $2,001 to $10,000 for secured loans. You’ll be able to put in how much you need when you submit your application, but remember - it all comes down to how much your getting and spending each month! If you do decide to go for secured loans then we will ask for an asset to be attached for security. This could be anything from your car to your motorbike, campervan or boat! Once again, it’s up to you! However much you’re wanting to borrow, enter it into our loans calculator at the top of the page and away you go!

We just ask that you tell us the reason you are borrowing the money. It doesn’t matter whether it’s debt consolidation loans, medical loans, micro loans, holiday loans, dental loans or even extra travel loans that you’re applying for. Heck, you could even use it for Christmas expenses! Just let us know so we can provide you with the best offer possible!

Woman completing a giant checklist surrounded by pot plants and leaves