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.

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Fast and reliable finance from $2,100 to $25,000 for everyday working Australians. Try the App now!

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with no impact on your Credit Score!

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Get Started Now If Approved Get Paid in 60 Seconds³

You can now check your eligibility,
with no impact on your Credit Score!

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Learn About Your Options >

Select Your Loan

Cash Boost Loan

$2,100 - $4,600

9 months - 18 months term

Express Personal Loan

$5,000 - $25,000

24 months - 48 months term

Express Car Loan

$10,000 - $25,000

24 months - 48 months term

Funds in 60s

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Easily apply for and manage your loan in-app
Make extra repayments, check your balance & more
Easy access to our customer service team

UNLOCK THE NEW FINANCIAL YOU

Boost Your Credit Score With Jacaranda

Check your eligibility

Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!

Get Started Now

Comprehensive Credit Reporting (CCR)

Making all your repayments to us on time could steadily improve your credit score and positively impact your ability to get credit in the future.

Some's credit score improving thanks to our CCR

What Can You Use a Jacaranda Loan For?

Our loans can be used for some of life’s key expenses - expected & unexpected.

Home Improvement

From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
Car & Vehicle Repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
Rental Bond & Moving

Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
Appliances & Furniture

New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.
Debt Consolidation

Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.
Holidays & Travel

Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.
Wedding Loans

Whether it’s for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day.
Medical Bills

You can turn to Jacaranda for a personal loan to help pay for any large medical bills.
Dental

Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.
Pet & Vet Bills

Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda could have a loan to suit you.

Home Improvement

From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
Car & Vehicle Repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
Rental Bond & Moving

Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
Appliances & Furniture

New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.
Debt Consolidation

Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.
Holidays & Travel

Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.
Wedding Loans

Whether it’s for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day.
Medical Bills

You can turn to Jacaranda for a personal loan to help pay for any large medical bills.
Dental

Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.
Pet & Vet Bills

Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda could have a loan to suit you.

The Application Process

We Make Applying Easy

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible.

Repayment Calculator

Use our handy loan repayment calculator to get an estimate on what your repayments might be before you apply for a Jacaranda loan.

See our Rates & Fees Page for a comprehensive breakdown of the costs involved with our loans.

I'd like to borrow: $8,500

Borrow:
$8,500

- +

Over how many months:

Months

24 36 48

Estimated
repayments:

...

p/wk

Interest Rate

14.95% - 27.95%

Comparison Rate

29.30% - 42.80%

See Comparison Rate Warning

*Please consider: The example repayment is a guide based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.

Get Started Now If Approved Get Paid in 60 Seconds³

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See our Rates & Fees Page for a comprehensive breakdown of the costs involved with our loans.

Who are we

About Jacaranda

We're an Australian-owned, operated, fully-online digital lender providing fast and flexible loans to mainstream Australians. Our mission is to give everyday working Aussies such as yourself access to credit for life's key expenses.

Click here to learn more about what makes Jacaranda great!

Our #1 Goal? To make life easier!

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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

Trusted by 1,000s

4.9/5

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- 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 - See More

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. - See Less
- S. Shaan Johari - Google Review

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

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

Fast, reliable service had money in acc same day

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

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

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

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

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

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 ! - See Less
- N. Nathan Rice - Google Review

So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More

So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
- 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.

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

Jac’s FastMoney!

Funds in 60s

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. Exit

It’s Faster With the FastMoney App

Boost Your Credit Score With Jacaranda

What Can You Use a Jacaranda Loan For?

We Make Applying Easy

Repayment Calculator

About Jacaranda

Our #1 Goal? To make life easier!

Trusted by 1,000s

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.