Jacaranda Finance Pty Ltd

Need a quick, short term personal loan?

$300 $10000
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(you will be sent a verification code by SMS)

Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $10,000 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 flat 20% Establishment Fee and a flat 4% Monthly Fee. 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. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here to see a worked example.

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Fast Processing

Quick Turnarounds & Decisions

Fast Application Outcomes

Super Fast Application

How it works

It’s really simple and easy!

Why choose us

Why choose Jacaranda

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 could receive an outcome in just 60 minutes, as long as they applied within business hours.

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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.

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We are quick personal loan specalists

Unlike many other short term loan products, our 12 month Personal Loan repayment period is suitably long to give you some breathing space while repaying.

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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.

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We understand that no one is perfect, everyone 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.

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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.

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How to qualify for a personal loan?

It‘s simple to qualify for one of our Personal Loans.
To save your own time and energy, make sure you qualify for one of our loans before you apply.

  • Be over 18 years of age
  • Receive a regular income into a personal bank account for at least 90 days
  • Be an Australian resident, or have permanent residency
  • Have a direct contact number
SEE OUR FAQ‘S PAGE

See answers to any questions or queries you have

USE OUR LOAN CALCULATOR

Our costs are simple. 20% establishment fee as well and a 4% flat fee per month providing you pay us back on time.

SEND US AN EMAIL

Find it easier to email? One of our operators will respond to your email ASAP.

CALL US DIRECTLY

Any of our friendly real operators are available for a call from 8am to 6pm Monday to Thursday, 8am to 4pm Friday, and 8am to 12pm Saturday.
Call us now on 1300 189 823.

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

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

Terms

12
months

Example:

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.

Example of how our medium secured personal loans work

Loan amount

$2,100 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 67.41% P.A.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.

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

Terms

13
months minumum
24
months maximum

Example:

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.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

Example of how our large personal loans work

Loan amount

$5,000 minimum
$10,000 maximum

Costs

ANNUAL PERCENTAGE RATE (APR) IS 21.24% Comparison Rate is 48% P.A.

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

Terms

13
months minumum
24
months maximum

Example:

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.

Welcome to Jacaranda Finance,

Quick Personal Loan Specialists

What does Jacaranda Finance do?

We offer a quick personal loan service to thousands of Australians caught short of cash due to an unexpected expense.

Our streamlined assessment process means that a human, not a computer, assesses every application. Our loans range from $300 to $10,000 over a 12 to 24 month term. Our 12 to 24 month Quick Personal Loan repayment period is suitably long to give you some breathing space while repaying.

We offer one of the quickest personal loan services in the country, with customer service ranking highly in our core objectives. Most applicants have an outcome on their application within one hour of completing the application, as long as they have applied within business hours*.

Discover Jacaranda finance

We are 100% online

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Why choose us?

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!

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.

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!

So, what are you waiting for? Let’s get started!

What our clients say

Home Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application
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“Very fast easy to apply thank you so much”

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