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What makes Jacaranda different?
Speedy applications
After a quick personal loan? Apply anywhere, anytime in minutes, without the hassle of a long application. Most people take 8 minutes.
Quick outcomes
We'll let you know if we think we can help you on the spot when you finish your application. All day, everyday. That’s 24/7, 365 days.
Instant cash
For most customers, we can have the cash in your bank and ready to use within 60 seconds, once your contract has been signed.
Our Loan Product Benefits
It’s free, quick and easy to apply
We are 100% online - no messy paperwork
We do not charge early termination fees
Transparent & responsible lending guarantee
Reviews don’t lie 🌟
Last updated: 13/05/2020, 3:57pm
Borrow from Australia’s award-winning lender
Jacaranda Finance was named Champion of Financial Services at the 2019 Australian Small Business Champion Gala Dinner and Awards.
View Awards
Nothing feels better than giving back
At Jacaranda, we believe we're only as strong as our community. Among other non profit organisations and initiatives, Jacaranda Finance is proud to support local Australian charities Life Education and forgood in their work to empower our communities.
Frequently asked questions
Can I apply for a loan? How do I qualify?
The basics to be eligible to apply for a Jacaranda Personal Loan are:
- 18 years of age
- Have internet banking for the account your income is deposited into
- Have regular consistent income going into a bank account
- Have at least 90 days of bank statements. This can be across different bank accounts.
- Be an Australian Citizen or Permanent Resident
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. We understand that everyone's situation is different. Loan applications are only accepted online.
What do I need to supply with my application?
The purpose of our application form is to get a better understanding of your financial position. You should be able to answer most questions on your own.
Besides basic questions, we will ask you to submit a digital bank statement to us. We use third party technology to gain read only access to your bank statements. We are also required to identify you, which we do electronically using ID numbers. Please have your identity documents such as a drivers licence handy.
On occasion we will need other supporting documentation which our loan specialists will request if needed.
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. 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 three 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
What if I apply outside business hours?
Applications can be submitted 24 hours a day via our website application form. Most applicants get an outcome from us at the end of the application, 24 hours a day, 7 days a week.
Our office hours are:
- 8 am to 6 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 minutes during normal business hours. Approved applicants then have their cash in their bank account 60 seconds after accepting their digital contract.
Need a hand? 👋
Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.
Why choose us
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!
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 you’re looking for 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 are the loan experts.
We offer small unsecured personal loans and secured loans. You can borrow anywhere from $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 you're 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 for needing to borrow 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!
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