Need a quick, short term personal loan?

$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Word of Mouth - 2016 Service Award



Fast Approvals

Quick Turnarounds & Decisions

Application outcomes wihtin 60 minutes

Only a 4 minute application

How it works

It’s really simple and easy!

Why choose Jacaranda

Fast approval, 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 applicants not all applicants have an outcome on their complete application within 60 minutes.

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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 answers to any questions or queries you have


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


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


Any of our friendly real operators are available for a call from 8am to 7pm Monday to 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


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

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle 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

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% 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.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

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

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 $4,600 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*.

Discover Jacaranda finance

We are 100% online

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What our clients say

Home Overall rating: 4.7 out of 5 based on 147 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much