Jacaranda Finance dotted halo branding element

WIN $100 CASH WEEKLY

Experience Jacaranda Finance instant bank transfers for yourself. We're transferring $100 directly into a lucky someone's bank account every single Friday!

ENTER WEEKLY DRAW

Terms and conditions apply

What Makes Jacaranda Different

Illustration of woman using her mobile phone while sitting on an purple egg chair next to a man texting using his mobile phone with chat bubbles on top of them

Speedy applications

After a quick personal loan? Apply anywhere, anytime in minutes, without the hassle of a long application. Most people take 8 minutes.

Illustration of woman and man using a giant magnifying glass to look at a giant application form

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.

Illustration of man popping out of a laptop holding two duffel bags with dollar signs on them

Instant Cash

For most customers, we can have the cash in your bank within 60 seconds, once your contract has been signed.

Google Reviews

What Our Clients Say

Home Overall rating: 4.7 out of 5 based on 155 reviews.

Image of two women friends hugging

Very easy to deal with!

"Easy to follow instructions and very quick to respond to application. Cash was transferred promptly also. Simple and manageable payment plan with low interest rates and no hidden fees. Highly recommended”

Chris Martin

Jacaranda Customer

Thank you

"Did not think anywhere would give me a go due to my bad credit history. But thank god for Jacaranda Finance who helped me out when i need to get my car fixed.”

Korey

Jacaranda Customer

A Great Help!

"Thank you so much for recently helping me out with a loan!! I was able to buy Christmas presents for my 3 kids - a lot of other lenders weren't able to help me out. Thank you so much again!”

Donna Treseder

Jacaranda Customer

Australian Small Business Champion Awards 2019 Winner Badge

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.

How We Compare To The Competition

Jacaranda

12.00%

Credit24

47.04%

Nimble

47.61%

Swoosh

48.00%

Cash Converters

48.00%

Rates as at 01 March 2019, as per competitor websites. The above loan comparison based on platinum client rates only.

Illustration of a man's head with purple hair

Loan Criteria

Qualifying for a loan is simple

  • Be over 18 years of age
  • Receive a regular income
  • Have a direct contact number
Illustration of a glowing purple lightbulb

How It Works

Quick loans in 3 easy steps

  1. Submit application online
  2. We assess your application
  3. Money transferred upon approval

YES! Our loans are assessed based on affordability and suitability. So, just because you’re receiving a Government benefit, doesn’t mean you can’t get access to personal finance. You may also qualify for an unemployed loan.

In some cases, we may need to. Generally, this is for our new customers. Our highly trained operators are very discrete and would never disclose any personal information about you or your loan applications.

We are very transparent with the fees and costs associated with our loans. Please see our Costs page for more information.

If you fail to make a repayment when due under the contract, a $35 fee may be added to the balance of your loan.

Fast applications.

Quick outcomes.

Instant transfers.

APPLY NOW

Existing client?

Manage your loan

easily in one place

LOG IN

Our Rates

We never charge early repayment fees

Small Personal Loan

($300 - $2,000)

Platinum Tier

10%

Establishment Fee

1%

Flat Monthly Fee

52.99%

Comparison Rate

Gold Tier

10%

Establishment Fee

2%

Flat Monthly Fee

71.96%

Comparison Rate

Silver Tier

20%

Establishment Fee

4%

Flat Monthly Fee

138.37%

Comparison Rate

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 with the lender that finances your loan.

Medium Personal Loan

($2,000 - $4,600)

Platinum Tier

12.00%

Interest Rate (APR)

27.44%

Comparison Rate

$0.00

Application Cost

Gold Tier

20.00%

Interest Rate (APR)

35.99%

Comparison Rate

$0.00

Application Cost

Silver Tier

47.80%

Interest Rate (APR)

65.86%

Comparison Rate

$0.00

Comparison Rate

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 with the lender that finances your loan.

Large Personal Loan

($5,000 - $10,000)

Platinum Tier

12.00%

Interest Rate (APR)

17.44%

Comparison Rate

$0.00

Application Cost

Gold Tier

17.00%

Interest Rate (APR)

23.97%

Comparison Rate

$0.00

Application Cost

Silver Tier

21.24

Interest Rate (APR)

45.56%

Comparison Rate

$0.00

Application Cost

Our Blog

Need help?

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!

Illustration of a man's head with purple hair

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.

Illustration of a man's head with purple hair

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!

Illustration of a man's head with purple hair