When the banks say no, give us a go!

We can make loans happen when the banks won’t!

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Personal & Car Loans up to $25,000
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25-48 month terms
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Easy applications, same-day approvals2

Check If You Qualify

With no impact on your credit score!

Check If You Qualify

With no impact on your credit score!

*Subject to lending criteria, T's and C's'

*Subject to lending criteria, T's and C's'

Decorative graphic of a Wallet
Personal & Car Loans up to $25,000
Decorative graphic of a clock
25-48 month terms
Decorative graphic of a lightning bolt
Easy applications, same-day approvals2
Who are we

About Jacaranda

Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.

We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.

We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans.

Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.

Click here to learn more about what makes Jacaranda great!

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Years Helping People
OVER 5,000 REVIEWS

Trusted by 1,000s

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Need a bigger loan for some key expenses?

A Jacaranda Personal Loan has a maximum loan amount of $25,000. That’s up to 41 times more than other online lenders out there!

The image is for comparison purposes only and is accurate as of August 2024. Jacaranda’s maximum loan amount is based on our Secured Personal Loan. Wallet Wizard’s product is a continuing credit contract with a maximum credit limit of $8,000; Nimble’s is a personal loan with a maximum loan amount of $5,000; PayPal’s Pay in 4 is a buy now, pay later (BNPL) product with a maximum credit limit of $2,000, and Afterpay is a BNPL product with a starting credit limit of $600 for new customers. Afterpay’s credit limit can be increased based on repayment history. Different products have different loan sizes, and results may vary. See each product's T&Cs for more details.

borrow up to $25,000 and start your financial journey today
Select Your Product

Funds in 60s

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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.

Building Better Credit Starts Now

If you've been rejected by a bank, we have a range of tools and features that could help you improve your credit score and increase your chances of getting approved next time.

How to apply with Jacaranda Finance

We Make Applying Easy

If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. You can:

  1. Apply in just 5-12 minutes1
  2. Receive a same-day outcome2 on your application
  3. Get your money within 60 seconds3 if approved

Check if you qualify for one of our Personal Loans today!

Data security and privacy

We take your security seriously

We go above and beyond to protect your information and data in the Better Credit app.

Through bank-grade security, secure logins and 256-bit SSL data encryption, checking your credit score in the Better Credit app is completely safe.

See here for more information

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Frequently Asked Questions

Jacaranda Finance FAQs

Read some of our most frequently asked questions below to learn more about Jacaranda and our products.

Need a Hand?

Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you.

You can easily get in touch online or via the Better Credit app. Jacaranda's customer service team is available to chat six days a week, and services are available online 24/7.