1300 189 823

Welcome to Jacaranda Finance,

Quick Personal Loan Specialists

What does Jacaranda Finance do?

We are 100% online.

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*.

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. If your Personal Loan application is approved, we release the funds within 60 minutes of receiving your digital contract back. Most people have the money within 60 minutes, but sometimes it may take longer depending on your bank or if you applied after 3pm on a business day or after office hours. 

  • 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. In most cases, there is no need to submit any paperwork with your application making the whole process as quick and easy as possible. Give it a go.

  • We are quick Personal Loan specialists

    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. This means your repayments are generally smaller than the Payday loans you may have used in the past. In many cases we are able to approve a higher loan amount suited to your needs, as our repayments are spread out over a longer time frame. A Jacaranda loan can be paid out at any point with no additional payout fee.

  • 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. They pride themselves on providing the best customer service possible throughout the whole Jacaranda experience. We see transparency as a key factor in a business transaction. Our services are aimed at making your life a little easier, not a lot harder.  

  • 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. Our specially trained assessment team will look at factors beyond your Credit History. We will do an assessment on your application providing your current financial situation is good, and our assessment deems that the loan will not be unsuitable for you.

  • 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. There is no obligation to take us up on an approved loan. If you are not happy with what is on offer you may withdraw your request at no cost. 

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.

To qualify for one of our Personal Loans, you must:
  • Be over 18years of age
  • Receive a regular income into a personal bank account for at least 90days
  • Receive at least $400 per week or $800 per fortnight income
  • Be an Australian resident, or have permanent residency
  • Have a direct contact number
You will not qualify for a personal loan if:
  • You have received an Emergency payment from Centrelink in the last 90 days
  • You are experiencing financial hardship or dealing with a financial counsellor in the past 12 months
  • You have not received a regular consistent income into your personal bank account for at least 90 days

Need some more help?

  • 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 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 Amounts: Minimum $400 to Maximum $2,000.
  • Terms: Minimum 16 weeks to Maximum 50 weeks.
  • Costs: Up to 20% Establishment Fee charged upfront plus a 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(%).
  • Example: 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 Amounts: Minimum $2001 to Maximum $4,600.
  • Terms: Minimum 13 months to Maximum 24 months.
  • Costs: 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.
  • Example: Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount)+ $400 (Establishment Fee) + $1378.87 (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.


How customers rate Jacaranda Personal Loan

Home Overall rating: 4.8 out of 5 based on 55 reviews.

Very greatful & super appreciative

5 5 1
Easy, fast responding, with helpful staff that made things easy at a time when nothing else was. Also very well explained. Would recommend to all!

Thank you

5 5 1
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.

A Great Help!

4 5 1
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!


5 5 1
Impressive service guys. As Arnie says, i'll be back!


5 5 1
Fast great n hoping that you guy are able too help me in my time of need


5 5 1
Amazing customer service; easy to apply and quickly contacted!
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