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.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Word of Mouth - 2016 Service Award



Fast Approvals

Quick Turnarounds & Decisions

Application outcomes within 60 minutes

Only a 4 minute application

How it works

It’s really simple and easy!

Why choose us

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 6pm Monday to Thursday, 8am to 4pm 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(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal 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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Why choose us?

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!

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 what you’re looking for is 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 offer small unsecured personal loans and secured loans. You can borrow anywhere between $300 to $2,000 for unsecured personal loans and $2,001 to $4,600 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 your 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 you are borrowing 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!

So, what are you waiting for? Let’s get started!

What our clients say

Home Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

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