Access fast and reliable Personal Loans for life’s key expenses.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
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Flexible Personal Loans for any occasion.
Our Personal Loan product is a fast finance solution for temporary visa holders in Australia. We offer Personal Loans from $3,000 to $25,000, with loan terms ranging from 25-36 months.
Many of our customers are those who’ve been rejected by other lenders, often for no other reason than being a temporary resident of Australia.
At Jacaranda Finance, we understand that living, working and building your life in Australia can be challenging. That’s why we welcome applications from select sub-classes of Temporary Visa Holders.
You are eligible to apply if you hold a temporary visa in one of these subclasses:
| 100 | 103 | 115 | 116 | 124 |
| 132 | 143 | 151 | 155 | 157 |
| 186 | 187 | 188 | 189 | 190 |
| 191 | 461 | 482 | 489 | 491 |
| 494 | 801 | 804 | 835 | 836 |
| 858 | 864 | 887 | 888 | 890 |
| 891 | 892 | 893 |
Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.
Once you know what you can afford in your budget, use our loan repayment calculator to estimate your repayments before you apply.
Ready to Apply? You can get started now.Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
Am I eligible for a Loan with Jacaranda Finance?
You must meet the following basic eligibility criteria before submitting an application:
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.
Click here to learn more about what makes Jacaranda Finance great!
How to apply with Jacaranda Finance.
Our loan application process for an Express Personal Loan has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. You can:
To be assessed for a loan from Jacaranda Finance, you must meet the following basic eligibility criteria:
If you are unsure whether you’re eligible, you can check if you qualify with no impact on your credit score*.
Yes, some visa holders are eligible to apply for a loan with us.
Our eligibility criteria requires you to be an Australian citizen, permanent resident, or the holder of a temporary visa in one of our eligible visa subclasses.
Eligible Visa Subclasses Include:
Family and Partner Visas
100, 103, 115, 116, 124, 143, 801, 804, 835, 836, 864
Skilled and Work Visas
132, 151, 155, 157, 186, 187, 188, 189, 190, 191, 461, 482, 489, 491, 494, 887, 888
Specialised and Other Permanent Visas
858, 890, 891, 892, 893
Your visa details will be verified once your application has been submitted, as part of our standard credit assessment process.
Ready to get started? Click here and apply now.
A personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence.
Applying is Quick & Easy
Ready to get started? Apply now.
By submitting a full application for a personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you.
How to check if you qualify for a secured personal loan?
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
No, checking if you qualify uses a “soft” credit check meaning it does not impact your credit score or appear on your credit file to anyone but you. We recommend checking your eligibility before applying for a loan where possible to reduce the number of applications on your credit report.
We offer two main products at Jacaranda Finance:
For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.
Using our loan repayment calculator you can estimate your repayments before applying.
Missed Payment Fees
For every missed payment, a fee will be applied. This cost is added to the account balance and can be paid with the next repayment cycle. If you’re concerned you’ll miss a repayment before the next due date, please contact our customer support team as soon as possible.
You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.
Once you’ve been approved and have accepted your loan contract, we’ll automatically attempt to release the money to your account. Most customers get paid in 60 seconds3.
$3,000 - $25,000
