Who are we
About Jacaranda Finance
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 Finance great!
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Aussies Helped With A Loan
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Over 5,000 reviews
Trusted By 1,000s
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Excellent 5 STAR customer service and always available with a quick response.
Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.
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Super easy and fast system, applying was seamless and money was instant!
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.
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How our application process works
We Make Applying Easy
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.
That’s why our loan application process has been perfected over time to be as simple and quick as possible. Have a read of how our easy loan application process works from start to finish to see how quickly you could get the funds you need.
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Loan Repayment Calculator
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.
2.
I'd like to borrow: $8,500
Please note that loans exceeding $10,000 or with Loan Terms of 36 months will require security in the form of a registered motor vehicle you own.
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Estimated per
* Repayment Disclaimer
*Please consider: The example repayment is an estimate based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.
Interest Rate
16.95% - 29.95%
Comparison Rate**
32.99% - 46.50%
Total Repayment
Including Interest & Fees
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** Comparison Rate Warning
The comparison rate is based on $10,000 over 36 months. 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.
Ready to Apply? You can get started now.
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Check if You Qualify – Without Affecting Your Credit Score
If you're looking to apply for a loan but you’re worried about how it'll affect your credit score, no stress! At Jacaranda Finance, you can check if you qualify first, and your credit score won't be impacted.
If you meet our eligibility criteria, we'll let you know on the spot. You can then choose to submit an application, which will involve a hard credit check and may impact your credit score.
If you don't qualify, your application will be declined without a hard credit check being conducted.
Learn more about this feature.
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Apply Online or Via Our BetterCredit App
As an exclusively online lender, we only accept loan applications via our BetterCredit mobile app or our online application form. We do not accept applications over the phone or in person.
But the good news is we make it super easy in both.
Click the links above to download our app from either the App Store or Google Play. Alternatively, click 'Get Started' to begin your application on our website.
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Get Started in Minutes1
An initial application with Jacaranda Finance can be completed in as little as 5-12 minutes1. But if you’d prefer to take your time, you can fill in the application at your own pace from anywhere in Australia on any device as long as you have internet.
Being a 100% online lender, you may submit an application with Jacaranda Finance 24/7, 365 days a year.
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Get a Same Day Outcome2
Looking to find out if you’ve been approved quickly?
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
If we need any further information from you, we’ll be in touch promptly. Most customers get a same-day outcome if they provide the required documentation by 3pm Australian Eastern Standard Time (AEST).
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Funds Transferred in Just 60-seconds3
Once you've been approved and accepted our offer by signing your digital contract, we will automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
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$3,000 - $25,000
