*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Here’s how we keep it fast, simple, and fully online — no paperwork, no fuss.
Apply through our website or the Better Credit app anytime, 24/7. If you’re a returning customer, log into your account for an even faster experience. Most applications take just 5-12 minutes1.
If we need more information, one of our friendly assessors will be in touch. Just upload the requested documents, and we’ll get back to you with your outcome — usually the same day.
Once approved, we’ll send your digital loan contract to sign. After that, your funds can land in your account in as little as 60 seconds3Â
99% of our customers receive a same-day outcome — because we know you don’t have time to wait. While banks can take up to a week (or just say no), we use a smarter, faster way to assess your situation.
Our award-winning system looks beyond your credit score, using your real bank statement data to find a path to yes — even if your bank couldn't.
And when it comes to your privacy, we take it seriously. We use bank-level security and 256-bit encryption to keep your data safe.
See if you qualify in minutes — with no impact on your credit score.
We look beyond the usual roadblocks to help more Australians access fair, fast, and flexible loans — even when the banks won’t.
Apply by 3:00pm with everything we need, and you’ll get your loan outcome that same day2 — simple as that.
No waiting, no wondering. Just clarity and speed when you need it most. Most banks take days to respond. Thanks to our clever tech, we move in hours — because your time matters.
We know you’re more than a credit score — and sometimes life doesn’t fit inside a bank’s checklist.
That’s why we take a different approach. By securely reviewing your recent bank statements, we build a clearer picture of your financial situation — one that gives you a real shot at approval.
It’s a fairer way to assess, and a faster way to move forward.
If you’ve got a car, you could use it as security to unlock bigger benefits. Our secured personal loan gives you access to up to $25,000, longer terms of up to 36 months, and across most of our risk profiles a 2% lower interest rate compared to our unsecured option. It’s the smartest way to borrow when you want more flexibility, more funding, and less interest.
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.
Your privacy matters — and we treat your data like it’s our own. Every application is protected by bank-grade security, secure logins, and 256-bit SSL encryption. When we review your bank statements, it’s read-only access — we can’t move, change, or touch anything. We only view your data.
You stay in control, and your information stays safe with us.
See here for more information >Am I eligible for a Loan with Jacaranda?Â
You must meet the following basic eligibility criteria before submitting an application:
Read some of our most frequently asked questions below to learn more about Jacaranda and our products.
$3,000 - $30,000
