available now
We want to help everyday Australians improve their credit scores and unlock new financial opportunities.
Jacaranda Finance: We can help when the banks won’t.
We are 100% devoted to improving Australians' credit scores and helping them understand how credit works. The Better Credit app makes it completely free to check your credit score and monitor its progress over time. Doing this could unlock new financial opportunities in the future!
You can use the Better Credit app whether you’re a Jacaranda Finance customer or not. If you're new to Jacaranda, you can still create an account to start tracking your credit score and take our handy Finance Fundamentals course to test your knowledge.
If you already have a loan with Jacaranda, you can use the Better Credit app to effortlessly manage your loans, track payments, access account details, and stay informed on important updates—all conveniently at your fingertips. It also gives you easy access to one of our friendly customer service team members, who are happy to answer any questions you might have.
So what are you waiting for? Get the app today!
Not only can you check your credit score for free with the Better Credit app, but you can also:
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 great!
Been rejected by your bank? Don’t stress. We can help make loans happen when the banks won’t. We also have a range of tools and features to help you understand and improve your credit score – enhancing your chances of approval next time around.
It’s quick and easy to download the BetterCredit app and check your credit score. Simply head to the Apple or Google Play stores - linked below - and start your download.
Alternatively, you can log in right here and proceed to step 2
If you’re an existing customer with Jacaranda Finance, simply login to your account using the app or online in the customer portal.
If not, you can create an account in no time! We’ll ask you to verify your ID before you can complete this step.
Once you’re in, you should see an option to ‘Track Your Credit Score For Free’.
In the BetterCredit app or customer portal, hit ‘Track My Credit Score’ to grant us access to your credit file via an access seeker check.
Don’t worry: this is a ‘soft credit enquiry’ and won’t appear on your credit report to other lenders. It won’t affect your credit score in any way.
That’s it! You should now be able to check and monitor your credit score and its progress in the BetterCredit app dashboard.
Your score will be updated in the app on a monthly basis.
We go above and beyond to protect your information and data in the Better Credit app.
Checking your credit score in the Better Credit app is completely safe, thanks to bank-grade security, secure logins, and 256-bit SSL data encryption.
We utilise the same security standards as Australia’s banks and regularly test our security.
Your account is protected with passwords, verification and biometric logins, and we continuously monitor for suspicious activities.
All your data is safely secured with 256-bit SSL encryption.
Your banking login details are never stored on our servers.
While we may supply credit information to bureaus when
you apply, when checking your credit score, we will never sell your personal data to third parties.
Please see our Privacy Policy regarding loan applications as different terms may apply.
Our team will immediately contact you over any security concerns, but you can contact them first if you need to.
Read some of our most frequently asked questions below to learn more about Jacaranda and our products.
No, downloading and logging in to the Jacaranda Finance app will not cost anything.
You can download the Jacaranda Better Credit app for free from the Apple and Google Play stores.
If you’re considering applying for finance with Jacaranda, you can check if you qualify in a way that does not affect your credit score.
Checking if you qualify
When you check if you qualify, we can access your credit file in a way that does not impact your credit score and that is not disclosed to anyone other than yourself. If you have alerts set up on your credit file, you will get a notification. This is called 'file access', and is different to a 'full credit enquiry'.
Submitting your loan application
Once you have checked if you qualify, and in the case that you do qualify, you have the option to submit your application to Jacaranda to perform a credit assessment. By submitting a full application, you authorise Jacaranda Finance Pty Ltd to obtain a copy of your full credit file. Other lenders will be able to see that you applied for a loan with Jacaranda.
Information we provide to Credit Reporting Bureaus
While we receive information from credit reporting bodies, we also advise them about your repayments. This is a good thing because other credit providers will be able to see your repayment history with Jacaranda. If you're making all of your repayments to us on time, this could positively impact your ability to get credit in the future.
For more information on your credit report and credit score, visit CreditSmart's website. You can also contact our customer service team if you have any further questions about how your credit score can be impacted by applying for one of our loans.
It’s quick and easy to download the BetterCredit app and check your credit score. Simply head to the Apple or Google Play stores - linked below - and start your download.
Alternatively, you can log in right here and proceed to step 2
If you’re an existing customer with Jacaranda Finance, simply login to your account using the app or online in the customer portal.
If not, you can create an account in no time! We’ll ask you to verify your ID before you can complete this step.
Once you’re in, you should see an option to ‘Track Your Credit Score For Free’.
In the BetterCredit app or customer portal, hit ‘Track My Credit Score’ to grant us access to your credit file via an access seeker check.
Don’t worry: this is a ‘soft credit enquiry’ and won’t appear on your credit report to other lenders. It won’t affect your credit score in any way.
That’s it! You should now be able to check and monitor your credit score and its progress in the BetterCredit app dashboard.
Your score will be updated in the app on a monthly basis.
We utilise the same security standards as Australia’s banks and regularly test our security.
Your account is protected with passwords, verification and biometric logins, and we continuously monitor for suspicious activities.
All your data is safely secured with 256-bit SSL encryption.
Your banking login details are never stored on our servers.
While we may supply credit information to bureaus when
you apply, when checking your credit score, we will never sell your personal data to third parties.
Please see our Privacy Policy regarding loan applications as different terms may apply.
Our team will immediately contact you over any security concerns, but you can contact them first if you need to.
$3,000 - $25,000
