Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
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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.


We're so much more than a lender

We believe most people are misrepresented financially and that current lending models aren't sustainable

Current lending models aren't sustainable?

What does that mean?

The way that we earn and spend money has changed. People find it difficult to predict their spending, and it difficult to tell what will be left over at the end of the month. Traditional lenders aren’t able to accurately capture what we’re all getting in and spending each month and often say no to good applications, lend to people who actually can’t afford their loans.

Who cares?

Well, you should. Irresponsible lending creates two things - a bad reputation for this industry and desperate people ending up in situations they can’t get out of. Traditional lenders ask for the basics, and get you to assume what you spend. We make sure we know exactly what’s coming in and going out and that you only get what you can afford. Yep, we’ll even track that Netflix bill and we’ll do it all without you having to lift a finger.

Sometimes you need a little cash to see you through.

We understand that you needed it yesterday.

We also understand that the money you borrow today can affect you down the line, which is why we’re committed to helping you carve out a future of financial wellness.

We offer super-fast, same day loans from $300 - $4,600.

We’ve built backend systems that speed up and verify the boring part so we can focus on what matters - getting you your money.

That’s where we are different; we take the positives out of traditional and modern day lending to approve more loans quicker. We offer one of the quickest Personal Loan services in the country. Most of our clients have an outcome on their Personal Loan application within 1 hour of submitting the completed loan application.

Personal Loan Repayment

Unlike a Payday Loan or a Cash Advance, our Personal Loan repayment period gives you some breathing space while repaying. This means your repayments will be lower and, in most cases, more affordable. We don’t charge a processing fee if you are unsuccessful with your loan application, nor do we charge an early settlement fee if you pay off your loan early. We're proud of our local heritage and embody what it means to be Australian. We're homegrown, down-to-earth and always try to look on the bright side. We’re here to help - it’s as simple as that.

Our aim, regardless of the outcome of your loan application, is to help you move forward in life. Regardless of where you are in your life, know that you'll be welcomed at Jacaranda Finance and treated with the same respect and care that we would a dear friend in need. We're aware of the stigma attached to our industry, and use transparency, honesty and damn good service to prove that we are the lender for you and, we always try to imagine ourselves in your shoes - be they thongs, work boots or high heels




Our Mission

Our mission is to provide Australians with a solution to a short-term cash flow shortfall.

We achieve this by using our quick and efficient processing techniques whilst complying with responsible lending practices.

We are completely transparent about our fee’s and charges, therefore customers know exactly what they need to repay and when.


Our Details

Jacaranda Finance is licensed by the Australian Securities and Investment Commission (ASIC) and is a member of the Credit Ombudsmen’s Service.

Our Australian Credit License number is 456404. Our ABN is 53 162 078 195.

The Jacaranda Promise

We will always be transparent

There can be no trust without transparency. We will always show you the total cost of a loan up front, as well as all the fees and charges associated with a Jacaranda loan. Nothing is ever hidden.

We will always act ethically

Our aim is to make your life a little easier. We will always act in a fair and reasonable manner and be consistent and ethical.

We will always be fast and easy

We utilize the best technologies and procedures to deliver you with a fast and informed decision about your application.

We will always be super serious about security and privacy

We only ask you to provide information we absolutely require, and we make sure that information is always safe. Feel free to browse through our Privacy Policy to see where we stand when it comes to privacy.

We will always be available

If you strike financial hardship and are going through a tough time, we can help. Our highly trained customer service operators are friendly and easy to deal with. They will always be happy to help where they can.

We will always look after loyal customers

After your first loan, it is quicker and easier to apply again with us, although each loan is subject to assessment, in case your circumstances have changed. We love recommendations – contact us to learn how you can benefit from referring friends to Jacaranda.