About Us

Learn more about Jacaranda's mission and vision

We’re responsible lenders

We believe most people are misrepresented financially and that 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.

Why does it matter?

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.

Our Mission

Jacaranda Finance is not just another loan company.

We care for our customers and will always be there for them for small hurdles and big moments.

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.

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The Jacaranda Promise

We promise to always:

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.

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

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.

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.

After your first loan, it is quicker and easier to apply again with us. We will also reward you for recommending us to your friends. Contact us today for more details you could earn up to $100 for every friend you refer (T&Cs Apply).

Our Details

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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.

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It's fast, free and secure

Image of man on the phone while woman catches dripping water with cooking pot
Image of man on the phone while woman catches dripping water with cooking pot

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 - $10000

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.

Image of two friends wearing sunglasses sitting on top of a van by the beach
Image of two friends wearing sunglasses sitting on top of a van by the beach

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

Fast applications.

Quick outcomes.

Instant transfers.

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Google Reviews

What Our Clients Say

About Overall rating: 4.7 out of 5 based on 155 reviews.

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Very easy to deal with!

"Easy to follow instructions and very quick to respond to application. Cash was transferred promptly also. Simple and manageable payment plan with low interest rates and no hidden fees. Highly recommended”

Chris Martin

Jacaranda Customer

Thank you

"Did not think anywhere would give me a go due to my bad credit history. But thank god for Jacaranda Finance who helped me out when i need to get my car fixed.”

Korey

Jacaranda Customer

A Great Help!

"Thank you so much for recently helping me out with a loan!! I was able to buy Christmas presents for my 3 kids - a lot of other lenders weren't able to help me out. Thank you so much again!”

Donna Treseder

Jacaranda Customer

Our Rates

We never charge early repayment fees

Small Personal Loan

($300 - $2,000)

Platinum Tier

10%

Establishment Fee

1%

Flat Monthly Fee

52.99%

Comparison Rate

Gold Tier

10%

Establishment Fee

2%

Flat Monthly Fee

71.96%

Comparison Rate

Silver Tier

20%

Establishment Fee

4%

Flat Monthly Fee

138.37%

Comparison Rate

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 with the lender that finances your loan.

Medium Personal Loan

($2,000 - $4,600)

Platinum Tier

12.00%

Interest Rate (APR)

27.44%

Comparison Rate

$0.00

Application Cost

Gold Tier

20.00%

Interest Rate (APR)

35.99%

Comparison Rate

$0.00

Application Cost

Silver Tier

47.80%

Interest Rate (APR)

65.86%

Comparison Rate

$0.00

Application Cost

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 with the lender that finances your loan.

Large Personal Loan

($5,000 - $10,000)

Platinum Tier

12.00%

Interest Rate (APR)

17.44%

Comparison Rate

$0.00

Application Cost

Gold Tier

17.00%

Interest Rate (APR)

23.97%

Comparison Rate

$0.00

Application Cost

Silver Tier

21.24

Interest Rate (APR)

45.56%

Comparison Rate

$0.00

Application Cost

Need help?

Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.