About Us

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We're so much more than a lender

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

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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.

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 - $10,000.

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.

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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

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Welcome to Jacaranda Finance

Quick Personal Loan Specialists

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Fast & Safe Loans

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.

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The Jacaranda Promise

I - 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.

II - 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.

III - 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.

IV - 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.

V - 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.

VI - We will always look after loyal customers

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).

Small Personal Loan

Loan Amount

Minimum
$300


Maximum
$2,000

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Terms

Minimum
12 Months


Maximum
12 Months

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Costs

Up to 20% Establishment Fee
+ monthly fee up to 4%

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest. The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

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
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Examples

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

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Medium Personal Loan

Loan Amount

Minimum
$2,100


Maximum
$4,600

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Terms

Minimum
13 Months


Maximum
24 Months

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Costs

Annual Percentage Rate (APR) is 48%
Comparison Rate is 67.41% per annum.

This comparison rate is based on a medium amount credit contract of $2,500 repaid over 2 years with a $400 establishment fee and APR of 48%.

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
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Examples

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest*) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest*) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

* Reducing intertest means that the 48% APR is applied to the outstanding balance on a loan. When a loan repayment is made, the loans outstanding balance goes down and the APR is applied to that lower balance. Therefore, the interest component of the loan will constantly reduce (as long as repayments are being made!) - thus it is called reducing interest.
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Large Personal Loan

Loan Amount

Minimum
$5,000


Maximum
$10,000

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Terms

Minimum
13 Months


Maximum
24 Months

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Costs

Annual Percentage Rate (APR) is 21.24%
Comparison rate is 48% per annum.

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
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Examples

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

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