Read all about who we are, our mission, and how we can help you.
Every year, banks reject millions of everyday Aussies who need to borrow money.
Often, it’s because their credit score isn’t high enough. But that’s an unfair assessment since credit scores don’t tell the whole story of your current and recent financial behaviour.
That’s why we do things a little differently at Jacaranda Finance. So, if rejection happens to you, give us a go.
We're an Australian-owned, fully online digital lender dedicated to providing fast, flexible and fair personal and car loan assessments.
Our mission? To be the backup lender of choice for everyday Australians when your bank says no.
We began in 2014 with a simple vision – to support the millions of everyday Australians who are being failed by a traditional lending system that isn't fast, simple, responsive, or customer-focused.
Unlike the banks, which focus chiefly on your credit score, we understand that this one figure doesn’t capture the full picture of your ability to service a loan. Instead, we use our custom-designed Edge Score to create a fuller, more accurate picture of your financial behaviour by reviewing up to a year’s worth of bank statements.
It's an approach that has paid dividends. During the past decade, we’ve been able to help hundreds of thousands of customers satisfy their lending needs. Growing from a small operation to a national team, we’re now one of the highest-rated consumer lenders in the country, and we have numerous awards and accolades to our name.
We continue to raise the bar on what fast, simple, and convenient finance should look like and have also extended our focus to helping customers build a better financial future with our education tools.
We’re your credible backup plan when the banks say no and your trusted partner in unlocking better financial opportunities – for now and the future.
When it comes to reputation, we say don’t just take our word for it. We’re proud to have been recognised by some of Australia’s most credible awards, including the judging panel at consumer-driven powerhouse Productreview.com.au, which named Jacaranda Finance one of the Top Performing Personal Loans of 2024!
Jacaranda Finance proudly supports a range of charities and philanthropic organisations, both in our hometown of Brisbane and across Australia. In 2024, to give one example, we became the first official sponsor of Make March Purple, an annual Australia-wide campaign supported by epilepsy organisations across the country.
We also give each employee a day of charitable leave each year to ‘spend’ on a cause close to their heart.
Not all banks or bank accounts are PayID enabled. To find out more information about PayID and how it works, please visit https://payid.com.au/ or contact your bank.
If you've been rejected by a bank, we have a range of tools and features that could help you improve your credit score and increase your chances of getting approved next time.
Credit scores updated monthly.
Check your credit score for free with Jacaranda. Monitor your score every month and know where you stand to unlock new financial opportunities in the future.
Download the Better Credit app or log in online and follow the prompts to check your credit score today.
Credit scores updated monthly.
Check your credit score for free with Jacaranda. Monitor your score every month and know where you stand to unlock new financial opportunities in the future.
Download the Better Credit app or log in online and follow the prompts to check your credit score today.
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Read some of our most frequently asked questions below to learn more about Jacaranda and our products.
