We can help when the banks won’t.
We're more than just a lender. We’re here to empower you to take control of your finances, your credit score, and your future.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
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!
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!
We know that personal finance isn’t a one-size-fits-all solution, which is why we offer flexible loan amounts to help you cover a wide range of needs, both expected and unexpected.
Since 2014, we’ve funded hundreds of thousands of loans and helped countless Aussies get the money they need when they need it.
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork. That’s why our loan application process has been perfected over time to be as simple and quick as possible.
You can complete an initial application in as little as 5-12 minutes1, and it can be done 100% online or in our Better Credit app!
What’s more, you can first check if you qualify for one of our loans in a way that does not impact your credit score at all.
Most customers who complete an application with us during business hours can get an outcome on the same day2. If your application is successful and you accept your digital loan contract, we can then transfer your funds in just 60 seconds or less3!
The big banks tend to think of their customers as just numbers. Sometimes this can be literal when it comes to credit scores! But at Jacaranda, you’re more than just a number, and our main focus is to help Australians improve their credit scores.
One major way we do this is through Comprehensive Credit Reporting (CCR). CCR means we can provide a more complete picture of your recent credit history to the credit bureaus. This includes any on-time repayments you make, which isn’t the case for lenders who don’t participate in CCR.
By taking out a loan with us and making each of your repayments on time, you could improve your credit score and unlock greater financial opportunities in the future!
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.
Register with us to unlock access to our comprehensive online course that will guide you through the essentials of all things finance, loans and credit scores.
Start your journey to better credit today with Finance Fundamentals!
While our interest rates are fixed, your repayments aren’t set in stone. We will specify a minimum repayment amount in your loan contract, but you can choose to make extra repayments above this amount if you wish. The more you pay, the less you owe, and the less interest you’ll pay.
We don’t charge any fees for making extra loan repayments or for paying out your loan early.
We pride ourselves on our exemplary customer service at Jacaranda Finance for both customers and non-customers. Our customer service and assessment teams are available six days a week. Services are available online 24/7.
At Jacaranda, we don’t believe in sneaky hidden fees: what you see is what you get. Our loans are transparent in their costs, and everything will be clearly explained to you in your loan contract before you sign.
Changed your mind? Not to worry! We offer a 48-hour cooling-off period for all loan products. Anyone unsatisfied with their loan for any reason can return the total principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan.4
If you're looking to apply for a loan but you’re worried about how it'll affect your credit score, no stress! At Jacaranda Finance, you can check if you qualify first, and your credit score won't be impacted.
If you meet our eligibility criteria, we'll let you know on the spot. You can then choose to submit an application, which will involve a hard credit check and may impact your credit score.
Want to know more? Read some of our most frequently asked questions to learn more about Jacaranda and our products.
$3,000 - $25,000
