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BetterCredit App
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Effortlessly manage your loans![]()
Easy access to customer service![]()
Make extra repayments & request statements and repayment date changes
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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, terms and conditions. See below for details.
Subject to lending criteria, terms and conditions. See below for details.
Award-winning lender
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 Finance 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 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 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 BetterCredit 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*.
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!
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 Finance, 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 Finance and our products.
Effortlessly manage your loans
