Perks Of Being A Jacaranda Customer

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.

Check If You Qualify

With no impact on your credit score!

Check If You Qualify with no impact on your credit score!

*Subject to lending criteria, T's and C's'

*Subject to lending criteria, T's and C's'


Don’t just take our word for it: our loans have been recognised by Productreview.com.au as one of the Top Performing Personal Loans of 2024!

Loan Purposes

Loans for any occasion

We know that personal finance isn’t a one-size-fits-all solution, which is why we offer multiple different products that can be used for life’s key expenses - expected & unexpected.

Since 2014, we’ve funded hundreds of thousands or loans and helped countless Aussies get the money they need when they need it.

Whether it’s to consolidate some debts, buy a car, book those flights or fund a renovation, we could have the right loan for you.

  • Home Improvement

    From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.

  • Car & Vehicle Repairs

    When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!

  • Rental Bond & Moving

    Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.

  • Appliances & Furniture

    New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.

  • Debt Consolidation

    Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.

  • Holidays & Travel

    Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.

  • Wedding Loans

    Whether it’s for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day.

  • Medical Bills

    You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

  • Dental

    Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.

  • Pet & Vet Bills

    Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda could have a loan to suit you.

  • Home Improvement

    From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.

  • Car & Vehicle Repairs

    When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!

  • Rental Bond & Moving

    Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.

  • Appliances & Furniture

    New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.

  • Debt Consolidation

    Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.

  • Holidays & Travel

    Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.

  • Wedding Loans

    Whether it’s for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day.

  • Medical Bills

    You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

  • Dental

    Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.

  • Pet & Vet Bills

    Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda could have a loan to suit you.


Fast applications, no paperwork

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 FastMoney 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.

Same-day outcomes & near-instant transfers

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!

Learn more about how our application process works.


Boost your credit score Comprehensive Credit Reporting (CCR)

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 may be able to improve your credit score and unlock greater financial opportunities in the future!

Learn more about how Comprehensive Credit Reporting can help you improve your credit score with Jacaranda here.

Check credit score perks

Check your Credit Score
New!

Jacaranda customers can now check their credit score for free every month. Monitor your score and know where you stand to unlock new financial opportunities in the future.

Download the FastMoney app using the links below and follow the prompts to check your credit score today. This feature is currently only available to existing Jacaranda Finance customers.

Learn more about Credit Score Check.


  • Financial Expertise
    Financial education at your fingertips

    Our 'Finance Fundamentals' courses within the FastMoney app allow you to test your knowledge of core finance subjects such as credit. If you’re not yet a customer or don’t have an active loan with us, you can still unlock features reserved for customers, mainly the ability to check your credit score.

    Watch this space for when this feature is available - coming soon.

  • Customer Service
    Outstanding customer service

    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, and you’ll speak to a real, friendly person who’s eager to help. Every time!

    Get in Touch With Us Here

  • No Hidden Fees
    No hidden fees

    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.

    Check out our rates and fees page for more information.

  • Cooling-off
    48-hour cooling-off period

    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

  • Financial Expertise
    Financial education at your fingertips

    Our 'Finance Fundamentals' courses within the FastMoney app allow you to test your knowledge of core finance subjects such as credit. If you’re not yet a customer or don’t have an active loan with us, you can still unlock features reserved for customers, mainly the ability to check your credit score.

    Watch this space for when this feature is available - coming soon.

  • Customer Service
    Outstanding customer service

    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, and you’ll speak to a real, friendly person who’s eager to help. Every time!

    Get in Touch With Us Here

  • No Hidden Fees
    No hidden fees

    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.

    Check out our rates and fees page for more information.

  • Cooling-off
    48-hour cooling-off period

    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


Flexible repayments

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.

As a responsible lender, we don’t charge any fees for making extra loan repayments or for paying out your loan early.

To make fee-free extra loan repayments with Jacaranda, simply log into your account via our FastMoney app or online portal. There, you can make extra repayments either as a one-off or regularly. It’s easy and fast!

Read more: Extra Loan Repayment Pros and Cons

Flexible repayments

Do it all from the FastMoney App

Our FastMoney mobile app lets you easily apply for and manage your loan; make extra repayments; check your loan balance; contact our customer service team; check and monitor your credit score’s progress, and more!

The app is free to download from both the App Store and Google Play. So if you haven’t yet, download it using the links below and follow the prompts to apply.

FM app

Borrow Better Today, For a Brighter Tomorrow

Trusted by 1,000s

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Show the About Reviews modal About Reviews
  • It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to - See More
    It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much. - See Less
  • Super easy and fast system, applying was seamless and money was instant!
    Super easy and fast system, applying was seamless and money was instant! - See Less
  • Fast, reliable service had money in acc same day
    Fast, reliable service had money in acc same day - See Less
  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
  • Brilliant service and quick action during application process the best there can be when it comes to quick loans.
    Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
  • Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. - See More
    Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! - See Less
  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More
    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
  • Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and - See More
    Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you. - See Less
  • Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up - See More
    Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. - See Less

frequently Asked

Jacaranda Finance FAQs

Want to know more? Read some of our most frequently asked questions to learn more about Jacaranda and our products.