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.


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 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.

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 Better Credit 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 Better Credit 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 Better Credit 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 Better Credit 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 Better Credit App

Our Better Credit 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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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.