Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.
Not sure how it works?
If you’re not sure how applying for a loan with Jacaranda Finance works, we’ve broken it down for you. We’re an online lender that specialises in lending to all Australians, anywhere, any time. If you need to borrow $2,500 to $15,000, we could have a loan to suit you.
Applying for a loan
Applying for a loan with us is quick and easy. We don’t like to make things difficult. Our 100% online application form can be completed within minutes, and you could have your outcome in the hour2. Plus, we provide instant transfers on approval, so you could have your cash in 60-seconds3. It’s that simple!
- 60-Minute2 Outcomes
- 100% Online
- Simple Application
- Quick and Easy
- Bad Credit OK
Get your cash in 60-seconds3 once approved
Two types of personal loans
Loan Type | Security Options | Loan Amount | Loan Term |
---|---|---|---|
Medium Loan | Secured and Unsecured | $2,500 to $4,600 | 12 to 24 months |
Large Loan | Secured and Unsecured | $5,000 to $15,000 | 12 to 24 months |
How do I get approved?
Start the application processApply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.
Apply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Am I eligible for a loan?
To qualify for a loan with Jacaranda you must:
- Be over 18 years of age
- Be an Australian citizen or permanent resident
- Have received a regular income (for the last 90-days)
- Have internet banking set up
- Hold a direct contact number and email address

What information do I need to provide?
To apply online with Jacaranda, we will need these from you:
- Personal details (i.e. name, address, D.O.B)
- Your phone number and email address
- 100 points of ID
- The reason for your loan
- Online banking and employment info
How Jacaranda’s personal loans work
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Last updated: 03/05/2022