It's quick and easy!

How to Apply

  • Download our app or visit our website
  • Apply in minutes1 - simple and fast application process
  • 100% online

Thinking about applying for a loan but aren't sure where to start? We can help you there.

Have a read of how our easy loan application process works from start to finish to see how quickly you could get the funds you need.

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You can now check your eligibility,
with no impact on your Credit Score!
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4.9/5
2,780+ Reviews
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4.9/5
Google Rating
2,780+ Reviews
4.8/5
Word of Mouth
880+ Reviews
4.7/5
Product Review
1,950+ Reviews
4.9/5
Trustpilot
1,020+ Reviews

Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 23/02/24

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How our application process works

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At Jacaranda, we're an innovative, 100% online lender specialising in providing fast, flexible finance for everyday Australians. We know you don't have time to waste on lengthy applications.

How our application process works

1. Estimate your repayments online

Before you apply for a loan, we think it's important that you review your budget and be certain that you can comfortably repay a loan.

Use our three-step loan repayment calculator to estimate your repayments before you apply.

Learn more about how our calculator works here.

2. Check if you qualify - without affecting your credit score

Want to see if you're actually eligible for one of our loans before actually submitting an application? Thanks to our 'QualifyCheck' feature, you can check if you qualify for any Jacaranda loan without affecting your credit score.

When you check if you qualify, we can access your credit file in a way that does not impact your credit score and that is not disclosed to anyone other than yourself. If you have alerts set up on your credit file, you will get a notification. This is called 'file access', and is different to a 'full credit enquiry'.

If you don't qualify, your application will be declined without a hard credit check being conducted.

3. Apply online or via our FastMoney app

As an exclusively online lender, we only accept loan applications via our FastMoney mobile app or our online application form. We do not accept applications over the phone or in person.

Click the links above to download our app from either the App Store or Google Play. You can also learn more about how the FastMoney app works here.

Alternatively, click 'Get Started' to begin your application on our website.

4. Get started in minutes1

An initial application with Jacaranda can be completed in as little as 5-12 minutes1. More broadly, applying for a loan with Jacaranda Finance takes most people between 5-12 minutes1, but it could take longer depending on a number of factors such as, but not limited to, how fast you are at typing or if you have all the required information on hand.

Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.

5. Get a fast outcome on the same day2

For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 you apply during normal business hours, provided you apply before 3 pm AEST.

If you pass the credit assessment and we can assist you, we'll send a loan offer for you to review.

We do not guarantee same-day outcomes for all customers. Customers that apply outside of business hours, customers that apply after 3 pm during normal business hours or customers that are required to provide additional information may experience a longer timeframe.

6. Funds transferred in 60-seconds3

Once you've been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money within 60 seconds.3

You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.

See also: Weekend Loans.

7. Changed your mind?4

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 purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, the seller or Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.

10000-loan-2

At Jacaranda, we're an innovative, 100% online lender specialising in providing fast, flexible finance for everyday Australians. We know you don't have time to waste on lengthy applications.

THE APPLICATION PROCESS

We Make Applying Easy

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.

It's easy with Jacaranda's FastMoney app

FastMoney app

Whether you're not yet a Jacaranda customer looking to apply for a new loan, or you're an existing customer and want to manage your loan more easily, our FastMoney app is for you.

With our mobile app, you can:

  • Apply for a loan (or top up your existing loan) in just 5-12 minutes1;
  • Receive a same-day outcome2 on your application and 60-second transfers to your bank account if approved3;
  • Check your loan balance and loan contract;
  • Make extra repayments;
  • Request loan statements;
  • Request to change your repayment dates and frequency (weekly, fortnightly, monthly);
  • Quickly contact our customer service team for anything you need

So what are you waiting for? Download the app on the Google or Apple store today.

FastMoney app
See all FAQs

Jacaranda Finance Loan Application FAQs

Want to learn more about our loans and how they work? Find out all the answers to our most common questions here. As we're an online-only lender we don’t accept applications over the phone, but we more than make up for it with our fast and simple online application process.

Jacaranda offers three loan products with varying loan amounts that you could borrow:

For detailed information about who our products are designed for, please review our Target Market Determinations.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.

The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria and the loan product, loan amount and loan term you qualify for.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.

The basic eligibility criteria you must meet before submitting an application:
  • Be at least 19 years of age.
  • Be employed on a permanent or casual basis.
  • Have a consistent income going into your own bank account for the last 90 days.
  • Be in control of your finances and be handling existing financial commitments comfortably.
  • Be an Australian citizen or permanent resident with a fixed address.
  • Have an active email address, phone number, and online banking account in your name that belongs to you.

We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:

  • You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
  • You are not comfortably repaying your existing financial obligations

We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.

Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.

We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.

There are four credit reporting bodies that we may use to conduct a credit check:

  • Equifax
  • Experian
  • illion
  • Talefin

Review our Privacy Policy for more information.

The good news is, being a 100% online lender, you may submit an application with Jacaranda 24/7, 365 days a year. You can apply in as little as 5-12 minutes1 via our online application form or FastMoney app.

If you need assistance or can't find the answers to your questions before you decide to apply, simply contact our customer service team during normal business hours, and they will be happy to assist you.

Being prepared before you start your application will ensure that it is fast and easy to complete.

The application form will ask you for personal information about yourself that you should know or have easy access to. In the application, the only supporting documents you will need to provide will be your bank statements. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you. You'll need to have your internet banking details handy.

Once your application is complete, our credit assessment team may ask for more information depending on the details you’ve provided, such as ID documents, payslips and loan statements. We've built our own custom technology that makes this simple and easy for you to provide online via our loan platform.

Read more about our security and privacy policy.

If your application is approved and we provide you with a loan offer, we will send the details of your offer electronically for you to consider in the form of a digital loan contract.

Read and consider your contract thoroughly before following the instructions to sign the contract digitally. Once the contract has been signed, you will be emailed a copy for your records. It can also be accessed through your account in the customer portal, within the FastMoney mobile app, or by contacting our customer service team to request a copy.

If we are unable to assist you, we will decline your loan application. We will notify you via SMS and email that your application has been declined.

Read more: 10 Tips To Improve Your Chances Of Loan Approval.

we're here to help

Need a hand?
Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.