Thinking about applying for a loan but aren't sure where to start? We can help you there.
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'
Thinking about applying for a loan but aren't sure where to start? We can help you there.
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 great!
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. 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.
Had trouble getting a loan before? It can help to estimate your potential repayments before you apply.
If you need help determining whether you can afford your next loan, use our four-step loan repayment calculator to estimate your repayments before you apply.
Ready to Apply? You can get started now.
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.
If you don't qualify, your application will be declined without a hard credit check being conducted.
Learn more about this feature.As an exclusively online lender, we only accept loan applications via our Better Credit mobile app or our online application form. We do not accept applications over the phone or in person.
But the good news is we make it super easy in both.
Click the links above to download our app from either the App Store or Google Play. Alternatively, click 'Get Started' to begin your application on our website.
An initial application with Jacaranda can be completed in as little as 5-12 minutes1. But if you’d prefer to take your time, you can fill in the application at your own pace from anywhere in Australia on any device as long as you have internet.
Being a 100% online lender, you may submit an application with Jacaranda 24/7, 365 days a year.
Looking to find out if you’ve been approved quickly?
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
If we need any further information from you, we’ll be in touch promptly. Most customers get a same-day outcome if they provide the required documentation by 3 pm Australian Eastern Standard Time (AEST).
Once you've been approved and accepted our offer by signing your digital contract, we will 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.
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
You can also cancel your application at any point. Simply contact our customer success team, and they will be able to assist you. Alternatively, reply to any SMS or email we have sent you to withdraw your application.
Am I eligible for a Loan with Jacaranda?Â
You must meet the following basic eligibility criteria before submitting an application:
You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score.
Information you will need to provide:
*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.
We go above and beyond to protect your information and data in the BetterCredit app.
Through bank-grade security, secure logins and 256-bit SSL data encryption, checking your credit score in the BetterCredit app is completely safe.
Generally speaking, in Australia, applying for a loan often impacts your credit score by a small amount.
When you apply, a lender or credit provider will almost certainly conduct a hard credit check automatically as part of the application process. This will result in a credit inquiry appearing on your credit report.
Each lender has its own eligibility requirements, which can be a real pain if all you're trying to do is find out if you can get the loan in the first place.
Making multiple loan applications can lower your credit score. We want to help you avoid that.
Read some of our most frequently asked questions below to learn more about Jacaranda and our products.
