We can make loans happen when the banks won’t.

How To Apply With Jacaranda Finance

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

Apply in minutes, 100% online1
Same-day outcomes available2
Check if you qualify - no impact on your credit score
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  • ProductReview 2024 Award Winner, Jacaranda Finance: Top Performing Personal Loan Lender logo
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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'

Who are we

About Jacaranda

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.

Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.

Click here to learn more about what makes Jacaranda great!

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Aussies Helped With A Loan
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Loans Approved
/5
Google Rating
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Years Helping People
Over 5,000 reviews

Trusted By 1,000s

Google logo 4.9/5
Word of Mouth logo 4.8/5
ProductReview logo 4.7/5
TrustPilot logo 4.9/5
  • Google Logo
    Shaan Johari - Google Review
    Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
    Super easy and fast system, applying was seamless and money was instant!
  • Google Logo
    Scott Milkauskas - Google Review
    Scott Milkauskas Rated Jacaranda Finance 5 out of 5 stars
    I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
  • Google Logo
    naomie falconer - Google Review
    naomie falconer Rated Jacaranda Finance 5 out of 5 stars
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
  • Google Logo
    Nathan Ross - Google Review
    Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
    Brilliant service and quick action during application process the best there can be when it comes to quick loans.
  • Google Logo
    Breeanne Pocock - Google Review
    Breeanne Pocock Rated Jacaranda Finance 4 out of 5 stars
    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 !
  • Google Logo
    Dianita Miguel - Google Review
    Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
    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.
  • Google Logo
    Kevin Kupke - Google Review
    Kevin Kupke Rated Jacaranda Finance 3 out of 5 stars
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
  • Google Logo
    Brendan Lau88 - Google Review
    Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
    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.
  • Google Logo
    Kayleb Perkin - Google Review
    Kayleb Perkin Rated Jacaranda Finance 4 out of 5 stars
    Fast, reliable service had money in acc same day
  • Google Logo
    Rebecca Hay - Google Review
    Rebecca Hay Rated Jacaranda Finance 3 out of 5 stars
    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.
  • Google Logo
    Rob Smith - Google Review
    Rob Smith Rated Jacaranda Finance 4 out of 5 stars
    Had a good experience with jacaranda finance the form was easy to follow and the team helped when I had questions
How our application process works

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. 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.

Loan Repayment Calculator

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

Once you know what you can afford in your budget, use our three-step loan repayment calculator to estimate your repayments before you apply.

Ready to Apply? You can get started now.
1. I'm looking for a:
2. I'd like to borrow: $8,500
Please note that loans exceeding $10,000 or with Loan Terms of 36 months will require security in the form of a registered motor vehicle you own.
3. Loan Term (Months)
...
Estimated per
* Repayment Disclaimer
*Please consider: The example repayment is an estimate based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.
Interest Rate
16.95% - 29.95%
Comparison Rate**
32.99% - 46.50%
Monthly Fee (Fixed)
...
Total Repayment
Including Interest & Fees
...
** Comparison Rate Warning
The comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
Ready to Apply? You can get started now.

Check if you qualify - Without affecting your credit score

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.
QualifyCheck

Apply online or via our Better Credit app

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.

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Get started in minutes1

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.

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Get a fast outcome on the same day2

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).

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Funds transferred in 60-seconds3

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.

Loan Benefits
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.

You can easily get in touch online or via the Better Credit app. Jacaranda's customer service team is available to chat six days a week, and services are available online 24/7.