FlexiCredit
New
Welcome Nifty Customers
Nifty Loans has joined the award-winning Jacaranda Finance group in order to deliver faster and smarter loans to its customers. Here's what both new and existing Nifty customers should expect now that they're a part of the Jacaranda Finance family:
- Exceptional Australian-based customer service
- Complete your application in 5-12 minutes1. This differs depending on the individual.
- Most outcomes are provided on the same day2 during normal business hours once all information has been provided.
- 60-second3 payouts for most customers. Worst case for the rest is overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
- Flexible and affordable loan terms
I'd like to borrow
Over the term of
You can now check your eligibility,
with no impact on your Credit Score!
2,660+ Reviews
Fast Loan Specialists
Who is Jacaranda Finance?
Founded in 2014, Jacaranda Finance is an award-winning personal finance provider that delivers flexible personal and car loans faster than most banks. Specialising in providing finance to hard-working, everyday Australians, Jacaranda's fixed-rate loans could be an ideal solution to help pay for life's larger expenses: both expected and unexpected.
Getting a loan with Jacaranda Finance can be both simple and fast thanks to our 100% online technology. We offer fast applications in mere minutes1; outcomes on the same day2; and funds transfers in just 60-seconds if approved3:
- Applying for a loan with Jacaranda Finance takes most people 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.
- 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: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
- Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to their nominated bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
Jacaranda offers three main loan products:
Cash Boost Loan
Cash Boost is a fast finance solution for small-to-medium-sized expenses with a fixed term and a fixed repayment.
- Loan amounts: $2,100 to $4,600
- Loan terms: 9 months to 18 months
- Could be suitable for: Car repairs, medical expenses, vet expenses, white goods etc.
Express Personal Loan
Our express personal loan product is a fast finance solution to help customers with larger expenses, expected and unexpected.
- Loan amounts: $5,000 to $25,000
- Loan terms: 24 months to 48 months
- Could be suitable for: Home repairs & renovations, holidays, debt consolidation, weddings etc.
Express Car Loan
Hit the road faster with simple and quick approvals and pre-approvals for new and used cars, both dealer and private sales.
- Loan amounts: $10,000 to $25,000
- Loan terms: 24 months to 48 months
- Could be suitable for: New cars, used cars, balloon payments
Why you'll love dealing with Jacaranda
With over 5,000 positive online reviews, we are committed to delivering amazing customer experiences and providing personalised finance solutions when you need it.
In addition to our fast loan processing, you'll also love Jacaranda for the following reasons:
- Self-service customer portal, 24/7, 365 days per year
- Friendly, respectful and approachable customer service team (we're open on Saturdays too!)
- Pay off your loan sooner at no additional cost and save yourself money
- Anyone unsatisfied with their loan for any reason, and who still has the funds including any amounts paid to third parties on your behalf, can return the money within a 48-hour cooling-off period and cancel their loan4.
Don't just take our word for it
We strive to offer superior customer service - our Australian-based teams are friendly, personable and helpful and most of the time the first person you deal with can assist with your query.
Don't believe us? Check out what scores of happy previous Jacaranda customers have had to say below!
OVER 5,000 REVIEWS
Customer Testimonials On Trusted Platforms
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Super easy and fast system, applying was seamless and money was instant! See Less
Super easy and fast system,... See More
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- S Johari - Google Review
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Fast, reliable service had money in acc same day See Less
Fast, reliable service had money... See More
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- K Perkin - Google Review
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. See Less
Jacaranda is always helpful, wonderful... See More
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- n falconer - Google Review
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Brilliant service and quick action during application process the best there can be when it comes to quick loans. See Less
Brilliant service and quick action... See More
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- N Ross - Google Review
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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 ! See Less
Jacaranda finance is definitely one... See More
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- B Pocock - Google Review
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So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced See Less
So jacaranda finance.. Were great... See More
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- N Rice - Google Review
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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. See Less
It is easy to apply... See More
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- D Miguel - Google Review
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. See Less
Good people to work with.... See More
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- K Kupke - Google Review
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. See Less
Excellent service once again from... See More
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- J Mccullough - Google Review
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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. See Less
Excellent 5 STAR customer service... See More
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- B Lau88 - Google Review
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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. See Less
Jacaranda finance were amazing they... See More
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- R Hay - Google Review
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: 30/11/23
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as 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.
2. We’ll do a credit assessment
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 during normal business hours. 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 or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have 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 in their bank account 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'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.
