Jacaranda Finance is committed to the practice of responsible lending. We ensure that we only lend to customers when we know they can comfortably afford our products.

Our service is designed to put you in control of your cash flow, for those times when the occasional emergency or unexpected bill catches you off guard.

Assess loan affordability

At Jacaranda Finance, we understand the importance of accurately assessing an applicant’s affordability and suitability situation for one of our products. We see affordability as a measure of an applicant’s capacity to fund new and outstanding debts currently, as well as in the future. Therefore, we undertake reasonable enquiries to verify your financial situation and ensure you can comfortably repay your loan now and in the near future.

Flexible loans

Varying loan amounts are available with Jacaranda Finance. Personal loan amounts range from $2,500 to $15,000. Initially, all loans have a 12-month loan term. However, you can pay your loan out at any stage with NO additional fees or charges.


As part of our commitment to responsible lending, customers need to have regular income going into a personal bank account. We accept applications from people who are employed as well as people receiving Government benefits, provided they meet our eligibility criteria.

To qualify for one of our personal loans, you must:

  • Be over 18 years of age
  • Receive a regular income into a personal bank account
  • Receive at least $400 per week income
  • Be an Australian resident, or have permanent residency
  • Have a direct contact number

Transparent service

Jacaranda Finance comply with all relevant Commonwealth and State Legislation. There are no hidden fees or surprises. We are very transparent, and all of the costs associated with our loan products are described in detail within your loan contract once approved. There is no obligation to take us up on an approved loan. If you are not happy with what is on offer you may withdraw your request at no cost.

Refer to our loan calculator to get an idea of what your repayments will be. If costs increase, it will be because you have failed to honour your loan agreement.

ID verification

Part of our responsible lending process includes collecting personal information. We take fraud very seriously. Identification information you provide us when you fill out an application will be used to conduct an e-verification (an online identity verification). At the time of your application we will specifically seek your consent for these verifications and checks to be conducted. Should you not agree to have your identity verified by these means, please contact us so as we can discuss different options with you such as confirming your identity with your employer.

Ultimately we want to ensure it is really you who is taking out the loan and that the funds are sent to the correct bank account.

Credit check

As a responsible lender, we do carry out a credit check on eligible applicants. We are more lenient than traditional institutions such as banks; however, we too have ideals to follow. As long as your current financial situation is looking good, we will happily consider your loan application. Bad credit loans are based on your capacity to meet your loan repayments and future credit worthiness.

Are you a responsible borrower?

While it is important when applying for a line of credit to choose a company that practices responsible lending, it is just as important to make sure that you use a personal loan responsibly. This is what we trust you will do with a Jacaranda Finance loan. Manage your money wisely.

Guidance and Warning About Borrowing

We strongly advise that you think carefully before applying for a Jacaranda personal loan, because we expect it to be repaid as agreed. We describe the potential consequences of failing to repay as promised in our FAQ’s and costs section.

*The following statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:
  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.


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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

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.

Brendan Lau88 – GOOGLE REVIEW

Need a hand?
24hr loan processing.

Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, if you need some help navigating what the best loan is for you, our friendly team is more than happy to answer any questions you may have.