Bad Credit Loans

If you have bad credit and need a personal loan, look to Jacaranda Finance. No matter what your credit score is, we’re here to give you a fair go. Apply for a bad credit loan with us today!

Bad Credit Loans

If you have bad credit and need a personal loan, look to Jacaranda Finance. No matter what your credit score is, we’re here to give you a fair go. Apply for a bad credit loan with us today!

TickBorrow Up To $15,000
Tick100% Online
TickEasy Application
TickFast Loan Outcomes
Tick60-Second Transfers**
TickBad Credit OK

Any credit score

How much do you need to borrow?

$5,000

62 people have applied today

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Our customer rating

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Need a loan, but a bad credit score is holding you back?

If you have a poor credit history, but you’re in need of a personal loan, you have come to the right place. Jacaranda Finance is an inclusive lender that specialises in fast, simple and fair personal loans. We are bad credit loan specialists and consider other factors than just your credit history when assessing your application. So, even with bad credit, you could be approved for a loan today!

Why choose Jacaranda for bad credit loans?

Jacaranda Finance offers quick and easy bad credit loans from $1,000 to $15,000 for everyday Aussies, anywhere and any time. Need a loan on the weekend? No problem, we’re open! We are one of the fastest lenders in Australia, offering 60-minute outcomes*. We also provide instant transfers on approval, meaning you could have your cash in just 60-seconds**.

Need a loan, but a bad credit score is holding you back?

If you have a poor credit history, but you’re in need of a personal loan, you have come to the right place. Jacaranda Finance is an inclusive lender that specialises in fast, simple and fair personal loans. We are bad credit loan specialists and consider other factors than just your credit history when assessing your application. So, even with bad credit, you could be approved for a loan today!

Why choose Jacaranda for bad credit loans?

Jacaranda Finance offers quick and easy bad credit loans from $1,000 to $15,000 for everyday Aussies, anywhere and any time. Need a loan on the weekend? No problem, we’re open! We are one of the fastest lenders in Australia, offering 60-minute outcomes*. We also provide instant transfers on approval, meaning you could have your cash in just 60-seconds**.

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Get your cash in 60 seconds once approved*

Get a quote

What can I use a bad credit loan for?

You can use your personal loan for just about anything. Here are some of the common reasons why our customers get a bad credit loan:

Car repairs 🚗

Car repairs are an unavoidable part of owning a car. If you need funds for your trip to the mechanic, look no further than Jacaranda.

Rental bonds 🏠

Moving house can be expensive enough without the added cost of a rental bond. Let Jacaranda take the stress out of paying for your rental deposit.

Buying furniture or white goods 🛋️

Has your fridge gone kaput? Or has your washing machine taken its last spin? Allow us to help fund your next white goods purchase.

Medical expenses 🏥

If you require urgent surgery or a specialist appointment, the last thing you want to worry about is how to pay for it. Let Jacaranda give you a helping hand.

Travel costs ✈️

Whether you need to pay for accommodation, flights, or fun activities, our bad credit loans can help fund your next holiday.

Unexpected or emergency bills 🚨

If you’re facing unexpected bills or emergency expenses, Jacaranda Finance has got you covered.

Debt consolidation 💳

If you’re looking to consolidate your debt, consider Jacaranda as your lender of choice.

Home renovations 🔨

Looking to update your bathroom or give your kitchen a refresh? Let us help you with your home improvements.

3 types of bad credit loans

Loan Type Security Options Loan Amount Loan Term
Small Loan Unsecured $1,000 to $2,000 12 months
Medium Loan Secured $2,100 to $4,600 13 to 36 months
Large Loan Secured $5,000 to $15,000 13 to 36 months

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Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

  • Personal details (i.e. Name, Address, DOB)
  • Your phone number and email address
  • The reason for your loan
  • Online banking and employment info

How to be approved for a bad credit loan

Don’t let a bad credit score hold you back any longer — apply with Jacaranda Finance today!

Frequently asked questions

*If applied within our standard business hours. 60-minute outcomes are not guaranteed

**If you have an NPP-enabled bank account.