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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Looking for Bad Credit Personal loans?

Bad Credit Personal Loans up to $4,600 | Apply Now!

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Jacaranda Finance offers Bad Credit Personal Loans up to $4,600 approved in as little as 60 minutes. Even better, if your bad credit is in the past – that’s where it will stay!

What is Jacaranda Finance?

Put simply, Jacaranda Finance is the best cash loan for bad credit. With an easy 2-3 minute online loan application, flexible repayment options and no early payout fees, we can offer you a short term loan experience that’s right for you – with a quick decision too.

You can also rest assured knowing that Jacaranda Finance is a responsible lending business. We will never give you a cash advance loan that you cannot afford or that does not meet your needs.

Why come to us if you have bad credit?

At Jacaranda Finance, we understand that securing a short term unsecured loan from a bank or other financial institution is difficult if you have bad credit.

Don’t let yourself be let down by other lenders. Come straight to Jacaranda!

By using your bank statements for the last 90 days and a Centrelink income statement if you receive one, our highly skilled loan assessment team will do our best to understand your current financial situation. Not blame you for your past.

Likewise, if you are earning a Centrelink Income – as long as you are receiving a regular payment (excluding Newstart, OzStudy or Youth Allowance payments) then we can approve your loan.

How Jacaranda Finance does Bad Credit Personal Loans

It’s simple! Go online and complete the application form – click send and wait. As soon as your application is received our dedicated assessment team will be working behind the scenes to get your loan approved as soon as possible.

Amazingly, we can do this in most cases without any paperwork!

We also guarantee that if you have a question, a real person will answer the phone every time you contact us between 8am to 6pm Monday to Friday. If you have a query outside of these times – simply send the team an email and we will get back to you the next business day.

What kind of loans can we approve on bad credit?

Jacaranda Finance offers short term cash for:

What if I want to pay my loan off early?

Then congratulations we say! Unlike some of our money hungry competitors, we will not charge you an early payout fee. Not ever!

In fact, if you pay your loan out early, come back! You can apply for a new loan with us the same day. Talk about a great way to restore your credit history!

Likewise, if you need a longer repayment period – we’ve got you covered there too. At Jacaranda Finance, we offer repayment periods of up to 12 months on all of our bad credit loans. So you can have the breathing space you need to manage your loan the best way for you.

Ready to apply?

The Jacaranda Team are here and ready to show you that bad credit quick personal loans are not all the same. We want to see you get the cash loan that is right for you – and are committed to helping you get there.

Don’t let bad credit get in your way – apply now with Jacaranda Finance and experience our loans difference today.

Example of how our small personal loans work.

  • Loan Amounts: Minimum $400 to Maximum $2,000.
  • Terms: Minimum 16 weeks to Maximum 50 weeks.
  • Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).
  • Example: Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle Amount)+ $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work.

  • Loan Amounts: Minimum $2001 to Maximum $4,600.
  • Terms: Minimum 13 months to Maximum 24 months.
  • Costs: Annual Percentage Rate (APR) is 48%. Comparison rate is 66.0347% p.a. This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.
  • Example: Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount)+ $400 (Establishment Fee) + $1378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.
  • For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

How customers rate Jacaranda’s Bad Credit Personal Loans?

What our clients say

Bad Credit Personal Loans up to $4,600 | Apply Now! Overall rating: 4.7 out of 5 based on 147 reviews.

Excellent customer service

★★★★☆
4 5 1
Very easy to deal with. The staff are very nice and you get a quick response and outcome to inform if you have been approved.

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Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

Terms

16
weeks minumum
50
weeks maximum

Example:

Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.