Discover Jacaranda Finance



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$300 $4600
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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.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Need bad credit loans to fix your bad credit? No problem! Here’s all you need to know about applying for bad credit loans with Jacaranda today!

Bad credit cash of up to $4,600, 100% online

When you have bad credit, it can limit you in several ways. However, at Jacaranda we know that bad credit can be a result of something that happened in your past that may have been out of your control. We understand that having bad credit can be limiting, so we don’t want to make your situation any more difficult. That’s why at Jacaranda finance, we do bad credit loans for people who have bad credit. With us you can borrow up to $4,600 in the most hassle free-way. Bad credit is a result of the past and we know that that’s where it should stay!

Bad Credit Personal Loans

What does Jacaranda Finance do?

In a nutshell, Jacaranda Finance is a digital lending company that offers bad credit loans. We have a simple application and approval process, combined with a straightforward repayment system. The way it works is that you just need to jump online to apply for one of our loans. Then, we’ll get back to you with an outcome of your application.

Since our process is so simple, it means that we can give you an outcome of your application in a very short amount of time. Another bonus is that the time it takes for us to send you your funds is super short as well. We transfer your funds as soon as you have accepted your loan contract. Your funds can then end up into your account that same day.

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.

What are bad credit loans?

Bad credit loans and no credit check loans are types of personal loans that we offer to borrowers who don’t have the best credit rating. We do medium secured personal loans and small personal loans that can all be applied for online, within the comfort of your own home. Below we’ve explained all you need to know about our different types of bad credit loans.

Small personal loans

These are the smaller no credit check loans that are lent to people with bad credit. They are bad credit unsecured personal loans with very fast approval. With these loans you can borrow between $300 and $2000 that can be repaid over the space of a 12-month period.

The costs of our small personal loans include a 20% establishment fee, plus additional fees of 4% per month.

Medium secured personal loans

With our larger personal loans for bad credit you can borrow between $2100 and $4600. These no credit check loans can be repaid over a period of 13 – 24 months.

The costs of these larger loans include a $400 establishment fee, plus annual fees of 48%. Therefore, the annual percentage rate is 66.0347%.

To find out more about fees and charges for bad credit personal loans guaranteed approval Australia visit the moneysmart website.

What does it mean to have bad credit?

When you have bad credit, it refers to your credit rating. A credit rating, otherwise known as a credit score, refers to a value given to you on a scale from 0 to 1200. The value of your credit score reflects the information contained on your credit report. This report contains information about your history with credit. The higher your score, the better your credit history.

Your credit report contains some of the following information:

A good credit score is generally considered anywhere above 620. A score anywhere below this is not considered a good credit score. With us, you can get cash loans with bad credit. So, even if your score is below 620, you can still get bad credit personal loans. Guaranteed approval is a myth! We help people with good credit, no credit, and bad credit – so your chances of getting a loan may be higher.

Why come to us if you have bad credit?

At Jacaranda Finance, we understand that getting personal loans from a bank or other financial institution can be difficult if you have bad credit. It’s disappointing to get let down, so that’s why we think you should come straight to us for a personal loan bad credit instant approval.

Instead of looking at your credit rating we look at your bank history over the last 90 days as well as your Centrelink income statement if you receive one. With this information our highly skilled loan assessment team will do our best to understand your current financial situation and not blame you for your past.

Likewise, if you are earning a Centrelink Income – if you are receiving a regular payment then we can approve your loan.

How do Jacaranda Bad Credit Loans work?

The way our no credit check loans for bad credit work, is by first completing our simple online application form. You can find it right here! The form is very easy to fill out and will ask you a few questions about your personal details and purpose for borrowing the nop credit check loans. Since the form is very straightforward, it only takes about 4 minutes to fill out.

Once you’ve submitted the form, you just need to sit-back, relax, and have a cup of tea. We’ll get back to you with the outcome of your application as soon as possible. We’ll contact you with the decision we’ve made about your application. If we decide to extend you a loan offer you just need to accept or reject the contract. If you accept, we’ll transfer your funds to you straight away.

We also guarantee that if have a question about our bad finance loans, a 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 are the eligibility requirements for bad credit loans?

As part of our duty as responsible lenders, we have some lending criteria we must comply with. That means we can only lend bad credit loans to people who meet our eligibility requirements. Here is a list of some of the requirements needed to qualify for our cash loans for bad credit.

What information is needed to apply for bad credit loans?

Our bad credit unsecured personal loans with very fast approval work because everything is done electronically. This includes the application form as well as the information we require from you. Here is a list of the information we’ll need from you when you apply for cash loans for bad credit:

What kind of loans can we approve on bad credit?

With Jacaranda finance, the types of no credit check loans we offer to our clients can be for a variety of different purposes. Often people use bad credits loans for the following purposes.

Do you do bad credit car loans?

Yes, we do car loans for terrible credit! Although we do perform credit checks, this is not the only thing we look at when we are assessing your application. With our bad credit car loans we find that the most important thing for us to look at is your current financial situation. This allows us to determine whether you will be able to manage the repayments.

With our bad credit car loans, you are most likely considering borrowing money to help pay for a used car. To apply you’ll need to meet our eligibility requirements as well as providing us with an asset as security for the loan. The asset can’t be the car you are planning to pay for, however, it can be another car or vehicle you own. Some examples of assets that people can use as security are: motorbikes, cars, caravans or boats.
We’ll ask you to provide information about the make, model, year and registration number so that we can make an accurate valuation of the vehicle.

What are the benefits of borrowing bad credit loans?

As you can see borrowing bad credit loans can serve a variety of purposes. They can come in handy when you need to borrow cash immediately because the application process is so quick. Though bad credit personal loans guaranteed approval Australia has some other benefits too:

What if I want to pay my loan off early?

If you decide you would like to clear your debt then congratulations we say! If you are ready to pay off the loan early then we are happy for you to do so. Unlike other credit lenders for bad credit we don’t charge you any early exit fees.

In fact, if you pay your loan out early, come back! You can apply for a new loan with us the same day. This 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 12 to 24 months on all our bad credit loans. So, you can have the breathing space you need to manage your loan the best way for you.

Things to watch out for with bad credit loans

Even though bad credit loans are super easy to apply for and incredibly quick to arrive into your account, there are still some things to keep in mind when it comes to applying for bad credit loans.

Ensure that you can afford the repayments

We say this because if you miss any repayments, you will be charged a penalty fee of $35. It’s also important to ensure you make your payments on time otherwise it can damage your credit score. However, we will never lend you more than we think you’re able to afford.

Nevertheless, we get that life doesn’t always go to plan and if you find yourself in a situation where you feel as though you won’t be able to make a repayment. Give us a call and we should be able to work out a solution that works for both parties.

Have a clear purpose for the loan

If you are borrowing bad credit loans to just get by with everyday expenses, this is dangerous. You could end up getting yourself into a bad debt cycle. Therefore, it’s always important to apply for the loan for a clear purpose in mind. This will also work best if you have plans for how you are going to make your repayments.

Are you ready to apply?
Now you know all the facts about our Jacaranda personal loans for bad credit, if you need a loan with bad credit you should be ready to go on and apply. Don’t worry about being rejected for having bad credit because we do bad credit loans guaranteed approval Australia. So, if it sounds good to you, go ahead and apply now! What are you waiting for!
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Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


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(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal 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


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.


months minumum
months maximum


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.

What our clients say

Bad credit cash of up to $4,600, 100% online Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much