Looking For The Best Personal Loans Online? Jacaranda Could Be The Lender You’ve Been Searching For!
Personal loans, made simple
Are you looking for the best personal loans Australia? Struggling to find a reliable lender? If you’re searching for the best place to apply for a personal loan, we may just be able to help.
Jacaranda Finance is a lender Aussies can turn to when it comes to reliable and fast loans. Our team works hard to get you the cash you need when you need it. So, we’ll cut straight to the chase. We don’t mess around with paper forms or long-winded questionnaires. Our team like to keep things as simple as possible. That’s why our entire loan application process is 100% online.
Scroll up now to apply for some of the best personal loans on the market!
What is the best personal loan to get?
The best personal loans for you will depend on your financial circumstances and how much you wish to borrow. When it comes to loans, there are generally two types you can opt for: secured or unsecured. If you only need a small loan to cover some short-term expenses, then an unsecured personal loan may be a better choice.
Unsecured loans do not require an asset to be used as collateral for your loan. Since they are higher risk, lenders tend to offer them for smaller borrowing amounts. Secured loans are generally the best long term personal loans, as they enable you to borrow more for longer periods of time. However, they will require you to provide an asset to secure the agreement.
Where can I get the best personal loans?
There are a wide variety of traditional and online lenders that could provide a personal loan fit for your needs. To find the best personal loan for your situation, you should consider:
- How much money you wish to borrow;
- What you need the money for;
- What features you’d like your loan to include (e.g. no early exit fees); and,
- How much interest you can afford.
Why should I apply with Jacaranda Finance?
The world of personal loans can be a challenge to navigate. It’s difficult to know who you can and can’t trust. At Jacaranda, we value transparency. That means we’ll always be upfront about the fees and charges associated with our loan products.
The Jacaranda team are here to make the loan application process as simple and stress-free as possible. We understand that when you need fast cash, there is no time to waste. Our online application form could only take you a few minutes to complete. If you submit your application during AEST business hours our team will do their best to get back to you with an outcome in just 60 minutes. Talk about speed!
Can I get a loan if I have bad credit?
Yes! Some lenders may still consider you for a loan despite a bad credit score. This is generally because they will consider other factors, such as income, in addition to your credit score.
At Jacaranda, we will conduct a credit check as part of our assessment process – but, we will look deeper than that. Our team prefers to take a realistic look at your finances. So, we’ll look at factors like employment status, pre-existing financial commitments and income to get a better idea of your financial circumstances.
Ultimately, if you’re looking for the best personal loan options for bad credit or have googled ‘$10,000 personal loan with bad credit’, Jacaranda could be the lender for the job.
What could I use my personal loan for?
Personal loans can be used for a wide variety of expenses. A common misconception is that you can only apply for a personal loan in an emergency – this is untrue. Here are some reasons you could site in your application for the best personal loan around:
Small personal loans for car repairs
If you’ve had a break down out of the blue, you probably don’t have cash lying around for repairs. But, there’s no need to stress. Jacaranda could get you the cash you need in a flash.
Got bad credit? That doesn’t have to stop you! Jacaranda could provide you with a bad credit loan for auto repairs. We look at more than just your credit history to get a better idea of your financial situation. So, why not apply right now?
Looking for the best price personal loans for furniture?
Are you planning an upgrade? Maybe you’re moving house and need some new furniture to fill empty space? Or, maybe you’ve just seen a new bed that you just can’t live without? Whatever the reason, Jacaranda could provide you with some of the best personal loans for furniture.
Since you can apply for up to $10,000, we have the loan amounts to fit any budget and ambition. So, whether you just need a few extra dollars to repair an armchair or you want a completely new living room – Jacaranda has the loan for you.
Looking for the best online personal loans for holidays
That’s right, Jacaranda Finance could provide you with an online personal loan for your next holiday. Maybe you’re planning on taking the family on the trip of a lifetime? Or, maybe you’re just heading away for the weekend? Whatever your reason, Jacaranda could have the extra cash you need to make it happen.
Are you unsure whether you’ll be approved or not? We recommend applying anyway. It costs nothing to submit an application and our lending team will always do their best to match you with a suitable loan product.
Best unsecured personal loans for dental expenses
Has the dentist handed over the bad news? Before you spin into panic mode, you could just reach for your smartphone and apply for the best unsecured personal loans with Jacaranda. Our application process is super simple and 100% online – you could even get in done in the dentist’s waiting room.
At Jacaranda, we are proud of the fact that we give all Aussies a fair go when it comes to an unsecured personal loan. That means no matter who or where you are in Australia, Jacaranda could get you the cash you need today. Our team will do their best to match you with an unsecured personal loan to suit your financial situation. What have you got to lose? (Other than your teeth!)
Best personal loans for debt consolidation
Have you been thinking about consolidating your debt? Debt consolidation could make your life a lot easier. With one simple payment for all your outstanding loans, you could not only save yourself the stress but also save on interest. At Jacaranda, we provide debt consolidation loans from $300 to $10,000. Our team are pretty confident that we provide some of the the best personal loans for debt consolidation around! Why not scroll up and see for yourself?
What type of personal loan can I apply for?
Jacaranda offers three different types of personal loans which can be used for a variety of expenses. Here’s a quick breakdown of each of our loan products:
|Loan type||Description||Loan term|
|Small Loans||A small loan is basically any loan between the values of $300 and $2,000. Small loans are unsecured. That means you don’t need to attach collateral to the application.||3 to 6 months|
|Medium Loans||At Jacaranda, medium loans are for cash loans between $2,100 and $4,600. These loans are secured, meaning they require an asset to be attached as security against the loan.||13 to 24 months|
|Large Loans||Jacaranda offers large personal loans between $5,000 and $10,000. These loans are secured, so an asset will need to be attached as security for one of our large loans.||13 to 24 months|
Collateral needs to be attached to our medium and large loan applications – however, our lending team will advise you on your individual situation. Jacaranda accepts collateral in the form of a car, motorbike, caravan or boat.
Before you apply
At Jacaranda, we don’t claim to provide the best personal loans for everyone. The right loan for you will depend on your individual circumstances. Before you proceed with your application it is important to do your own research into what finance option is best for you.
Above all, we are not financial advisors. If you have any questions regarding personal finance you should speak with a professional financial advisor. For more information on our personal loans, our lending team is more than happy to help. If you’d like to get in touch, you can send us a message here.
Who can apply?
As with our entire application process, we like to keep the application criteria very simple. If you can fulfil the following requirements then you are eligible to apply for a personal loan online now:
- You must have an active mobile number and email address;
- Applicants must be over the age of 18;
- A regular income must have been deposited into your own personal bank account for the last three months;
- Applicants must have internet banking set up;
- You must be able to prove you are an Australian citizen or permanent resident.
What will I need with me to apply?
Our loan application form only requires your basic information. We like to keep things as simple as possible. So, here’s what you’ll need with you when you apply:
- Personal info (name, D.O.B etc.);
- Your internet banking details;
- The reason you are applying for a loan;
- Your MyGov details (if you receive Centrelink benefits);
- Your employment details and employer contact info;
- All applicants must be able to prove they are Australian citizens or permanent residents.
Why do we need these details?
It’s pretty simple. We need your employment details in order to conduct an employment check. Don’t worry though, our employment checks are always carried out by an experienced member of our lending team. We will never disclose sensitive information to your employer such as the reason you’re applying for a loan.
In order to get a better idea of your individual financial situation, we will also take a look at read-only copies of your bank statements. We use the very best in secure banking to ensure your information is always encrypted. So, no one will see your passwords or personal information at any time.
Cash to your account
When it comes to the best personal loans for fast outcomes, Jacaranda can deliver. At Jacaranda, we do our best to get back to you within 60-minutes when you apply during AEST business hours. If you’re approved for a personal loan we will send over a contract for you to review and sign. As soon as we get the contract back our lending team will transfer the funds straight into your account. Thanks to instant banking, the cash could be in your account and ready to use in just 60 seconds.*
Scroll up now to get started on your application!
*NPP enabled bank accounts.
Borrow From Australia’s
Jacaranda Finance was named Champion of Financial Services at the 2019 Australian Small Business Champion Gala Dinner and Awards.