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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.

If you are wondering ‘how do I borrow money?’

Borrow Money up to $4,600 | Apply Now!

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Borrow Money with Jacaranda Finance!

Borrow money online – Easy!

Jacaranda Finance is a quick and simple, no hassle lender offering short term unsecured loans to Australians with a bad credit history, no credit history and even on some Centrelink payments. We also provide secured personal loans and dental loans up to $4,600.

The benefits you will get from working with Jacaranda include:

  • No hidden fees and no early payout costs
  • 100% online applications with no paperwork
  • Easy direct debit repayments; and
  • Secure borrowing – with the money in your account in as little as 24 hours.

How much money can I borrow?

Jacaranda Finance offers cash loans of up to $4,600 repayable over a 12 to 24 month term. This mean that if you need a little extra time – take it! It is important to get things right when borrowing money – so if it suits you to repay your loan over the whole year that is fine with us.

Also, as responsible lenders we will never give you a loan that you cannot afford. To ensure this doesn’t happen we will ask all the important questions and get all the necessary information before approving the loan.

Likewise, if you are approved for a loan that you do not feel you need or that doesn’t suit your situation you are under no obligation to accept our loan offer. Simply say no – or ask us to amend our offer. If we can – we will. No worries.

What if I can’t borrow money from the bank?

All too often we hear that hard working Australians are being turned away from lender after lender. Whether they don’t do the ‘right’ type of work, have a medical condition that restricts work capacity or just don’t have enough paperwork to keep the banks happy – the end result is still no approved loan.

At Jacaranda Finance, we are proud to say that many of these people are now our happy customers.

Can I borrow money with Bad Credit?

As I’m sure you already know, if we were a bank, bad credit would equal no loan. Luckily, Jacaranda Finance isn’t a bank and we don’t agree that you should be judged by your past credit history if that doesn’t reflect who you are now.

Therefore, with as little as 90 days bank statements and a Centrelink Income Statement if you receive a Centrelink benefit, we can approve your loan.

How do I borrow money now?

We can help you with that too! Simply complete our easy 2-3 minute online application and our amazing assessment team will work to get it approved within 60 minutes.

To help us out please make sure you complete all required fields accurately! It will really slow down your assessment process if we have to chase details.

Also, as we are 100% online you can submit your application at any time that suits you – which is great! We will just let you know that our business hours are from 8am to 6pm Monday to Friday, so if you want to apply to borrow money outside these times we will assess your loan the next business day.

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.

Want to apply now?

Excellent! We don’t think there is any reason to wait – so hit apply and borrow money with Jacaranda Finance today!

What our clients say

Borrow Money up to $4,600 | Apply Now! Overall rating: 4.7 out of 5 based on 147 reviews.

great help!

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They we're fantastic and happy to help with all questions that I had for your staff. Will recommend to friends and family. Thanks heaps

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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.