Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

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.

Borrow money with Jacaranda Finance today! Get up to $4,600 completely online!

What you need to know about how to borrow money

Borrow money – sure, sounds like an easy solution but we all know it’s not as simple as that. When you need the funds to pay for something and don’t have the money readily available, you may start looking for ways to borrow money. We understand that there is nothing more stressful than being pressed for funds and we don’t want to make things any more difficult for you.

Therefore, we’re here to help you out in those times of financial strain. In contrast to other lenders, Jacaranda makes applying for a loan as easy as it can possibly be. If it sounds appealing to you, we’ve written down everything you could possibly want to know about borrowing money with Jacaranda Finance. Check it out…

how it works question

What does it mean to borrow money?

When you borrow money it means you’re going to get credit from a lender. That money needs to be paid back at a later date at a rate of interest. You are, in fact, assuming debt to the lender when you borrow money from them. As the borrower it is your obligation to pay the money back to the lender – usually a financial institution such as a bank or an alternative lender, like us.

how it works question

How can I borrow money fast?

The quickest way to borrow money is to get it from an online lender such as Jacaranda Finance. Traditional lenders, like banks, often have a much longer application process where you have to physically go to a bank and apply. Whereas with online lenders all you have to do is fill out their simple application forms online and click submit!

how it works question

How does the borrow money process work?

When you borrow money online, the application process happens in a few simple steps. Which look a little something like this:

Step 1: Fill out the online application form

You can find this on our homepage, and it only takes a few minutes of your time to complete. It will ask you a few questions about your personal details, your reason for applying for a loan, and details about your employment and income source.

Step 2: Wait for an outcome of your application

Once you have submitted your application with us, we’ll get back to you as soon as possible. We usually get back to you in under an hour, so that you’re not waiting around for ages stressing out about whether your application was approved or not.

Step 3: Accept your loan contract

Once we have approved your loan application, we’ll send you a text extending you an offer for a loan. You simply need to read the terms and conditions and accept the loan contract. However, if you decide not to go ahead with the loan, you can reject the loan contract at this stage. If you’re not happy with the contract it’s always worth chatting to your lender. You may be able to change loan amount, term or repayment frequency to make your loan more manageable.

Step 4: Receive your money

This is the most exciting part of the process. As soon as you’ve accepted your loan contract, we’ll transfer your funds to you straight away. That means you could receive your funds the very same day that you apply. Especially if you are with Commonwealth Bank. However, if you don’t receive your funds the same day, you should receive your money the next day.

Step 5: Repay your loan

Once you’ve received your funds, the next step is to start repaying your loan. You can do this by setting up a direct debit payment. That means your funds can come out of your account automatically, without you having to worry about making your payments manually. And if you want to pay your loan off early you can! Plus, we won’t charge you early exit fees. You can even apply for a loan the very next day after you have finished paying your existing loan.

how it works question

What are the eligibility requirements to borrow money from Jacaranda?

With Jacaranda, you must meet our minimum lending requirements before we can approve you for a loan. The following is a list of the eligibility criteria:


Be over 18 years of age

Receive a regular income into a personal bank account

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

how it works question

What supporting information is required as part the application to borrow money?

Along with your application, we will require a bit of information from you, to assess your application. The following is a list of things we’ll need from you:

If you are borrowing a medium secured loan, we ask you to provide us with some information about your vehicle, so that we can make a valuation of the cost of your vehicle. The following is a list of some of the info we need:

how it works question

Why do people borrow money?

There are a variety of reasons people need to borrow money. Firstly, it’s often to do with the fact that people need to pay for an expense that cropped up out of the blue. Sometimes it’s to pay for a much-needed item, that cannot otherwise be purchased with existing funds. Here is a list of some of the reasons people choose to borrow money in the first place.

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

What you need to know about how to borrow money 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