Buy Now, Pay Later

Don’t put off a necessary purchase. Buy it now, and pay it back later with a Jacaranda personal loan.

Buy Now, Pay Later

Don’t put off a necessary purchase. Buy it now, and pay it back later with a Jacaranda personal loan.

Tick$1,000 - $15,000
Tick100% Online
TickQuick and Easy
TickInstant Transfers**
TickFlexible Repayments

Any credit score

How much do you need to borrow?

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Need to buy now, pay later?

If you need a pay later option, you might want to consider a personal loan. Buy now, pay later companies (BNPL) typically have a low limit of how much you can borrow, but Jacaranda Finance provides personal loans all the way up to $15,000! In addition, rather than short repayment periods, you can choose a flexible repayment schedule from 12 to 36 months. When you need a buy now, pay later service, Jacaranda Finance is a lender that might have an option to suit you.

What can I use a personal loan for?

Just like BNPL services, you can use a personal loan to purchase an item that you need a repayment schedule for. Whether you need urgent car repairs, medical bills, or a holiday covered, Jacaranda Finance could have a finance option that suits you. We are one of the fastest lenders in Australia; we were the first lender nationwide to deliver a 60-second loan payout. Typically, we process our applications within just 60-minutes* and, if you have an NPP-enabled bank account (which is 90% of bank accounts), you could have your money in 60-seconds** from approval.

Need to buy now, pay later?

If you need a pay later option, you might want to consider a personal loan. Buy now, pay later companies (BNPL) typically have a low limit of how much you can borrow, but Jacaranda Finance provides personal loans all the way up to $15,000! In addition, rather than short repayment periods, you can choose a flexible repayment schedule from 12 to 36 months. When you need a buy now, pay later service, Jacaranda Finance is a lender that might have an option to suit you.

What can I use a personal loan for?

Just like BNPL services, you can use a personal loan to purchase an item that you need a repayment schedule for. Whether you need urgent car repairs, medical bills, or a holiday covered, Jacaranda Finance could have a finance option that suits you. We are one of the fastest lenders in Australia; we were the first lender nationwide to deliver a 60-second loan payout. Typically, we process our applications within just 60-minutes* and, if you have an NPP-enabled bank account (which is 90% of bank accounts), you could have your money in 60-seconds** from approval.

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Get your cash in 60 seconds once approved*

Get a quote

Pay for purchases with a personal loan

Whether your purchase is big or small, we have online finance options that might suit you.

Loan Type Security Options Loan Amount Loan Term
Small Loan Unsecured $1,000 to $2,000 12 months
Medium Loan Secured $2,100 to $4,600 13 to 36 months
Large Loan Secured $5,000 to $15,000 13 to 36 months

How Jacaranda’s personal loans work

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Our tech

We've won numerous awards for our state-of-the-art technology. We have created one of Australia's smartest, 100% online application processes to make applying for a loan quick and easy. We use technology to understand your personal financial position, so we don’t need to rely just on your credit score.

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Our speed

The 100% online application can be completed in minutes, and will ask you questions about your personal situation as well as automatically request access to read-only copies of your bank statements. 90% of applications have an outcome at the end of the process. The rest of the applicants typically have an outcome within 60-minutes (during normal business hours).

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Australian based and family owned

All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in the country, which is backed up by our reviews on every review platform. We have operated for almost 10 years and we've been family owned since the very start.

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60-second payouts

For most clients who have NPP-enabled bank accounts (which is 90% of bank accounts), the funds will be available and ready to use in your bank account within 60-seconds of accepting your contract. If you do not have an NPP-enabled bank, you will receive your funds overnight on the day you are approved.

How to be approved for a Jacaranda personal loan

If you don’t want to put off purchasing that one expensive item, there are some things you can do to ensure you get the fastest outcome possible on your personal loan application.

Use our easy online application

It couldn’t be easier to apply for a loan with us. All you need to do is:

  1. Apply for your loan online and supply your supporting documents;
  2. Get your quick outcome and sign your contract;
  3. Receive your money.

For the fastest possible outcome, apply for your loan within our business hours so that our team can process it straight away. If not, you can still apply anywhere, any time.

Supporting documents

We must have copies of your supporting documents to process your application. To get the fastest outcome possible, it might be handy to have the following documents ready when you apply:

  • Basic personal information (name, date of birth, address);
  • 100 points of identification;
  • The reason for your loan (e.g. medical bills, renovations);
  • Your online banking login details and employment information.

Signing your contract

Once we receive a copy of your signed loan contract, we can immediately release your funds into your bank account. However, without this loan contract, we can’t process your request. Please ensure you sign and return your loan contract within our business hours so that we can release your funds as soon as possible. Otherwise, we will process your request first thing on the next business day.

Be available if we need you

If we need additional information to complete your application, please ensure you’re contactable for the fastest outcome. However, we typically won’t need to contact you.

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

  • Personal details (i.e. Name, Address, DOB)
  • Your phone number and email address
  • The reason for your loan
  • Online banking and employment info

Frequently asked questions

* If applied within our standard business hours. 60-minute outcomes are not guaranteed.

** If you have an NPP-enabled bank account.