Car Loans | Up To $35,000 | Fast Applications

Money in your bank account and ready to use in 24 hours once approved^*(3)

✓ Any credit score

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Our customer rating

5.29% (comparison rate 5.44% pa)*(3) starting rate with no ongoing fees. Interest rates vary subject to a full credit assessment. Interest rates vary subject to a full credit assessment. Comparison Rate is based on a loan of $30,000 over 60 months.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

STEP ONE

You apply online

Complete our online application in just a few minutes. Simply start with our loan calculator, select how much you wish to borrow and for how long, then once you’re happy with your proposed loan terms, click the ‘Apply Now’ button. You’ll be taken straight to our quick application, where we’ll ask for a few more details. Once you’re happy, press ‘Submit’ and we’ll receive straight away (if you apply during business hours).

STEP TWO

We get to work

Now it’s our turn to work the magic. After we receive your application, we’ll get straight to work assessing whether or not we may be able to offer you a car loan. We may need additional information from you, so keep an eye on your emails or phone. We want to ensure you get your cash as quickly as possible.

STEP THREE

Get Your Funding

If we can provide you with a loan, we’ll let you know straight away. Then, we’ll be in touch to go over the finer details of your application to see whether you’re suitable for a car loan. So, in just three simple steps you could be on your way to the car of your dreams. Skip the endless googling, and opt for a lender that is 100% online, and ready to help in minutes.

Reviews don’t lie 🌟

4.9

1,167 reviews

4.8

517 reviews

4.7

1,204 reviews

4.8

825 reviews

Last updated: 19/08/2020, 10:00am

What makes Jacaranda different?

Speedy applications

After a quick personal loan? Apply anywhere, anytime in minutes, without the hassle of a long application. Most people take 8 minutes.

Quick outcomes

We'll let you know if we think we can help you on the spot when you finish your application. All day, everyday. That’s 24/7, 365 days.

Same Day Outcomes

For most customers, we provide a same day outcome.

Looking For A Car Loan?

Great stuff! It’s an exciting time, but don’t forget that buying a car is one of the biggest financial decisions many of us will ever make, besides buying a home. There are a bunch of things that you will need to think about and remember before you take the plunge and put your car loan to good use, but don’t worry we’re here to help. Do you need cash now? Why not turn to the experts?

There are plenty of things to consider when choosing the right lender – that’s why we’re here to help!

At Jacaranda Finance, we make looking for car finance that bit easier by offering car loans 100% online. If you’re searching for a car loan, you’ll soon discover that there is plenty to choose from, so how do you sieve through the clutter and find a lender that can help? That’s where we come in handy. We’re the lender more Aussies trust to provide them with the car finance they need.

So, whether you’re looking for a reliable little car loan to get you around town a little quicker or something a bit more flashy, Jacaranda Finance could offer you the loan to get you driving.

Applying For A Loan Shouldn't Take Days

When you apply with Jacaranda Finance, you could get an outcome in a matter of minutes, not days (depending on when you apply and your financial situation). Not only do we have the fun of hunting for our dream car, our very own ‘Bee’ or ‘Kirby’, choosing colours, models, any extras we may want, but we also have to consider how we’re going to fund our little dream-mobile.

Now, you may already know exactly what you want and have the funding sorted, but many of us may be a little unclear as to both what kind of vehicle we want, and how we’re going to pay for it when we do finally decide!

This is where Jacaranda Finance can help you out. With our comprehensive loan options, you can be assured you’ll be given a fair assessment.

Whether you’re looking for a family-friendly car for your growing tribe, a new truck for work or something a bit more sleek to represent a new phase in your life, look no further than Jacaranda Finance.

We Do The Searching, So You Don't Have To

We Do The Searching, So You Don't Have To

If you’re on the hunt for car finance, you may find yourself feeling a little overwhelmed by choice. We get it. That’s why we’re ready to do all the hard work for you. Whether you have bad credit or are receiving Centrelink, we will do our best to help.

After searching endlessly through lenders, we’re sure you’re tired of complicated applications with no end results. Well, at Jacaranda Finance it’s a different story. You can apply in three simple steps, and we’ll do our best to match you with a loan in no time. So, don’t wait, apply today in minutes and you could access the car loan you’ve been searching for.

Car Loans FAQ

Am I eligible for a car loan?

To be a eligible for a Jacaranda car loan you must:

Be 18 years or older
Be an Australian Citizen or Permanent Resident
Have a valid Australian driver’s license
Have an active mobile number and email address
Be receiving a regular income into a personal bank account for the last 90 days

How much can I borrow with a car loan?

Jacaranda’s car loans range between $5,000 and $35,000.

Apply for as much as you need. We’ll assess your current relationship with finances and sort out what will work best for you.

Is the interest rate fixed or variable?

Jacaranda’s car loans are fixed rate loans.

How do I apply for a car loan?

To apply for one of Jacaranda’s car loans, firstly, scroll up to the top of this page to find our loan calculator. Select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’ Fill in the quick application and submit your supporting documents.

Our assessors will then determine if the loan you’ve applied for is both suitable and affordable for you. We aim to have all applications assessed and settled the same day we receive them, during business hours.

Are your car loans secured?

Yes, all Jacaranda car loans are secured. In some cases, you can secure your loan with the car you’re purchasing.

How long do I have to pay off my car loan?

Our car loan repayment terms vary from 2 to 5 years depending on the amount you apply for.

I’ve got a bad credit rating. Can you still offer me a car loan?

Yes! We can offer car loans to people with bad credit. Of course, we cannot guarantee approval, but we can look past your less than perfect credit score when assessing your application.

Don’t let bad credit deter you from applying. We’ll do our best to approve you for a suitable car loan.

What should I be mindful of when selecting a car?

Be sure to negotiate the best possible price for your desired vehicle, as this will strengthen your application and improve your chances of approval.

Can I get a car loan to purchase a used car?

Yes you can! Jacaranda doesn’t discriminate on what car you’re looking at purchasing. Whether you’re after a new or used car, we could provide you a loan to purchase it.

Can I get pre-approval before purchasing?

No, unfortunately we cannot offer pre-approval car loans. When applying for our car loans you need to let us know what car you’re purchasing and how much can you put towards it.

Pre-approval means you can get your loan before you’ve decided what car you’d like to purchase.

How long will my car loan take to be approved?

Jacaranda offers speedy approvals for car loan applications. You could even get your cash on the same day you apply for a loan. This, however, will depend on when you apply and if we require any additional information.

If we can’t provide you with an outcome on the same day you apply, you’ll most likely be notified if you’ve been approved or not on the next business day.

Can I apply if I’m on Centrelink?

Yes, absolutely! Jacaranda is proud to be able to give all Aussies the fair go they deserve at accessing finance. Of course, we cannot guarantee that your application will be approved, but we will look at your current relationship with money to determine if you can afford the repayments on a car loan.

Can I pay out my loan early?

You sure can! The best part? We won’t charge you an early settlement fee.

We don’t believe you should be punished for being responsible with money and getting on top of your finances.

Is it possible to refinance my car loan?

Yes, Jacaranda can offer car loan refinancing. When you refinance your car loan, you borrow money from a new lender with better terms to pay off your current car loan.

If you’ve reviewed your current car loan and want to lower your repayments and save on fees, you could consider car loan refinancing.

Need a hand? 👋

Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.

Get answers online

View our FAQs

Not urgent?

Send us an email

Urgent question?

Chat to us now

Need to chat?

Call our Australian call centre

Are you an existing customer?

Apply Now 🚀

About

Money in your bank account and ready to use in 24 hours once approved^*(3)

How to apply for car loans

When you’re searching for vehicle finance, the last thing you want is red tape. Just apply with Jacaranda Finance in three simple steps.

You apply online

We get to work

Get Your Funding

Reviews don’t lie 🌟