When the banks say no, give us a go!

Car Loans Up To $25,000

Found your dream car and need to get your finances sorted quickly? We can make Car Loans happen when the banks can't - or won't.

With a Jacaranda Finance Car Loan, you can borrow between $10,000 to $25,000 for your next set of wheels.

Car Loans from $10,000 to $25,000
Same-day pre-approvals available2
Cash in your account within 60-seconds once approved3

Check If You Qualify

With no impact on your credit score!

*Subject to lending criteria, T's and C's'

*Subject to lending criteria, T's and C's'

Car Loans Made Simple

Feel confident you’re getting the right loan for you with terms ranging from 25 months - 48 months, and enjoy same-day pre-approval when you apply.2

With fixed interest rates to help you budget and flexible repayment options at no extra cost, you’re in the driver's seat with a Jacaranda Car Loan.

Even better, you can apply for a loan in just 5-12 minutes1. No boring and lengthy paperwork is necessary; all information and documentation are securely handled online, making the car-buying process as easy as it gets.

purple fam car
Who are we

About Jacaranda

Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.

We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.

We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans.

Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.

Click here to learn more about what makes Jacaranda great!

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Aussies Helped With A Loan
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Loans Approved
/5
Google Rating
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Years Helping People
Over 5,000 reviews

Trusted By 1,000s

Google logo 4.9/5
Word of Mouth logo 4.8/5
ProductReview logo 4.7/5
TrustPilot logo 4.9/5
  • Google Logo
    Shaan Johari - Google Review
    Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
    Super easy and fast system, applying was seamless and money was instant!
  • Google Logo
    Scott Milkauskas - Google Review
    Scott Milkauskas Rated Jacaranda Finance 5 out of 5 stars
    I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
  • Google Logo
    naomie falconer - Google Review
    naomie falconer Rated Jacaranda Finance 5 out of 5 stars
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
  • Google Logo
    Nathan Ross - Google Review
    Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
    Brilliant service and quick action during application process the best there can be when it comes to quick loans.
  • Google Logo
    Breeanne Pocock - Google Review
    Breeanne Pocock Rated Jacaranda Finance 4 out of 5 stars
    Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one !
  • Google Logo
    Dianita Miguel - Google Review
    Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
    It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.
  • Google Logo
    Kevin Kupke - Google Review
    Kevin Kupke Rated Jacaranda Finance 3 out of 5 stars
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
  • Google Logo
    Brendan Lau88 - Google Review
    Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
    Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.
  • Google Logo
    Kayleb Perkin - Google Review
    Kayleb Perkin Rated Jacaranda Finance 4 out of 5 stars
    Fast, reliable service had money in acc same day
  • Google Logo
    Rebecca Hay - Google Review
    Rebecca Hay Rated Jacaranda Finance 3 out of 5 stars
    Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process.
  • Google Logo
    Rob Smith - Google Review
    Rob Smith Rated Jacaranda Finance 4 out of 5 stars
    Had a good experience with jacaranda finance the form was easy to follow and the team helped when I had questions

Car Loan Rates & Fees

With competitive interest rates and no hidden fees, our Car Loans are designed to be fast, fair, and, above all, affordable. See the table below for a quick guide to our fees and charges, or visit our fees page for more information.

Interest Rate
Comparison Rate
Loan Term
Repayment Cycle
Secured or
Unsecured
Establishment Fees
Monthly Fees
Risk Fee
Comparison Rate Warning*
  • Car Loan
    $10,000 - $25,000
    Interest Rate
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 48 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Secured
    Establishment Fees
    $950 - $1,190
    Monthly Fees
    $26 p/month
    Risk Fee
    $585 - $995
    Comparison Rate Warning*
    The comparison rate is based on $10,000 over 36 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.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
  • Car Loan
    $10,000 - $25,000
    Interest Rate
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 48 months
    Secured or
    Unsecured
    Secured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $950 - $1,190
    Risk Fee
    $585 - $995
    The comparison rate is based on $10,000 over 36 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.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.

Funds in 60s

to PAYID Enabled Banks
Commonwealth Bank of Australia
Westpac Bank
Suncorp Bank
ANZ Bank
National Australia Bank

Why choose Jacaranda for your Car Loan?

In addition to our rapid applications1 and fast pre-approval outcomes2, a Jacaranda Car Loan can provide the following benefits.

Buy a huge range of cars

Our Car Loans can be used to pay for a huge range of car options including:

To be eligible, the car you're buying:

Happy Young Man Showing Keys While Sitting In Car
How our application process works

Applying is Easy

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible. With Jacaranda, you can get conditional approval in minutes, not days.2

Data security and privacy

We take your security seriously

We go above and beyond to protect your information and data in the Better Credit app.

Through bank-grade security, secure logins and 256-bit SSL data encryption, checking your credit score in the Better Credit app is completely safe.

See here for more information on data security, or contact our customer service team if you have any further questions.

See here for more information

Your data is secured by
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Data security

Loan Eligibility Criteria

  • Be at least 19 years of age
  • Be employed on a permanent or casual basis, with consistent income for 90 days
  • Be an Australian citizen or permanent resident with a fixed address.
  • Have an active email address, phone number, & online banking details in your name.
  • Be in control of your current finances and handling existing financial commitments comfortably.
You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score.
Information you will need to provide:
  • Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
  • Employment status & details
  • Your bank statements*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.

*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.
Your data is secured by
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Check if you qualify - no impact on your credit score!

Not sure if you're eligible? Worried about being rejected? No stress!

At Jacaranda Finance, you can check if you qualify first, and your credit score won't be impacted.

If you meet our eligibility criteria, we'll let you know on the spot. You can then choose to submit an application, which will involve a hard credit check and may impact your credit score.

Check if you qualify new messaging
FREQUENTLY ASKED QUESTIONS

Car Loans FAQs

Browse our most frequently asked questions below to learn more about getting a car loan with Jacaranda.

In Australia, a car loan is essentially just a personal loan used specifically for buying a car. Unlike many personal loans, which can be unsecured - not having an asset used as security on the loan - our car loans are always secured loans. This means the lender can repossess the car and sell it should you be unable to meet your obligation to repay the car loan.

Jacaranda offers two loan products with varying loan amounts that you could borrow:

These two loan products also have varying loan terms:

  • Jacaranda Express Personal Loan: 25 months to 36 months
  • Jacaranda Car Loan: 25 months to 48 months

For detailed information about who our products are designed for, please review our Target Market Determinations.

In addition to qualifying, we have specific requirements for car loan applicants. Generally speaking, however, the car will be eligible as long as it's roadworthy and fits within our maximum loan amount.

There are additional documents we may require about the car, depending on whether you’re buying through a dealership or a private sale. Dealerships generally require fewer documents due to the reduced risk to both the borrower and the lender. See our page on car loans through private sales vs dealerships for more information on the documents we need.

Get in touch with us if you have any questions about whether the car you want is likely to be eligible.

Yes. Our conditional pre-approval can give you the confidence to know how much you can borrow, so you can buy the right car when you find it. Most new applications are processed with conditional approval on the same day during normal business hours once all supporting information required has been provided2.

See our car loan pre-approval page for more information on how this process works.

Technically, our pre-approval lasts for seven days, after which you'll need to contact us to renew it.

Thanks to our fast processing times, seven days could be enough for you to finish the paperwork on your new car, but if not, don't stress! We’ll keep in contact with you during your pre-approval, and if you need extra time, we can easily extend it.

Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.

If you don't meet our initial criteria, your credit score won't be affected.

Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.

We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.

Other lenders will be able to see that you applied for a loan with Jacaranda.

This might impact your credit score.

Review our Privacy Policy for more information.

Visit our rates and fees page to get an idea of the costs associated with our loan products.

The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria, loan amount, and loan term for which you qualify.

Use our loan repayment estimate calculator to get a guide on what your repayments could be.Â