Car Loans

Hit the road with a fast, flexible and reliable car loan from Jacaranda Finance. Apply today and access up to $25,000 for your next car.

Check If You Qualify

With no impact on your credit score!

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'

Why get a car loan with Jacaranda Finance?

When it comes to getting conditional approval, we're faster than most other lenders out there. We give you the confidence of knowing how much you can borrow so you can buy the right car when you find it. By applying for an online car loan with Jacaranda Finance, you could be behind the wheel of your new car on the same day2.

Loan Details
Loan Amount From:

$10,000 - $25,000

Loan Terms:

25 months - 48 months

Loan type:
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Rate type:


Repayment options:

Weekly, fortnightly or monthly

Pre-approval available:

Most new applications are processed with a conditional approval on the same day during normal business hours once all supporting information required has been provided2.

Maximum car age:

Up to 12 years old

No early payout or exit fees:

Customers who pay their loan out early do not incur any additional fees or charges for doing so. Fixed fees that have already been incurred are due and payable.

Award-winning lender

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We Make Applying 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.

What can a Jacaranda car loan be used for?

We're a fast and fair lender that’s been helping Aussies since 2014 - That’s nearly 10 years!

New and used cars

You can get both brand new and used cars with a Jacaranda Finance car loan, whichever suits you best. It doesn’t matter what model it is: as long as it’s 12 years old or less, is roadworthy, has under 150,000km (petrol cars) and fits within our maximum loan amount, you can get a car loan for it with Jacaranda.

See our Used Car Loans.

Dog and kids in car

Car Loans up to $25,000

Don't wait days for approval with other lenders. Apply during our business hours and you could get an outcome on the same day (once all information has been provided)2.

Trusted by 1,000s

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Frequently Asked Questions

Want to know more? Find out the answers to the most common queries about our Car loans.

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 - 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 loan.

Repayments for Car Loans with Jacaranda Finance work the same as our other loan products. You will repay the balance owed in instalments and the additional interest and charges accrued.

The size of your repayments will depend on your loan amount, interest rate and fees, the length of your loan and more.

With Jacaranda Finance, you can choose to make your repayments weekly, fortnightly, or monthly.

Read more: Car Loan Repayments 101.

When buying a car, you often choose to pay off a portion of the car’s value at the end of your loan instead, reducing what you borrow and therefore making your repayments smaller. This is known as a balloon payment.

Balloon payments can be big - sometimes as big as 50% of the total loan - and can catch people by surprise when their loan expires.

We offer balloon payment loans to help manage this expense.

Being prepared before you start your application will ensure that it is fast and easy to complete.

The application form will ask you for personal information about yourself that you should know or have easy access to. In the application, the only supporting documents you will need to provide will be your bank statements. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you. You'll need to have your internet banking details handy.

Once your application is complete, our credit assessment team may ask for more information depending on the details you’ve provided, such as ID documents, payslips and loan statements. We've built our own custom technology that makes this simple and easy for you to provide online via our loan platform.

Read more about our security and privacy policy.

Yes, there are a number of ways that you pay out your loan ahead of the loan term specified in your loan contract at no additional cost.

To pay out your loan early or make extra repayments, log into the Better Credit mobile app or customer portal and choose from a range of options such as debit card payment, bank transfer or direct debit.

We're here to help

Need a hand?
Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. At Jacaranda, you speak to a real human being every time.