Discover Jacaranda Finance

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Quick Turnarounds & Decisions
$300 $4600
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(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.

Car registration loans can help you get back on the road fast!

Car Registration Loans Up To $4,600 with no hidden fees! Apply Now!

Have you found your dream car? Ready to start cruising down the coast? So, what’s stopping you? If you are halted by car registration expenses, stay tuned! Jacaranda Finance offers fast and easy small car registration loans!

Our fast, small car registrations loans are the ticket to solving all your car finance problems. Jacaranda Finance is a 100% online loan company that offers same day approval loans, with no hidden costs.

Our vision is to give all our applicants a fair go when it comes to loan approval. We have designed a simple, 4-minute car registration loan application, with a 60-minute turnaround. Jacaranda Finance wants to ease your money worries by creating a simple loan process that gets you back to what you do best. Let’s delve more into what makes a car registration loan perfect for your car finance problems.

how it works question

Firstly, why Jacaranda Finance?

Before you decide to take out a car registration loan with us, we want you to get to know us. So, here’s a few opening questions that will speed up the process:

Are we fast?

We sure are! Our car registration loan application will take you 4-minutes to complete. Once submitted, we aim to have your application outcome delivered to you in 60 minutes. Therefore, when we mean quick loans, we mean business!

To speed up your fast loan approvals, try out our car registration loan calculator! It does all the work for you. Simply head to the Jacaranda Finance website and the calculator is located at the top of each page. Select how much you wish to borrow and for how long, and it will show you your weekly/fortnightly or monthly repayments. Once you are happy with your car registration loan terms, click ‘Apply Now’. It’s that easy!

Do we have asterisk costs?

Jacaranda Finance is 100% upfront about all costs. That means no sneaky fees hidden in the fine print at the bottom of your car registration loan contract. Here’s a breakdown of our small loan costs.

Firstly, our costs differ depending on your loan terms. Furthermore, for small personal loans ranging from $300 to $2,000, there is a 20% establishment fee charged upfront + a monthly fee of 4%.

You can easily cover the costs of car rego with a small personal loan, however, if you’re also looking to pay for car repairs or maybe a new set of tyres, then consider a medium secured personal loan.

For medium secured personal loans, the costs are an establishment fee of $400 plus an annual percentage rate of 48%. In addition, car registration loans from $2,100 to $4,600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2,000 or less.

On both loan types, you’ll also be charged a $35 dishonour fee if an automatic payment fails to come out of your account.

Are we responsible lenders?

We encourage everyone to apply for car registration loan, however, when we evaluate loan applications we do adhere to responsible lending practices. We will not approve a car registration loan if we believe the applicant cannot afford the repayments.

Do we offer small car loans

We sure do! Our small personal loans start at $300 and go up to $2,000! The loan terms range from 12 to 24 months. In addition, if you pay your small car registration loan off early, there is no early exit fee.

Do we have simple repayments?

We want to create a hassle-free loan experience, so we use the latest in safe banking technology to simplify repayments. Furthermore, when it comes to repayments, we simply debit your nominated bank account either weekly, fortnightly or monthly depending on which option you prefer.

Now that we are better acquainted, let’s talk car registration loans!

how it works question

What ae car registration loans?

Firstly, you might be thinking what exactly are car registration loans? Well, essentially they are small unsecured personal loans. In addition, a personal loan can typically be used for any purpose.

If you find yourself falling short of car costs, then try a car registration loan to put you in the driver’s seat!

how it works question

So, what do I need to apply for a car registration loan?

Before you begin applying for a car registration loan, there is a small checklist of requirements to look over. Check them out below:

Once you have checked you meet all these requirements you are ready to apply for a car registration loan today!

how it works question

How do I apply for car registration loans?

When you’ve checked off all the requirements on our checklist, you are ready to apply for car registration loans. Here are some handy steps to follow when completing your car registration loan application:

Step one: Applying online

Jacaranda Finance is 100% online and we have created a fast online loan application for your convenience. We want to create a loan experience that is hassle-free and won’t drain your energy and patience!

Step two: Assessing your application

Once you have submitted your car registration loan application, we will begin to assess your application based on the personal details you provide.

Step three: Supporting documentation

Utilising the latest in safe banking technology, we are able to create a loan application process with no paperwork! So, how do we do it? Well, with banking technology, we are able to access your bank statements and spending habits. Say goodbye to endless photocopying and mountains of paperwork!

Step four: Responsible Lending

When assessing your car loan registration, we adhere to responsible lending practices. We don’t approve a loan if the applicant cannot afford the repayments. The last we want is to land you in unmanageable debt!

Step five: Collect your moolah! 

After submitting your application you can sit back and relax whilst you do all the work! Enjoy a catch up with a friend or a good book for 60 minutes. If you are approved, your funds will be transferred instantly into your bank account. Times may vary depending on the policies of your bank.

how it works question

How do repayments work for car registration loans?

Ensuring all our customers experience seamless repayments is a pillar of the Jacaranda Finance mission. As a result, we utilise the latest in safe banking technology to automatically debit your bank account. No need to set a reminder to pay your bills, we’ve sorted it all for you!

how it works question

Do we perform credit checks for car registration loans?

Yes, we do, however, we encourage all applicants to apply, and not to be afraid of credit checks. Credit checks are only a piece of our approval policy. We, also consider the state of your present finances and your current source of income.

how it works question

Can I still get one of your car registration loans if I have bad credit?

Yes, you can!

At Jacaranda Finance we give all customers a fair go and don’t judge purely on past financial mishaps. We believe applicants should be rewarded for good financial behaviour. If you meet the minimum for a car registration loan, we will factor that into our decision.

how it works question

Can I apply for car registration loans if I recevie Centrelink payments?

Yes, of course!

Similar to bad credit, we don’t judge an applicant based on whether they receive Centrelink payments or suffer from bad credit. We consider Centrelink payments a regular source of income. However, there are some payments we also mark as temporary, such as Youth Allowance, Newstart and Farm household allowance.

Here’s a handy list of Centrelink’s payments we do accept:

how it works question

See how our car registration loans can work for you!

how it works question

The lowdown on responsible lending

We have talked a lot about responsible lending and you may be thinking, “what do we mean by responsible lending?” Firstly, Jacaranda Personal Loans complies with all relevant Commonwealth and State Legislation. As part of our responsible lending policy, we also conduct credit checks.

We are, however, more lenient than traditional lenders such as banks. We consider your financial past as well as your financial present.

For information about the practices beyond responsible lending, visit the MoneySmart website.

how it works question

Having trouble with your car registration loan application? Let’s troubelshot it!

Technology can be tricky to navigate sometimes, that’s why we are here to help. Here is a handy checklist to run through when car registrations loan application gets stuck:

If you are still stuck, please feel free to contact your friendly loan team on 1300 189 823 or visit the contact us page.

how it works question

Ask us anything! We’re ready to talk!

We may be a 100% online business, however, we still pride ourselves on quality customer service. Our team of loan experts are available for a chat at the touch of a button. Our loan experts are constantly monitoring the Jacaranda Finance website and phones so pop in and ask us anything!

Meet the latest member of our loan specialist team: Dani the bot! 

She is smart, helpful and fun and can solve any problem you throw at her. Our latest addition to the team is Dani the A.I bot. To have a chat with Dani, simply click on the message icon located on the bottom right- hand side of every Jacaranda Finance page.

You may be thinking, ‘why can’t I just talk to a human?’ Well, we have those too! So, call or email us today about your car registration loan.

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

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%.

Terms

16
weeks minumum
50
weeks maximum

Example:

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

Costs

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.

Terms

13
months minumum
24
months maximum

Example:

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

Car Registration Loans Up To $4,600 with no hidden fees! Apply Now! 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