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BetterCredit App
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Make extra repayments & request statements and repayment date changes
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At Jacaranda Finance, we understand if you’re hesitant to apply for another loan. After all, millions of Aussies are declined by the banks every year, and it can hurt your credit score when it happens.
That’s why we think it's fair to give you the ability to check if you qualify for one of our products without impacting your credit history.
Subject to lending criteria, terms and conditions. See below for details.
Subject to lending criteria, terms and conditions. See below for details.
Award-winning lender
When you're considering applying with Jacaranda Finance, you can check if you qualify for one of our loans 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 qualify for a loan, you'll have the option to move forward with a full application. 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 Finance. This might impact your credit score.
Generally speaking, in Australia, applying for a loan often impacts your credit score by a small amount.
When you apply, a lender or credit provider will almost certainly conduct a hard credit check automatically as part of the application process. This will result in a credit inquiry appearing on your credit report.
Each lender has its own eligibility requirements, which can be a real pain if all you're trying to do is find out if you can get the loan in the first place.
Making multiple loan applications can lower your credit score. We want to help you avoid that.
Every year, banks fail millions of Aussies who need to borrow money. They tend to have very rigid processes for assessing applications and don’t think outside the box.
When the banks decline you, even if you’re in control of your finances, come and talk to us. While we might not be your first choice, you’ll always be our number one priority.
Our state-of-the-art assessment technology looks at more than just your credit score. Our customer service team is available to chat six days a week, and services are available online 24/7.
If you've been rejected by a bank, we have a range of tools and features that could help you improve your credit score and increase your chances of getting approved next time.
If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. You can:
Check if you qualify for one of our Personal Loans today!
We offer something better.
Repayment calculators can only provide estimates. By sharing a few details about yourself, you could check what you qualify for without impacting your credit score*.
In just a few minutes, see which loan products you could be eligible for, how much you could borrow, your available loan terms and estimated repayments.
Once approved and you've accepted your loan contract, most customers get paid in 60 seconds.
Apply by 3:00pm AEST with everything we need, and you could get your loan outcome that same day - simple as that.
Unsatisfied with your loan? You can return the total principal funds, including any payments made to third parties on your behalf within the 48-hour cooling-off period and cancel your loan.
It’s easy to get started...
Read some of our most frequently asked questions below to learn more about Jacaranda Finance and our products.
Effortlessly manage your loans
