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Check Your Credit Score
If your credit score is lower than you’d like and is holding you back from getting the finance you need, we could help.
Check your credit score for free with Jacaranda Finance, and learn how to improve it to unlock new financial opportunities.
About your credit score
A credit score, also known as a credit rating, is a score given to you based on your borrowing history from credit providers.
When you apply for a credit product (such as a home loan, car loan or credit card), your credit score can essentially act as a numerical representation of your trustworthiness and reliability as a borrower.
Credit scores can range between zero and 1,000 to 1,200, depending on the credit reporting bureau.
When you apply for a loan or credit product, lenders will likely use your credit score to assess your application.
Why is checking your credit score important?
Credit scores can be particularly important when you’re applying for a loan or credit product with one of the legacy banks, as it is often the first thing they look at when assessing your application.
Having a low credit score can limit your options in many ways. It could not only lower your chances of being approved for loans you apply for, but it could also exclude you from being eligible for certain loans.
On the other hand, a higher credit score can improve your chances of a successful loan application for a desirable product that meets your needs.
By checking your credit score regularly, you can see where you’re at financially. Knowing your credit score can stop you from applying for loans you might not be eligible for.
It can also give you an idea of where you need to be and how much you might need to improve your credit score.
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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Years Helping People
Trusted by 1,000s
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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.
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Super easy and fast system, applying was seamless and money was instant!
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Fast, reliable service had money in acc same day
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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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 !
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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.
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
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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.
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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.
Why Check Your Credit Score With Jacaranda?
Your credit score is more than just a number—it’s the key to your financial health and opportunities. Unfortunately, low credit scores mean those opportunities are locked away for many Aussies.
We are 100% devoted to improving Australians' credit scores. The Better Credit app allows you to check your credit score quickly, easily, and for free!
No impact on your credit score
One of the biggest myths around credit scores is that frequently checking your credit score will lower it. However, according to Equifax, this is not true.
You are encouraged to check your credit score regularly, and doing so with Jacaranda Finance is no exception. What's more, when you apply for a loan with us, checking if you qualify first will have no impact on your credit score either!
Take full control of your credit score
Despite how important a credit score is, 73% of Australians have no idea what theirs is. If that wasn’t bad enough, nearly half (48%) have never checked it, and 6% don't know what a credit score is at all!
We want to change that. By signing into the Better Credit app, you can now track your credit score's progress with monthly updates, helping you monitor your credit in real time.
Improve your credit score steadily
Jacaranda Finance reports data under the Comprehensive Credit Reporting (CCR) regime. This means we provide a more detailed and comprehensive view of your credit history to credit bureaus.
If you have a loan with us, your credit behaviour, such as managing your loans responsibly, will be reported, potentially strengthening your credit profile.
Unlock New Financial Opportunities
Improve Your Credit Score
Check your credit score for free!
No lengthy signups needed
With the BetterCredit app, it’s completely free to check your credit score and monitor its progress over time.
Simply download the Better Credit app on the Apple or Google Play stores using the buttons below, sign in to your existing account or create a new one, and then grant us access to your credit file so we can give you your score.
It’s easy!
Monitor your credit score
Know where you stand
Once you’ve granted us access to provide your credit score via Equifax, it will automatically update monthly.
You can monitor its progress over time to know where you stand when you apply for a loan or credit product.
Checking your credit with the Better Credit app won’t lower your score or affect it in any way.
Learn to improve your score
Tips, tricks & expert insights
With Comprehensive Credit Reporting (CCR), we can report positive credit information to credit bureaus. This means that if you have a loan with us, behaviours like making timely repayments could increase your score.
You can also access our in-depth guides on all things credit if you’re hungry to learn more.
Access to Finance Fundamentals
Test your credit knowledge
Want to test your knowledge and see how much you really know about credit? Complete our short Finance Fundamentals course in the BetterCredit app to learn more!
There are seven modules in this course that discuss credit scores, credit reports, loan and credit applications, credit bureaus, and more.
Download the app if you’re ready to dive in.
