Check Your Credit Score with Jacaranda

Help us help 1 million Australians improve their credit scores and 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.

Why is checking your credit score important?

When you apply for a loan or credit product, lenders will likely use your credit score to assess 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.

Comprehensive Credit Reporting

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.

Better credit features

Improve your credit score

Check your credit score for free!

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Monitor your credit score

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Learn to improve your score

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Access to Finance Fundamentals

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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!

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.

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.

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.

Learn more about the BetterCredit app

How It Works

Step 1

Download our app

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Step 2

Create an account or sign in

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Step 3

Grant us access

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Step 4

Check your credit score!

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It’s quick and easy to download the BetterCredit app and check your credit score. Simply head to the Apple or Google Play stores - linked below - and start your download.

Alternatively, you can log in right here and proceed to step 2

If you’re an existing customer with Jacaranda Finance, simply login to your account using the app or online in the customer portal.

If not, you can create an account in no time! We’ll ask you to verify your ID before you can complete this step.

Once you’re in, you should see an option to ‘Track Your Credit Score For Free’.