Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.

Who is Zip?

Zip is a buy now, pay later product that allows you to shop online and in-store for various products. Zip Pay covers small purchases up to $1,000, while Zip Money covers payments from $1,000 to $3,000 for regular accounts, and up to $50,000 for specific merchants. Zip Money has a guaranteed interest-free period of 3 months. With a flexible repayment plan, Zip allows customers to purchase products and pay them off at a later date.

Comparison Table * Jacaranda Logo ZipPay
Comparison Table*
Jacaranda Logo vs
ZipPay
Purchases up to $15,000
Jacaranda green-tick
ZipPay red-cross
Purchases up to $15,000 green-tick red-cross
Australian-owned and operated
Jacaranda green-tick
ZipPay green-tick
Australian-owned and operated green-tick green-tick
Flexible repayments
Jacaranda green-tick
ZipPay green-tick
Flexible repayments green-tick green-tick
Customer support team
Jacaranda green-tick
ZipPay green-tick
Customer support team green-tick green-tick
Can be used on the weekend
Jacaranda green-tick
ZipPay green-tick
Can be used on the weekend green-tick green-tick
100% online company
Jacaranda green-tick
ZipPay green-tick
100% online company green-tick green-tick
Google Reviews
Jacaranda five-stars
ZipPay red-cross
Google Reviews five-stars red-cross

* This comparison table has been created based on information provided on the entities website. This is subject to change and is updated on a month to month basis. We endeavour to keep this as up to date as possible.

Who is Jacaranda Finance?

Here at Jacaranda Finance, we pride ourselves on being an award-winning lender. We offer personal loan products from $2,500 to $15,000 to suit all Australians. Our simple and easy online application allows you to access finance at your fingertips anywhere, any time.

We are open when other lenders aren’t. Need a loan on the weekend? Don’t stress, we are available and ready to help. Need a loan fast? We were the first lender in Australia to deliver a 60-second3 loan payout. So, when you need fast and fair personal finance, Jacaranda Finance is here to help you.

Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 12 – 24 months
Starting Interest Rate (APR) – Excellent Credit
Check out our Rates & Fees page for all rate bands.
10.48%
Starting Comparison Rate – Excellent Credit
Check out our Rates & Fees page for all rate bands.
12.56%

Based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly account keeping fee $0 to $25
Early repayment fee $0
Average turnaround 60 minutes2
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 12 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.