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 9 months and the maximum loan term is 24 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 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
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 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.