Home > Credit Card Consolidation With Jacaranda!

Credit Card Consolidation With Jacaranda!

Personal Loans up to $10,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Where can I consolidate my credit card debt?

Have you been looking for a reliable lender who could assist with credit card consolidation? Well, look no further.

Jacaranda Finance is a reliable and trustworthy lender when it comes to easy credit card consolidation. We could provide you with loans from $300 to $10,000 today. So, if you’ve been on the hunt for a reliable lender then why not give Jacaranda a go? You could have the cash you need to consolidate your debts even sooner than you think! At Jacaranda, we’re the experts when it comes to emergency cash loans!

Why Trust Jacaranda?

Finding a reliable lender can feel like a near impossible task. It’s so difficult to know who you can and can’t trust. Many lenders will promise the world, but significantly under deliver when it comes down to it. At Jacaranda, while we can’t guarantee approval for every applicant, we can guarantee that what you see is what you get. We are 100% transparent. All fees and charges will be clearly outlined in your contract in plain English. We are completely upfront from the very start. Our team has a strong focus on customer service. So, if need be, you can contact us at any time and we will always do our best to get back to you as soon as possible!

Who Are We?

Jacaranda is a lender with a difference. We are 100% online. That means you can apply for our loans whenever, and wherever you like. You could even complete our application on your smartphone, from the comfort of your couch. Forget mountains of paperwork or long waits at the bank. We understand that no one has time for that. In our modern world, everything is instant. You can do most things online with the click of a button – so, why should loan applications be any different? Jacaranda has revolutionised the entire process. We could even have an answer to your loan application within 60-minutes.

The good news is, when you apply for a credit card and debt consolidation loan with Jacaranda, you’re guaranteed to be given a fair go. If you think bad credit could stand in your way… think again. We could provide credit card debt consolidation services to people with poor credit scores. At Jacaranda, our lending team likes to look at more than just your credit history. We are big believers in second chances. So, we encourage anyone who is interested in a credit card consolidation loan to apply now! Let our team see what we could do for you…

What Is Credit Card Debt Consolidation?

Have you been googling ‘how does credit card debt consolidation work?’ or ‘what is credit card debt consolidation’? Unsure as to what a credit card consolidation loan really is? Well basically, we combine all of your little debts into one manageable repayment. Many of our applicants find it difficult to stay on top of multiple repayments – we totally get it.

When you’re faced with remembering to have the correct amount in your account on different days throughout the month, it can get confusing and messy. So, instead of letting those late payment fees build up, you could apply for a credit card and debt consolidation loan with Jacaranda. We could make life much simpler for you with a loan from $300 to $10,000.

Worried about your credit rating? There’s no need to be! At Jacaranda, we look at much more than just your credit rating. Our lending team takes a realistic look at your individual financial situation. We understand that mistakes do happen and people can change. We want to help you get on top of your debts. So, why not apply today and let a member of our lending team assess your individual situation? You never know, you could have the cash you need much sooner than you think!

Who Can Apply For Credit Card Debt Consolidation?

If you’re trying to get on top of credit card debt, then a consolidation loan from Jacaranda could be the answer. Wondering whether you’ll be eligible or not? Well, we like to keep the application criteria pretty simple. If you can meet the following, you could apply today…

  • You must have an active mobile number and email address;
  • Applicants must be over the age of 18;
  • A regular income must have been deposited into your own personal bank account for the last three months;
  • Applicants must have internet banking set up.

We told you it was simple. If you can tick our boxes, we will do everything we can to tick yours. If you have any questions regarding the application criteria you can always get in touch with a member of our team. We are more than happy to answer any questions you may have!

What Type Of Loan Can I Apply For?

At Jacaranda, we offer our applicants three different types of loans. These are small, medium and large personal loans. It is important you apply for a loan amount to suit your individual financial situation. Our team will always do their best to match you with the best personal loan product to suit you. However, it is important to ensure the loan is right for your lifestyle. Here’s what we offer:

Loan Type Secured Options Loan amount Loan term
Small credit card consolidation loan Unsecured $300 to $2,000 12 months
Medium credit card consolidation loan Secured $2,001 to $4,600 13 to 24 months
Large credit card consolidation loan Secured $5,000 to $10,000 13 to 24 months

Something To Remember…

It is important to remember that the above is only a guide. Everyone is different, and therefore every loan application is different. It is essential you only ever apply for a loan product that suits your individual circumstances. We suggest taking a look at the possible costs associated with each personal loan type. It is extremely important you read over your agreement and make yourself aware of any fees and charges you could incur for late or failed payments.

At Jacaranda, we are proud to be advocates for responsible lending. That means we will take a realistic look at a loan product that is right for your individual situation. We will never approve you for a loan that we do not believe you can repay. However, it is your responsibility to ensure the correct repayment amount is in your account. Our lending team is always more than happy to answer any questions you may have – so, get in touch!

What Documents Will I Need To Apply?

We don’t need a lot. Our loan application form isn’t complicated. In fact, you could complete it in a matter of minutes. We are proud to be a lender that gives all Aussies a fair go. So, here is what you’ll need with you to apply…

  • Personal info (name, D.O.B etc.);
  • Your internet banking details;
  • The reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink benefits);
  • Your employment details and employer contact info;

As you’ve probably already realised, we like to keep things as simple as possible. So if you can provide us with these details, our team will do their best to match you with a suitable loan product.

Why Do We Need Your Employment Details?

If you’re wondering why we need your employment details, the answer is simple. As a part of our commitment to responsible lending, employment checks need to be carried out on applicants. Not only do we check your employment for this reason, but we also like to get an idea of the whole picture. At Jacaranda, we don’t just look at your credit score. We take a realistic approach when approving applicants. That is why an employment check is necessary.

Why Do We Need Your Internet Banking Details?

Another good question. Our lending team uses your internet banking details to access read-only copies of your bank statements. Before you freak out – we don’t actually access your real bank account, only the statements. Jacaranda uses the latest in safe banking technology to ensure all of your information is encrypted. That means no one will ever be able to see your passwords or private information.

The ability to view your bank statements allow our lending team to note your income and spending habits. This could work in your favour if credit isn’t your friend.

How To Apply…

An application for a credit card consolidation loan could be be as simple as 1, 2, 3.

Step 1: Head up to the top of this page and use the loan calculator to select an amount and loan period. You will then be able to see what the weekly, fortnightly and monthly repayments could be on that loan. If you’re happy, hit ‘apply now’ to get started.

Step 2: Once you’ve selected ‘apply now’ you’ll be directed to our speedy application form. This could only take you minutes to complete. Once you’ve submitted your application, a member of our team will begin the assessment.

Step 3: If your application is successful we’ll get straight back to you. A member of the team will send over a contract for you to review and sign. Once we receive that back, the money will be transferred into your account. Talk about speed!*

*Inter-bank transfer times can affect transfer speed.

Keen to read more? Find out how to get on top of credit card debt, consolidate your loans, and the top tips for improving your savings!

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Reviews current as of June, 2021.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.