Credit Guide

Jacaranda Finance Pty Ltd
ABN 53 162 078 195
Australian Credit Licence 456 404

1. Our Responsible Lending Obligations

As a part of our responsible lending obligations, we are required to not enter into a credit contract or increase the credit limit with you if the contract will be unsuitable. A contract will be deemed unsuitable if:

  • it is likely that you will be unable to comply with the financial obligations under the contract or you could only comply with the financial obligations under the contract with substantial hardship; or
  • the contract does not meet your requirements or objectives.

In determining whether a contract will be deemed unsuitable, we will:

  • make reasonable enquiries about your requirements and objectives for the applied credit; and
  • make reasonable enquiries about your financial situation;
  • take reasonable steps to verify that financial situation;
  • obtain and review your bank account statements for the last 90 day period.

2. Providing a Copy of Assessment

If you request a copy of our Assessment of Unsuitability for your credit contract:

  • before entering the credit contract, we must give you a written copy of the assessment before entering the contract
  • within two years from the credit day, we must give you a written copy of the assessment in writing within 7 business days of your request
  • after two years from the credit date but within 7 years, we must give you a written copy of the assessment in writing within 21 business days

3. Our Internal Dispute Resolution Procedure

If you are not fully satisfied with the service we have provided you, you can notify our complaints officer at:

Email: complaints@jacarandafinance.com.au

In your complaint, you should provide your preferred contact details and clearly outline the nature and details of your complaint and our complaints officer will be in touch with you.

4. Our External Dispute Resolution Scheme

If you are not satisfied with the outcome from our internal dispute resolution procedures or we have not responded within 21 calendar days, you can refer the matter to the independent external dispute resolution scheme of which we are a member;

Australian Financial Complaints Authority
Phone: 1800 931 678
Mail: GPO Box 3, MELBOURNE VIC 3001
E-Mail: info@afca.org.au
Website: www.afca.org.au

5. Contact Us

Should you have any questions regarding any of the information found in this document, or have any other enquiries, please feel free to contact us.

Phone: 1300 189 823
E-Mail: apply@jfloans.com.au
Postal Address: PO Box 370, Indooroopilly QLD 4068

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 - See More
    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. - See Less
  • Super easy and fast system, applying was seamless and money was instant!
    Super easy and fast system, applying was seamless and money was instant! - See Less
  • Fast, reliable service had money in acc same day
    Fast, reliable service had money in acc same day - See Less
  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
  • Brilliant service and quick action during application process the best there can be when it comes to quick loans.
    Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
  • 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. - See More
    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 ! - See Less
  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More
    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
  • 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 - See More
    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. - See Less
  • 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 - See More
    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. - See Less
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If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.