Consolidation Loans

Consolidation Loans

Tick100% Online
TickSimple & Easy Application
TickFast Outcomes
TickInstant Transfers
TickBad Credit OK

Any credit score

How much do you need to borrow?

$5,000

106 people have applied today

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Our customer rating

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Need to consolidate your debt?

If you have multiple debts you want to get rid of, you may be after a personal loan for debt consolidation. Luckily, you’ve come to the right place! Jacaranda Finance is an inclusive online lender that specialises in delivering reliable, convenient, and simple personal loans for debt consolidation. We consider other factors than just your credit history, so you could be approved for a personal loan, even with bad credit.

Why choose Jacaranda Finance?

An award-winning online lender, Jacaranda Finance has an incomparable reputation for providing everyday Aussies with financial services. Utilising our innovative loan processing engine, we offer personal loans from $300 to $10,000. We are 100% online, meaning that you can apply anywhere, anytime in Australia for a fast cash loan.

Need to consolidate your debt?

If you have multiple debts you want to get rid of, you may be after a personal loan for debt consolidation. Luckily, you’ve come to the right place! Jacaranda Finance is an inclusive online lender that specialises in delivering reliable, convenient, and simple personal loans for debt consolidation. We consider other factors than just your credit history, so you could be approved for a personal loan, even with bad credit.

Why choose Jacaranda Finance?

An award-winning online lender, Jacaranda Finance has an incomparable reputation for providing everyday Aussies with financial services. Utilising our innovative loan processing engine, we offer personal loans from $300 to $10,000. We are 100% online, meaning that you can apply anywhere, anytime in Australia for a fast cash loan.

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Get your cash in 60 seconds once approved*

Get a quote

How Jacaranda’s debt consolidation loans work

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Our tech

We've won numerous awards for our state-of-the-art technology. We have created one of Australia's smartest, 100% online application processes to make applying for a loan quick and easy. We use technology to understand your personal financial position, and we don't just judge your credit score, which is why we're able to help more customers that apply with us.

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Our speed

The 100% online application can be completed in minutes, and will ask you questions about your personal situation as well as automatically request access to read-only copies of your bank statements. 90% of applications have an outcome at the end of the process. The rest of the applicants typically have an outcome within 60-minutes* during normal business hours.

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Australian based and family owned

All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in Australia, which is backed up by our reviews on every review platform. We're almost 10 years old and we've been family owned since the beginning. We value good old-fashioned values and we are committed to giving our customers the best experience possible.

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60-second payouts

For most clients who have NPP-enabled bank accounts (which is 90% of bank accounts), the funds will be available and ready to use in your bank account within 60-seconds** of accepting your contract. If you do not have an NPP-enabled bank, you will receive your funds overnight on the day you are approved.

3 types of debt consolidation loans

Loan Type Security Options Loan Amount Loan Term
Small Loan Unsecured $300 to $2,000 12 months
Medium Loan Secured $2,100 to $4,600 13 to 24 months
Large Loan Secured $5,000 to $10,000 13 to 24 months

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Why consolidate your debt?

If you’re considering a debt consolidation loan, you might be unsure about whether it’s the right move for you. Here are some of the reasons that people choose to consolidate their debts, and why it might be suitable for you.

Easier to manage repayments

Managing your debt becomes a lot easier with our single repayment schedule. Our standard repayment method is direct debit and is generally set up on the same day as your payday.

Simplify your debt

Instead of keeping on top of multiple debts, you only have one interest rate and one set of fees to worry about.

No early repayment or exit fees

Want to pay out your loan early? No worries - we don’t charge early payout or exit fees on our debt consolidation loans.

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

  • Personal details (i.e. Name, Address, DOB)
  • Your phone number and email address
  • The reason for your loan
  • Online banking and employment info

How to get approved for a debt consolidation loan

Use our 100% online application

If you’re ready to apply for a debt consolidation loan, Jacaranda Finance is ready to help you. To apply, follow these three simple steps:

  1. Apply online;
  2. Get your quick outcome, and;
  3. Receive your cash.

Have your supporting documents handy

To help us process your loan as fast as possible, it can be handy to have all your supporting documents ready before you apply. As mentioned, this information includes:

  • Basic personal information;
  • The reason for your loan;
  • Online banking login details and employment information.

Sign your electronic contract

Once we receive your signed contract, we transfer your funds. We’re fast, so make sure you have your phone available to sign your electronic contract when it comes through to your email.

Be available if our team needs extra information

To process your application, we might need extra information from you. To give you the fastest outcome, please make sure you’re available to give any additional information we may ask for.

Frequently asked questions

* If applied within our standard business hours. 60-minute outcomes are not guaranteed.

** If you have an NPP-enabled bank account.

A lender you can trust

Jacaranda Finance is the online lender giving Aussies a fair go. We believe in honesty and transparency. We don’t hide our fees and charges. So, you can rest easy knowing you’re in safe hands. The best part is you can apply 100% online without the stress of pages and pages of unnecessary paperwork. Our online application form could only take you a few short minutes to complete. You can apply wherever you are and whenever you like. Jacaranda is built for Aussie borrowers on the go!

At Jacaranda Finance, we take a fresh approach to assessing personal loan applications. Our team understands that people and circumstances change. Why should you be judged on a mistake you made up to 7 years ago! If our team can see you have made an effort to reconcile bad credit then you could be eligible for a bad credit rating loan. The best part is an application with Jacaranda is free of charge. That means we’ll assess your application and get back to you with a speedy outcome, without any initial fees.

Contact Us

If you’ve got any questions about our debt consolidation loans, you can get in touch with our friendly and helpful customer service team. To speak to someone directly, you can give us a call on 1300 189 829 between 8am to 6pm, Monday to Friday. If you have a query outside of these times — simply send an email to apply@jfloans.com.au

Loan purposes

You can spend your loan on just about anything. If you haven’t yet decided on how you plan to use your loan, we’ve listed a few ideas: