Discover Jacaranda Finance

cash

CASH TO YOUR BANK

We give you the outcome of your application with 60 minutes
timer

FAST APPROVALS

Quick Turnarounds & Decisions
$300 $4600
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Need Mortgage Refinance? We have you covered.

Mortgage Refinance

Debt Consolidation Mortgage Refinance

If you are in debt like thousands of other Australians, then refinancing your existing mortgage or home loan may be a solution for you.

Debt Consolidation Mortgage Refinance uses the equity available in your property to repay other high interest debts. It may allow you to package your current monthly repayments from all your debts into one convenient repayment. This means you end up paying less each month. A mortgage refinance may be available to you even if you fit into one or more of the following categories:

Jacaranda understands that everybody’s personal financial situation is unique to them, so let us help you assess your situation and provide you with the solutions that may be available to resolve your debt.

How does mortgage refinance work?

A mortgage refinance is the process of applying for a new loan on your current property and using this new loan to pay out your current mortgage and any other debt you may have.

How does mortgage refinancing benefit you?

The benefits of mortgage refinancing may include:

Consolidate your debt through a mortgage refinance

A mortgage refinance is often used to consolidate credit card and personal loan debt. This is because a mortgage loan is usually available at a substantially lower interest rate than the interest rate you pay on your credit cards or personal loans.

By consolidating all your debts under your mortgage you will only have to make a single repayment instead of making multiple repayments each month. In addition, you may end up paying less each month than you are currently. This helps many people manage their finances more effectively.

When applying for mortgage refinancing

When applying for a mortgage refinance loan make sure:

What are you waiting for?

Contact us now to speak with one of our debt reduction specialists today.

Joshua Wessels Australian Credit Representative Number 478409 an authorised Credit Representative of Diversifi Pty Ltd ABN 42 132 845 624 Australian Credit Licence 364403

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.

Terms

16
weeks minumum
50
weeks maximum

Example:

Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Mortgage Refinance Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

★★★★★
5 5 1
Very fast easy to apply thank you so much