Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
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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.


Get your questions answered

We have a very basic set of eligibility requirements. You must:

  • Be over 18years of age
  • Receive a regular income into a personal bank account for at least 3 months prior to applying
  • Be an Australian resident, or have permanent residency
  • Have a direct contact number

YES! All of our loans are assessed on affordability and suitability. So just because you’re receiving Government benefits doesn’t mean you can’t get access to some extra cash.

Applicants who receive Centrelink as their sole source of income will be restricted to no more than a $1000 loan for their first loan.

Most of the time, we do not require you to get us copies of bank statements, pay slips and other time consuming documents.
We utilize the latest and safest banking and identification technology that will obtain 90 days of bank statements online in seconds and confirm your identity online. In some cases, you will be required to supply a hard copy of these documents.

In some cases we do conduct employment checks, generally on new customers. Our highly trained operators are very discrete and would never disclose any personal information about you or your loan application.

As a responsible lender, we do carry out a Credit Check on eligible applicants. We are more lenient than traditional institutions such as Banks; however, we too have ideals to follow. As long as your current financial situation is looking good, we will happily consider your loan application.

Applications can be submitted 24 hours a day via our website application form.
Our office hours are Monday to Thursday 8am to 6pm, Friday 8am to 4-m and Saturday 8am to 12pm.
If your application is submitted outside of business hours, you will be contacted within 2 business hours of the next business day.

We release the funds within 60 minutes of approval. Depending on what bank you bank with will depend on how quickly you receive these funds. If you are with one of the bigger banks, the funds are normally available within 1 business hour providing your approval is finalised before 3pm Sydney time. If by chance you are not with one of the bigger banks we will still release your funds within 60 minutes of approval, however it will not appear in your account for up to 24 hours.

That’s ok – it happens to the best of us. Here are some things you can try.
MOBILE: Make sure you’ve entered your mobile number correctly (e.g. 0432001555) and that you have signal.
EMAIL: Please double check your email address is correct. We can’t tell you how many times people enter gnail or spell their name wrong.
BANK DETAILS / LOGIN: Check that you’ve used your internet banking login details and not your banking app login details – these often differ slightly.
INCOME AMOUNT: Won’t you quickly check that you’ve entered just the amount, e.g. 500, and haven’t added a $ sign or any words like ‘per week’. You can also try rounding your income up so there are no comma’s or cents. Example 500, rather than 499,50.
CENTRELINK: We don’t usually do this, but let’s see if we can process a manually submitted statement for you.
If you log on to your online account with Centrelink or My Gov, you can go to the “Request a document” tab.
Download the “Detailed Income and Asset Statement”

If you are using your phone you can take screenshots of the document via the Centrelink App and send these through to us as well.

We are very transparent with the fees and costs associated with our loans. Everything is out in the open. The only costs to the loan are:

  • Establishment fee: 20% of loan principal.
  • Flat monthly fee: 4% of loan principal.
  • Direct debit dishonor fee: $35 per dishonor.

Repayments could not be easier! Once your loan is approved, we set up a customized direct debit schedule in line with your income. Once your loan has been paid in full, the direct debits will stop automatically.

There is a common misconception that small lenders charge hundreds or even thousands of percent in interest, fees and charges. We don’t. Our costs are simple; we charge a 20% establishment fee and a 4% flat fee per month. Try out our loan calculator to get an idea of loan repayments.

If you are unable to make a repayment it is very important that you contact us straight away. In most cases we can come to an agreement that works for both parties. We require at least 24 hours notice if you are unable to make a scheduled repayment. 

Call: 1300 189 823

If you breach your contractual repayment, a $35 fee is added to the balance of your loan. It is very important to get in contact with us as soon as possible if a payment declines.

We may pass your account onto an external debt collection agency. This is a last resort and we will legally be entitled to register a default on your credit file. This default will not be removed from your credit file for 5 years. It is very important to get in contact with us as soon as possible if a payment declines.

Financial Hardship is when a change in circumstances has affected your income in a way that prevents you from meeting your financial commitments such as bills, expenses and loan repayments. We understand that circumstances can change very quickly and we ask that you advise us of these situations.

If you are finding it hard to manage your finances we urge that you consult with an accredited financial adviser or visit the following website

If you need to apply for Financial Hardship assistance, you will need to supply supporting documentation. These supporting documents can vary depending on your individual circumstances. We may need to see part or all of the following documents:

  • Separation certificate (if employment termination has occurred)
  • Bank statement for the previous/current month
  • Centrelink benefit papers (if applicable)
  • A budget
  • Proof of bills (phone, utilities etc)

It is important to contact us and find out what documents are required for your particular circumstance. Please contact us on 1300 189 823. We can allow up to 21 days for you to get us your supporting documents to support your request.
If you do not hear back from Jacaranda within 21 days of submitting your Financial Hardship application please confirm with us that we have received all documentation. You can also forward a complaint to The Credit Ombudsmen Service on 1800 138 422 or visit for more information.

Yes. Jacaranda Finance has recently switched payment providers. You may notice Direct Debits with details of SQUAREPAY 500298 on your bank statement.

All of our loans are assessed on affordability and suitability. In some circumstances we are able to lend you more money, even with an outstanding balance on a current loan. Get in contact with us today to see what options you have available.

Unlike a Payday Loan or a Cash Advance, our Personal Loan repayment period is suitably long to give you some breathing space while repaying. This means your repayments will be lower, and in most cases less finacnially straining than the Payday or Cash Advance loan you may have used in the past. We are also able to assess your situation based on a higher loan application amount, as the repayments are spread out over a longer time frame.

YES. If you are a current or undischarged bankrupt we will not automatically count you out. Just because you have made some mistakes in the past, doesn’t mean you can’t get access to some extra cash. The only two requirements are that it was been at least 12 months since you entered bankruptcy and you are now in a strong financial position handling other unsecured commitments.

No. Unfortunately, we will not lend to you if you are in a Part 9 Debt Agreement.

A SACC is a Short Term Credit Contract which is defined in the National Consumer Credit Protection Act (NCCP Act) as being a loan amount of not more than $2,000 set up to be repaid over a term of not less than 16 days and not more than one year.

We want you to be happy with the service and products you receive from Jacaranda. If you are not happy with our service or anything else, we would like you to let us know. You can contact us using the following:

Call: 1300 189 823
Write to us: PO Box 370, Indooroopilly, QLD 4068

We will then be in touch with you quickly to come to a result that works for both of us. If you are still not satisfied with the outcome you can contact the Credit Ombudsmen Service Limited for an independent review.

Once we have determined you are suitable for one of our loans, we simply ask that you have sufficient funds in your account on our withdrawal dates. We set these dates up in line with your pay so as to ensure there are sufficient funds in your account when we take the repayment. If you need to check these dates, please refer to your loan contract.

If there will be insufficient funds in your account, it is important to get in touch with us immediately so as to avoid further fee’s and charges.