*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Every year, banks fail millions of Aussies who need to borrow money. They tend to have very rigid processes for assessing applications and don’t think outside the box.
When the banks decline you, even if you’re in control of your finances, come and talk to us. While we might not be your first choice, you’ll always be our number one priority.
Our state-of-the-art assessment technology looks at more than just your credit score. Our customer service team is available to chat six days a week, and services are available online 24/7.
A personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence. Applying is Quick & Easy Ready to get started? Apply now.
As you navigate the process of applying for a personal loan, you’ll likely come across the terms secured personal loan and unsecured personal loan. At Jacaranda Finance, we offer both secured and unsecured personal loans, so you can make the decision that is best for you and your needs. What is a Secured Loan? A secured loan is a personal loan that uses an asset – usually a vehicle – as security. By using an asset as security, you may be able to access different loan options compared to if your loan was unsecured. For example, you may be offered lower interest rates, higher borrowing limits or longer loan terms. What is an Unsecured Loan? An unsecured loan is a personal loan that doesn’t require any asset as security. It’s a simple, flexible option if you prefer not to use a vehicle or other asset as collateral.
By submitting a full application for a personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you. How to check if you qualify for a secured personal loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
A personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. A secured loan is a personal loan that uses an asset – usually a vehicle – as security. By using an asset as security, you may be able to access different loan options compared to if your loan was unsecured. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence. Applying is Quick & Easy Ready to get started? Click here and apply now.
By submitting a full application for a secured personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you. How to check if you qualify for a secured personal loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
Unlike traditional Rental Bond Loans which are issued by the government and have strict criteria, a Jacaranda Finance personal loan lets you borrow from $3,000-$25,000 and offers more flexibility for how you spend your funds. For example, you can use a personal loan to cover the cost of a rental bond, bond clean or other moving expenses.
A personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. An unsecured personal loan doesn’t require any assets as security. It’s a simple, flexible option if you prefer not to use a vehicle or other asset as collateral. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence. Applying is Quick & Easy Ready to get started? Click here and apply now.
By submitting a full application for an unsecured personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you How to check if you qualify for an unsecured personal loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your unsecured personal loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
Jacaranda Finance offers personal loans with fast assessment and same day outcomes2 as an alternative to payday loans. Our personal loans allow you to borrow from $3,000-$25,000 and pay it back over 25 months-36 months.
A debt consolidation loan refers to using a single fixed interest rate personal loan to combine and pay out multiple existing debts. This can include smaller loans, store cards and credit card debt with multiple creditors. You will be left with one single debt which means one predictable regular payment, one set of fees and one interest rate. Applying is Quick & Easy Ready to get started? Click here and apply now.
As part of our loan assessment process, we’ll reach out to you to confirm the details and payout amounts of any debts you wish to consolidate under your new loan. This information will be included in your loan contract. Once your contract is signed, your funds will be delivered in 60 seconds3. If you’ve elected to consolidate other debts as part of your loan, we can payout your debts directly to your creditors or transfer the funds to you to finalise the debts yourself.
A debt consolidation loan refers to a personal loan that can be used for consolidating other debts – subject to approval and lending criteria. By submitting a full application for a debt consolidation loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you. How to check if you qualify for a debt consolidation personal loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
Debt consolidation and refinancing both involve taking out a new loan to manage existing debt. The key difference is that consolidation typically combines multiple debts into one, while refinancing usually replaces a single loan (like a mortgage) with a better one. Either way, the goal is the same: to move to a more manageable and favourable loan that suits your needs.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
A same day personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence. Applying is Quick & Easy Ready to get started? Click here and apply now.
When life throws you a curveball, it can be tempting to look for any way to get funds fast. But not all loans are created equal, and it’s important to understand the differences before diving in. What is a Payday Loan? Payday loans are small, short term loans that are often associated with high fees and interest rates. The structure of these loans can make them very risky. Repayments often take a large portion of a borrower’s income, leaving little for other essential expenses. This can cause people to fall into a trap where they aren’t able to meet their repayment obligations. If this happens, it can become very difficult to break free from the cycle of debt due. What is the difference between payday and same day loans? Unlike payday loans which typically only cover small amounts and don’t take into account reasonable repayments for the borrower, same day loans are a personal loan that is able to be assessed and paid out in the same day if approved. Usually the maximum payday loan amount is up to $2,000. A Jacaranda Finance same day personal loan allows you to borrow up to $25,000. This means you can borrow more with confidence, knowing that you will only be approved if the repayments will be manageable for you to pay back. It could also mean better rates and longer repayment timelines.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
Yes, you can use a Jacaranda Finance personal loan to cover the costs of car repairs including mechanical work, new parts, servicing or emergency repairs. Once you are approved, you’ll receive your funds in 60 seconds3. You then control how this money is used.
A car repair loan refers to a personal loan that can be used for car repairs – subject to approval and lending criteria. By submitting a full application for a car repair loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you How to check if you qualify for a personal loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
A bad credit loan refers to a personal loan people with poor credit may be eligible for. A personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence. Applying is Quick & Easy Ready to get started? Click here and apply now.
Yes – at Jacaranda Finance, your credit score doesn’t define you. While traditional lenders continue to judge you for past mistakes even years later, we use a smarter, data-driven approach. By assessing bank transactions and application data in addition to your credit file, we offer faster, fairer and more personal lending decisions that reflect your real financial situation right now.
When you hear “cash loan” you might think of short terms, low amounts and high fees. But at Jacaranda Finance, we do things differently. Our personal loans allow you to borrow $3,000-$25,000 and our fast assessments mean you could get a same day outcome2, with funds in your account in just 60 secs if approved3. Applying is Quick & Easy Ready to get started? Click here and apply now.
By submitting a full application for a personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you. How to check if you qualify for a personal loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. Once approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
An online loan is a personal loan you can apply for entirely online. From application to approval and funding, the process is designed to be fast, secure and convenient, without the need for in-person visits or paperwork. If approved, you can manage your loan online through the customer portal or BetterCredit app. Applying is Quick & Easy Ready to get started? Click here and apply now.
You can apply through the BetterCredit app or online application form. You’ll need to provide some basic personal and financial information. Once submitted, we’ll review your application and let you know the outcome. Read more: How to apply for a personal loan with Jacaranda Finance
By submitting a full application for a personal loan online, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you. How to check if you qualify for a personal loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
When life throws you a curveball, it can be tempting to look for any way to get funds fast. But not all loans are created equal, and it’s important to understand the differences before diving in. What is a Payday Loan? Payday loans are small, short term loans that are often associated with high fees and interest rates. The structure of these loans can make them very risky. Repayments often take a large portion of a borrower’s income, leaving little for other essential expenses. This can cause people to fall into a trap where they aren’t able to meet their repayment obligations. If this happens, it can become very difficult to break free from the cycle of debt due. What is the difference between payday and weekend loans? Unlike payday loans which typically only cover small amounts and don’t take into account reasonable repayments for the borrower, weekend loans are a personal loan that is able to be assessed and paid out in the same day if approved. Usually the maximum payday loan amount is up to $2,000. A Jacaranda Finance same day personal loan allows you to borrow up to $25,000. This means you can borrow more with confidence, knowing that you will only be approved if the repayments will be manageable for you to pay back. It could also mean better rates and longer repayment timelines.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. Once approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
A holiday loan refers to a personal loan that can be used for holiday expenses – subject to approval and lending criteria. At Jacaranda Finance we offer fixed-term loans which allow you to borrow a set amount of money and repay it through regular instalments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence. Applying is Quick & Easy Ready to get started? Apply now.
A car loan is a fixed-term loan used specifically for buying a car. We pay the seller directly then you repay the amount you’ve borrowed through regular installments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence. Applying is Quick & Easy Ready to get started? Click here and apply now.
With a Jacaranda Finance car loan, you can borrow up to $3,000-$30,000 and pay it back over 25 months - 48 months.
By submitting a full application for a car loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you. How can I check if I qualify for a car loan? If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. Once approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
It depends on how much you’re borrowing. At Jacaranda Finance, if you’re looking to borrow less than $10,000, comprehensive insurance isn’t required as a condition of the loan – although we strongly recommend having appropriate cover to protect yourself and your vehicle. If you're looking to borrow $10,000 or more, you’ll need to have comprehensive car insurance before your loan can be finalised. This is because your car is used as security for the loan, it must be protected against damage, theft, accidents or write-off. Before your loan can be finalised, you’ll need an active comprehensive insurance policy with at least $10,000 in cover. Your insurance needs to start from the day you take possession of the vehicle. Is third-party insurance enough for a car loan? If you’re looking to borrow less than $10,000, comprehensive car insurance is not a requirement for your loan. If you’re looking to borrow $10,000 or more, you must have comprehensive insurance, which covers damage to your own vehicle as well as other vehicles and property. If you have any questions about what level of car insurance you require, including if you’re unsure whether your current car insurance policy meets these requirements, get in touch with our friendly customer support team.
An interest rate is the cost of borrowing money shown as a percentage. For loans, it’s how we calculate the cost of borrowing over time. At Jacaranda Finance, all of our interest rates are fixed, meaning they will stay the same for the life of your loan.
Our interest rates are decided when you apply by our clever tech. It looks beyond just your credit score to understand your real financial health, including using extra information from your bank statements to see how you’re managing your money today – not just your past.
Using our loan repayment calculator you can estimate your repayments before applying. Missed Payment Fees For every missed payment, a fee will be applied. This cost is added to the account balance and can be paid with the next repayment cycle. If you’re concerned you’ll miss a repayment before the next due date, please contact our customer support team as soon as possible.Before you apply for a loan with Jacaranda Finance, it’s important to consider that additional fees could apply. This includes set fees such as our establishment and monthly fees and possible one-off fees such as a risk fee (if applicable this fee will be applied to your balance at the start of your loan) or missed payment fee. If you have any questions about our fees please contact us at i******@j****** or give us a call at 1300 189 823.
You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.
If you have any questions about our rates or fees, our customer service team is here to help. Contact us at h******@j****** or give us a call at 1300 189 823.
Our Loan Repayment Calculator compares your desired loan amount, repayment schedule and loan terms against our average comparison rate to provide you with an estimated total repayment including interest & fees. If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
To calculate your estimated loan repayments, our Loan Repayment Calculator compares your desired loan amount, repayment schedules and loan terms against our average comparison rate. To get a more specialised quote with no impact on your credit score*, simply click the “Get Started Now” button on the calculator or click here to check if you qualify.
If you have any questions about our rates or fees, our customer service team is here to help. Just send them an email at h******@j****** or give us a call at 1300 189 823.
To be assessed for a loan from Jacaranda Finance, you must meet the following basic eligibility criteria: If you are unsure whether you’re eligible, you can check if you qualify with no impact on your credit score*.
No, our products are safe from having hidden fees or charges. Once approved, you’ll be able to find all costs, fees and charges associated with our loan products in your loan contract. Note that you’re under no obligation to accept the loan – if you change your mind after approval but before accepting the contract you can withdraw at no cost.
Yes, as a responsible lender we do carry out credit checks on eligible applications. Don’t worry though, we don’t let this number define you. We look at a number of factors to best determine if a loan is both affordable and suitable for you.
Once you’ve been approved for a loan, an account is automatically created for you. You can find instructions on how to set this up in your email.
Once you’ve set up your account, you can manage your loan through the BetterCredit app or online portal.
You can make a complaint or provide feedback to Jacaranda Finance via phone, email or SMS. You may also complete the contact form on our website. Read more: Feedback and complaints
No. Making a complaint to Jacaranda Finance will not impact the outcome of your loan application, your repayment arrangement or your credit score. Read more: Feedback and complaints
After you contact us, within 1 business day we’ll notify you in writing that we’ve received your complaint. Please note that we always do our best to resolve your complaint immediately, but sometimes that may not be possible. If we are able to resolve your complaint within 5 business days, we will notify you of the resolution via the method which you made the complaint if possible. At most, Jacaranda Finance will provide an outcome within 21 days of receiving your complaint. If the complaint cannot be resolved or addressed within the 21 day time frame, we will notify you in writing the reason for the delay and attempt to resolve the complaint as soon as practicable.
Read more: Feedback and complaints
Phone: 1800 931 678
Email: i******@a******
Hours: 9:00am-5:00pm AEST/AEDT Weekdays
Read more: Feedback and complaints
Financial difficulty occurs when you’re having trouble meeting your regular repayments or other financial obligations.
Financial hardship occurs when you can’t meet your repayment obligations for a period of time. Financial hardship or difficulty may be caused by a number of factors. This could be because of an unexpected event or unexpected change (such as illness or injury, becoming unemployed or being affected by a natural disaster or a pandemic).
Read more: Our hardship policyIf you’re experiencing difficulty making your loan repayments – whether due to unexpected life changes, financial stress or events such as fire, flood or other natural disasters – we’re here to help. Learn more about our approach to financial hardship or get in touch with our team directly by using the contact details below, completing the contact form on our website or contacting us through the Jacaranda Finance BetterCredit app.
To apply for a loan with Jacaranda Finance: Ready to get started? Click here and apply now. Read more: How to apply for a loan
To be eligible for a loan from Jacaranda Finance, you must: If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. Read more: Eligibility FAQ
You can apply now for a loan with Jacaranda Finance on our website or using the BetterCredit app.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1. If you apply before 3:00pm, you could get a same day outcome2. Ready to get started? Click here and apply now.
Once you’ve been approved and have accepted your loan contract, we’ll automatically attempt to release the money to your account. Most customers get paid in 60 seconds3.
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. When you check if you qualify, we will do a soft credit check to access your credit report and determine your eligibility. This will not affect your credit score* and will only be visible to you – not other lenders. If you’ve qualified, you’ll then be given the option to submit an application with Jacaranda Finance. By submitting a full application, you authorise Jacaranda Finance Pty Ltd to do a hard credit check, which could impact your credit score. This means we will have access to your full credit file and other lenders will be able to see that you applied for a loan with Jacaranda Finance. Read more: Credit scores explained
We offer two main products at Jacaranda Finance: For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.
With a Jacaranda Finance personal loan you can borrow from $3,000-$25,000 and pay it back over 25 months or 36 months. With our car loans you can borrow from $3,000-$30,000 and pay it back over 25, 36 or 48 months. For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.
Your repayments are decided by several factors, including the amount you borrow, your loan term, interest rate and more. If approved, you will be able to view your repayment amount and frequency in your loan contract prior to accepting your loan. Our Loan Repayment Calculator compares your desired loan amount, repayment schedule and loan terms against our average comparison rate to provide you with an estimated total repayment including interest & fees. If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
Regardless of the outcome of your application, we’ll always communicate with you. Keeping an eye on your SMS or email can help you stay updated. If it’s been a couple of days and you haven’t heard from us since hitting submit, your application may be with our assessment team or waiting to receive supporting information or documents. If it’s been longer than a couple of days or you have any questions regarding your application, our friendly customer support team is here to help.
Yes, you can withdraw your loan application at any point. To cancel your loan application please contact us by phone, email or SMS – or by completing the contact form on our website. If you’ve already received your funds, we offer a 48-hour cooling-off period for all loan products. Anyone unsatisfied with their loan for any reason can return the total principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan at no additional cost4.
At Jacaranda Finance, your privacy and security when applying online is our priority. We work hard to protect your personal information from unauthorised access, alteration, disclosure or destruction. Our systems are secured, encrypted and monitored daily for any threats. With this considered, Jacaranda Finance would like to remind all customers that they should stay vigilant at all times when it comes to protecting their personal accounts. Jacaranda Finance will always contact you from 07 2101 4030 for customer support, or from an email address ending in @jacarandafinance.com.au or @jfloans.com.au. From time to time we may send marketing materials from the following contacts:
Rather than rely solely on credit scores, our clever tech uses current information about your financial situation to get a better picture of your financial health right now. One of the ways that we do this is by assessing your bank statements. This is also one of the ways we act as a responsible lender, by ensuring that you can comfortably afford your loan repayments. Don’t worry, we’re just looking. We can’t make any changes or transactions. Still not sure? Our customer support team is here to answer any questions.
If your application has been withdrawn, it’s usually because we haven’t received the necessary supporting documents or information from you. To avoid this, stay up to date with the status of your application in the BetterCredit app or online portal. Other common reasons for withdrawing your application include: Your application will generally be withdrawn 14 days from the last document request notification, if during that time we haven’t heard from you or received the required information. Have questions about your application or haven’t heard from us in a while? Our customer support team is here to help.
The easiest way to manage your loan is through the BetterCredit app or online portal. Here you can: Download the BetterCredit app from the Apple Store or Google Play Store today.
When you are approved for a loan with Jacaranda Finance and accept your loan contract, we will automatically set up direct debits to deduct your repayments from your bank account in line with your pay cycle. You can track repayments and your outstanding amount in the BetterCredit app or online portal. To make changes to your repayment schedule, please contact our friendly customer support team.
If you’re finding it difficult to make a repayment, we encourage you to contact us as soon as possible. Getting in touch early can help us understand your circumstances and, where appropriate, discuss available options. If you miss a repayment, a $35 late payment fee will be applied to your account. If this happens, our friendly support team will attempt to contact you within a reasonable timeframe to notify you of the missed payment and discuss your situation. Depending on how long your payment is outstanding, additional consequences may apply. If your circumstances have changed or you're experiencing financial hardship, it’s essential that you contact us as soon as possible. Our customer support team is trained to assist you but can only do so if they are aware of your situation. We’re here to support you and help get you back on track.
If you want to adjust your loan repayments, you can submit a request via the BetterCredit app, online customer portal or by contacting our friendly customer support team.
When you’re accepted for a loan with Jacaranda Finance, certain fees may apply in addition to interest rate. These include:
To update your personal details, make changes to authorised users or discuss changes to your repayment schedule, you will need to get in touch with our friendly customer support team.
You can find your outstanding loan balance by logging in to the BetterCredit app or online customer portal.
If your application is approved, we’ll send your loan contract to your email to be signed. Once you’ve signed your contract, a copy will be emailed to you. You can also find your loan contract at any time by logging in to the BetterCredit app or online customer portal.
Yes, Jacaranda Finance takes part in Comprehensive Credit Reporting (CCR). This means reporting both positive and negative information to credit reporting agencies, as well as using CCR as one of our assessment tools for reviewing loan applications. For more information on what Comprehensive Credit Reporting is and how Jacaranda Finance utilises it, visit our guide to Comprehensive Credit Reporting.
You could have up to one personal loan and one car loan with Jacaranda Finance at a time, pending approval. Current Jacaranda Finance customers have the option to apply for a new loan. To access extra funds, you will need to complete a new loan application, which is subject to a full credit assessment and our lending criteria. If approved, you’ll receive a new loan contract covering the balance of your existing loan, plus the new credit amount. Funds delivered in 60 seconds3 to your nominated bank account. You can apply now for a loan with Jacaranda Finance on our website or using the BetterCredit app.
Phone: 07 2101 4030You can reach our friendly (and human) customer support team directly during business hours by using the contact details below, completing the contact form on our website or contacting us through the Jacaranda Finance BetterCredit app. Please note, if you contact us outside of our office hours you may speak with our automated assistant.
Email: h******@j******
Yes, you can apply for a loan with us even if you have other financial commitments already. At Jacaranda Finance, responsible lending is a core part of who we are. Once you submit an application we will conduct a credit assessment, where we will verify your income and any other financial commitments you currently have. Provided our assessment determines that you could comfortably afford our loan repayments, you may receive a loan offer from us. Read more: How to apply for a loan
Yes, you can apply for a loan with Jacaranda Finance if you receive Centrelink or other government benefits; however, to be eligible to apply we require that the majority of your income be paid by an employer. This means, you will need to receive 51% or more of your total income from: To qualify, the income must be paid into your bank account consistently and regularly. In some scenarios, we may need to conduct an employment check with your employer to verify your income. Unfortunately, if your sole source of income is Centrelink or other government benefits, you do not qualify to apply for a loan with Jacaranda Finance at this time.
Yes, some visa holders are eligible to apply for a loan with us. Our eligibility criteria requires you to be an Australian citizen, permanent resident, or the holder of a temporary visa in one of our eligible visa subclasses. Eligible Visa Subclasses Include: Family and Partner Visas Skilled and Work Visas Specialised and Other Permanent Visas Your visa details will be verified once your application has been submitted, as part of our standard credit assessment process. Ready to get started? Click here and apply now.
100, 103, 115, 116, 124, 143, 801, 804, 835, 836, 864
132, 151, 155, 157, 186, 187, 188, 189, 190, 191, 461, 482, 489, 491, 494, 887, 888
858, 890, 891, 892, 893
If a bank has said no, we may still be able to help. We look at things beyond just your credit score, like how and where you spend your money, to help more Australians access fair, fast and flexible finance – even when the banks won’t.
So if the bank has said no, give us a go!
How to check if you qualify for a personal loan?
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
While a credit report provides a snapshot of your financial track record, comprehensive credit reporting offers a more complete picture. With comprehensive credit reporting (CCR), lenders can see more than just past mistakes. Your credit report could also include positive information, like whether you make repayments on time and how much credit you’re using. It’s another way that we can assess how you’re managing money today – not just your past. Read more: What is Comprehensive Credit Reporting?
If a traditional credit report is your score on the final exam, comprehensive credit reporting is your study habits, classes attended and grades. This means that a mistake in your past doesn’t have to define your future. Instead, with CCR lenders can see the big picture. It also means that with good financial habits, your credit score could improve.
Unlike a traditional credit report which only includes any mistakes you’ve made, comprehensive credit reporting records both positive and negative credit behaviours. This could include whether you make repayments on time and any financial hardship variations you enter. Read more: What is Comprehensive Credit Reporting?
Repayment history information is generally shown for up to 24 months. This includes whether repayments were made on time or late during that period. Note that if you miss a repayment, make a late payment or default on your loan, this may appear separately on your credit report.
Checking your credit report can help you to better understand your credit position. You can access your credit report for free every 3 months (or more frequently however costs may apply) through a credit reporting agency such as Equifax or Experian, or a third-party service such as ClearScore. In order to access your credit report, you may be required to verify your identity.
A credit score (also known as a credit rating) is a 1-4 digit number that reflects your credit worthiness and how reliable you are when borrowing money and repaying it. Higher scores indicate a positive credit history while lower scores signal more risk to lenders. Read more: Credit scores explained
In Australia, you can check your credit score for free through major credit reporting bodies Equifax or Experian or third-party sites like ClearScore. Read more: Credit scores explained
Credit scores are calculated using information from your credit report, including: Read more: How to improve your credit score?
When you apply for a loan, lenders use your credit score to help them assess your application. This includes: A lower credit score could make it more difficult to be approved for new credit and is often associated with higher interest rates. A higher credit score could improve your chances of a successful loan application and potentially give you access to better rates and more flexible terms. Read more: How to improve your credit score?
No, checking if you qualify uses a “soft” credit check meaning it does not impact your credit score or appear on your credit file to anyone but you. We recommend checking your eligibility before applying for a loan where possible to reduce the number of applications on your credit report.
A single loan application typically has only a small, temporary impact – especially if you have a good credit history. Applying for multiple loans at once could have a more significant impact, due to the risk it signals to lenders. As a result, it’s recommended that you do your research prior to applying and limit the number of lenders you apply to at a time. Read more: Does applying for a loan affect your credit score?
You can improve your credit score by consistently demonstrating positive credit behaviour over time. This includes doing things like making repayments on time, keeping your debts manageable and avoiding applying for multiple credit products at once. While improving your credit score doesn’t happen overnight, following healthy financial habits over time can make a meaningful difference. By showing you are responsible with your money, you could also improve your chances of being approved for a loan, even if your credit score isn’t great. Read more: How to improve your credit score?
Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.
We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.
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