Here at Jacaranda Finance, we’re personal loan specialists. We’re proudly Australian owned and operated by Australians, for Australians. We’re an inclusive, responsible lender with some of the smartest loan technology in Australia, making it fast and easy to apply for a loan with us.

Our dedicated loan specialists are committed to delivering fast outcomes in just 60-minutes*. If your loan is approved, most customers have the money in their bank account and ready to use within 60-seconds** of signing their contract.

Got any questions? Read through our frequently asked questions for the answers.

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To provide you with the best offer, we need to understand your financial position before we can provide you with a rate offer. Once you complete an application with us, we’ll provide you with our best offer possible.

Making repayments is easy with Jacaranda Finance. We’ll set up a direct debit when your repayments are due, usually in line with your pay cycle. This means you don’t have to remember to make your payments each week, fortnight, or month. When your loan has been paid in full, the direct debits will stop.

If you miss a loan repayment, it’s important you get in touch with our customer service team as soon as possible so they can assist you. If you miss a repayment and do nothing about it, you could pay additional fees, interest, and charges.  

If you think you’re going to miss a loan repayment before the due date, contact our customer service team as soon as possible – at least 24 hours before the repayment is due so they can assist you. We have a number of options to help you as well as keep your loan on track.

Yes you can. The best part? There are no fees to pay out your loan early. All you need to do is contact our customer service team or log into your client portal and choose an option that is easiest for you. The quicker you pay out your loan, the less you will pay in interest and fees.

We offer a range of unsecured and secured loan options depending on your financial position. All applications go through the same application process and assessment of unsuitability.  

If you provide security (most of the time, a car that you own), it could give you access to higher loan limits, longer loan terms, and unlock better interest rates.

Yes. Having other loans doesn’t automatically rule you out from being approved for a Jacaranda loan.  

Every application we receive goes through a thorough assessment of unsuitability. One of our processes is to ensure that you can comfortably afford your Jacaranda loan should you be approved.

In order to qualify for a Jacaranda loan, you must have been discharged from any form of bankruptcy for at least 12 months. This includes Part 9 (IX) Debt Agreements.

To qualify for a Jacaranda personal loan, your main source of income can’t solely be Centrelink. Some Centrelink payments can be used as secondary income, however, more than 50% of your primary income must come from an employer or form of work.

We lend to people with bad credit, good credit, and no credit rating.  

Our loan products are relative to your current financial position. The better your financial position, the better rate we can offer you. As an inclusive lender, we don’t rely solely on your credit score for you to qualify for one of our loans. We value numerous other pieces of information such as your ability and history of handling your current financial commitments.  

If you have a bad credit rating but you consider yourself creditworthy and you want to rebuild your credit history, we encourage you to submit an application for our experienced team to consider.

Jacaranda’s personal loans can give your account the boost it needs to cover a range of large or unexpected expenses, including:

Once you’re approved, we will send you a loan offer. You’ll receive an electronic contract to review and accept. Once the contract has been accepted, we release the money straight away. Most customers have the money in their bank account and ready to use within 60 seconds** of signing their contract.

Jacaranda is a 100% online lender and we offer 24-hour loan processing, meaning you can apply 24/7.  

Most of the time, 80% of applicants will get an outcome at the end of the loan application. For the remainder of applications, we usually require additional information. They can expect an outcome within 60 minutes2 during normal business hours once we have received all of the information we require.  

Most approved customers have the money in their bank account and ready to use within 60 seconds3 of signing their contract.

Your loan repayment will be determined by how much you borrow, how long the term is, and the fees and charges associated with the loan.  

To get an estimate of what your repayments could be, use our easy loan calculator. However, please note that the actual repayments along with an explanation of all fees and charges will be provided in your loan offer.  

Once you’ve received a loan offer, you can accept it by digitally signing your contract. Your repayments are then set up in line with your income and direct debited out of your bank account automatically, so you don’t need to try and remember to pay them when they are due.

The fees and charges will vary depending on a few factors including the amount you apply for, the loan term, your credit rating, and the strength of your application.  

Once you have completed an application, we’ll provide you with an offer. This offer will include all the details in relation to the loan including the amount, term, fees, charges, as well as the terms and conditions. Submitting an application with us does not cost you anything and any offer is non-binding.

Once they’ve completed our simple online application form, 90% of applicants will receive an instant outcome. The rest of our applicants will receive an outcome in 60-minutes2 during business hours.

Jacaranda Finance offers loans from $2,500 to $15,000 with loan terms up to 24 months and flexible repayment options. Complete our quick and easy application form today and our team will ensure you get a fast outcome.

Yes, we do perform a credit check. This is because performing a credit check is a part of every responsible lender’s application process. However, credit checks play a small role in our decision making. Our loan products are relative to your current financial position – the better your financial position, the better your rate gets. We will never perform a credit check without your express consent which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for 7 years and it can be supplied on demand. There are four credit reporting bodies we may use:  

Equifax Pty Ltd (Equifax)
T: 13 8332

Experian Australia Credit Services Pty Ltd (Experian)

Illion (formerly Dunn & Bradstreet)
T: 1300 734 806

TaleFin Pty Ltd (Formerly Lend Guard)

Here at Jacaranda Finance, we look at more than just your credit score to determine your eligibility for a personal loan. That’s why, during the application process we’ll ask you for your online banking details so we can access a safe and secure read-only copy of your bank statement. This allows us to get a better understanding of your spending habits, income, and existing financial commitments so we can make sure that our loans are affordable for your budget and suitable for your personal needs. We’re home to state-of-the-art technology that ensures your information will be encrypted and stored securely

We require the following information when you apply through our 100% online application:
  • Basic personal information (i.e. full name, address, D.O.B)
  • Online banking details
There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you.

To be eligible for a personal loan with Jacaranda Finance you need to meet the following criteria:
  • Be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Have a consistent income into your bank account for the last 90-days
  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

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

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

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.


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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

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.

Brendan Lau88 – GOOGLE REVIEW

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, if you need some help navigating what the best loan is for you, our friendly team is more than happy to answer any questions you may have.