Need funds for a home improvement project? Jacaranda Finance has got you covered. In fact, we’ve helped thousands of everyday Australians turn their house into a home.
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Whether it’s to create more living space, remodel your kitchen, or sort out urgent repairs, let us help fund your home improvement project. We offer home improvement loans from $1,000 up to $15,000 with funds transferred within 60-seconds** of approval. Applying with us is quick and easy with our 100% online application form and 1-hour outcomes*.
A Jacaranda home improvement loan can be used for just about anything. Here are some common reasons our customers take out a home improvement loan:
Been thinking of upgrading your bathroom or kitchen? Get the financial boost you need to kickstart your project.
Looking to beat the heat with a swimming pool? Let us lend you a hand with the costs.
Whether it’s cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you’ve been putting off.
A fresh coat of paint or replacing doors can be a great way to elevate your home and increase its value.
You might be wanting to increase the resale value of your home or cater to a growing family. Whatever the reason, our loans can be used to add extensions to your property, such as an outdoor deck.
Looking to landscape your backyard? Make the grass greener on your side with the help of Jacaranda.
Before you apply for our home improvement loans, make sure you meet our eligibility criteria:
To apply for a loan with us, make sure you have the following handy:
Apply for a loan with three simple steps:
Using our online application form, you can apply within minutes and receive an outcome in no time at all.
Make sure you have your supporting documents handy, including:
As soon as we receive your signed contract, we transfer the funds.
We might need more information from you to process your application. Make sure you have your phone handy in order to get the fastest outcome.
Reviews current as of June, 2021.
We’ve won numerous awards for the state-of-the-art technology that we built for our customers. 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.
Our 100% online application can be completed within 8 minutes and will ask you questions about your personal situation as well as automatically request access to a read-only copy 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.
All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in the country, 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 are committed to giving our customers the best experience possible.
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 account, you will receive your funds overnight on the day you are approved.
Want to learn more? Here are some common questions about our home improvement loans.
A home improvement loan is a type of personal loan used to cover the costs of renovations, improvements or repairs made to your home. Whether it’s to remodel your kitchen, add an outdoor deck, or install a security system, a home improvement loan from Jacaranda Finance can be used for many property-related projects.
Our home improvement loans range from $1,000 up to $15,000 with loan terms varying between 12 and 36 months. Before you apply with us, it can be a good idea to estimate the budget for your home improvement project so you know what loan amount to apply for.
Yes, we do credit score checks as part of our commitment to responsible lending guidelines. Got bad credit? Don’t stress as we’re a financially inclusive lender, meaning that we look beyond your credit history when assessing your application. We take into account other factors, including your income, spending habits, and other financial commitments, before approving your loan.
At Jacaranda, we offer both secured and unsecured personal loans for home improvements. We understand that not everyone has a large asset to their name that they can attach as equity on a loan. While many traditional lenders require you to attach the value of the property as equity, we do things a little differently at Jacaranda. Therefore, a car, motorbike, caravan, or boat can be accepted as security. This way, you’re able to improve your home without the risk of losing it.
Our loan application process has been designed to be as simple and quick as possible. Once you submit your application, we can give you an outcome within 60-minutes*. If approved, we transfer the funds to your bank account within 60-seconds**.
Here at Jacaranda, we guarantee to give each application a fair assessment. In other words, we understand that people are so much more than a credit score. So, if you’re looking for home improvement loans with bad credit, you’ve come to the right place. We prefer to look at your current relationship with money by using the latest in banking technology. If we can determine you’re able to manage a home improvement loan, even with bad credit, we might be able to offer you a loan.
Paying back your loan at Jacaranda couldn’t be easier. Repayments will automatically be deducted via direct debit, so all you need to do is make sure you have the money in your account. To make it simple, we usually align your repayments with your pay cycle - whether it’s on a fortnightly or monthly basis. After your loan is paid off in full, the repayments then stop.
The fees and charges on your loan will depend on the amount you borrow. To give you an idea of what may be included in your loan contract’s terms and conditions, common fees include interest charges, monthly fees, establishment fees, or any late/default fees (if applicable). If you are considering making extra repayments on your home improvement loan, you’re in luck. At Jacaranda, we don’t charge a fee for additional repayments made to your loan.
* If applied within our standard business hours. 60-minute outcomes are not guaranteed.
** If you have an NPP-enabled bank account.
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.