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Home Improvement Loans

Personal Loans up to $15,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Need Help With Renovation Costs?

Ideally, home improvement should be a well thought out process. After all, our home is our castle, right? So, we’d all like to take our time to plan and save properly for renovations. As we all know, however, that very little in life goes to plan. It doesn’t take much for the best-laid plans to become derailed, and to find ourselves looking for home improvement loans.

Whether expenses keep getting in the way of your savings, or there’s a disaster mid-kitchen installation, home improvement loans may be your saving grace. At Jacaranda, we’ve already helped heaps of Australians turn their house into a home. We can offer home improvement loans of up to $15,000.

So, whatever your budget and whatever your dreams, consider Jacaranda. Our super-fast application process could mean you get an outcome within 60-minutes*. So, when you’re looking for a trusted lender to provide a secured loan, why not turn to Jacaranda?

What Is A Home Improvement Loan?

Jacaranda offers personal loans that can be used for your home improvement needs. Using a personal loan for home improvement can be a good idea, as you have a lot of freedom in how you spend the money. Jacaranda can offer unsecured from $1,000 to $2000 and secured loans from $2100 to $15,000.

Do You Offer Home Improvement Loans Without Equity?

At Jacaranda, we want to provide everyday Aussies access to easy home improvement loans. 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 may 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 will be accepted as security. This way, you’re able to improve your home without the risk of losing it. Jacaranda could provide you with a small loan sooner than you think!

However, as we said before, we offer both unsecured and secured home improvement loans. So, if you are looking for home improvement loans without equity, look no further than Jacaranda.

Do You Offer Home Improvement Loans With Bad Credit?

Hundreds of Aussies are making the switch to Jacaranda for their home improvement loans. A key reason for this is our customer guarantee.

See, 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, we’ll do our best to look past this. We prefer to look at your current relationship with money, rather just your past mistakes.

How are we able to do this? Well, we use the latest in banking technology to obtain a read-only copy of your bank statements. From there we’ll be able to see how you control your finances, and how you have been handling other repayments you may have. Therefore, if we can see you’ve been on track with your spending and repayments, you could stand every chance of being approved for our home improvement loans.

Can You Offer Low Cost Loans For Home Improvement?

We pride ourselves on offering competitive, reasonable rates for our home improvement loans. To get an idea of what the repayments may look like on your loan, scroll up to the loan calculator at the top of this page. Enter in the loan amount you’re thinking of borrowing, as well as your desired loan period. Alternatively, head on over to the costs page.

Along with our low cost loans for home improvement, we also provide our customers with a huge level of support and information. Our customers are able to get in contact with us for whatever they need throughout the life of their loan.

What Are Your Low Interest Rate Home Improvement Loans?

As we said above, we pride ourselves on our competitive and reasonable interest rates. So, if you’re trawling through the internet trying to find low interest rate home improvement loans, then you don’t need to look much further.

Head on over to the costs page to get a better idea of what interest rates might look like. Keep in mind though, that this is just a guide. Interest rates may be subject to change. Additionally, if you have any questions, head on over to the contact us page.

Does Jacaranda Offer Easy Home Improvement Loans?

We understand home improvement and renovation is costly and confusing enough as it is. Jacaranda believes you should be spending your time concentrating on the important things. Don’t waste hours filling out multiple forms or queuing in the bank. Instead, spend your time selecting the perfect tile for your new kitchen, or what colour you want your bathroom painted.

Our loan application process has been designed to be as simple and quick as possible. Therefore, it should be plain sailing from the start of your application to when you actually receive money in your account.

Once you hit ‘submit’ on your application form, our team will get to work processing your application. Additionally, if your loan is approved during normal AEST business hours, you could even expect to have the money appear in your account within 24-hours. This is, however, also dependant on how your bank handles transfers like these.

Who Can Apply For A Jacaranda Loan?

As we’re sure you’ve gathered, we want to make home improvement loans as accessible to as many Australians as possible. We do, however, have a minimum eligibility requirement you need to meet before you can apply with Jacaranda. So, before you can use our service, just make sure that you are:

  • 18-years or older;
  • Have an active mobile number and email address;
  • Receiving regular income deposited into your personal bank account for at least three months;
  • Have internet banking set up;
  • Be an Australian citizen or permanent resident.

Meet everything on this list? Great, you’re already on your way to making your renovation dreams come true.

What Will I Need With Me To Apply?

While we have made our application process to be as streamlined as possible, there are a few things we will ask you for. So, to really fly through your application, make sure you have these things handy:

  • 100-points of identification;
  • Your internet banking details;
  • MyGov details (if you receive Centrelink benefits);
  • Your employment details and employer contact information;
  • Applicants may be asked to prove they are an Australian citizen or permanent resident.

If you have all of these details handy, you will breeze through your application.

What Type Of Personal Loans Do You Offer?

We cater to budgets of all shapes and sizes. See, we understand that everybody is different, and so are their renovation plans. So, we offer our customers a wide range of both unsecured and secured home improvement loans.

Small Personal Loans

Our small personal loans range from $1,000 to $2,000. These loans can be repaid over a period of 12-months. These small loans are unsecured, so are a great option if you do not own a car, motorbike, caravan or boat.

Medium Personal Loans

Our medium personal loans range from $2,001 and $4,600. These medium loans can be repaid over a period of 13 to 24-months. Security must be attached to all loans above the value of $2,000. Jacaranda accepts collateral in the form of a car, motorbike, caravan or boat.

Large Personal Loans

If you’re really dreaming big, Jacaranda can offer you a large personal loan from $5,000 to $15,000. These loans can be repaid over a period of 13 to 24-months. Just like our medium loans, it is necessary to provide security against our large loans.

How To Apply

If you’ve liked what you’ve read so far, why not get started on applying for one of our home improvement loans. Here’s how to get started on our online application:

Step 1:

Scroll up to the loan calculator at the top of the page. Enter in a loan amount and repayment period for your loan. Then, you’ll then be able to see the weekly, fortnightly and monthly estimate repayments on your loan. If you like what you see, click ‘Apply Now’.

Step 2:

You’ll then be directed to our application form. If you have all your necessary details handy, this form should only take you a few minutes to complete. If you submit this form within normal AEST business hours, a member of our team will begin the assessment. Usually, you should receive your outcome within 60-minutes of applying*. If you apply outside of these hours, we’ll get on to it first thing in the morning.

Step 3:

If your application is successful, a member of our lending team will send over an agreement for you to read over and sign. Once we’ve received back the signed agreement, our team will transfer the cash into your account.

How Do I Repay My Loan?

A direct debit will be set up between you and Jacaranda. Our team does there best to aline your repayments with your income. That way it is simple and easy to make the instalments. This way, you should always have enough money in your account, and you’ll avoid any additional fees or charges.

Additional Fees And Charges

There may be additional fees and charges payable on your loan. These may come in the form of dishonour or default fees. These fees and charges will be outlined in your loan agreement.

We highly recommend having a thorough read through your agreement before signing. If you are unsure about anything within your contract, please get in contact. Our team of loan-experts will be happy to walk you through any and all questions you may have.

Get In Contact

We would love to hear about your experience using Jacaranda. If you felt unsatisfied with our service, please get in contact and let us know where we could approve. Inversely, if you had a great experience with us, please let us know what we did well. You can reach us through our contact us page.

So, what are you waiting for? If your bathroom is looking a little sad, or your backyard needs a boost, get in contact with Jacaranda today! You could have the cash in your account sooner than you think. Scroll on up to the loan calculator to get started.

Want to read more? Check out how you could compare personal loans, get a first time loan, Jacaranda could even lend a hand when it comes to credit card consolidation.

Learn how to calculate your mortgage repayments with a home loan calculator.

*If you apply during business hours and we don’t require any additional information from you

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.