White Goods Loan

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Borrow $2,100 to $25,000
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Same-Day Approval2
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9-48 month terms

Check If You Qualify

With no impact on your credit score!

Check If You Qualify with no impact on your credit score!

*Subject to lending criteria, T's and C's'

*Subject to lending criteria, T's and C's'

Decorative graphic of a Coin
Borrow $2,100 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
9-48 month terms

Award-winning lender

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About our White Goods Loan

Need to buy a new washing machine ASAP? Or maybe you're finally upgrading your fridge? Jacaranda Finance can help.

A white goods loan from Jacaranda Finance can cover the costs of those essential (but expensive) new appliances, allowing you to get back to enjoying your home in no time.

Loan Details
Loan Amounts

$2,100 to $25,000

Loan Terms

9 months to 48 months

Loan Type
Show the About Security modal

Secured and unsecured

Rate type

Fixed

Repayment options

Weekly, fortnightly or monthly

No early payout or exit fees

Customers who pay their loan out early do not incur any additional fees or charges for doing so.

What can I purchase with a white goods loan?

With a Jacaranda express white goods loan, you can purchase any major appliance that's used for routine household tasks, such as the following:

Appliance costs are taken from Appliances Online, accurate as at October 2022.

Refrigerators

Cost between $428 and $26,299

Microwaves

Cost between $134 and $2,933

Stovetops

Cost between $134 and $16,599

Built-in ovens

Cost between $449 and $13,592

Washing Machines

Cost between $349 and $6,390

Dryers

Cost between $349 and $32,999

Dishwashers

Cost between $399 and $6,299

Air conditioners

Cost between $644 and $3,039 (split-system)

THE APPLICATION PROCESS

We Make Applying Easy

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible.

Rates & Fees

Interest Rate
Comparison Rate*
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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Monthly Fees
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Risk Fee
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Comparison Rate Warning*
  • Cash Boost
    $2,100 - $4,600
    Interest Rate
    47.80%
    Comparison Rate*
    Show the About Comparison Rate* modal
    66.07%
    Loan Term
    9 - 18 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured & Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $400 Flat Fee
    Monthly Fees
    Show the About Monthly Fees modal
    $0
    Risk Fee
    Show the About Risk Fee modal
    $0
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $2,500 over 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 24.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 39.63%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $140 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
  • Secured
    Personal Loan
    $5,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.

Trusted by 1,000s

4.9/5
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4.9/5
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  • 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 - See More
    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. - See Less
  • Super easy and fast system, applying was seamless and money was instant!
    Super easy and fast system, applying was seamless and money was instant! - See Less
  • Fast, reliable service had money in acc same day
    Fast, reliable service had money in acc same day - See Less
  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
  • Brilliant service and quick action during application process the best there can be when it comes to quick loans.
    Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
  • Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. - See More
    Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! - See Less
  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More
    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
  • 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 - See More
    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. - See Less
  • Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up - See More
    Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. - See Less
See all FAQs

Common Questions About White Goods Loans

Here are some of our most frequently asked questions about white goods loans.

The basic eligibility criteria you must meet before submitting an application:
  • Be at least 19 years of age.
  • Be employed on a permanent or casual basis.
  • Have a consistent income going into your own bank account for the last 90 days.
  • Be in control of your finances and be handling existing financial commitments comfortably.
  • Be an Australian citizen or permanent resident with a fixed address.
  • Have an active email address, phone number, and online banking account in your name that belongs to you.

We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:

  • You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
  • You are not comfortably repaying your existing financial obligations

Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.

Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.

After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2

Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3

The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria and the loan product, loan amount and loan term you qualify for.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.

We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.

Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.

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 seven years, and it can be supplied on demand.

There are four credit reporting bodies that we may use to conduct a credit check:

  • Equifax
  • Experian
  • illion
  • Talefin

Review our Privacy Policy for more information.

We're here to help

Need a hand?
Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.