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White Goods Loan

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

White goods are essential appliances for any household, designed to make your life easier! Luckily, a white goods loan from Jacaranda Loans will make it easier than ever to acquire these appliances, and we can also offer fast and convenient same day cash loans.

We are a 100% online loan service with very fast outcomes and absolutely no hidden fees.

Why choose Jacaranda Finance?

Here at Jacaranda Finance, we take pride in our impressive customer service. Therefore, our very professional and friendly customer service team will be happy to help you achieve the ideal loan for you, all whilst you are sitting back in the comfort of your own home!

As well as this, we are generally far more lenient than traditional lenders when it comes to approving you for a loan. We can even offer a white goods loan for people on Centrelink payments. Unfortunately, we cannot accept every application, as we do not want to place our clients in any further financial difficulty due to an unattainable debt. Plus, we pride ourselves on being responsible lenders so we will never approve anyone for a loan they can’t afford. However, given you have received a regular income for the last 90 days, we are willing to look at more than just your credit score.

You can be sure that with Jacaranda Finance, you will be receiving the perfect deal for your personal loan.

How do I apply for a white goods loan?

The step by step process for acquiring a loan is very simple:

Step 1: Fill out the online application form

This application form can be found on our homepage. It is very quick and easy to fill out, simply asking for a few personal details, including the reason for your loan.

Step 2: Wait for the application outcome

The outcome of your application should be received within an hour of applying if it is submitted within business hours. However, if you’re not eligible for a loan, we’ll tell you straight away to avoid wasting anyone’s precious time.

Step 3: Receive your loan

Once your loan is accepted, we will transfer the funds immediately. However, it will then be up to your bank to ensure the funds are transferred, so this should happen either by the end of the day or at the very latest the next morning.

How much can I apply for?

With Jacaranda Loans, there are three types of loans that we offer. The first is a small personal loan, which covers any amount between $1,000 and $2,000 and can be repaid over a 12-month period. These repayments can be made either weekly, fortnightly or monthly.

The second type of loan that we offer is a medium secured personal loan. This covers any amount between $2,100 and $4,600. These loans can be repaid over a 13-36 month period. These repayments can also be made either weekly, fortnightly or monthly.

Lastly, we also offer large secured personal loans between $5,000 to $15,000

For more information, you can also take a look at the MoneySmart website.

What can I purchase with a white goods loan?

With one of our fast loans, you can purchase any major household or domestic appliance, used for routine housekeeping tasks. Some examples of this are:

  • Refrigerator
  • Microwave
  • Stove
  • Washing Machine
  • Dryer
  • Dishwasher
  • Air conditioner

We understand that these appliances are key for any household to make life easier, so a fast personal loan might be exactly what you need to keep your place running the way it should.

Do your offer loans for low-income earners?


At Jacaranda Loans, we understand that everyone needs to have the funds to obtain major appliances. This includes low-income workers and people receiving government benefits. That’s why we can even approve a loan for people on Centrelink.

Do you offer a white goods loan for people with bad credit?

At Jacaranda Loans, we take our lending obligations very seriously. Therefore, we do adhere to certain lending regulations. With this being said, we are generally far more lenient than traditional lenders. Whilst we do run credit checks, this is not the only thing that we look into. We believe that mistakes and poor spending habits in the past can certainly be rectified, which is why we tend to focus on the past 90 days. So, if you have bad credit, you can apply for white goods loans and we’ll do our best to approve your application.

What do I need handy when I apply?

To apply for a loan, there are a few boxes that you need to tick first. You:

  • Must be over the age of 18
  • Must be an Australian citizen or permanent resident
  • Receive a regular income into a personal bank account in the past 90 days
  • Have an active contact number and email address

If you meet all of these criteria, you are eligible to apply for a loan today!

What about responsible lending?

We take responsible lending very seriously. Our lending assessment team always follows commonwealth and state legislation when deciding whether or not to accept a loan application. As part of this responsible lending process, we also conduct credit checks. Having said this, we are still more lenient than traditional lenders, as we consider your current financial situation as well as your financial history, rather than your past mistakes.

In assessing a loan application, we’ll look at your income for the last 3 months, your spending habits and your overall relationship with money. So, if we can see that you’ve been making a conscious effort to get on top of your finances – which is made much easier now with the introduction of comprehensive credit reporting – we may be able to look past your bad credit and see if we can approve you for a white goods cash advance.

What if I’m having trouble with my application?

We understand that sometimes technology can get the better of us. That’s why we have our team here to help you! Here’s a quick checklist to ensure everything has been done correctly:

  • Mobile: Make sure you have entered the correct phone number
  • Email: A very common error is people misspelling their email address, making it very difficult for us to accept your loan application.
  • Bank details: Ensure that you’ve used your online banking login details and not your banking app login details (these often differ slightly).

If you are ever feeling stuck or have any general enquiries about your loan, please send our friendly team an email at apply@jfloans.com.au.

What happens if I can’t make a payment?

If you are short of money and it is enclosing on your next payment date, it is important that you contact us as soon as possible. In almost all cases, we will be able to come to an arrangement that makes both parties happy. We require at least a 24-hours’ notice if you are unable to make a repayment. If, however, you don’t let us know and we go to take a payment and it fails, you could be charged a $35 dishonour fee. This is the last thing you need when you’re already doing it a little tough so be sure to keep us up to date on your situation.

Can I pay my loan off early?


If you would like to increase your payments so that your payment schedule finishes early, we will not charge you to do so. Some mainstream and more traditional lenders will charge you early exit fees to ensure that they don’t miss out on that interest, but this is not the case for us! We will always encourage our borrowers to pay out their loan early as they will end up saving money on interest and monthly fees.

When can I apply?

You can apply 24/7 all around Australia for your loan. However, bear in mind of course that if you are applying outside of business hours, your application will take a little longer to process. So, our normal hours of business are:

    • Monday to Thursday: 8 am to 6 pm
    • Friday: 8 am – 4 pm
    • Saturday: 8 am – 12 pm
    • Sunday and Public Holidays: Closed

What if my application gets declined?

If your application does not get approved, we will provide you with the reasons why. If this happens to you, this does not mean we won’t accept your application in the future. We are more than willing to re-evaluate failed applications in the future if the financial situation of that borrower improves. Plus, our criteria are always changing and we’re sure your situation is too.

What is the difference between a Jacaranda loan and a Payday loan or Cash Advance?

Unlike other methods to borrow money, Jacaranda Loans can offer you breathing space with your repayment period. This ensures that your repayment amounts will be lower and, thus, less financially demanding than the other methods of borrowing that you may have used previously.

Do you perform an employment check for a white goods loan application?

In some cases, we do perform employment checks. This is generally for our new customers. Our highly trained operators are very discrete and would not disclose any personal information about yourself or your loan application.

If approved, how quickly can I receive my white goods loan?

Within 60 minutes of the loan being approved, we will release the funds to your bank, or pretty much as soon as we’ve received your signed loan contract. However, the amount of time it takes for the funds to reflect in your bank account will depend on the bank you are with. Most of your clients receive their cash loans within a few hours. However, it can take up to 24 hours or the next business day.

When am I eligible to apply for another white goods loan with Jacaranda Finance?

Our loans are all assessed based on affordability and suitability. So, in some cases, it is acceptable for us to lend you money even if you have an outstanding balance on a current loan. Call our helpful team on 1300 189 823 to see what options are available to you.

Are you ready for a hassle-free loan service?

So, go ahead and apply for a personal loan today with our online application form, or check out our FAQ page if you have any questions about the process!

Apply for a loan today!

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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.