How It Works

Ready to apply for a personal loan, but not sure how it works? Here’s our breakdown of how applying for a loan works!

How It Works

Ready to apply for a personal loan, but not sure how it works? Here’s our breakdown of how applying for a loan works!

Tick60-Minute Outcomes*
Tick100% Online
TickSimple Application
TickQuick and Easy
TickBad Credit OK

Any credit score

How much do you need to borrow?

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Not sure how it works?

If you’re not sure how applying for a loan with Jacaranda Finance works, we’ve broken it down for you. We’re an online lender that specialises in lending to all Australians, anywhere, any time. If you need to borrow $1,000 to $15,000, we could have a loan to suit you.

Applying for a loan

Applying for a loan with us is quick and easy. We don’t like to make things difficult. Our 100% online application form can be completed within minutes, and you could have your outcome in the hour*. Plus, we provide instant transfers on approval, so you could have your cash in 60-seconds**. It’s that simple!

Not sure how it works?

If you’re not sure how applying for a loan with Jacaranda Finance works, we’ve broken it down for you. We’re an online lender that specialises in lending to all Australians, anywhere, any time. If you need to borrow $1,000 to $15,000, we could have a loan to suit you.

Applying for a loan

Applying for a loan with us is quick and easy. We don’t like to make things difficult. Our 100% online application form can be completed within minutes, and you could have your outcome in the hour*. Plus, we provide instant transfers on approval, so you could have your cash in 60-seconds**. It’s that simple!

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Get your cash in 60 seconds once approved*

Get a quote

Three types of personal loans

Loan Type Security Options Loan Amount Loan Term
Small Loan Unsecured $1,000 to $2,000 9 to 12 months
Medium Loan Secured $2,100 to $4,600 9 to 12 months
Large Loan Secured $5,000 to $15,000 12 to 36 months
Apply Online

Step: 1 Apply online

Choose a loan amount between $1,000 and $15,000 and complete your application in minutes.

Quick outcomes

Step 2: Get a quick decision

We’ll let you know if we think we can help you on the spot when you finish your application. If we think we’re a good fit, our team will do their best to get back to you in 60-minutes*.

Instant cash

Step 3: Get your cash

Once we’ve approved your loan application, we will transfer your funds straight to you. If you have an NPP-enabled bank account, which is 90% of bank accounts, you could have your cash in 60-seconds**.

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

  • Personal details (i.e. Name, Address, DOB)
  • Your phone number and email address
  • The reason for your loan
  • Online banking and employment info

How Jacaranda’s personal loans work

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Our tech

We've won numerous awards for our state-of-the-art technology. 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.

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Our speed

The 100% online application can be completed in minutes, and will ask you questions about your personal situation as well as automatically request access to read-only copies 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.

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Australian based and family owned

All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in Australia, 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 we are committed to giving our customers the best experience possible.

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60-second payouts

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, you will receive your funds overnight on the day you are approved.

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Frequently asked questions

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

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