How to Apply

We only ask for the basics to start, so you will just need to provide the following information when you apply:

• The reason for the loan
• Your employment details
• Your internet banking details (so we can verify your income)

If you are receiving Centrelink, you will also need to provide a copy of your Centrelink Income Statement.

You may be asked during the assessment process to provide additional documentation to confirm other details. If that’s the case though, we’ll be in touch!

Jacaranda is 100% online so we can’t accept applications over the phone. Fortunately, we’ve made our online application process as quick and easy as possible. You can apply from your computer, mobile phone, or tablet whenever and wherever you’d like.

If you run into any technical difficulties, refer to our FAQs page or get in touch with us on 1300 189 823. Should you have any questions at any point during the application process, you’re also welcome to call us directly or chat to our team live via Facebook Messenger.

We offer super-fast, same day loans from $2,100 - $15,000. Apply for as much as you need and we’ll assess your current relationship with finances to determine what could work best for you. If we can’t offer you what you have applied for, we will always consider other amounts.

If we approve your application, we will need to receive your signed loan contract before we transfer your funds. Most approved applicants have their money in their bank account and ready to use within 60 seconds once they have accepted their digital contract. Even on weekends!

Ultimately, the bank you are with will dictate how quickly you receive the funds. We only offer instant transfers to NPP-enabled bank accounts so check with your bank to see if you qualify.

Maintaining a good credit score will always help to increase your chances of approval on a personal loan. As a responsible lender, we do carry out a credit check on eligible applicants. However, we are more lenient than traditional institutions such as banks.

In assessing your application, we will consider factors beyond your credit score to determine your current financial circumstances. As long as your financial situation is looking good, we will happily consider your loan application.

Any applications made under the Terms and Conditions will consent to a credit check.

At Jacaranda, we consider every application on a case by case basis. No two situations are the same and we will always take that into consideration. That said, if you would like to increase your chances of approval on one of our loans here are some tips that could help you before you apply:

• Make sure you have all the correct information for your application ready
• Check your credit score and ensure all information in your credit report is up to date
• Pay off any overdue debts
• Work on improving your credit score