Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

Step One

Submit an online application

At Jacaranda, we don’t mess around! We’ve simplified our application so that you can submit it within just a few minutes. In many cases, you’ll even get an instant outcome.

Step Two

We verify your information

If your application is accepted, it takes us a maximum of 60-minutes2 (during normal business hours) to verify your details and make sure one of our loans is suitable for you.

Step Three

Have your cash in 60-seconds3

Once you’ve been approved and signed your digital contract, most of the time we have the money in your bank account within 60-seconds3. Even on weekends!

How to qualify for a personal loan

Traditional lenders don’t make it easy to qualify for a personal loan. Between the mountains of paperwork and stringent criteria, their lending models often fail to capture the full picture. That’s where Jacaranda is different; we pride ourselves on being inclusive. As long as your current financial situation is looking good, we will happily consider your loan application. That includes good credit, bad credit, or no credit at all.

We’ve built back-end systems that speed up and verify the boring part so we can focus on what matters – getting approved loans paid out fast. Most of our approved clients get unconditionally approved within 60-minutes2 of submitting the completed loan application. So, even if you’re not sure whether we could help you, it costs you nothing to find out!

Eligibility criteria

To be eligible for a loan with us, you just need to meet the following basic requirements:

  • Be over 18 years of age
  • Australian citizen or permanent resident
  • Hold a direct contact number and email address
  • Received a regular income into a personal bank account for a minimum 90-days

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.


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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

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.

Brendan Lau88 – GOOGLE REVIEW

Frequently Asked Questions

Need a hand?
24hr loan processing.

Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, if you need some help navigating what the best loan is for you, our friendly team is more than happy to answer any questions you may have.