How to Apply
Discover how you can get a loan in 3 easy steps.
I would like to borrow
$5,000
$and pay it back over
17 months
$159.53
estimated
Estimated repayments starting from
Done in 8 mins
18 people
have applied today
GOOGLE RATING
2,000+ reviews
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). 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.
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
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Last updated: 03/05/2022
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.
