Interest Rates & Fees

• Be at least 19 years of age.
• Be employed on a permanent or casual basis.
• Have a consistent income going into your own bank account for the last 90 days.
• Be in control of your finances and be handling existing financial commitments comfortably.
• Be an Australian citizen or permanent resident with a fixed address.
• Have an active email address, phone number, and online banking account in your name that belongs to you.

• You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
• You are not comfortably repaying your existing financial obligations

We only accept loan applications online via our online application form on our website or FastMoney app. We're 100% online, so there are no other ways to submit an application.

The good news is, being a 100% online lender, you may submit an application with Jacaranda 24/7, 365 days a year.

If you need assistance or can't find the answers to the questions you have before you decide to apply, simply contact our customer service team during normal business hours, and they will be happy to assist you.

When you are considering applying for finance with Jacaranda , you can check if you qualify using our QualifyCheck technology, which does not affect your credit score.

Checking if you qualify

When you check if you qualify, we can access your credit file in a way that does not impact your credit score and that is not disclosed to anyone other than yourself. If you have alerts set up on your credit file, you will get a notification. This is called 'file access', and is different to a 'full credit enquiry'.

Submitting your loan application

Once you have checked if you qualify, and in the case that you do qualify, you have the option to submit your application to Jacaranda to perform a credit assessment. By submitting a full application, you authorise Jacaranda Finance Pty Ltd to obtain a copy of your full credit file. Other lenders will be able to see that you applied for a loan with Jacaranda.

Information we provide to Credit Reporting Bureaus (coming in July 2023)

While we receive information from credit reporting bodies, we also advise them about your repayments. This is a good thing because other credit providers will be able to see your repayment history with Jacaranda. If you're making all of your repayments to us on time, this could positively impact your ability to get credit in the future.

For more information on your credit report and credit score, visit CreditSmart's website. You can also contact our customer service team if you have any further questions about how your credit score can be impacted by applying for one of our loans.

Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle. The easiest way to manage your loan is through the customer portal or FastMoney mobile app.

Yes, there are a number of ways that you can make additional repayments on your loan at no additional cost. Log into the FastMoney mobile app or customer portal and choose from a range of options such as card payment, bank transfer or direct debit.

Read more: Why You Should Consider Making Extra Repayments On Your Loan.

We only offer fixed-rate loan products.

See our guide to fixed vs variable interest rates to learn the differences between the two.

We offer secured and unsecured loan products. See our article on secured vs unsecured loans to learn the differences between the two.