FlexiCredit
New
Our Interest Rates & Fees
Our loans are designed to be fast, fair, and, above all, affordable!
See this page for details on the costs associated with our loans.
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Who are we
About Jacaranda
Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.
We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.
We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans.
Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.
Click here to learn more about what makes Jacaranda great!
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Aussies Helped With A Loan
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Loans Approved
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Google Rating
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Years Helping People
Trusted by 1,000s
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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.
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Super easy and fast system, applying was seamless and money was instant!
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Fast, reliable service had money in acc same day
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one !
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I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
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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.
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Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process.
Rates, Fees & Loan Details
See the table below for a quick guide to our charges. You can also see more information, such as the available loan terms, repayment options, whether we offer secured or unsecured loans and more.
For detailed information about who our products are designed for, please review our Target Market Determinations.
Interest Rate
Comparison Rate
![Show the What does it mean? modal]()
Loan Term
Repayment Cycle
Secured or
Unsecured
![Show the What does it mean? modal]()
Unsecured
Establishment Fees
![Show the What does it mean? modal]()
Monthly Fees
![Show the What does it mean? modal]()
Risk Fee
![Show the What does it mean? modal]()
Comparison Rate Warning*
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Unsecured
Personal Loan$3,000 - $15,000![]()
Interest Rate17.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
32.40% to 42.80%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$130 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $995Comparison Rate Warning*Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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. -
Secured
Personal Loan$3,000 - $25,000![]()
Interest Rate14.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
29.30% to 42.80%Loan Term25 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$130 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $995Comparison Rate Warning*Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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. -
Car Loan$10,000 - $25,000
![]()
Interest Rate14.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
29.30% to 42.80%Loan Term25 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$950 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$400 to $995Comparison Rate Warning*Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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. -
FlexiCredit$1,000 - $2,000
![]()
Interest Rate27.90%Comparison Rate*![Show the About Comparison Rate* modal]()
N/ALoan TermOngoingRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
N/AMonthly Fees![Show the About Monthly Fees modal]()
1% of Credit LimitRisk Fee![Show the About Risk Fee modal]()
N/AComparison Rate Warning*
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
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Unsecured
Personal Loan$3,000 - $15,000![]()
Interest Rate17.95% to 27.95%17.95% to 27.95%Comparison Rate![Show the What does it mean? modal]()
32.40% to 42.80%32.40% to 42.80%Loan Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
UnsecuredUnsecuredMonthly Fees![Show the What does it mean? modal]()
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$130 to $990$130 to $990Risk Fee![Show the What does it mean? modal]()
$0 to $995$0 to $995Comparison Rate Warning* Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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. -
Secured
Personal Loan$3,000 - $25,000![]()
Interest Rate14.95% to 27.95%14.95% to 27.95%Comparison Rate![Show the What does it mean? modal]()
29.30% to 42.80%29.30% to 42.80%Loan Term25 - 48 months25 - 48 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$130 to $990$130 to $990Risk Fee![Show the What does it mean? modal]()
$0 to $995$0 to $995Comparison Rate Warning*(Personal Loans & Car Loans)Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.Comparison Rate Warning* Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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. -
Car Loan$10,000 - $25,000
![]()
Interest Rate14.95% to 27.95%14.95% to 27.95%Comparison Rate![Show the What does it mean? modal]()
29.30% to 42.80%29.30% to 42.80%Loan Term25 - 48 months25 - 48 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$950 to $990$950 to $990Risk Fee![Show the What does it mean? modal]()
$400 to $995$400 to $995Comparison Rate Warning* Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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. -
FlexiCredit$1,000 - $2,000
![]()
Interest Rate27.90%27.90%Comparison Rate*![Show the What does it mean? modal]()
N/AN/ALoan TermOngoingOngoingSecured or
Unsecured![Show the What does it mean? modal]()
UnsecuredUnsecuredMonthly Fees![Show the What does it mean? modal]()
1% of Credit Limit1% of Credit LimitRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
N/AN/ARisk Fee![Show the What does it mean? modal]()
N/AN/AComparison Rate Warning*
What Will My Loan Cost?
The interest rate, fees, and applicable charges will depend on your individual circumstances and the information verified during the loan application assessment. It will also depend on our assessment criteria and the loan product, loan amount, and loan term for which you qualify.
For a guide on how much your Jacaranda Car or Personal Loan might cost, you can try our easy-to-use three-step loan repayment calculator to estimate your repayments before you apply.
It's important to review your budget and be confident that you can comfortably meet your repayments.
Ready to Apply? You can get started now.
3.
Repayment Cycle
...
Estimated per
* Repayment Disclaimer
*Please consider: The example repayment is an estimate based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.
Interest Rate
14.95% - 27.95%
Comparison Rate**
29.30% - 42.80%
Total Repayment
Including Interest & Fees
Including Interest & Fees
...
** Comparison Rate Warning
Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
Ready to Apply? You can get started now.
What does each of these fees mean?
Understanding how each of the key loan terms, rates, and fees work and what they are can go a long way in helping you make an informed choice.
Click below to see a breakdown of the costs associated with each of our loans.
You can also read our article, a comprehensive guide to personal loan fees, to learn more about these common loan costs.
The interest rate associated with your loan will vary based on several factors, such as your financial position, the loan product you choose, and more.
The comparison rate includes the interest rate, fees, and charges relating to a loan and depends on your financial position, how much you borrow and the term of your loan.
The comparison rate allows you to easily compare different loan offers from various lenders to determine which option could be the most cost-effective.
See our article on interest rates vs comparison rates to learn more about the differences between the two.
The establishment fee is charged for assessing, documenting and processing your loan. This fee is usually retained by the lender at the start of the loan.