FlexiCredit
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Our Interest Rates & FeesOur Interest Rates & Fees
Our loans are designed to be fast, fair, and, above all, affordable! Our loans are designed to be fast, fair, and, above all, affordable!
See this page for details on the costs associated with our loans.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 - $10,000![]()
Interest Rate27.95% to 29.95%Comparison Rate![Show the About Comparison Rate modal]()
44.50% to 46.50%Loan Term25 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$13.50 to $950Monthly Fees![Show the About Monthly Fees modal]()
$26 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $325.50Comparison 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 Rate16.95% to 29.95%Comparison Rate![Show the About Comparison Rate modal]()
32.99% to 45.50%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$125 to $1,190Monthly Fees![Show the About Monthly Fees modal]()
$26 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 Rate16.95% to 29.95%Comparison Rate![Show the About Comparison Rate modal]()
32.99% to 45.50%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 $1,190Monthly Fees![Show the About Monthly Fees modal]()
$26 p/monthRisk Fee![Show the About Risk Fee modal]()
$585 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 - $10,000![]()
Interest Rate27.95% to 29.95%27.95% to 29.95%Comparison Rate![Show the What does it mean? modal]()
44.50% to 46.50%44.50% to 46.50%Loan Term25 months25 monthsSecured or
Unsecured![Show the What does it mean? modal]()
UnsecuredUnsecuredMonthly Fees![Show the What does it mean? modal]()
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$13.50 to $950$13.50 to $950Risk Fee![Show the What does it mean? modal]()
$0 to $325.50$0 to $325.50Comparison 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 Rate16.95% to 29.95%16.95% to 29.95%Comparison Rate![Show the What does it mean? modal]()
32.99% to 45.50%32.99% to 45.50%Loan Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$125 to $1,190$125 to $1,190Risk 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 Rate16.95% to 29.95%16.95% to 29.95%Comparison Rate![Show the What does it mean? modal]()
32.99% to 45.50%32.99% to 45.50%Loan Term25 - 48 months25 - 48 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$950 to $1,190$950 to $1,190Risk Fee![Show the What does it mean? modal]()
$585 to $995$585 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 four-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.
1.
I'm looking for a:
4.
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
16.95% - 29.95%
Comparison Rate**
32.99% - 46.50%
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.
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.
The monthly service fee is the cost charged for the loan administration. With Jacaranda Finance, the monthly fee is flat and will be debited monthly in advance on the first day of the loan term and each month after that.
You can choose to make extra payments into your loan, either as a regular payment or a one-off lump sum. This can often reduce your overall loan balance. To make extra repayments on your Jacaranda loan, log into the Better Credit mobile app or customer portal and choose from a range of options such as debit card payment, bank transfer or direct debit.
Jacaranda Finance does not charge any fees for making extra repayments to your loan or paying it off early. If you want to pay a little more into what you owe and get ahead of your loan balance, it's free to do so with us!
The risk fee is a one-off, non-refundable fee that covers the level of risk associated with advancing a loan. We retain this fee at the start of the loan (if you are charged one).
A missed payment fee is associated with each missed payment. This fee is added to the account due to the additional administration required. The missed payment fee is due and payable within the next repayment cycle.
If you're concerned you'll miss a repayment before the next due date, please contact our customer service team as soon as possible. We will help you with a number of options to keep your loan on track, which can help avoid additional fees and charges.
borrow up to $25,000 and start your financial journey today
Select Your Product
How to apply with Jacaranda Finance
We Make Applying Easy
If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. You can:
- Apply in just 5-12 minutes1
- Receive a same-day outcome2 on your application
- Get your money within 60 seconds3 if approved
Check if you qualify for one of our Personal Loans today!
Need more information?
Jacaranda FAQs
Here are the answers to some of our most frequently asked questions regarding our loans.
We only offer fixed-rate loans. See our guide to fixed vs. variable interest rates to learn the differences between the two.
We offer both Secured and Unsecured Personal Loans to suit many purposes. We also provide Secured Car Loans.
See our article on secured vs unsecured loans to learn the differences between the two.
The loan terms available on our Personal Loan & Car Loan products range from 25 months up to 48 months.
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
You must meet the following basic eligibility criteria before submitting an application:
- 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.
If you are unsure whether you're eligible, you can check if you qualify initially. This will not impact your credit score.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
- 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
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1; how quickly you can apply for a loan and receive your funds will depend on your situation.
We only accept loan applications online via our online application form on our website or the Better Credit app. We're 100% online, so there are no other ways to submit an application.
If you're considering applying for a loan with Jacaranda, you can first check if you qualify in a way that does not affect your credit score.Need a Hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you.
You can easily get in touch online or via the Better Credit app. Jacaranda's customer service team is available to chat six days a week, and services are available online 24/7.
