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'
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!
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.
Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
Unsecured
Secured or
Unsecured
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.
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Unsecured
Personal Loan$3,000 - $15,000Interest Rate17.95% to 27.95%Comparison RateAbout Comparison RateA comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
32.40% to 42.80%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990Monthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/monthRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$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 - $25,000Interest Rate14.95% to 27.95%Comparison RateAbout Comparison RateA comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
29.30% to 42.80%Loan Term25 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990Monthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/monthRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$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 - $25,000Interest Rate14.95% to 27.95%Comparison RateAbout Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
29.30% to 42.80%Loan Term25 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$950 to $990Monthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/monthRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$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 - $2,000Interest Rate27.90%Comparison Rate*About Comparison Rate*
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
N/ALoan TermOngoingRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
N/AMonthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
1% of Credit LimitRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.N/AComparison Rate Warning*
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Unsecured
Personal Loan$3,000 - $15,000Interest Rate17.95% to 27.95%17.95% to 27.95%Comparison RateWhat does it mean?About Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
32.40% to 42.80%32.40% to 42.80%Loan Term25 - 36 months25 - 36 monthsSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredUnsecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990$130 to $990Risk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$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 - $25,000Interest Rate14.95% to 27.95%14.95% to 27.95%Comparison RateWhat does it mean?About Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
29.30% to 42.80%29.30% to 42.80%Loan Term25 - 48 months25 - 48 monthsSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredSecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990$130 to $990Risk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$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 - $25,000Interest Rate14.95% to 27.95%14.95% to 27.95%Comparison RateWhat does it mean?
About Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
29.30% to 42.80%29.30% to 42.80%Loan Term25 - 48 months25 - 48 monthsSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredSecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$950 to $990$950 to $990Risk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$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 - $2,000Interest Rate27.90%27.90%Comparison Rate*What does it mean?
About Comparison Rate*
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
N/AN/ALoan TermOngoingOngoingSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredUnsecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
1% of Credit Limit1% of Credit LimitRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
N/AN/ARisk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.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.
Including Interest & Fees
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.