Interest Rates & Fees

Jac's got your back with fast, simple and reliable loans. See this page for details and examples of our interest rates and fees.

Rates and Fees JF

Rates & Fees

Interest Rate
Comparison Rate*
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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Monthly Fees
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Risk Fee
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Comparison Rate Warning*
  • Cash Boost
    $2,100 - $4,600
    Interest Rate
    47.80%
    Comparison Rate*
    Show the About Comparison Rate* modal
    66.07%
    Loan Term
    9 - 18 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured & Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $400 Flat Fee
    Monthly Fees
    Show the About Monthly Fees modal
    $0
    Risk Fee
    Show the About Risk Fee modal
    $0
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $2,500 over 24 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.
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
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    $140 to $995
    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.
  • Secured
    Personal Loan
    $5,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    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 Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $950 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $400 to $995
    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.
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.
Interest Rate Comparison Rate*
Show the What does it mean? modal
Loan Term Loan Type
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Repayment Cycle
Establishment Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
  • Cash Boost
    $2,100 - $4,600
    Interest Rate
    47.80%
    47.80%
    Comparison Rate*
    Show the What does it mean? modal
    66.07%
    66.07%
    Loan Term
    9 - 18 months
    9 - 18 months
    Loan Type
    Show the What does it mean? modal
    Secured & Unsecured
    Secured & Unsecured
    Monthly Fees
    Show the What does it mean? modal
    $0
    $0
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $400 Flat Fee
    $400 Flat Fee
    Risk Fee
    Show the What does it mean? modal
    $0
    $0
    Comparison Rate Warning*
    (Cash Boost)
    The comparison rate is based on $2,500 over 24 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* The comparison rate is based on $2,500 over 24 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.
  • Unsecured Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% - 27.95%
    17.95% - 27.95%
    Comparison Rate
    Show the What does it mean? modal
    32.40% - 42.80%
    32.40% - 42.80%
    Loan Term
    24 - 36 months
    24 - 36 months
    Loan Type
    Show the What does it mean? modal
    Unsecured
    Unsecured
    Monthly Fees
    Show the What does it mean? modal
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $475 to $990
    $475 to $990
    Risk Fee
    Show the What does it mean? modal
    $140 to $995
    $140 to $995
    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
    $5,000 - $25,000
    Interest Rate
    14.95% - 27.95%
    14.95% - 27.95%
    Comparison Rate
    Show the What does it mean? modal
    29.30% - 42.80%
    29.30% - 42.80%
    Loan Term
    24 - 48 months
    24 - 48 months
    Loan Type
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $475 to $990
    $475 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $0 to $995
    Comparison Rate Warning*
    (Personal Loans & Car Loans)
    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* 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 Rate
    14.95% - 27.95%
    14.95% - 27.95%
    Comparison Rate
    Show the What does it mean? modal
    29.30% - 42.80%
    29.30% - 42.80%
    Loan Term
    24 - 48 months
    24 - 48 months
    Loan Type
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $950 to $990
    $950 to $990
    Risk Fee
    Show the What does it mean? modal
    $400 to $995
    $400 to $995
    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.

About these fees

Click the links below to jump to a breakdown of the costs associated with each of our loans:

About these fees

Establishment fees

The establishment fee is charged for assessing, documenting and processing your loan. This fee is retained by us at the commencement of the loan.

Monthly fees

The monthly service fee is the cost charged for the administration of the loan. It will depend on the amount you borrow and the term of your loan. The fee will be debited monthly in advance on the first day of the loan term and each month after that.

There is no monthly fee associated with our Cash Boost Loan.

No early repayment or exit fees

Jacaranda Finance does not charge any fees for making extra repayments to your loan. 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!

Jacaranda also does not charge a fee for paying out your loan early. To make extra repayments on your Jacaranda loan, log into the FastMoney mobile app or customer portal and choose from a range of options such as debit card payment, bank transfer or direct debit.

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

Risk fees

The risk fee is a one-off, non-refundable fee that covers the level of risk associated with advancing a loan. This fee is retained by us at the commencement of the loan.

There is no risk fee associated with our Cash Boost Loan.

Missed payment fees

There is a missed payment fee associated with each missed payment. This missed payment fee is added to the account due to the additional administration required due to the missed payment. 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 get in touch with our customer service team as soon as possible. We will help you with a number of options to keep your loan on track. This can help avoid additional fees and charges.

Interest rate

The interest rate (charged on a per-annum basis) associated with your loan will vary based on a number of factors, such as your financial position, the loan product you choose and how much you borrow over what time frame.

Comparison rate

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.

Click the links below to jump to a breakdown of the costs associated with each of our loans:

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