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BetterCredit App
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Effortlessly manage your loans![]()
Easy access to customer service![]()
Make extra repayments & request statements and repayment date changes
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Subject to lending criteria, terms and conditions. See below for details.
Subject to lending criteria, terms and conditions. See below for details.
We believe healthy finances start with clarity. That’s why we’re upfront with our interest rates and fees, so you know exactly what you’re signing up for. No hidden surprises, just straightforward information you can rely on.
For more detailed information about who our products are designed for, please review our Target Market Determination.
$3,000 - $30,000
A secured loan is a personal loan that uses an asset – usually a vehicle – as security. By using an asset as security, you may be able to access different loan options compared to if your loan was unsecured. For example, you may be offered lower interest rates, higher borrowing limits or longer loan terms.
**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.
$3,000 - $15,000
An unsecured loan is a personal loan that doesn’t require any asset as security. It’s a simple, flexible option if you prefer not to use a vehicle or other asset as collateral.
**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.
$3,000 - $40,000
A car loan is a fixed-term loan used specifically for buying a car. We pay the seller directly then you repay us the amount you’ve borrowed through regular installments.
**Comparison Rate Warning
Comparison Rate Warning: the comparison rate is based on $30,000 over 60 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.
Award-winning lender
The Jacaranda Finance difference.
Clever tech to give your loan approval the greatest edge.We’re not a bank. We’re a smarter kind of lender that looks beyond credit scores to understand your real financial health. Our clever Edge Score system uses extra data from your bank statements to see how you're managing money today - not just your past.
It’s fast, simple, and secure and it could help you get the funds you need, when you need them most. That’s what sets us apart.
We offer something better.
Repayment calculators can only provide estimates. By sharing a few details about yourself, you could check what you qualify for without impacting your credit score*.
In just a few minutes, see which loan products you could be eligible for, how much you could borrow, your available loan terms and estimated repayments.
Once approved and you've accepted your loan contract, most customers get paid in 60 seconds.
Apply by 3:00pm with everything we need, and you could get your loan outcome that same day - simple as that.
Unsatisfied with your loan? You can return the total principal funds, including any payments made to third parties on your behalf within the 48-hour cooling-off period and cancel your loan.
It’s easy to get started...
Frequently Asked Questions
Read some of our most frequently asked questions to learn more about Jacaranda and our products.
Effortlessly manage your loans
