Over 5,000 satisfied customer reviews
Jacaranda Finance Logo Jacaranda Finance Logo
Login
Get Started
Login
Get Started
MAIN MENU

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'

Get Started Now

*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!

0 +
Aussies Helped With A Loan
0 +
Loans Approved
0 /5
Google Rating
0 +
Years Helping People

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
Show the About Reviews modal About Reviews

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
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*
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    19.95% to 29.95%
    Comparison Rate
    Show the About Comparison Rate modal
    36.11% to 47.50%
    Loan Term
    25 - 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
    $129 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $26 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $1,295
    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
    $3,000 - $25,000
    Interest Rate
    16.95% to 29.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.99% to 45.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $125 to $1,190
    Monthly Fees
    Show the About Monthly Fees modal
    $26 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
    16.95% to 29.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.99% to 45.50%
    Loan Term
    25 - 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 $1,190
    Monthly Fees
    Show the About Monthly Fees modal
    $26 p/month
    Risk Fee
    Show the About Risk Fee modal
    $585 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.
  • FlexiCredit
    $1,000 - $2,000
    Interest Rate
    27.90%
    Comparison Rate*
    Show the About Comparison Rate* modal
    N/A
    Loan Term
    Ongoing
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    N/A
    Monthly Fees
    Show the About Monthly Fees modal
    1% of Credit Limit
    Risk Fee
    Show the About Risk Fee modal
    N/A
    Comparison 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.
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    19.95% to 29.95%
    19.95% to 29.95%
    Comparison Rate
    Show the What does it mean? modal
    36.11% to 47.50%
    36.11% to 47.50%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Unsecured
    Unsecured
    Monthly Fees
    Show the What does it mean? modal
    $26 p/month
    $26 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $129 to $990
    $129 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $1,295
    $0 to $1,295
    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
    $3,000 - $25,000
    Interest Rate
    16.95% 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 Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $26 p/month
    $26 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $125 to $1,190
    $125 to $1,190
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $0 to $995
    Comparison 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 Rate
    16.95% 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 Term
    25 - 48 months
    25 - 48 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $26 p/month
    $26 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $950 to $1,190
    $950 to $1,190
    Risk Fee
    Show the What does it mean? modal
    $585 to $995
    $585 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.
  • FlexiCredit
    $1,000 - $2,000
    Interest Rate
    27.90%
    27.90%
    Comparison Rate*
    Show the What does it mean? modal
    N/A
    N/A
    Loan Term
    Ongoing
    Ongoing
    Secured or
    Unsecured
    Show the What does it mean? modal
    Unsecured
    Unsecured
    Monthly Fees
    Show the What does it mean? modal
    1% of Credit Limit
    1% of Credit Limit
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    N/A
    N/A
    Risk Fee
    Show the What does it mean? modal
    N/A
    N/A
    Comparison Rate Warning*
    (FlexiCredit)
    Comparison 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:
Personal Loan Car Loan
2. I'd like to borrow: $8,500
- +
Please consider: Loans above $15,000 requires security in the form of a registered motor vehicle you own.
3. Loan Term (Months)
25 36 48
4. Repayment Cycle
Weekly Fortnightly Monthly

Ready to Apply? You can get started now.

Get Started Now
...
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% - 45.50%
Total Repayment
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.

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.