Access fast and reliable Personal Loans for life’s key expenses.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
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Flexible Personal Loans for any occasion.
Our Personal Loan product is a fast finance solution for everyday working Australians in various financial situations. We offer Personal Loans from $3,000 to $25,000, with loan terms ranging from 25 - 36 months.
Many of our customers are those who’ve been rejected by the legacy banks, often for no other reason than having a less-than-perfect credit score.
If you’re one of these Aussies who’s been let down by the banks, you could apply for one of our loans for any of the following common reasons:
Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.
Once you know what you can afford in your budget, use our three-step loan repayment calculator to estimate your repayments before you apply.
Ready to Apply? You can get started now.Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
If you've been rejected by a bank, we have a range of tools and features that could help you improve your credit score and increase your chances of getting approved next time.
Am I eligible for a Loan with Jacaranda?Â
You must meet the following basic eligibility criteria before submitting an application:
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.
Click here to learn more about what makes Jacaranda great!
How to apply with Jacaranda Finance.
Our loan application process for an Express Personal Loan 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. You can:
Want to learn more about our Personal Loans and how they work? Find out all the answers to our most common questions here.
You can apply for varying loan amounts with Jacaranda, depending on your needs:
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 loans, visit our rates and fees page.
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. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.
If you don't meet our initial criteria, your credit score won't be affected.
Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.
We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.
Other lenders will be able to see that you applied for a loan with Jacaranda.
This might impact your credit score.
Review our Privacy Policy for more information.
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.
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.
4,605 people have already started an application in the last 7 days.
$3,000 - $25,000
