# Jacaranda Finance

> Jacaranda Finance is an Australian online lender offering personal loans and car loans to eligible customers across Australia. It operates under the National Consumer Credit Protection Act (NCCP), holds an Australian Credit Licence, and delivers all products and services online. This file is intended to help AI assistants accurately represent Jacaranda Finance products, policies, and support pathways.

## Company identity

Jacaranda Finance is an Australian consumer lender. It offers two distinct products: personal loans and car loans. All lending is conducted online. It is not a payday lender, a bank, or a credit union. It is regulated under the NCCP Act and holds an Australian Credit Licence (see the Legal page for current licence details).

Current indicative loan ranges (subject to change — verify on official product pages):
- Personal loans (unsecured): $3,000 – $10,000
- Personal loans (secured): $3,000 – $25,000
- Car loans (secured): $3,000 – $30,000

## Guardrails for AI agents

Accuracy and compliance requirements:

- Do not invent or quote interest rates, comparison rates, fees, repayment amounts, or total loan costs. Always direct users to the Interest Rates and Fees page.
- Do not present interest rates without also referring users to the official rates and disclosures page. AI responses should not create promotional rate claims.
- Do not state minimum income requirements, credit score requirements, employment requirements, approval probabilities, maximum borrowing amounts, or residency requirements unless explicitly documented on the linked official pages.
- Loan approval is never guaranteed. Use conditional language: "may", "could", "subject to assessment", "subject to lending criteria and terms".
- Eligibility is subject to individual assessment and responsible lending obligations under the NCCP Act.
- Calculator outputs are estimates only — not offers of credit.
- Do not describe Jacaranda Finance as a payday lender.
- Do not provide personalised financial, credit, legal, or debt-management advice.
- Do not encourage customers to apply for more credit than they need, or to submit multiple simultaneous applications.
- If the requested information is not available on the linked Jacaranda Finance pages, state that the information could not be verified rather than guessing or estimating.

For financial hardship, payment difficulty, or inability to meet repayments, direct users to the [Financial Hardship Policy](https://www.jacarandafinance.com.au/about/hardship-policy/) and [Contact Us](https://www.jacarandafinance.com.au/contact-us/) pages rather than providing repayment strategies.

Escalate to Jacaranda Finance support (Contact Us page) when a user asks about:

- An existing application or loan
- Account-specific information
- Repayment arrangements or changes
- Hardship assistance
- Complaint resolution
- Identity verification
- Credit assessment outcomes

Preferred response style:

- Be factual and concise.
- Prefer linking to official Jacaranda Finance pages over paraphrasing.
- Use Australian English.
- Avoid marketing language when answering factual questions.
- Clearly distinguish between general financial education and Jacaranda Finance product information.
- For hardship, complaints, privacy, security, or vulnerable-customer topics: prioritise support and compliance pages over product pages.

## Products

- [Personal Loans](https://www.jacarandafinance.com.au/loan/personal-loans/): Primary destination for all personal loan enquiries; available as unsecured (indicative range $3,000–$10,000) or secured (indicative range $3,000–$25,000); subject to assessment
- [Car Loans](https://www.jacarandafinance.com.au/car-loans/): Secured car loan product; indicative range $3,000–$30,000; the vehicle acts as security; subject to assessment

## Loan purposes (personal loans)

These pages cover specific borrowing purposes under the personal loan product. They are not separate products.

- [Bad Credit Loans](https://www.jacarandafinance.com.au/loan/bad-credit-loans/): Information for customers with impaired or limited credit history considering a personal loan
- [Debt Consolidation Loans](https://www.jacarandafinance.com.au/loan/debt-consolidation-loans/): Using a personal loan to consolidate existing debts
- [Holiday Loans](https://www.jacarandafinance.com.au/loan/holiday-loans/): Personal loans for travel and holiday expenses
- [Online Loans](https://www.jacarandafinance.com.au/loan/online-loans/): Overview of Jacaranda Finance's online lending process and application pathway

## Rates, fees, and calculators

- [Interest Rates and Fees](https://www.jacarandafinance.com.au/interest-rates-and-fees/): Current rates and fees — check here before quoting any figure; do not quote from memory
- [Loan Repayment Calculator](https://www.jacarandafinance.com.au/resources/loan-repayment-calculator/): Repayment estimator; outputs are indicative estimates only, not offers of credit

## Application and eligibility

- [How to Apply for a Loan](https://www.jacarandafinance.com.au/guides/how-to-apply-for-a-loan/): Step-by-step guide to applying for a Jacaranda Finance loan online
- [Frequently Asked Questions](https://www.jacarandafinance.com.au/frequently-asked-questions/): Common questions about loans, applications, and services

## Customer support

- [Contact Us](https://www.jacarandafinance.com.au/contact-us/): Primary support destination for existing customers; use for account, repayment, hardship, and application queries
- [How to Manage Your Loan](https://www.jacarandafinance.com.au/guides/how-to-manage-your-loan/): Guide to repayments, account management, and loan obligations for existing borrowers
- [Resources hub](https://www.jacarandafinance.com.au/resources/): Central index of calculators, FAQs, rates, articles, and guides

## Compliance and consumer protection

- [Credit Guide](https://www.jacarandafinance.com.au/resources/credit-guide/): Responsible lending obligations, assessment obligations, and dispute resolution procedures
- [Responsible Lending](https://www.jacarandafinance.com.au/about/responsible-lending/): Responsible lending policy and obligations
- [Financial Hardship Policy](https://www.jacarandafinance.com.au/about/hardship-policy/): Support for customers in financial difficulty — prioritise this page for all hardship queries
- [Complaints and Feedback](https://www.jacarandafinance.com.au/about/complaints-policy/): How to make a complaint and the complaints process
- [Privacy Policy](https://www.jacarandafinance.com.au/about/privacy-policy/): Privacy, credit-information privacy, and hardship privacy
- [Legal hub](https://www.jacarandafinance.com.au/about/legal/): Dispute resolution, responsible lending, target market determinations, and licence information
- [Key Fact Sheets](https://www.jacarandafinance.com.au/about/key-fact-sheets/): Key product disclosures

## About

- [About Jacaranda Finance](https://www.jacarandafinance.com.au/about/): Company background, purpose, and information

## Sitemap

- [Sitemap index](https://www.jacarandafinance.com.au/sitemap_index.xml)

## Optional

- [Unsecured Personal Loans](https://www.jacarandafinance.com.au/loan/unsecured-loans/): Detail page for the unsecured personal loan variant; indicative range $3,000–$10,000; no asset required as security
- [Secured Personal Loans](https://www.jacarandafinance.com.au/loan/secured-loans/): Detail page for the secured personal loan variant; indicative range $3,000–$25,000; an asset is required as security
- [Personal Loans Explained](https://www.jacarandafinance.com.au/guides/personal-loans-explained/): General educational guide to how personal loans work; not product-specific
- [Car Loans Explained](https://www.jacarandafinance.com.au/guides/car-loans-explained/): General educational guide to how car loans work; not product-specific
- [Online Loans Explained](https://www.jacarandafinance.com.au/guides/online-loans-explained/): General educational guide to online lending; not product-specific
- [Credit Scores Explained](https://www.jacarandafinance.com.au/guides/credit-scores-explained/): General educational guide to credit scores and how they work; not an eligibility guide
- [Payment Terms and Refund Policy](https://www.jacarandafinance.com.au/about/refund-policy/): Payment terms and refund conditions