Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.
Need money to cover medical bills?
If you require an urgent medical procedure or wish to fund a cosmetic surgery you have been wanting, you can access an easy medical loan from Jacaranda Finance. Medical costs can be highly expensive, even if you have private health cover. Rather than worrying about sourcing money to cover your medical bills, worry about your health; consider quick medical loans from Jacaranda Finance to alleviate some of your stresses.
Why choose Jacaranda for medical loans?
Jacaranda Finance is an online lender which allows us to deliver fast and efficient services to all of our clients. We are an award-winning lender specialising in delivering quick loan outcomes; we were the first lender in Australia to deliver a 60-second payout. We endeavour to process loans within 60-minutes2 and support instant transfers on approval.
- 100% Online
- Quick and Easy
- $2,500 – $15,000
- Inclusive Lender
- 60-Minute Outcomes2
- Bad Credit OK
Get your cash in 60-seconds once approved3
How Jacaranda’s medical loans work
How do I get approved?
Start the application processApply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.
Apply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.
Over 4,800 Reviews On Trusted Platforms
Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.
Last updated: 03/05/2022

Eligibility criteria
Our applicants must meet the standard eligibility criteria stated below so that we can process their application. Please ensure that you can say ‘yes’ to the following:
- You are at least 18 years old
- You are an Australian citizen or permanent resident
- You have had a consistent income into your bank account for at least 90 days
- You have a mobile phone number and email address
- You have internet banking set up

Supporting documents required
We also require supporting documents to be submitted along with your application. Please ensure that you provide the following documents to receive the fastest possible loan outcome:
- 100 points of identification
- The reason for your loan
- Your basic personal information (name, date of birth, address etc.)
- Your online banking login details
- Your myGov login details (if you receive Centrelink benefits)
Medical loans for bad credit
Searching ‘how to get a medical loan for surgery’, but worried your credit score may stop you? Jacaranda Finance is an online lender; this allows us to be more lenient in our credit requirements than traditional lenders. We offer bad credit personal loans to eligible applicants that meet our lending requirements. We conduct a thorough financial assessment on each of our applicants by utilising current bank statements. If we find that an applicant can reasonably manage their loan repayments, even with a bad credit history, we may be able to provide them with a medical loan.
We follow the responsible lending guidelines set by ASIC and therefore must still conduct credit checks on all of our applications. However, a bad credit score will not stop you from accessing medical finance from Jacaranda Finance. We are a financially inclusive lender; we put more focus on your ability to repay your loan currently, rather than your past.
How does Medicare work?
Medicare is an affordable, accessible and high-quality health care system offered to most Australian residents. You can get a Medicare card if you live in Australia or Norfolk Island and meet certain criteria. You may be eligible for Medicare if you are here from another country, but limitations may apply.
Over 4,800 Reviews On Trusted Platforms
Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.
Last updated: 03/05/2022
Frequently Asked Questions
Need a hand?
24hr loan processing.
Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, if you need some help navigating what the best loan is for you, our friendly team is more than happy to answer any questions you may have.