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Whether you need money to cover an unexpected bill, to buy your next car or if you’re planning your dream wedding, Jacaranda Finance can help you get your hands on a loan fast and turn your financial dreams into a reality.
Our competitive rates, rapid online approvals and flexible loan features make us a top choice for Australians looking for fast online loans.
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
The types of loans available with Jacaranda Finance
Once you start your search for a loan, it won't be long until you realise there's plenty to choose from. We've outlined our loan products here:
Express Personal loans
Our range of personal loans can help you reach your personal goals, whether it's a kitchen renovation, dream getaway and so much more. Some of the most common reasons people apply for a loan with us are:
- To travel
- For a wedding
- To renovate
- To buy a car
- To repair a car
- To pay off debt
- To pay for medical & dental expenses
- To pay for vet bills
And more!
Car loans
In the market for your next set of wheels? Hit the road with a fast, flexible and reliable car loan from Jacaranda Finance for up to $25,000.
Debt consolidation loans
Got multiple debts you need taken care of? A debt consolidation loan rolls all your debts into one manageable payment, reducing your interest bill.
Quick loans
Stay on top of bills and expenses with our quick loans. Once you're approved, you could get a fast outcome on the same day during normal business hours once all information has been provided2.
Cash loans
Get your hands on cash fast with our handy cash loans. We keep things simple and stress-free with minimal paperwork to help get you the financing you need.
Easy loans
When you need a loan fast, there's nothing worse than long waiting periods. That's why we've made our application process easy and provided quick financing with easy personal loans.
'Instant' loans
We're one of the fastest lenders in Australia, meaning we've got your back during life's unexpected moments. While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can.
Online loans
Like the idea of taking out a loan and managing your repayments entirely with an online lender? Look no further than a Jacaranda Finance online loan!
Same-day loans
When there's no time to waste, the last thing you want is to be stuck waiting for loan approval. Our same-day loans could have the money in your bank account on the same day2!
We do not guarantee same-day outcomes for all customers. Customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
Short-term loans
If you're keen to pay off your loan quickly or want to consolidate some debts, our short-term loans could be the right choice. We offer loan terms up to 48 months for personal loans and 48 months for car loans.
Bad credit loans
Don't let bad credit stop you from getting the loan you want. Jacaranda Finance provides responsible bad credit loans to applicants who may have been rejected at other institutions.
Secured and unsecured loans
At Jacaranda Finance, we offer both secured and unsecured personal loans to suit many purposes. We also offer express secured car loans.
See also: 5 Key Differences Between Secured and Unsecured Loans.
See all FAQs
Loan FAQs
Need to know more? Here are some of our most frequently asked questions.
A loan with Jacaranda Finance is a flexible option you can use to pay for some of life's biggest expenses: planned or unexpected.
Here are some of the most common reasons our customers take out a loan:
Once you've been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria and the loan product, loan amount and loan term you qualify for.
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 loan products, visit our rates and fees page.
This refers to the length of your loan and can be anywhere between 9 months - 48 months. With a car loan, our maximum loan term is 48 months.
Whether you intend to pay your loan off early or you would like to renegotiate your loan term, please contact us.
No. As our loans have a fixed interest rate, the rate you receive when you are approved is locked in for the entirety of the loan.
we're here to help
Need a hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
