Discover Jacaranda Finance



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$300 $4600
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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Get your loan approved today - Short term cash loans

Loan up to $4,600 – Bad credit – Centrelink recipients – OK!

If you ever need to borrow cash fast, you may find that you need a loan. Perhaps it’s to pay an unexpected expense that crops up out of the blue. It could be to pay for your car rego or an expensive utility bill that was more than you expected. Though, it can be difficult at times for borrowers to gain access to credit from traditional lenders. That’s where we come in. Our loans are super easy to apply for, no paperwork, and you don’t even need to leave the house! Sound good? Here’s all you need to know…

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What is a loan?

A loan is a sum of money that the lender (us) lends to the borrower (you), that needs to be repaid at a given rate over an agreed upon period. There are a few fees associated with the loan however they’re completely transparent and you’ll never be hit with any unexpected charges.

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Who can get a loan with Jacaranda Finance?

Anyone who meets our eligibility requirements can get a loan with Jacaranda Finance. These are the requirements that we must comply with as responsible lenders. To get a loan you must be:


Over 18 years of age

Receiving a regular income

Be an Australian citizen, or permanent resident

mobile wifi
Have a direct phone number and email address

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How do you apply for a loan?

Applying for a loan with Jacaranda Finance couldn’t be easier. All you need to do is head to our homepage and fill out our easy online application form. It will ask you some questions about your personal details, your purpose for the loan and your employment status. The form is so simple that it only takes 5 minutes of your time to complete.

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What information do you need to apply?

As a part of your application, you need to provide a few pieces of information to support your application. The following is a list of some of the things we will ask you to provide in your application:

  • 100 points of ID to prove your identity
  • Internet banking details so that we can verify your income
  • Centrelink myGov details if you receive Centrelink income
  • Contact details such as mobile phone number and email address so we can contact you with an outcome of your application
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How much does it cost to borrow a loan?

With Jacaranda Finance, borrowing a loan costs a combination of an establishment fee plus monthly fees. There are also penalty fees if you miss making any of your direct debit repayments on time. However, if you don’t have any direct debit dishonours you won’t have to worry about this problem happening.

Though since Jacaranda Finance offers two different types of loans, the cost structure varies slightly between the two. We do either small unsecured loans from $300 to $2,000 or medium secured loans between $2,100 to $4,600.

The costs of our small personal loans (unsecured):

    Our small personal loans cost an establishment fee of 20% of the total loan amount

    Plus an additional 4% monthly fee

    There is also a direct debit dishonour fee of $35

The costs of our medium secured personal loans:

    With our larger secured loans, they cost an establishment fee of $400

    Plus, annual fees total 48%. Our comparison rate is 66.0347% based on a medium secured loan of $2,500 with a $400 establishment fee.

    There is also a penalty fee of $35 for any direct debit dishonours.

To give you a better idea of the costs of our Jacaranda Finance personal loans, head to our homepage and check out our personal loan calculator. The repayments factor in everything including the establishment fee, monthly fees as well as the principal amount. Therefore, the fees and the principal amount make up each of your equal repayment amounts.

In addition, it’s also worth checking out the Moneysmart website, which explains in more detail the permissible fees and charges for these types of loans.

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How do you use a loan calculator?

A loan calculator is a useful tool to help you to determine what your repayment amounts will be. The way it works is you choose the amount you want to borrow and select the length of the repayment period that you would like. Our loan calculator automatically includes our interest rates and fees.

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What are the lenghts of your loan terms?

Our loan terms also vary slightly between the different types of loans we offer. Firstly, you can borrow our small personal loans over a period of 12 months/

You can borrow our medium secured loans over a period of 13 to 24 months. Nevertheless, if you want to pay your loan off early you can! Especially because we won’t charge you any early exit fees.

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How does repayment of the loan work?

The way repayment works is we set up a direct debit so that your repayments come out of your account automatically. The intervals that your repayments are deducted from your account can happen on a weekly, fortnightly or monthly basis, it’s completely up to you. However, we do suggest that you set up your payments to match your pay cycle so you know you’ll always have enough money in your account.

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Do you need to have good credit to get a loan?

You don’t necessarily need to have a good credit rating to get a loan because we don’t always do credit checks . That’s because we know that there are other, more important, things to look at that will give us a more accurate representation of your relationship with your finances.

For instance, we prefer to look at the last 90 days of your financial transactions to see how well you can manage your repayments. If we can see you have been making regular repayments on time, we are much more likely to extend you an offer for a loan.

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What a re some reasons to borrow a loan?

The sky’s the limit for when it comes to using personal loans. You can use personal loans for any purpose you like. Though, here is a list to give you some ideas about what our personal loans can be used for:

    Pay for your car registration – car rego is something that, if you have a car, you can’t avoid. It’s a big sum of money that’s always due all at once. Small personal loans are perfect in this situation, especially if you’re not prepared for it.

    Get your car repaired – when your car gets damaged it’s always completely unexpected and you’re stuck having to pay for car repairs you weren’t prepared for and can’t afford A loan will give you the quick cash you need to get back on the road as quickly as possible.

    Fund part of your wedding expenses or honeymoon – if you’ve met the right person for you and you are ready to tie the know, personal loans can help you make your special day a reality without that added stress.

    Replace your white goods – these are those household items that are completely necessary but also quite expensive. Apply for a loan and have your washing machine back in action in no time.

    To cover the rental bond – when you move into a new rental property you’ll need to pay a bond upfront before you move in. This can be between a few hundred to a few thousand dollars depending on the size of the property you are moving into. Not everyone has that kind of cash just lying around, especially if you’re moving in a rush. A loan will have it covered, no stress at all.

These are only some examples of what the personal loan can be used for. It’ll really up to you to decide what the purpose of your loan is. You can even borrow one of our medium secured personal loans to consolidate multiple debts.

However, the only thing you cannot use one of our small personal loans for is to pay off another small loan.

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What are the benefits of getting a loan with Jacaranda Finance?

There are so many great things about taking out a loan with Jacaranda Finance. Below, we’ve outlined some of the benefits you can enjoy when you get a loan with us.

Our application process is easy – no messy paperwork, you don’t even need to leave the house. Everything can be done completely online without having to step a foot outside your door.

    You receive your money fast – from the time you apply to the time you receive your funds is almost no time at all. We try and get back to you with an outcome of your application within an hour of submitting your request to borrow. Then as soon as you have accepted your loan contract, we transfer your funds straight away. Depending on what bank you are with, you can receive your money the same day you apply.

    Great customer service – if you ever have a problem throughout the duration of your loan contract, you can contact one of our team members who can help you out with any questions or concerns you may have.

    Transparent fees and charges – one thing that sets us apart from other lenders is that we are very clear about what our loan fees and charges are right from the beginning. You don’t have to worry about being surprised with hidden fees. Plus, we don’t charge you early exit fees if you are ready to pay your loan off early.

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What should I do before I decide to borrow a loan?

Deciding to borrow can be a big decision to make since you are entering into a financial commitment. Whether you are getting a bank loan or a loan from an alternative lender, it’s always important to ask yourself some important questions to ensure that you are fully prepared before you decide to borrow.

    Can you afford the repayments? – We will never lend you more than you can afford to repay. Though it’s still a good idea to look at your budget and work out what you can comfortably afford. That way you won’t have to worry about being unable to afford the repayments. The last thing we would want is for you to get yourself into a difficult situation where you are struggling to make payments.

    What is the purpose of the loan? – is the reason you need to borrow a loan incredibly urgent? If your reason for borrowing money can’t wait any longer, then getting a loan is probably the right decision. Though if it’s not urgent, and you don’t have a particular purpose for the loan in mind, borrowing might not be the right decision.

    Have I met the eligibility requirements – check that you have met the eligibility requirements before you apply. If you haven’t your application will not be accepted.

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What if your application was rejected?

If you apply for a loan and your application is not accepted, don’t be disheartened. There may be several reasons for why this may have happened. Below is a list of some of the reasons your loan may have been rejected:

  • You are unemployed – if you don’t have a regular source of income from employment, lenders will wonder how you will be able to make the repayments for the loan. Though we do accept some Centrelink income recipients, we often require that they have a supplementary income too.
  • Direct debit dishonours on your account – when we do a check of your recent financial history we can see if you have been making your payments on time. If we can see multiple direct debit dishonours we will worry that you will make direct debit dishonours when you are repaying your loan with us.
  • You’ve made payments to gambling sites – if we see a lot of this kind of activity in your financial history, we will consider it to be risky behaviour and we may reject your application based on this information.
  • Cash is your form of payment – if cash is your only form of payment it can be difficult to verify your income. Unless you always deposit this money into your account, we won’t be able to see your income which means it will be hard to verify whether you’ll be able to repay your loan or not.

In summary, getting a loan can be a great solution to help you out in a sticky situation. They are easy to apply for and you receive them very fast. If it sounds like personal loans might be something you need, go on and apply for one now! What are you waiting for?

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Loan up to $4,600 - Bad credit - Centrelink recipients - OK! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much