Discover Jacaranda Finance

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Quick Turnarounds & Decisions
$300 $4600
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(you will be sent a verification code by SMS)

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.

We’ll have you sailing in no time! Apply for boat loans today!

Jacaranda Finance offers 100% online fast boat loans, up to $4,600 – APPLY NOW!

The feeling of your hair blowing in ocean wind, whilst you are a sipping a chilled glass of champagne, is something we should all experience. Jacaranda Finance personal boat loans can help put you in the water in style.

We are a 100% online loan service, with no hidden fees and fast approval. We aim to provide professional customer service, with the convenience of sorting your loan straight from your living room.

Here is a breakdown of our boat loans; what we offer and how and also the principles of Jacaranda Finance and how we stand out against traditional lenders.

how it works question

Firstly, why choose Jacaranda Finance?

Well, we want to help you out of stressful situations. When you apply for a boat loan with us, we understand that your loan is important and requires attention.

We offer personal loans for a myriad of reasons, including; quick cash, unexpected bills, same day cash loan, holiday loans and many more! Our loan terms are quick, competent and upfront about all costs. In short – rest assured your boat loans are in good hands.

Unfortunately, even though we may want to help everyone, sometimes we cannot. Due to our responsible lending practices, we cannot approve customers that has proven they cannot make repayments. We don’t want our clients to find themselves in further financial hardship, because of unattainable debt.

However, we are more lenient than traditional lenders. We accept customers with bad credit and those who are receiving Centrelink payments. As long as you have received a regular income for the past 90 days, we can forgive past financial mishaps!

how it works question

What is a boat loan?

Now let’s talk boat loans!

A Jacaranda Finance boat loan is a 100% online, fast, medium loan typically between $2,001 and $4,600. You can choose a minimum loan term of 13 months to a maximum of 24 months.

To ease the stress and hassle that typically accompanies loans and borrowing money, we have cut out all the extra steps to create a 4-minute loan application. Yep – you read that right.

All you need to do is hit the APPLY NOW button and fill out our 4-minute application form online and you will have a yes or no answer within 60-minutes!

Yes, 60-minutes! We aim to provide all our customers with a 60-minute turn around of their loan applications. So, simply sit back and catch up on our latest favourite tv show, whilst we assess your loan application.

We understand that sometimes life throws you unexpected situations that you may not always be prepared for. Here at Jacaranda Finance, we offer fast, fair, online approval loans.

All you need is to be over 18, have a regular source of income, be an Australian resident, and have an active contact number and you can apply now!

how it works question

What is a medium secured loan?

A medium secured loan is a loan for those customers wanting to borrow a little bit more than what is offered in a small loan. Our medium secured loans are between $2,000 to $4,600 and the loan terms run from a minimum of thirteen months to a maximum of 24 months.

A secured loan refers to required equity that is used to ‘secure’ the loan. For more information on the different types of loan, visit MoneySmart.

how it works question

How do our medium secured personal loans work?

Our medium personal loans are a minimum of $2,000 to a maximum of $4,600, the terms of the loan are dependent upon your individual loan, but will generally be between 13 to 24 months.

Jacaranda Finance has created an easy and simple boat loan calculator to help determine, your loan terms.

how it works question

What do I need to apply for boat loans?

At Jacaranda Finance, to apply for boat loans here is a handy list of all the things you’ll need:

Contact details

Remember, we are ready to help, whenever you need. So, if you have any questions about what you need to apply for a boat loan, don’t hesitate to get in contact with our friendly staff.

how it works question

How to apply for boat loans?

Applying for Jacaranda Finance boat loans is fast and convenient. Simply, follow these handy steps to map out your loan application:

Step one

Submit your loan application; it only takes 4 minutes due to our fast and simple application process. Apply online via our website, and to help you get started, use our boat loan calculator. Located at the top of any Jacaranda Finance page, simply select your loan amount and term, then click ‘Apply Now’!

Step two

Based on the personal details you provide, we will assess whether you’re suitable for a boat loan.

Step three

To assess your loan application, we require a copy of your bank statements and spending habits. However, unlike traditional lenders, we don’t require paper copies of these supporting documents. To create a convenient, no paperwork loan process we utilise the latest in safe banking technology.

Step four

We want to help anyone who applies for a boat loan at Jacaranda Finance. As a result, we forgive past financial mishaps, if your current financial situation is positive.

We consider customers who have suffered from bad credit or receive Centrelink payments. We are responsible lenders, so we will only approve customers that can comfortably afford repayments. The last thing we want is to land you in overwhelming financial debt.

Step five

We aim to provide a 60-minute turn around for your loan application.

However, there are a few factors that may affect fast turnaround, including how long it takes us to verify your information and the information you supply.

Once you are approved, your funds will be transferred to you immediately! It’s that easy, receive your funds in minutes and get back to what you do best. How fast your bank transfers the funds may affect how quickly you receive your moolah. At the very latest, you should have it overnight.

how it works question

So, how do I use the boat loan calculator?

Using the boat loan calculator couldn’t be easier! All you need to do is go to the top of the page and move the slider to the amount you want to borrow and then move the bottom slider to how long you would like to borrow your amount for.

For example, if your boat is going to cost $3,500 (top slider) and you want to pay it off over 19 months, this will cost you $90.58 in repayments a week.

Our boat loan repayment calculator can help you to decide how much money you need to borrow. It can also help you decide how long you will need to pay off your loan at the repayments you can afford.

Remember, loans over $2,000 require security in the form of a car, motorbike or caravan that you own.

how it works question

What if I only want a small boat loan?

At Jacaranda Finance, we also offer a small loan option for customers who are looking for a smaller loan. The terms for smaller loans vary compared to medium secured loans. Smaller boat loans are from $400 to a maximum $2,000 and are repaid over 16 to 50 week terms.

how it works question

Boat loans – how do I repay them?

Repaying your boat loan couldn’t be easier! We utilise the latest in safe banking technology to make your boat loan repayments hassle-free.

All you need to do is provide us with your direct debit details and nominate a day you want the repayment to come out. We will do the rest for you!

No need to take a trip to the post office or worry about paying online – your repayments will be automatic!

Once your final payment is complete it will be automatically cancelled. Easy as that!

how it works question

Do you perform Credit Checks on boat loans?

As part of our responsible lending practice, we do perform credit checks when we assess your boat loan application, however, we are more lenient than traditional lenders. Jacaranda Finance encourages all customers seeking boat loans to apply.

We adhere to our responsible lending policies and regulations. To do this we are required to perform credit checks on our applications.

We are, however, more lenient than traditional lenders and we are 100% online so why not just apply and have a chat with our friendly customer service staff about your situation.

how it works question

Can I still apply for a boat loan if I have had bad credit in the past?

Yes, we welcome all boat loan applicants. We assess all our applications individually and encourage all those looking for a boat loan to apply. We support positive credit reporting and believe that past financial mishaps should not condemn your current financial position.

If you are unsure of your credit history, click here to find it out for free online.

So, do you accept boat loan applicants who are receiving Centrelink payments?

Yes! Jacaranda Finance sees Centrelink payments as a source of income and we doesn’t reject customers based on generic criteria. We assess individual financial pasts and present and believe in reinforcing positive credit lending and rewarding a current positive financial situation.

We accept all Centrelink payments, apart from Newstart and Youth Allowance, as we consider these payments temporary source of income.

Here is a handy list of Centrelink payments we do accept:

If you are receiving Centrelink payments, but want to sail the seas, APPLY NOW for Jacaranda Finance boat loans.

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Our customers service promise

Jacaranda Finance is committed to providing quality customer service. We are the loan experts and we are ready to help with any enquiry. So, what are you waiting for? Simply contact us via our website or phone and our friendly team will help you out.

Our fast and convenient loan application is as a result of our 100% online persona, however, we place value on retaining a welcoming embrace for our customers. Our website is slick and simple to use, you should have no problem finding your way. If you are struggling, please don’t hesitate to contact our friendly team.

Meet the latest Jacaranda Finance team member: Dani, the bot!

Dani is a fun, helpful and intelligent AI bot. She can answer any questions you throw at her. Don’t be afraid, she is here to help!

Of course, you may be thinking, can’t I just talk to a human, well we have those too! At Jacaranda Finance, we have the best of both worlds available at the touch of a button.

how it works question

What should you be looking for when applying for a boat loan?

Therefore, if you have seen that perfect boat deal and need the finance now then why wait! Apply Now with Jacaranda Finance and you could have your cash instantly!

We are 100% online, we can have your boat loan approved usually within 60 minutes and we are an Australian finance company offering top rates on boat loans. No need for pesky paperwork, simply sign our loan contact online!

If you need any assistance, don’t hesitate to give us a call and chat to one of our friendly customer service representatives and get your boat loan underway!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

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%.

Terms

16
weeks minumum
50
weeks maximum

Example:

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

Costs

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.

Terms

13
months minumum
24
months maximum

Example:

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

Jacaranda Finance offers 100% online fast boat loans, up to $4,600 - APPLY NOW! 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