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Australian Small Business Champion Award
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How To Apply for Car Loans

When you’re searching for vehicle finance, the last thing you want is red tape. Just apply with Jacaranda Finance in three simple steps:


You Apply Online

Complete our online application in just a few minutes. Simply start with our loan calculator, select how much you wish to borrow and for how long, then once you’re happy with your proposed loan terms, click the ‘Apply Now’ button. You’ll be taken straight to our quick application, where we’ll ask for a few more details. Once you’re happy, press ‘Submit’ and we’ll receive straight away (if you apply during business hours).

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We Get To Work

Now it’s our turn to work the magic. After we receive your application, we’ll get straight to work finding you a lender-partner that can help. We may need additional information from you, so keep an eye on your emails or phone. We want to refer you to a lender as quickly as possible.


Meet Your New Lender

If we can find you a lender, we’ll let you know straight away. Then, your lender should contact you to go over the finer details of your application to see whether you’re suitable for a car loan. So, just three simple steps you could refer you a lender-partner that can offer you the loan you need. Skip the endless googling, and opt for a lender-finder that is 100% online, and ready to help in minutes.

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Why Choose Jacaranda?

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Fast, transparent applications

Is it a YES or is it a NO? We know that‘s all you want to know at the end of the day. Most, but not all, applicants should receive an outcome in just 60 minutes, as long as they applied within business hours.

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Customer Service is Key

We like to look after our customers. Our dedicated team of real customer service operators are available via phone or email during normal business hours, ready to run through the costs associated with our loan products.

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Credit history isn’t everything

Everybody makes mistakes. Credit History plays a very small role in our loan assessments. Jacaranda will consider your loan application regardless of the mistakes you may have made in the past.

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What our clients say

We Find The Car Loans Lender, So You Don't Have To Overall rating: 4.7 out of 5 based on 152 reviews.

Always helpful and stress free

5 5 1
This is my third loan with Jacaranda and as always it was a hassle free quick process. I recommend to anyone seeking a loan to apply to Jacaranda first for a easy to understand quick response with friendly helpful staff. Much thanks again.
Word of Mouth 2017 Word of Mouth 2018

Looking For A Car Loan?

Great stuff! It’s an exciting time, but don’t forget that buying a car is one of the biggest financial decisions many of us will ever make, besides buying a home. There are a bunch of things that you will need to think about and remember before you take the plunge and put your car loan to good use, but don’t worry we’re here to help. Do you need cash now? Why not turn to the experts?

There are plenty of things to consider when choosing the right lender – that’s why we’re here to help!

At Jacaranda Finance, we make looking for car finance that bit easier by referring you to trusted lender-partners that can lend a hand. If you’re searching for a car loan, you’ll soon discover that there is plenty to choose from, so how do you sieve through the clutter and find a lender that can help. That’s where we come in handy. We refer you to a trusted lender-partner that can offer you the car loan you need.

So, whether you’re looking for a reliable little car loan to get you around town a little quicker or something a bit more flashy, Jacaranda Finance can refer you to a lender that can get your driving.

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Applying For A Loan Shouldn’t Take Days

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When you apply with Jacaranda Finance, you can meet your new lender in a matter of minutes, not days (depending on when you apply and your financial situation). Not only do we have the fun of hunting for our dream car, our very own ‘Bee’ or ‘Kirby’, choosing colours, models, any extras we may want, but we also have to consider how we’re going to fund our little dream-mobile.

Now, you may already know exactly what you want and have the funding sorted, but many of us may be a little unclear as to both what kind of vehicle we want, and how we’re going to pay for it when we do finally decide!

This is where Jacaranda Finance can help you out. With our comprehensive lender-finding service, you can be paired with a lender that is ready to give every Aussie a fair go.

Whether you’re looking for a family-friendly car for your growing tribe, a new truck for work or something a bit more sleek to represent a new phase in your life, look no further than Jacaranda Finance.

We Do The Searching, So You Don't Have To

If you’re on the hunt for car finance, you may find yourself feeling a little overwhelmed by choice. We get it. That’s why we’re ready to do all the hard work for you. whether you have bad credit or receiving Centrelink, we know a lender or two that will do their best to help.

After searching endlessly through lenders, we’re sure you’re tired of complicated applications with no end results. Well, at Jacaranda Finance it’s a different story. You can apply in three simple steps, and we’ll do our best to refer you to a lender-partner in no time. So, don’t wait, apply today in minutes and you could be in contact with the lender you’ve been searching for.

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Frequently Asked Questions

At Jacaranda Finance we don’t offer car loans, however, we have lender-partners that are ready to give Aussies a fair go at finding the finance they need. So, we thought, why not connect lender to applicant, without the hassle of endless searching and applying. Apply with Jacaranda for one application, and one lender.

Our lender-partners can offer car loans between $8,000 and $100,000. Typically, car loans are secured, however, our lender-partners can accept security that you are in the final stages of purchasing. If all you need is the finance to tie up the loose ends, we may be able to refer you to a lender that can help.

We know that when you need a car loan, the last thing you want is to sit on the phone for hours on end, dishing out your personal information to a dozen call centre agents. That’s why we’ve made our application process as easy and as fast as possible for you.

Life these days is busy. We want to help you find a lender that can offer the car finance you need, with the least amount of hassle possible. Let’s get the finance sorted so you can get back to choosing the perfect car for you!

To submit an application, simply head to the top of this page and hit the apply now button. Fill in quick application and submit your supporting documents. Our assessment team will take a look at it as soon as we receive it. We aim to have all applications assessed and settled the same day we receive them, during business hours.

If you don’t receive an outcome for your application on the same day, don’t worry too much. We probably just need some extra information from you. One of our team members will be in touch as soon as possible. Just be sure to keep your phone handy as we’ll contact you via phone call or email!

If we receive your application outside of our normal business hours we’ll start assessing it as soon as we’re back in the office.

As we are a lender-finder, we cannot speak to the individual terms and repayment costs of other lenders. If we refer you to one of our lender-partners, they should go over the possible loan costs associated with your proposed terms.

When it comes to car loans from $8,000 to $100,000, Jacaranda Finance is a lender-finder, so we cannot speak to the individual costs of other lenders. However, we can guarantee that our lender-partners will give you a fair go at finding the car finance you need. So, if you looking for a car loan, we can refer you to a lender that is ready to help.

Yes! We can refer you to one of our lender-partners that is ready to give applicants with bad credit a go. Of course, we cannot guarantee approval, however, our lender-partners can look beyond your credit score, and examine your current relationship with money. So, if you have bad credit, don’t let that deter you from applying with our lender-finding service. We’ll do our best to refer you to one of our lender-partners.

Yes, you sure can! Our lender-partners are ready to give every applicant a fair go at finding the finance they need. Whether they receive Centrelink, have less-than-perfect credit or are self-employed. They may be able to help when the big banks cannot. How? Our lender-partners can look at more than just one criterion of your application, they can also look at your current relationship with money to determine whether you’re suitable for a loan. Of course, we’re simply the lender-finder, if you have any concerns of questions about our application, contact your lender.

We understand that sometimes life throws you a lemon or two and things can happen that affect your ability to make your repayments. If you’re unable to make your repayment, please let you know straight away. The sooner the better. Your lender should be able to restructure your repayments to avoid any nasty additional fees.

The sooner your lender know, the more they can do to help you out. Most lenders do require at least 24 hours notice to make any amendments to your repayment schedule. With at least 24 hours notice they may be able to adjust your repayments and take some of the stress off you to try and get you back on your feet. So, if you can foresee a missed repayment, contact your lender right away.

We want to make life that bit easier, so just have all those details handy before you apply to save some time:

  • Personal contact details e.g. active mobile number and email address

  • The reason for your loan

  • Internet banking details

  • MyGov info (if you receive Centrelink)

  • Employment details

Having these details by your side when you apply will save you the hassle of searching for them once you’ve already begun your application. See, we think of everything! So, if you’re ready to apply, just scroll and select how much you wish to borrow and for how long to begin your quick application.

Why Choose Us?

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We take pride in our work

At Jacaranda Finance we pride ourselves on being able to help people get out of stressful situations. That means that whenever an application is submitted to us, our team will work tirelessly to try and come up with the best offer possible.

Whether you’re looking for cash loans, debt consolidation loans, secured loans, dental loans or even holiday loans, we do the lot! We’re your one-stop-shop for all things loans and our eligibility requirements cover people in all different situations.

As much as we’d love to, we unfortunately can’t help absolutely everyone who applies. We are responsible lenders which means we have a duty of care to our customers to ensure they are capable of paying back their loan without any stress. The last thing we want is for our clients to find themselves in financial hardship or overcommitted after applying for a Jacaranda loan. We’re here to help your situation, not hinder it!

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Our process is simple and easy

So, if it’s personal loans, medical loans, micro loans, unexpected bills loans, same day cash loans, quick cash loans, a cash advance, unsecured personal loans or travel loans you’re looking for, you’ve come to the right place! Yep, you read that right. Your loan can be used for just about anything.

Our application form will be the easiest thing you do all day and you’ll hear back from us in record time! We understand that what you’re looking for is quick cash and that’s why quick cash loans and same day cash loans are our speciality. Our comfortably lengthy 12 -24 month repayment periods will also give you enough breathing room to repay your loan without any sweat off your back.

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We are the loan experts

We offer small unsecured personal loans and secured loans. You can borrow anywhere between $300 to $2,000 for unsecured personal loans and $2,001 to $10,000 for secured loans. You’ll be able to put in how much you need when you submit your application, but remember - it all comes down to how much your getting and spending each month!

If you do decide to go for secured loans then we will ask for an asset to be attached for security. This could be anything from your car to your motorbike, campervan or boat! Once again, it’s up to you! However much you’re wanting to borrow, enter it into our loans calculator at the top of the page and away you go!

We just ask that you tell us the reason you are borrowing the money. It doesn’t matter whether it’s debt consolidation loans, medical loans, micro loans, holiday loans, dental loans or even extra travel loans that you’re applying for. Heck, you could even use it for Christmas expenses! Just let us know so we can provide you with the best offer possible!