Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


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*The Comparison Rate is calculated on a Secured Loan of $30,000 fixed for a term of 5 years, effective 22/06/2018 and subject to change. WARNING: The Comparison Rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Asset finance is largely risk based pricing where the final interest rate offered will be dependent on the risk profile of the customer applying. Rates can be as high as 29.99% in some cases. All rates, fees & charges will be disclosed for customers to make an informed decision whether the intended product & cost is right for them prior to accepting the offer.

Interest: 4.85%, comparison rate 5.72%

Car loans needed to help you hit the road? | Get up to $100,000 with Jacaranda Finance. Apply Now!

Fast car loan outcomes – Get pre-approved before you start shopping

how it works question

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 to do before you take the plunge and put your car loan to good use.

How it works

A Jacaranda car finance loan is a personal loan, for the specific purpose of purchasing a new (or used) car for yourself. We offer car finance from $5,000 and, for those of you looking to go all out for your dream ride, go all the way up to $100,000.

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 help.

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 car finance, we’re making car loan dreams come true across Australia.

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.

How do I apply for car finance?

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 get 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 car finance applications assessed and settled the same day we receive them, during business hours.

Fast Outcomes

Quick Turnarounds & Decisions

Speedy Application Outcomes

Complete Application in Minutes

Yep, you read that right. Same day approvals!

If you don’t receive an outcome for your car loan 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.

How to qualify for a personal loan?

It‘s simple to qualify for one of our Personal Loans.
To save your own time and energy, make sure you qualify for one of our loans before you apply.

  • Be over 18 years of age
  • Receive a regular income into a personal bank account for the last 90 days
  • Be an Australian resident, or have permanent residency
  • Have a direct contact number

How much are my car loan repayments?

Your car loan repayments will vary depending on your individual situation and loan term length. These repayments will be discussed with you at the time of settlement of your loan approval, however, if you would like to get some idea of what these repayments may be, just scroll to the top of this page and have a look at our handy car loan repayment calculator.

Simply select the amount you would like to borrow and the loan term you would like to borrow over and it will give you an approximate amount. Just remember that these are only indicative and your actual repayment amounts may vary a little to what is indicated by the car loan calculator. Our car loan repayment calculator is also a handy tool if you’re looking to see just how much you may be able to afford before making an application with us.

What fees are involved?

Here at Jacaranda Finance we believe in being 100% transparent when it comes to fees and costs. We’re always upfront and don't believe in hitting our clients with any hidden or unexpected fees. Quite simply, what you see is what you get.

We are typically able to offer applicants an annual interest rate of 5% per annum, and a comparison rate is 6.5% per annum. Just remember, your interest rate is always subject to assessment and will reflect your individual circumstances.

As with most lenders, we also charge a dishonour fee of $35 if your direct debit repayment fails.

Do you offer bad credit car loans?

Yes, we do! We understand that not everyone has an amazing credit history. We believe that your credit history should be just that, history!

As responsible lenders, we will conduct a credit check on your application, however, this is not the only thing that we’ll look at. We believe that your most recent banking history is a far better indicator of your current relationship with money and will give us better insight into how you handle your finances.

So, even if you do have bad credit we'll always take into account how you have changed your banking habits for the better. How do we do this, you ask? By looking at your most recent 90 days of banking history. If we can see that you’re back on your feet and handling your finances well, we may be able to help you out, despite your credit history.

Can I apply for car finance if I receive Centrelink benefits?

Yes, you sure can! As long as you are receiving a regular and consistent income or benefit into a personal bank account for a least 90 days, we are happy to accept your application for car finance.

How do I repay my car finance loan?

We’ve made repayments super easy. Your repayments will be set up as direct debit repayments in line with your pay cycle, whether that’s weekly, fortnightly, or monthly. You won't have to worry about remembering to make your repayments on time as it’s all sorted for you. Once your car finance loan has been repaid in full, your direct debits will automatically stop. How easy is that?

What if I can’t make my repayments?

We understand that sometime life throws you a lemon or two and things can happen that affect your ability to make your repayments. If you’re having trouble making your repayments or a situation arises that may affect your ability to make some of your upcoming repayments successfully, give us a call and let us know.

The sooner you let us know, the more we can do to help you out. We do require at least 24 hours notice to make any amendments to your repayment schedule. With at least 24 hours notice we may be able to adjust your repayments and take some of the stress off you to try and get you back on your feet. We’re here to help you out as much as we can, so if you’ve had your hours cut, lost your job or an unexpected situation has occurred, give our customer service team a call and they’ll be able to help you out.

car keys

We’re a lender you can trust

Responsible lending is incredibly important to us. Here at Jacaranda Finance, we’re not only 100% compliant with all relevant legislation, but we also have our own set of lending rules that we use when assessing every application. We conduct credit checks and use these rules to ensure that any loan offer we have for you, is responsibly offered and suitable. If we don’t believe that our loan products are a good solution for you, we won't offer you a loan. It is as simple as that.

We’re here to help you get ahead financially, not put you into a debt spiral that could have been avoided. We will always have your best interests at heart and are not out to simply make a quick buck. If we are able to approve you for one of our loan products you can be sure that we will never offer you more than you can afford and our repayments will always be reasonable and affordable for you.

Sound good?

Ready to apply yet? Fantastic! Scroll to the top of this page and get the ball rolling on getting your car finance sorted with Jacaranda Finance.

What our clients say

Fast car loan outcomes - Get pre-approved before you start shopping 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