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Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(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.

Car loans needed to help you hit the road? | Get up to $4,600 with Jacaranda Finance. Apply now!

Same day 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 $1,000 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 (read: NEED!), 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 colour, car loan ready and waiting. To submit an application, simply head to the top of this page and hit the apply now button. Fill in our quick 5 minute 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 Approvals

Quick Turnarounds & Decisions

Application outcomes within 60 minutes

Only a 4 minute application

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. Keep an eye on your mobile phone and email address! If we receive your application outside of our business hours we’ll start assessing it first thing the next business morning.

Who is eligible to apply?

Our eligibility criteria is fairly simple. You must be:

  • At least 18 years old
  • Receiving a regular income into a personal bank account for at least 90 days
  • An Australian citizen or permanent resident
  • Able to access to an active mobile number and email address

That’s it! If you meet the above criteria, you’re eligible to apply for car finance with Jacaranda Finance.


See answers to any questions or queries you have


Our costs are simple. 20% establishment fee as well and a 4% flat fee per month providing you pay us back on time.


Find it easier to email? One of our operators will respond to your email ASAP.


Any of our friendly real operators are available for a call from 8am to 6pm Monday to Thursday, 8am to 4pm Friday, and 8am to 12pm Saturday.
Call us now on 1300 189 823.

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.

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.

Do you offer bad credit car loans?

Yes, we do! We understand that not everyone has amazing credit history. We believe that credit history should stay in the past, it is history after all!

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 in your credit history, we 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 income or benefit into a personal bank account for a least 90 days, we are happy to accept your application for car finance.

Why choose Jacaranda Finance for your car finance?

1. We’re here to help you

We pride ourselves on being the kind of personal loan company that strives to help everyone who applies. We’re a family-run company, with strong values that guide us through our day to day operations. We aim to help people in all different situations, from all different walks of life. Think of us as the company you can turn to when you need a helping hand.

2. 100% online

We’re 100% online and we believe in making your car finance loan as simple as possible for you. We’re all busy and don't want to spend hours trying to fill in confusing applications, only to then have to run off and collect a ton of paperwork! That’s not the Jacaranda style. We’re here to get you sorted quick smart and get you that step closer to your new car!

3. Fast assessment and approval times

We pride ourselves on our fast turnaround time for assessing your applications. Our specialist assessment team are damned good at what they do and will have you an outcome as fast as they possibly can.

4. Customer Service

We have a dedicated team of customer service experts who are damned good at what they do. Any questions or queries you might have about Jacaranda Finance, car finance, your application progress or anything else can be directed to them and they’ll do their very best to answer them for you. Got a question that we’re unsure about? We’ll find the answer for you!

5. We understand

We’ll never judge you no matter what your situation is. We’re here to help you, and we understand that everyone has different circumstances. Take comfort in knowing that whether you’re applying for a loan cause you need some quick cash, or you need a helping hand amending your repayments on a current loan, we’re here to help you. We also understand that not everyone is perfect or has perfect credit history. But we’re willing to work with you and get you on your way to financial freedom.

6. No hidden costs or fees

We don’t believe in hidden costs and fees. We’re always 100% transparent with any fees associated with your loan before you sign your contract and we will always make sure you’re fully informed before sending your contract to you. You’ll know what you’re getting yourself into with Jacaranda Finance.

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

Same day 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