*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Tired of juggling multiple high‑interest credit cards or loans? Our debt consolidation personal loan could replace them — and any other debts — with one repayment at a potentially better rate. That means one interest rate, fewer fees, one due date and more control over your money. Need a little extra? You could borrow that too, all in one manageable debt consolidation personal loan.
Check if you’re eligible*. It won't impact your credit score.
Benefits:One repayment. One fixed interest rate. Zero hidden fees.
Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.
Once you know what you can afford in your budget, use our loan repayment calculator to estimate your repayments before you apply.
Ready to Apply? You can get started now.Say goodbye to paperwork. Applying with us is 100% online and takes just 5-12 minutes1.
Our clever tech looks at more than your credit history. Instead, we consider your current spending habits. It’s why we can say yes, when others say no.
99% of our customers receive a same-day outcome2 — we know you don’t have time to wait. Get your funds in 60 seconds if approved3.
Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
Clever tech to give your loan approval the greatest edge.
We’re not a bank. We’re a smarter kind of lender that looks beyond credit scores to understand your real financial health. Our clever Edge Score system uses extra data from your bank statements to see how you're managing money today - not just your past.
It’s fast, simple, and secure and it could help you get the funds you need, when you need them most. That’s what sets us apart.
A debt consolidation loan refers to using a single fixed interest rate personal loan to combine and pay out multiple existing debts. This can include smaller loans, store cards and credit card debt with multiple creditors. You will be left with one single debt which means one predictable regular payment, one set of fees and one interest rate.
Applying is Quick & Easy
Ready to get started? Click here and apply now.
A debt consolidation loan refers to a personal loan that can be used for consolidating other debts – subject to approval and lending criteria. By submitting a full application for a debt consolidation loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you.
How to check if you qualify for a debt consolidation personal loan?
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
As part of our loan assessment process, we’ll reach out to you to confirm the details and payout amounts of any debts you wish to consolidate under your new loan. This information will be included in your loan contract.
Once your contract is signed, your funds will be delivered in 60 seconds3. If you’ve elected to consolidate other debts as part of your loan, we can payout your debts directly to your creditors or transfer the funds to you to finalise the debts yourself.
To be assessed for a loan from Jacaranda Finance, you must meet the following basic eligibility criteria:
If you are unsure whether you’re eligible, you can check if you qualify with no impact on your credit score*.
We offer two main products at Jacaranda Finance:
For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.
Debt consolidation and refinancing both involve taking out a new loan to manage existing debt. The key difference is that consolidation typically combines multiple debts into one, while refinancing usually replaces a single loan (like a mortgage) with a better one.
Either way, the goal is the same: to move to a more manageable and favourable loan that suits your needs.
You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm from Monday to Friday and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
Applying over the weekend? If you submit your application on Saturday morning, you may receive a same-day outcome. Applications received later in the weekend are typically assessed first thing on Monday morning.
Still have questions? Our team is just a call or email away. Reach out and we’ll do our best to help you get the answers — or the loan — you’re looking for.
$3,000 - $25,000
