Discover Jacaranda Finance



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$300 $4600
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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.

Want to turn your home into a dream living space? Why not get furniture finance? Here’s all you need to know!

Furniture finance loans loans from $300 to $4,600 right here with Jacaranda Finance, 100% online

They say home is where the heart is. That’s because where your loved ones, friends or fur babies live are the place you go to unwind and rest to make yourself feel like you again. Therefore it stands to reason that home should be a place that looks good and feels great so that you can feel at your best when you stay there. Not to mention that doesn’t it feel great to make your home look well-furnished and amazing. However, fully furnishing your home can come with a price tag. That’s where furniture finance comes in. These are loans that allow you to make your furniture purchases ahead of time and repay them later. If it sounds like something you could use, read on to find out all you need to know about furniture finance.

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What is furniture finance?

Furniture finance simply refers to a loan that serves the purpose of helping you to fully equip your home with the necessary furnishings. Furniture finance is especially useful for when you have moved to a new place and are in need of some new furniture to help deck out your new pad.

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How do you apply for furniture finance?

Applying for furniture finance is as easy as jumping onto our easy to use application form and filling out a few details. You can find the form here, and it only takes a few minutes of your time to complete.

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What is the step by step process of getting furniture finance?

The process of getting a furniture is so simple. The step by application looks a little bit like this:

Step 1: Fill out the online application form

This takes less than 5 minutes to fill out. It will ask you a few questions about your personal details as well as your reason for applying for a loan.

Step 2: Wait for an outcome of your application

If you apply during office hours we’ll aim to get you an outcome of your application within an hour of applying. So once you submit your application, just sit back and relax and you should hear from us in no time at all.

Step 3: Receive your funds

As soon as you receive an outcome of your application, we’ll transfer you your funds, immediately. If you’re with Commonwealth bank you should receive your funds the very same day you apply! If you are with a different bank, however, you should receive your funds the next day.

Who can apply for furniture finance?

The great thing about furniture finance is that anyone who meets our eligibility requirements can apply for them. Below is a list of the eligibility requirements we ask for as part of our responsible lending duty. To get furniture finance you must be:

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What information is needed when you apply for furniture finance?

In order to approve your application for furniture finance, we just need you to provide us with a few pieces of information. This information includes the following:

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How much can you borrow?

With Jacaranda Finance, we do two types of personal loans. With us, you can borrow an unsecured personal loan and get up to $2,000 which you can repay over 12 months. Alternatively, we do medium secured loans where you can borrow between $2,100 and $4,600 repaid over 13 to 24 months.

To work out what your repayment amounts will be, check out our loan repayment calculator which can be found here.

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What is the difference between your two different furniture finance options?

At Jacaranda finance, we do both an unsecured loan option as well as a secured loan option. The following table lists the differences between the two different loan types:

Small personal loans Medium secured personal loans
They are unsecured loans meaning they do not have an asset tied to the loan as security. These loans are secured meaning an asset needs to be tied to the loan as security for the lender.
You can borrow between $300 and $2000 You can borrow $2100 to $4600
An establishment fee of 20% the loan amount must be paid An establishment fee of $400 must be paid
There are additional fees of 4% per month Additional fees are 48% per annum

For more information you can also take a look at the MoneySmart website

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How do repayments of furniture finance loans work?

The way we set up repayments is by organising a direct debit. That means we arrange for your payments to come out of your account automatically we suggest setting your repayments to come out of your account the same interval as your pay cycle. This can either be weekly, fortnightly or monthly – whatever suits you best.

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What if I can’t make a repayment?

If for whatever reason you are unable to make a repayment the best thing to do would be to contact us as soon as you know you are unable to make a payment. We should be able to sort out a solution that works for both parties.

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What information do you need to provide when you apply for medium secured personal loans?

Since medium secured personal loans require an asset to be tied to the loan, we need you to provide a bit of information about the asset. This is so that we can make an accurate evaluation of the overall value of the asset. The assets that we accept as security for the loan are things like motorbikes, cars or caravans Here is a list of some of the information we’ll require to allow us to make an accurate valuation of the vehicle:

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What kinds of things can you buy with furniture finance?

With furniture finance, you can purchase all of your home necessities. You may want to focus on a particular room and get that all decked out. Or perhaps you just need to make one big expense – it’s up to you what you use your furniture finance to pay for. Here is a list of some furniture inspiration ideas:


Did you know that humans spend a ⅓ third of their lives sleeping? It stands to reason that we should, therefore, invest in the place where we spend our time getting our rest. If you want to invest in the place where you sleep but don’t have the funds to do so furniture finance can help you pay for a good quality mattress, an elegant bed frame, and luxurious bed linen. This way you can get the best night sleep and feel great every morning when you wake up.


Kitchens are the place where the magic happens. That’s right it’s the place where food is created. Therefore, it’s understandable that you would want to turn your kitchen into a creative and workable space. Ikea is the perfect place to go if you want to deck out your entire kitchen with all the necessities. At Ikea, you can get everything from kitchen appliances to kitchen cabinets, benchtops and much more.

Living room

This is the central living space, the place where you spend most of your leisure time at home with your family and friends. When creating your perfect living room space you’ll want to make sure you’ve got a comfortable couch, a TV storage unit, and television. You may even want to decorate it with some nice cushions, and indoor plants.


The bathroom is another place you spend a lot of your time. It’s the place where get clean and fresh, so why wouldn’t you want to have a clean and fresh bathroom too? Ikea has some great inspiration ideas (no follow) to help you to equip your bathroom with all the things you need.

Outdoor and Garden

You may want to get furniture finance to help spruce up your garden and entertainment area. Again Ikea has all the necessary things you need from outdoor furniture to barbeque sets to outdoor cushions and lighting.

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Does Ikea finance furniture?

Many people ask, does ikea finance furniture? And in fact, they do. Although it’s not always possible to get a loan from Ikea. That’s why here, as your alternative finance option to make your financial goals a reality.

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Why get furniture finance?

Getting a loan to pay for furniture has various benefits that you can enjoy. Firstly, your home is often the place that you spend most time in. Or if it’s not the place you spend the most time in its likely to be the place where you spend the majority of your leisure time. It makes sense than to want to make this space as accommodating as possible. Though this may require an investment of a few bucks.

Furniture finance can help you to enjoy the benefits of your accommodating living space while you pay your loan of later. That means you can be more relaxed and productive at work when you have a nice place go home to and relax in.

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Why get furniture finance with Jacaranda Finance?

There are many great reasons as to why you should choose Jacaranda Finance as your furniture loan provider. Check out our key attributes below:

Application and approval process 100% online

Firstly, our furniture finance applications are 100% online. That means you can do everything online, without even having to leave your house. Not only does this mean less stress for you, but it also means less time wasted getting paperwork together, and waiting at the bank to receive an outcome of your application.

Receive your funds the same day

At Jacaranda Finance, as soon as we approve your loan application we transfer your funds to you straight away. If you are with commonwealth bank, your funds will be in your account that same day! Other banks mean that your funds will arrive the next day.

Our fees and charges are completely transparent

The great thing about Jacaranda Finance is that all of our furniture finance loans have clearly outlined fees and charges, that means that you won’t be surprised with any unexpected costs throughout the duration of your loan term.

Receive a bigger loan later

After you have successfully repaid a loan with us, we are likely to approve you for a loan the next time, and often without a credit check.

In summary, if you’re ready to turn your living space into the dream home zone you’ve always wanted, you can make it a reality with the help of furniture finance. It can be as easy as applying online, receiving your funds the same day, and purchasing your furniture the very next day. If it sounds good to you, don’t wait any longer – make your dream living space a reality today.

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.

What our clients say

Furniture finance loans loans from $300 to $4,600 right here with Jacaranda Finance, 100% online 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