Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

How do I get approved?

Start the application process
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Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

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Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Home Improvement Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes2
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

Transform your house into a home

Whether it’s to create more living space, remodel your kitchen, or sort out urgent repairs, let us help fund your home improvement project. We offer home improvement loans from $2,500 up to $15,000 with funds transferred within 60-seconds3 of approval. Applying with us is quick and easy with our 100% online application form and 1-hour outcomes2.

  • Borrow from $2,500 to $15,000
  • 100% Online
  • Speedy Outcomes
  • Flexible Repayments
  • 60-Second3 Transfers

What can I use a home improvement loan for?

A Jacaranda home improvement loan can be used for just about anything. Here are some common reasons our customers take out a home improvement loan:

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Remodelling bathroom or kitchen

Been thinking of upgrading your bathroom or kitchen? Get the financial boost you need to kickstart your project.

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Swimming pool

Looking to beat the heat with a swimming pool? Let us lend you a hand with the costs.

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Home repairs

Whether it’s cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you’ve been putting off.

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Upgrades

A fresh coat of paint or replacing doors can be a great way to elevate your home and increase its value.

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Extensions

You might be wanting to increase the resale value of your home or cater to a growing family. Whatever the reason, our loans can be used to add extensions to your property, such as an outdoor deck.

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Landscaping

Looking to landscape your backyard? Make the grass greener on your side with the help of Jacaranda.

Am I eligible?

  • Be at least 18 years of age

  • Be an Australian citizen or permanent resident

  • Have a consistent income into your bank account for the last 90-days

  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

What do I need?

  • Basic personal information (i.e. full name, address, D.O.B)

  • Online banking details

There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you

 

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – GOOGLE REVIEW

It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.

Brendan Lau88 – GOOGLE REVIEW
 

Why choose Jacaranda for home improvement loans

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Our tech

We’ve won numerous awards for the state-of-the-art technology that we built for our customers. We have created one of Australia’s smartest, 100% online application processes to make applying for a loan quick and easy.

We use technology to understand your personal financial position, and we don’t just judge your credit score, which is why we’re able to help more customers that apply with us.

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Our speed

Our 100% online application can be completed within 8 minutes and will ask you questions about your personal situation as well as automatically request access to a read-only copy of your bank statements.

90% of applications have an outcome at the end of the process. The rest of the applicants typically have an outcome within 60-minutes2 during normal business hours.

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Australian-based & family-owned

All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in the country, which is backed up by our reviews on every review platform. We’re almost 10 years old and we’ve been family-owned since the beginning.

We value good old-fashioned values and are committed to giving our customers the best experience possible.

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60-second payouts

For most clients who have NPP-enabled bank accounts (which is 90% of bank accounts), the funds will be available and ready to use in your bank account within 60-seconds3 of accepting your contract.

If you do not have an NPP-enabled bank account, you will receive your funds overnight on the day you are approved.

Frequently asked questions

Want to learn more? Here are some common questions about our home improvement loans.