How much can I borrow?

Jacaranda's Express Personal Loan for home improvements is most suited to larger expenses, so our borrowing limits range from a minimum of [BorrowMin] to as much as [BorrowMax]. Our other loan products offer different loan limits: Our Car Loans are for between [CarBorrowMin] - [CarBorrowMax]; Our Cash Boost loans are for between [MaccBorrowMin] - [MaccBorrowMax] Depending on your circumstances, the final amount we approve you for may not be the maximum loan limit.

Will you check my credit history?

Yes, as a responsible lending body, Jacaranda Finance is required to complete a credit check on all applications. However, our assessment process takes into consideration your entire financial situation, meaning your credit score isn't the only determining factor of approval or rejection. The better your financial position, the better your loan offer could be. We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years and it can be supplied on demand. As a rule of thumb, there are four reporting bodies that we may use to conduct a credit search: Equifax Experian Illion Talefin

How do I repay my loan?

Thanks to our secured self-service customer portal, you can easily manage your personal loan repayments online 24/7, 365 days a year. Repayments can be automatically deducted via direct debit, so all you need to do is make sure you have the money in your nominated bank account by the due date. To make it simple, you can ask to align your repayments with your pay cycle, whether it's on a weekly, fortnightly or monthly basis. After your loan is paid off in full, the repayments will stop, and you can choose to make extra repayments at any time and at no extra cost.

Home Improvement Loans Made

Name: Home Improvement Loans | Renovation Loan | Jacaranda Finance
Brand: Jacaranda Finance
Rating: 4.9 (2664 reviews)

Considering renovations or need urgent home repairs but don't have the cash? Jac's got your back with a same day² personal loan up to $25,000

Borrow $2,100 to $25,000

Same-Day Approval²

9-48 month terms

Get Started Now If Approved Get Paid in 60 Seconds³

You can now check your eligibility,
with no impact on your Credit Score!

I'd like to borrow

Over the term of

Get Started Now If Approved Get Paid in 60 Seconds³

You can now check your eligibility,
with no impact on your Credit Score!

*Subject to lending criteria, T's and C's'

4.9/5

2,660+ Reviews

No cash? No problem! Tackle essential home repairs with our fast flexible personal loans.

What is a Home Improvement Loan?

A home improvement loan is simply a loan (often a personal loan) used to fund home repairs or renovation projects.

As these projects can often be expensive, you might not have the cash on hand to pay upfront, or perhaps you prefer not to dig deep into your savings. But with a home improvement loan, you could even potentially increase your home’s value by a greater amount in the long run.

We offer home improvement loans from $2,100 to $25,000, with loan terms ranging from 9 - 48 months.

Home Improvement Loans For What You Need - & When You Need It.

Our most popular renovations with a home improvement loan!

Home Repairs

From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
Bathroom Renovation

A budget bathroom renovation from $5,000, can increase the house's value exponentially!
Solar Panels

Generally speaking, going green with solar can cost anywhere between $2,500 to $13,000.
Appliances and Furniture

New beds, TVs, office furniture, white goods dining sets, beds - you name it - can easily cost thousands of dollars.

Home Repairs

From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
Bathroom Renovation

A budget bathroom renovation from $5,000, can increase the house's value exponentially!
Solar Panels

Generally speaking, going green with solar can cost anywhere between $2,500 to $13,000.
Appliances and Furniture

New beds, TVs, office furniture, white goods dining sets, beds - you name it - can easily cost thousands of dollars.

The Easy Application Process - How it Works

Our loan application process for a Home Improvement Loan has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner.

Get Started Now

Estimate Loan Repayments

If you’re after more of a visual guide on how much one of our loans might cost you, use our loan repayment estimate calculator to get a guide on what your repayments could be with a Jacaranda home improvement loan.

It only takes a few seconds!

I'd like to borrow: $8,500

Borrow:
$8,500

- +

Over how many months:

Months

24 36 48

Estimated
repayments:

...

p/wk

Interest Rate

14.95% - 27.95%

Comparison Rate

29.30% - 42.80%

See Comparison Rate Warning

*Please consider: The example repayment is a guide based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.

Get Started Now If Approved Get Paid in 60 Seconds³

Product Details

Interest Rate

Comparison Rate*

Loan Term

Repayment Cycle

Secured or Unsecured

Establishment Fees

Monthly Fees

Risk Fee

Comparison Rate Warning*

Cash Boost

$2,100 - $4,600

Interest Rate

47.80%

Comparison Rate*

About Comparison Rate*

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

66.07%

Loan Term

9 - 18 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured & Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$400 Flat Fee

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$0

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $2,500 over 24 months. WARNING: This comparison rate is true 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.
Unsecured
Personal Loan

$5,000 - $15,000

Interest Rate

17.95% to 24.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

32.40% to 39.63%

Loan Term

24 - 36 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$140 to $995

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
Secured
Personal Loan

$5,000 - $25,000

Interest Rate

14.95% to 27.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

29.30% to 42.80%

Loan Term

24 - 48 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0 to $995

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.

This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.

Loan Eligibility Criteria

Be at least 19 years of age
Be employed on a permanent or casual basis, with consistent income for 90 days
Be an Australian citizen or permanent resident with a fixed address.
Have an active email address, phone number, & online banking details in your name.
Be in control of your current finances and handling existing financial commitments comfortably.

Information you will need to provide:

Basic personal information (i.e. full name, address, D.O.B, dependant number)
Employment status & details
Your bank statements*

*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.

Secured by

Trusted by 1,000s

4.9/5

4.8/5

4.7/5

4.8/5

- D. Dianita Miguel - 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 - See More

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. - See Less
- S. Shaan Johari - Google Review

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

Super easy and fast system, applying was seamless and money was instant! - See Less
- K. Kayleb Perkin - Google Review

Fast, reliable service had money in acc same day

Fast, reliable service had money in acc same day - See Less
- n. naomie falconer - Google Review

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

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
- N. Nathan Ross - Google Review

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

Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
- B. Breeanne Pocock - Google Review

Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. - See More

Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! - See Less
- N. Nathan Rice - Google Review

So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More

So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
- K. Kevin Kupke - Google Review

Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.

Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
- J. Jim Mccullough - Google Review

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

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
- B. Brendan Lau88 - Google Review