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.

Putting off home improvements?

A renovation project can be a big expense to take on. According to Suncorp, average renovation costs can vary from $60,000 to $70,000. It’s no wonder that people might put off their home renovation plans! If you’ve been avoiding your home renovations for too long, you might want to consider a home renovation loan.

  • 100% Online
  • Quick and Easy
  • $2,500 – $15,000
  • Inclusive Lender
  • 60-Minute Outcomes2
  • Bad Credit OK

Get your cash in 60-seconds once approved3

Home renovation loan options

We offer two types of renovation loans: small loans, medium loans, and large loans.

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Medium Loan

Security Options: Secured and Unsecured
Loan Amount: $2,500 to $4,600
Loan Term: 9 to 24 months

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Large Loan

Security Options: Secured and Unsecured
Loan Amount: $5,000 to $15,000
Loan Term: 9 to 24 months

How Jacaranda’s renovation loans work

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Our tech

We’ve won numerous awards for our state-of-the-art technology. 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

The 100% online application can be completed in minutes1, and will ask you questions about your personal situation as well as automatically request access to read-only copies 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-minutes during normal business hours2.

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Australian-based and family-owned

All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in Australia, 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 we 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-seconds of accepting your contract3. If you do not have an NPP-enabled bank, you will receive your funds overnight on the day you are approved.

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.

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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.

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
 

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

  • Personal details (i.e. name, address, D.O.B)
  • Your phone number and email address
  • 100 points of ID (e.g. drivers licence)
  • The reason for your loan
  • Online banking and employment info

Frequently Asked Questions