Home Repair Loans
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Award-winning lender
Does your home need some extra love?
Whether you're turning your house into a home, or some unexpected large repairs have to be done, home improvement can get expensive.
If you're searching for personal finance options, you've come to the right place. At Jacaranda Finance we offer home repair loans from $3,000 to $25,000, and with our express approval turnaround time, you can get behind the tools in next to no time.
Why get a home repair loan with Jacaranda Finance?
From cracked tiles to a leaky roof, a home improvement loan can help you sort out those much-needed repairs you've been putting off.
$3,000 to $25,000
25 months to 36 months
Fixed
Weekly, fortnightly or monthly
Customers who pay their loan out early do not incur any additional fees or charges for doing so. Fixed fees that have already been incurred are due and payable.
Rates & Fees
Trusted by 1,000s
We Make Applying Easy
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.
That’s why our loan application process has been perfected over time to be as simple and quick as possible.
Can I also get a renovation loan with Jacaranda?
With fixed repayments and both secured and unsecured loan options, our customers can take out a Jacaranda Finance personal loan for a large number of fixes around the home, including:
New furniture & appliances
Impress your guests with a new couch, TV, or dining table thanks to a Jacaranda home improvement loan.
Need a loan to pay for new appliances? Consider a White Goods Loan.
Remodelling your bathroom or kitchen
Thinking of upgrading your bathroom or kitcstart your project.hen? Get the financial boost you need to kick.
Installing green appliances
If you want to boost your home's energy efficiency with a set of solar panels, a battery, a water tank or a new air conditioner? By using a Jacaranda personal loan to install them, you could save thousands in the long run.
Building a swimming pool
Looking to beat the heat with a swimming pool? Let us lend you a hand with the costs.
Upgrades
A fresh coat of paint, new insulation to keep you warm or replacing creaky doors can be a great way to improve your home and increase its value.
Landscaping
Looking to landscape your backyard? The grass is greener on your side with the help of Jacaranda.
Home security
Need to ward off would-be thieves? A Jacaranda home improvement loan can lock in the funds for security cameras, safer doors, home alarm systems and much more!

Am I eligible for a Jacaranda loan?
You must meet the following basic eligibility criteria before submitting an application:- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
If you are unsure whether you're eligible, you can check if you qualify initially. This will not impact your credit score.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations

Home Repair Loans FAQs
Here are some of our most frequently asked questions about our home repair loans.
You can apply for varying loan amounts with Jacaranda, depending on your needs:
- With our Express Personal Loan, you can borrow between $3,000 and $25,000.Â
- With our Car Loan, you can borrow between $10,000 and $25,000.
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.
Visit our rates and fees page to get an idea of the costs associated with our loan products.
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria, loan amount, and loan term for which you qualify.
Use our loan repayment estimate calculator to get a guide on what your repayments could be.Â
Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.
If you don't meet our initial criteria, your credit score won't be affected.
Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.
We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.
Other lenders will be able to see that you applied for a loan with Jacaranda.
This might impact your credit score.
Review our Privacy Policy for more information.
Our loan application process 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. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
Yes, there are a number of ways that you pay out your loan ahead of the loan term specified in your loan contract at no additional cost.
To pay out your loan early or make extra repayments, log into the Better Credit mobile app or customer portal and choose from a range of options such as debit card payment, bank transfer or direct debit.
Read more: Personal Loan Repayments 101.
Need a hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you.
You can easily get in touch online or via the Better Credit app. Jacaranda's customer service team is available to chat six days a week, and services are available online 24/7.