How can I get an online loan fast?

As we’re a 100% online lender and offer 24-hour loan processing, you can apply anytime and anywhere. At the end of the application process, 80% of applicants get an instant outcome while the rest receive one in 60-minutes2 during business hours – provided all the necessary information is given. If approved, most customers have the money in their bank account and ready to use in just 60-seconds3 after signing their contract.

How do I apply for an online loan?

We make the application process simple. In just three simple steps, you can apply online for a loan: 1. Apply online; 2. Get your fast outcome, and; 3. If approved, receive your cash.

Will you conduct a credit check on me?

Yes, we do conduct credit checks. This is because performing a credit check is a part of every responsible lender’s application process. However, credit checks play a small role in our decision making. Our loan products are relative to your current financial position – the better your financial position, the better your rate gets. 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 7 years and it can be supplied on demand. There are four credit reporting bodies we may use: Equifax Pty Ltd (Equifax) W: www.equifax.com.au PP: www.equifax.com.au/privacy T: 13 8332 Experian Australia Credit Services Pty Ltd (Experian) W: www.experian.com.au PP: www.experian.com.au/contact-us Illion (formerly Dunn & Bradstreet) W: www.dnb.com.au PP: http://dnb.com.au/privacy-policy.html E: publicrelations@dnb.com.au T: 1300 734 806 TaleFin Pty Ltd (Formerly Lend Guard) W: www.lendguard.com.au/ C: www.lendguard.com.au/contact-us/ PP: https://lendguard.com.au/legal-policies/

Do you offer bad credit loans online?

Yes, we do. We lend to people with bad credit, good credit, and no credit rating. Our loan products are relative to your current financial position. The better your financial position, the better your rate gets. As an inclusive lender, we don’t rely solely on your credit score for you to qualify for one of our loans. We value numerous other pieces of information such as your ability and history of handling your current financial commitments.

What are the fees and charges?

The fees and charges will vary depending on a few factors including the amount you apply for, the term of the loan, your credit rating, and the strength of your application. Once you have completed an application, we’ll provide you with an offer. This offer will include all the details in relation to the loan including the amount, term, fees, charges, as well as terms and conditions. Submitting an application with us does not cost you anything and any offer is non-binding.

How do I pay back my loan?

We will set up a direct debit in line with your pay cycle. This way, you won’t need to manually make your repayments – they will be automatically deducted from your bank account until we receive your total repayment amount. Once you’ve paid off your loan, your direct debits will stop.

Can I pay back my loan early?

Yes, you can. The best part? There are no fees to pay out your loan early. All you need to do is contact our customer service team or log into your client portal.

Online Loans

Name: Online Loans Australia - 100% Online | Jacaranda Finance
Brand: Jacaranda Finance
Rating: 4.9 (2657 reviews)

Want a loan that can be applied for completely online? Jacaranda Finance offers a range of loan products that can be applied for 100% for on your mobile or PC. There is no need to go down to a branch or print out documents when you apply for a loan with Jacaranda Finance

Online Loans from $2,100 to $25,000

Fast and easy online application

Apply in 5-12 minutes¹

Get Started Now

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

Apply for a personal loan completely online - 24/7

1.

What is an Online Loan?

Here at Jacaranda, we pride ourselves on being a 100% online lender. This means that you can apply for one of our products completely online. There’s no need to go down a branch or print out any documents. You apply online and if you are approved you’ll sign an online contract and then within 60 seconds we’ll transfer you the cash.

Our online experience is second to none. We are always working hard to make your user experience the best it can be and if we can find a way to make it easier for you, we will.

2.

Benefits of our Online Loans

Fast and easy applications

Because we prioritise your online experience, our application form has been built to make applying for a loan as easy as possible. It’s 100% online and built with a mobile first approach.
Apply with our mobile app

Our customers told us we needed a mobile app and we listened. By downloading our FastMoney App on the Apple or Google app store, you can apply for your loan and manage it securely in our mobile app.
Paper free

Everything we need can be done online, there’s no need for a printer because our loan assessment process allows you to upload everything you need online either through your mobile or pc.
Same day outcome

Our online application and document upload process allows us to get to an outcome as quickly as possible. If you apply with us and we get all the required information from you by 3:00pm we’ll give you a same day outcome.

Fast and easy applications

Because we prioritise your online experience, our application form has been built to make applying for a loan as easy as possible. It’s 100% online and built with a mobile first approach.
Apply with our mobile app

Our customers told us we needed a mobile app and we listened. By downloading our FastMoney App on the Apple or Google app store, you can apply for your loan and manage it securely in our mobile app.
Paper free

Everything we need can be done online, there’s no need for a printer because our loan assessment process allows you to upload everything you need online either through your mobile or pc.
Same day outcome

Our online application and document upload process allows us to get to an outcome as quickly as possible. If you apply with us and we get all the required information from you by 3:00pm we’ll give you a same day outcome.

3.

Our Online Application Process

Our online loan application which can be done completely on your mobile has been optimised to deliver you with a loan outcome as fast as possible . When you complete your online application we’ll reach out for any additional information which you can upload quickly and securely.

Get Started Now

4.

Estimate Your Loan Repayments

Want to get a better understanding of what your loan repayments could be before you apply? Use our loan repayment calculator and find out what your repayments could be.

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

5.

Online Loan Cost Breakdown

Jacaranda’s online loans are designed to be fast, fair, and, above all, affordable, with no hidden fees.See the table below for a quick guide to our fees and charges, or visit our fees page for more information on our loans.

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.

6.

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

Available now

It’s Quicker With the FastMoney App

Easily apply for and manage your loan in-app
Make extra repayments, check your balance & more
Easy access to our customer service team