Online Loans

Want a loan that can be applied for completely online?
Jacaranda Finance offers a range of loan products that can be applied for 100% 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

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Online Loans from $3,000 to $25,000
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Same-Day Approval2
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25-48 month terms

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'

Want a loan that can be applied for completely online?
Jacaranda Finance offers a range of loan products that can be applied for 100% 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

Decorative graphic of a Coin
Online Loans from $3,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
25-48 month terms
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 approved, sign a digital loan contract. We'll then transfer you the cash within 60 seconds3.

Our digital 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 from the palm of your hand.

  • 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 online either through your mobile or pc.

  • Same-day outcomes

    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 3:00 pm, we could 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 from the palm of your hand.

  • 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 online either through your mobile or pc.

  • Same-day outcomes

    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 3:00 pm, we could give you a same-day outcome.

3.

Our Online Loan 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.

4.

Estimate Your Loan Repayments

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

Ready to Apply? You can get started now.

1. I'd like to borrow: $8,500
Please consider: loans above $15,000 and terms above 36 months, require security in the form of a registered motor vehicle you own.
2. Loan Term (Months)

Ready to Apply? You can get started now.

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
Show the What does it mean? modal
Loan Term
Repayment Cycle
Secured or Unsecured
Show the What does it mean? modal
Establishment Fees
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $130 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $130 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $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.
Interest Rate Comparison Rate
Loan Term Secured or Unsecured
Monthly Fees Repayment Cycle
Establishment Fees Risk Fee
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    17.95% to 27.95%
    Comparison Rate
    32.40% to 42.80%
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or Unsecured
    Unsecured
    Unsecured
    Monthly Fees
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    $130 to $990
    $130 to $990
    Risk Fee
    $0 to $995
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    14.95% to 27.95%
    Comparison Rate
    29.30% to 42.80%
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    25 - 48 months
    Secured or Unsecured
    Secured
    Secured
    Monthly Fees
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    $130 to $990
    $130 to $990
    Risk Fee
    $0 to $995
    $0 to $995
    Comparison Rate Warning*
    (Personal Loans)
    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.
    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.
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, number of dependants etc.)
  • 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.

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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
  • Check your credit score
    New!
7.

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
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8.

Online Loan FAQs

Find out the answers to some of our most frequently asked questions here about our online 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. 

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.