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
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.
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 Better Credit 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.
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.
*Please consider: The example repayment is an estimate 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.
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.
Our 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 charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
Interest Rate
Comparison Rate
Loan Term
Repayment Cycle
Secured or Unsecured
Establishment Fees
Monthly Fees
Risk Fee
Comparison Rate Warning*
Unsecured Personal Loan
$3,000 - $10,000
Interest Rate
27.95% - 29.95%
Comparison Rate
44.50% - 46.50%
Loan Term
25 months
Repayment Cycle
Weekly, Fortnightly, Monthly
Secured or Unsecured
Unsecured
Establishment Fees
$13.50 - $950
Monthly Fees
$26 p/month
Risk Fee
$0 - $325.50
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
16.95% - 29.95%
Comparison Rate
32.99% - 45.50%
Loan Term
25 - 36 months
Repayment Cycle
Weekly, Fortnightly, Monthly
Secured or Unsecured
Secured
Establishment Fees
$125 - $1,190
Monthly Fees
$26 p/month
Risk Fee
$0 - $995
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.
Unsecured Personal Loan
$3,000 - $10,000
Interest Rate
27.95% - 29.95%
Comparison Rate
44.50% - 46.50%
Loan Term
25 months
Secured or Unsecured
Unsecured
Monthly Fees
$26 p/month
Repayment Cycle
Weekly, Fortnightly, Monthly
Establishment Fees
$13.50 - $950
Risk Fee
$0 - $325.50
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
16.95% - 29.95%
Comparison Rate
32.99% - 45.50%
Loan Term
25 - 36 months
Secured or Unsecured
Secured
Monthly Fees
$26 p/month
Repayment Cycle
Weekly, Fortnightly, Monthly
Establishment Fees
$125 - $1,190
Risk Fee
$0 - $995
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.
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, 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.
You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score.
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*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.
*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.
Super easy and fast system, applying was seamless and money was instant!
Scott Milkauskas
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Google Review
I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
naomie falconer
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Google Review
Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
Nathan Ross
-
Google Review
Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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.
Would recommend Jacaranda to any one !
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 my friends and relatives. Thank you very much.
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.
Brendan Lau88
-
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.
Kayleb Perkin
-
Google Review
Fast, reliable service had money in acc same day
Rebecca Hay
-
Google Review
Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process.
Rob Smith
-
Google Review
Had a good experience with jacaranda finance the form was easy to follow and the team helped when I had questions
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.
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
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
You can view your repayments from either the Better Credit app or online portaland contact our friendly customer service team to request any changes that you need.
We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:
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.
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.
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.
What Does It Mean
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.
What Does It Mean
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.
What Does It Mean
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.
What Does It Mean
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.
About Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 8/7/25
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink: Advance Payments.
The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
Please consider
(1) Applying for a loan with Jacaranda Finance takes most applicants 5 to 12 minutes, but it could take longer depending on several factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
Please consider
(2) We do not guarantee same-day outcomes for all customers. Most customers get a same day outcome on their loan application provided they complete a loan application and provide all supporting information we request before 3pm Australian Eastern Standard Time (AEST) on a normal business day. Customers that complete an application or provide requested supporting information after 3pm AEST (or outside of business day working hours) will receive an outcome the following business day.
Please consider
(3) 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.
Please consider
(4) We offer a 48-hour cooling-off period for all loan products. Anyone unsatisfied with their loan for any reason, can return the total principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan. If you have purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared into the Jacaranda Finance bank account.
Please consider
(5) We do not guarantee an increase in credit score. Individual results may vary. Credit reporting is processed in batches and may take over a month to reflect on your credit report. Credit bureaus are individual agencies not owned or controlled by Jacaranda Finance Pty Ltd. Credit scores are independently determined by credit bureaus. We will process and submit your account to the bureau/s but cannot guarantee that the bureau/s will accept and report your file promptly. There may be some functional or technical issues.
$3,000 - $25,000
