FlexiCredit
New
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
Online Loans from $3,000 to $25,000
Same-Day Approval2
25-36 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
Online Loans from $3,000 to $25,000
Same-Day Approval2
25-36 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
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'm looking for a:
4.
Repayment Cycle
...
Estimated per
* Repayment Disclaimer
*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.
Interest Rate
16.95% - 29.95%
Comparison Rate**
32.99% - 45.50%
Total Repayment
Including Interest & Fees
Including Interest & Fees
...
** 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.
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]()
Unsecured
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*
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Unsecured
Personal Loan$3,000 - $15,000![]()
Interest Rate19.95% to 29.95%Comparison Rate![Show the About Comparison Rate modal]()
36.11% to 47.50%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$129 to $990Monthly Fees![Show the About Monthly Fees modal]()
$26 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $1,295Comparison 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 Rate16.95% to 29.95%Comparison Rate![Show the About Comparison Rate modal]()
32.99% to 45.50%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$125 to $1,190Monthly Fees![Show the About Monthly Fees modal]()
$26 p/monthRisk Fee![Show the About Risk Fee modal]()
$0 to $995Comparison 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.
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Unsecured
Personal Loan$3,000 - $15,000![]()
Interest Rate19.95% to 29.95%19.95% to 29.95%Comparison Rate![Show the What does it mean? modal]()
36.11% to 47.50%36.11% to 47.50%Loan Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
UnsecuredUnsecuredMonthly Fees![Show the What does it mean? modal]()
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$129 to $990$129 to $990Risk Fee![Show the What does it mean? modal]()
$0 to $1,295$0 to $1,295Comparison 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 Rate16.95% to 29.95%16.95% to 29.95%Comparison Rate![Show the What does it mean? modal]()
32.99% to 45.50%32.99% to 45.50%Loan Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$125 to $1,190$125 to $1,190Risk Fee![Show the What does it mean? modal]()
$0 to $995$0 to $995Comparison 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.
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.
Secured by
Secured by
Available now
It’s Quicker With the Better Credit 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
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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.
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Super easy and fast system, applying was seamless and money was instant!
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Fast, reliable service had money in acc same day
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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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 !
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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.
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