Online Loans
If you’ve been searching everywhere for online loans, you’ve come to the right place. Jacaranda Finance is the online loan specialist that could help you.
I would like to borrow
$5,000
$and pay it back over
17 months
$159.53
estimated
Estimated repayments starting from
GOOGLE RATING
2,000+ reviews
Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.
Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.
How do I get approved?
Start the application process
Apply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.
Apply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.
Online Loan Details
| Loan Amounts | $5,000 – $15,000 |
|---|---|
| Loan Terms | 12 – 24 months |
| Starting Interest Rate (APR) – Excellent Credit Check out our Rates & Fees page for all rate bands. |
10.48% |
| Starting Comparison Rate – Excellent Credit Check out our Rates & Fees page for all rate bands. |
12.56% |
|
Based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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. |
|
| Type of rate | Fixed Rate |
| Repayment options | Weekly, Fortnightly, Monthly |
| Monthly account keeping fee | $0 to $25 |
| Early repayment fee | $0 |
| Average turnaround | 60 minutes2 |
| Loan Options | Unsecured & secured options |
Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 12 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.
Searching for loans online?
If you’ve been searching for cash loans online, you’ve landed in the right spot. Here at Jacaranda, we pride ourselves on being a 100% online lender. We’re fast, we’re fair, and we’re for everyone! We provide quick loans online to people anywhere in Australia, any time. If you need a quick and easy solution to a cash shortfall, a Jacaranda personal loan could be exactly what you’ve been searching for.
- 100% Online
- Quick and Easy
- $2,500 – $15,000
- 60-Minute Outcomes2
- Simple Repayments
- Bad Credit OK
Get Your Cash In 60-Seconds Once Approved3
We’ve helped over 50,000 people get approved!
Types of online loans
We offer two types of quick cash loans online. So, whether it’s going to be a small expense or a larger one, we might have a suitable loan option for you.
| Loan Type | Security Options | Loan Amount | Loan Term |
|---|---|---|---|
| Medium Loan | Secured and Unsecured | $2,500 to $4,600 | 12 to 24 months |
| Large Loan | Secured and Unsecured | $5,000 to $15,000 | 12 to 24 months |
Why choose Jacaranda for an online personal loan
Our tech
We’ve won numerous awards for our state-of-the-art technology. We have created one of Australia’s smartest, 100% online application processes to make applying for a loan quick and easy. We use technology to understand your personal financial position, and we don’t just judge your credit score, which is why we’re able to help more customers that apply with us.
Our speed
The 100% online application can be completed in minutes, and will ask you questions about your personal situation as well as automatically request access to read-only copies of your bank statements. 90% of applications have an outcome at the end of the process. The rest of the applicants typically have an outcome within 60-minutes2 during normal business hours.
Australian-based and family-owned
All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in Australia, which is backed up by our reviews on every review platform. We’re almost 10 years old and we’ve been family-owned since the beginning. We value good old-fashioned values and we are committed to giving our customers the best experience possible.
60-second payouts
For most clients who have NPP-enabled bank accounts (which is 90% of bank accounts), the funds will be available and ready to use in your bank account within 60-seconds3 of accepting your contract. If you do not have an NPP-enabled bank, you will receive your funds overnight on the day you are approved.
What are some common personal loan expenses?
Medical bills
Dental expenses
White goods
Renovation costs
Unexpected bills
Debt consolidation
Holiday expenses
Over 4,800 Reviews On Trusted Platforms
Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.
Last updated: 03/05/2022
Am I eligible for a loan?
-
Be at least 18 years of age
-
Be an Australian citizen or permanent resident
-
Have a consistent income into your bank account for the last 90-days
-
Have an active email address, phone number, and online banking account, in your name, that belongs to you
What information do I need to provide?
-
Basic personal information (i.e. full name, address, D.O.B)
-
Online banking details
There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you
Why choose a
Jacaranda Express
Personal Loan?
We’re a fast and fair lender that’s been helping Aussies since 2013.
That’s nearly 10 years!
Fast personal loans
Complete your application and have an outcome in minutes. We’ve built state of the art 100% online technology to make everything fast and easy.
- Submit your online application
in as little as 8 minutes1 - Most applicants have an
outcome in 60 minutes 2
The best customer
service in town
We pride ourselves on offering some of the best, award winning customer service in Australia. When you need us, Jac’s got your back.
- We have thousands of real 5 star
reviews from existing customers - We’ve helped over 50,000+
happy customers
Smart loans & rates
tailored to you
We look at more than just your credit score when considering your application. Get rewarded with a better rate if you’re in a strong financial position.
- Get a personalised rate tailored
to you & your circumstances
We look after our
existing customers
At some point, you may need more money when the unexpected occurs. Customers with excellent repayment history may apply for additional credit if need be.
- Build up a positive history with us to unlock
larger loans, longer terms & better rates - Managing your account is simple and
easy with our online customer portal