An Alternative To Payday Loans
If you’re in need of a quick and easy loan, a payday loan isn’t your only option. Jacaranda Finance offers fast personal loans from $2,100 to $25,000 and once approved, the funds can be in your account in 60-seconds3.
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: 30/11/23
You can now check your eligibility,
with no impact on your Credit Score!
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: 30/11/23
Need money fast? Apply for a Jacaranda personal loan
When you consider the pitfalls of a payday loan, taking out a personal loan might be a safer alternative if you’re in need of quick cash. Jacaranda Finance offers fast cash loans from $2,100 to $25,000 with loan terms up to 48 months. With a simple online application form, same-day outcomes2, and 60-second transfers3, Jacaranda Finance is a quick and easy way to get your hands on the funds you need fast.
- Borrow From $2,100 to $25,000
- Quick loan outcomes
- 60-second transfers3
- 100% online
-
Fair loan terms with bad credit history, everything disclosed upfront, quick payment.
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: 30/11/23
Loan Details
Loan Amount From | $2,100 - $25,000 |
---|---|
Loan Terms | 9 - 48 months |
Type of Rate | Fixed |
Repayment Type | Weekly, fortnightly or monthly |
Personal Loans Online Up To $25,000
Money in your bank account and ready to use in 60-seconds3 once approved.
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.
Why choose a Jacaranda Loan?
We’re a fast, reliable and fair lender that’s been helping Aussies since 2014 - here's why we think you should choose us.
We could help your credit score improve
We’re a part of the Comprehensive Credit Reporting (CCR) regime, which makes it much easier to build your credit history and credit score. By making your loan repayments on time and in full, we can communicate this positive repayment information to the credit bureaus, which could help improve your credit score over time.
Find out more about how Comprehensive Credit Reporting works here.

What can I use a personal loan for?
If you’re in need of some extra cash for unexpected expenses, car repairs, or to help you manage vet bills, a personal loan with Jacaranda Finance could have you covered.
Medical & Dental Expenses
Rental bonds
Buying Furniture or White Goods
Car Repairs
Debt Consolidation
Vet bills
Holiday Expenses
OVER 5,000 REVIEWS
Customer Testimonials On Trusted Platforms
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: 30/11/23
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.

Am I eligible for a loan?
The basic eligibility criteria you must meet before submitting an application:- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, employer, dependant number)
- 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.

Frequently Asked Questions
Find out all the answers to the most common questions about our personal loans.
A personal loan can be a handy way to access finance online. Jacaranda Finance offers personal loans from $2,100 to $25,000 with flexible repayments and no hidden fees or charges. So whether you need a bit of extra cash to sort out car repairs, or to cover an unexpected expense, we might have a loan option for you.
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $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 loan products, visit our rates and fees page.
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 and the loan product, loan amount and loan term you qualify for. 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 loan products, visit our rates and fees page.
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle. Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal. Download the app on the Google or Apple store today. Read more: Personal Loan Repayments 101.
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 loan products, visit our rates and fees page. If you're approved, all of the loan details, including the repayments, terms, interest rate and fees, will be in the loan contract for you to review before signing.
It's possible to receive a loan offer from us if you have 'bad credit'. We offer fast and reliable personal loans for applicants with varying credit histories. If you're in a good financial position and handling your existing financial commitments comfortably, check if you're eligible and submit an application. We accept a wider range of credit history than a bank or a prime lender. But we do not recommend submitting an application if you're currently or recently bankrupt (you must be three years discharged and in control of your finances) or if you are not comfortably repaying your existing financial obligations.
No. As a responsible lending body, Jacaranda Finance is required to complete a credit check on all applications. We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
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 seven years, and it can be supplied on demand.
There are four credit reporting bodies that we may use to conduct a credit check:
Review our Privacy Policy for more information.