An Alternative To Payday 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:

• Equifax
• Experian
• illion
• Talefin