Jacaranda Finance offers fixed-rate personal loans from $3,000 to $30,000, repaid over 25 to 48 months in weekly, fortnightly or monthly instalments.
Subject to lending criteria, terms and conditions. See below for details.
Subject to lending criteria, terms and conditions. See below for details.
Jacaranda Finance offers fixed-rate secured and unsecured personal loans from $3,000 to $30,000.
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.
We offer something better.
Repayment calculators can only provide estimates. By sharing a few details about yourself, you could check what you qualify for without impacting your credit score*.
In just a few minutes, see which loan products you could be eligible for, how much you could borrow, your available loan terms and estimated repayments.
Once approved and you've accepted your loan contract, most customers get paid in 60 seconds.
Apply by 3:00pm with everything we need, and you could get your loan outcome that same day - simple as that.
Unsatisfied with your loan? You can return the total principal funds, including any payments made to third parties on your behalf within the 48-hour cooling-off period and cancel your loan.
It’s easy to get started...
Borrowing is not always the right answer to a cost, and it is worth comparing before you commit to any amount. Free and independent help is available. The National Debt Helpline on 1800 007 007 offers free financial counselling. ASIC's Moneysmart explains how no interest loan schemes work for people on lower incomes. If you receive an eligible Centrelink payment, Services Australia may be able to provide an advance payment from your own future payments. And if the cost is a bill from an existing provider, asking them for a payment plan often costs nothing at all.
Need a vehicle rather than a repair? We also offer car loans from $3,000 to $40,000, including for applicants with bad credit.
Am I eligible for a Loan with Jacaranda Finance?Â
You must meet the following basic eligibility criteria before submitting an application:
Our guide explains how we read your bank statements and what we are looking for. If you hold an eligible temporary visa, our personal loans for temporary residents page covers what else applies.
Meeting the criteria above does not guarantee approval or any particular amount. It is the starting point for an assessment, not the outcome of one.
Your credit history is only one part of the picture. That's why, at Jacaranda Finance, a low credit score won't stop you from qualifying for a secured personal loan or car loan6.
When you apply, Jacaranda Finance considers your current income, regular expenses, existing financial commitments and your ability to comfortably afford repayments, alongside your credit history.
Important information you should consider when applying for a personal loan.
We consider your current income, spending, existing commitments and banking information alongside your credit history. Your credit history remains part of the assessment, it isn't ignored. Your credit score is one input, but it doesn't decide your application on its own. We use our own smart AI-powered assessment to understand your credit history, whether repayments are manageable and whether the loan meets your needs. Our responsible lending page sets out the obligations we assess against, and what affects your chances of approval covers the factors that carry the most weight.
Affordability is assessed against the repayment, not the headline figure. Two people asking for the same amount can receive different outcomes, and one of them may be offered less than they asked for. That is the assessment working as it should rather than a knockback.
Credit history is one input among several. If you are asking about a larger amount with a difficult credit history behind you, our bad credit loans page sets out how the assessment works in that situation. Eligibility and responsible lending criteria still apply, and approval is not guaranteed.
If a lender advertises guaranteed approval or no credit checks at any amount, it is worth confirming they hold an Australian Credit Licence and are a member of the Australian Financial Complaints Authority before you provide any personal information. You can check a credit licence on ASIC Connect and membership on the AFCA member directory.
Jacaranda Finance holds Australian Credit Licence 456404 and is a member of AFCA.
Applying takes most people 5 to 12 minutes¹. Complete your application, including any supporting information we ask for, by 3:00pm AEST and you’ll receive a same-day outcome². If approved, sign your contract and receive your funds within 60 seconds³.
Australian Credit Licence 456404 · Regulated by ASIC · Member of the Australian Financial Complaints Authority (AFCA) · 100% Australian-owned and operated.
Back-to-back 2025 & 2026 WeMoney Award Winner - Personal Loans, Car Loans and Accessible Credit.
Jacaranda Finance is a specialist Australian lender providing fixed-rate personal loans and car loans. Jacaranda Finance is not a bank, payday lender, wage-advance provider, Buy Now Pay Later provider or loan broker. Our lending criteria are published in full on our Rates and Fees page, and our data security page sets out how your information is protected.
Award-winning lender
At Jacaranda Finance, you can get a quote with no impact on your credit score*. If you decide to proceed, we may carry out a hard credit check and this enquiry could stay on your credit file for up to five years. For more information, visit our guide to applying for a loan.
Jacaranda Finance participates in Comprehensive Credit Reporting (CCR), which means consistently making repayments on time could improve your credit score. On the other hand, missed or late payments could appear in your credit report and may result in your credit score decreasing.
Personal loans range from $3,000 to $30,000, and car loans range from $3,000 to $40,000. The amount you may be offered depends on your income, expenses, existing commitments and what you can comfortably afford to repay, so it may differ from the amount you request.
Yes, $3,000 is the smallest personal loan we offer. A loan of this size can be taken unsecured over 25 to 36 months, repaid weekly, fortnightly or monthly at a fixed rate. Approval is subject to our eligibility and responsible lending criteria and is not guaranteed.
$30,000 is the largest personal loan we offer. A loan of this size is a secured personal loan, which means an asset is attached to it, and it can be repaid over a term of up to 48 months at a fixed rate. Whether you are offered $30,000 depends on your income, expenses, existing commitments and what you can comfortably afford to repay. Approval is not guaranteed.
Three things. Smaller amounts up to $15,000 can be taken unsecured, while amounts above that are secured. Unsecured loans have terms of 25 to 36 months, and secured loans have terms of 25 to 48 months. And the two products carry different rate and fee ranges, which are available on our rates and fees page.
Unsecured personal loans range from $3,000 to $15,000. Secured personal loans range from $3,000 to $30,000 and have an asset attached to the loan. Above $15,000, the loan is secured.
Terms range from 25 to 48 months depending on the product. Repayments can be weekly, fortnightly or monthly, and the interest rate is fixed for the life of the loan, so the repayment amount does not change.
A longer term makes each repayment smaller and increases the total interest you pay across the loan. A shorter term does the opposite, and there are no early repayment fees if you decide to pay the loan out sooner.
Rates and fees vary by product and individual assessment. Before accepting any offer, you'll see the applicable interest rate, fees, repayments and total cost.
No. You can pay your loan out at any time at no extra cost, with no early exit or payout fees.
Yes. The rate is set at the start and does not change for the life of the loan, so every repayment is the same size and you can see the total cost before you commit.
Applying takes most people 5-12 minutes1. It can take longer depending on factors such as how quickly you type or whether you have all the required information on hand.
Applications completed before 3pm AEST on a business day usually receive an outcome the same day.2 If you are approved and your contract is signed, funds are released automatically, and customers with a New Payments Platform enabled bank account usually receive the money within 60 seconds.3 Other customers receive funds by the next business day. The amount you borrow does not change the timing.
Checking if you qualify has no impact on your credit score.* If you proceed to a full application, we may perform a credit check, and that enquiry is recorded on your credit file for five years.
You may be able to. A low credit score or a past default does not automatically rule you out, because we consider your current income, expenses and ability to repay alongside your credit history. Approval is subject to our eligibility and responsible lending criteria and is not guaranteed.
Receiving Centrelink payments does not automatically make you ineligible. A personal loan from Jacaranda Finance is designed for customers who receive 49% or less of their income from Centrelink and have regular, consistent income paid into a personal bank account. Eligibility and responsible lending criteria still apply.
A personal loan from Jacaranda Finance is unlikely to be suitable if you have been bankrupt in the past three years. Other eligibility and lending criteria also apply.
Yes. Affordability is assessed against the repayment rather than the headline amount, so you may be offered less than you requested. Approval, and the amount offered, are never guaranteed.
A payday loan is a small amount credit contract of up to $2,000, repaid over 16 days to one year, with fees rather than interest. A Jacaranda Finance personal loan ranges from $3,000 to $30,000 over 25 to 48 months at a fixed rate and is assessed on affordability across the full term. Our comparison of payday loans and personal loans goes through the differences in detail.
Contact us as early as you can. Our hardship policy sets out how to reach the hardship team, and free, independent financial counselling is available from the National Debt Helpline on 1800 007 007.
At Jacaranda Finance, we offer fixed-rate secured personal loans, unsecured personal loans and car loans with the option to make repayments weekly, fortnightly or monthly over a period of 25-48 months.
Our personal loans can be used for a range of purposes from car repairs, to holidays and home improvements.
Our customer service team is available six days a week. If you have a question before you apply, during the process or after you have taken out a loan, you can reach us directly.
9,598 people have already started an application in the last 7 days.
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