What fees and charges come with a personal loan?

The fees and charges that come with your personal loan will depend on the amount you apply for, the term of the loan, your credit rating, and the strength of your application. Once you have completed an application, we’ll provide you with an offer. This offer will outline all the details of your loan including the amount, term, fees, charges, as well as terms and conditions.

How much will my repayments be?

Your loan repayment will depend on how much you borrow, the length of your term, and the fees and charges associated with the loan. If you want to get an estimate of what your repayments could be, use our easy online loan calculator. The actual repayments along with an explanation of all fees and charges will be provided in your loan offer. Once you’ve received a loan offer, you can accept it by digitally signing your contract. Your repayments are then set up in line with your income and direct debited out of your bank account automatically, so you don’t need to try and remember to pay them when they are due.

Can I get a loan with bad credit?

Jacaranda Finance is proud to be an inclusive lender. We lend to people with bad credit, good credit, and no credit rating. Our loan products are relative to your current financial position. The better your financial position, the better rate we can offer you. As an inclusive lender, we don’t rely solely on your credit score for you to qualify for one of our loans. We value numerous other pieces of information such as your ability and history of handling your current financial commitments. If you have a bad credit rating but you consider yourself creditworthy and you want to rebuild your credit history, we encourage you to submit an application for our experienced team to consider.

Does Jacaranda offer personal loans with no credit check?

No, we don’t. This is because performing a credit check is a part of every responsible lender’s application process. However, credit checks play a small role in our decision making. Our loan products are relative to your current financial position – the better your financial position, the better your rate gets. 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 7 years and it can be supplied on demand. There are four credit reporting bodies we may use: Equifax Pty Ltd (Equifax) W: www.equifax.com.au PP: www.equifax.com.au/privacy T: 13 8332 Experian Australia Credit Services Pty Ltd (Experian) W: www.experian.com.au PP: www.experian.com.au/contact-us Illion (formerly Dunn & Bradstreet) W: www.dnb.com.au PP: http://dnb.com.au/privacy-policy.html E: publicrelations@dnb.com.au T: 1300 734 806 TaleFin Pty Ltd (Formerly Lend Guard) W: www.lendguard.com.au/ C: www.lendguard.com.au/contact-us/ PP: https://lendguard.com.au/legal-policies/

Personal Loans Done Faster.

Name: Personal Loans: Fast and Reliable Finance | Jacaranda Finance
Brand: Jacaranda Finance
Rating: 4.9 (2657 reviews)

Personal Loans to make your life easier. Apply for up to $25,000 in mere minutes!¹ Access fast and reliable finance for life's key expenses.

Loan $5,000 to $25,000

Same-Day Approvals²

24 - 48 Month terms

Get Started Now If Approved Get Paid in 60 Seconds³

You can now check your eligibility,
with no impact on your Credit Score!

I'd like to borrow

Over the term of

Get Started Now If Approved Get Paid in 60 Seconds³

You can now check your eligibility,
with no impact on your Credit Score!

*Subject to lending criteria, T's and C's'

4.9/5

2,660+ Reviews

Access fast & reliable finance up to $25,000 for when the unexpected happens.

Flexible Personal Loans For Any Occasion

Our express personal loan product is a fast finance solution to help everyday working customers with larger expenses, with the cost spread out over the term of the loan. Thanks to our 100% online technology, a Jacaranda Finance personal loan can help make your life easier.

We offer Personal Loans from $5,000 to $25,000, with loan terms ranging from 24 - 48 months.

You can now also check if you qualify, without it affecting your credit score!

What can you use an express personal loan for?

Our most popular uses for the Express Personal loan.

Home Improvement

From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
Car & Vehicle Repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
Rental Bond & Moving

Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
Appliances & Furniture

New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.
Debt Consolidation

Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.
Holidays & Travel

Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.
Wedding Loans

Whether it’s for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day.
Medical Bills

You can turn to Jacaranda for a personal loan to help pay for any large medical bills.
Dental

Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.
Pet & Vet Bills

Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda could have a loan to suit you.

Home Improvement

From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
Car & Vehicle Repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
Rental Bond & Moving

Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
Appliances & Furniture

New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.
Debt Consolidation

Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.
Holidays & Travel

Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.
Wedding Loans

Whether it’s for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day.
Medical Bills

You can turn to Jacaranda for a personal loan to help pay for any large medical bills.
Dental

Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.
Pet & Vet Bills

Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda could have a loan to suit you.

The Easy Application Process – How it works

Our loan application process for an Express Personal Loan has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner.

Get Started Now

Estimate Loan Repayments

If you’re after more of a visual guide on how much one of our loans might cost you, use our loan repayment estimate calculator to get a guide on what your repayments could be with an Express Jacaranda personal loan.

It only takes a few seconds!

I'd like to borrow: $8,500

Borrow:
$8,500

- +

Over how many months:

Months

24 36 48

Estimated
repayments:

...

p/wk

Interest Rate

14.95% - 27.95%

Comparison Rate

29.30% - 42.80%

See Comparison Rate Warning

*Please consider: The example repayment is a guide 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.

Get Started Now If Approved Get Paid in 60 Seconds³

Product Details

Interest Rate

Comparison Rate

Loan Term

Repayment Cycle

Secured or Unsecured

Establishment Fees

Monthly Fees

Risk Fee

Comparison Rate Warning*

Unsecured
Personal Loan

$5,000 - $15,000

Interest Rate

17.95% to 24.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

32.40% to 39.63%

Loan Term

24 - 36 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$140 to $995

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.
Secured
Personal Loan

$5,000 - $25,000

Interest Rate

14.95% to 27.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

29.30% to 42.80%

Loan Term

24 - 48 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0 to $995

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.

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.

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.

Information you will need to provide:

Basic personal information (i.e. full name, address, D.O.B, dependant number)
Employment status & details
Your bank statements*

*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

Trusted by 1,000s

4.9/5

4.8/5

4.7/5

4.8/5

- D. Dianita Miguel - Google Review

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 - See More

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. - See Less
- S. Shaan Johari - Google Review

Super easy and fast system, applying was seamless and money was instant!

Super easy and fast system, applying was seamless and money was instant! - See Less
- K. Kayleb Perkin - Google Review

Fast, reliable service had money in acc same day

Fast, reliable service had money in acc same day - See Less
- n. naomie falconer - Google Review

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
- N. Nathan Ross - Google Review

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
- B. Breeanne Pocock - Google Review

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. - See More

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 ! - See Less
- N. Nathan Rice - Google Review

So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More

So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
- K. Kevin Kupke - Google Review

Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.

Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
- J. Jim Mccullough - Google Review

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
- B. Brendan Lau88 - Google Review

Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and - See More

Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you. - See Less
- R. Rebecca Hay - Google Review

Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up - See More

Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. - See Less

Personal Loan FAQs

Want to learn more about our personal loans and how they work? Find out all the answers to our most common questions here.