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We can make loans happen when the banks won’t

Fast Personal Loans for the Everyday Australian

Access fast and reliable Personal Loans for life’s key expenses.

 

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Borrow $3,000 to $25,000
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Same-Day Approval2
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25-48 month terms
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Fund transfers in 60 seconds3
  • ProductReview 2024 Award Winner, Jacaranda Finance: Top Performing Personal Loan Lender logo
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Check If You Qualify

With no impact on your credit score!

Check If You Qualify with no impact on your credit score!

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

Get Started Now

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

Access fast and reliable Personal Loans for life’s key expenses.

 

Decorative graphic of a Coin
Borrow $3,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
25-48 month terms
Decorative graphic of a lightning bolt
Fund transfers in 60 seconds3
  • ProductReview 2024 Award Winner, Jacaranda Finance: Top Performing Personal Loan Lender logo
  • App Store logo
  • Google Review logo

When the banks say No, give us a Go!

Quick find topics on this page.

About Our Personal Loans
Rates & Fees
The Application Process
Loan Repayment Calculator
Eligibility Criteria
FAQs
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Award-winning lender

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Who are we

About Jacaranda

Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.

We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.

We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans.

Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.

Click here to learn more about what makes Jacaranda great!

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Aussies Helped With A Loan
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Loans Approved
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Years Helping People

Trusted by 1,000s

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1.

About Our Personal Loans

Flexible Personal Loans for any occasion.

Our Personal Loan product is a fast finance solution for everyday working Australians in various financial situations. We offer Personal Loans from $3,000 to $25,000, with loan terms ranging from 25 - 48 months.

Many of our customers are those who’ve been rejected by the legacy banks, often for no other reason than having a less-than-perfect credit score.

If you’re one of these Aussies who’s been let down by the banks, you could apply for one of our loans for any of the following common reasons:

2.

Rates & Fees

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.

Interest Rate
Comparison Rate
Show the What does it mean? modal
Loan Term
Repayment Cycle
Secured or
Unsecured
Show the What does it mean? modal
Establishment Fees
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $130 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $130 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $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.
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    17.95% to 27.95%
    Comparison Rate
    Show the What does it mean? modal
    32.40% to 42.80%
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Unsecured
    Unsecured
    Monthly Fees
    Show the What does it mean? modal
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $130 to $990
    $130 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    14.95% to 27.95%
    Comparison Rate
    Show the What does it mean? modal
    29.30% to 42.80%
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    25 - 48 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $130 to $990
    $130 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $0 to $995
    Comparison Rate Warning*
    (Personal Loans)
    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.
    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.
3.

The Easy Application Process – How it Works

How to apply with Jacaranda Finance.

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. You can:

  1. Apply in just 5-12 minutes1
  2. Receive a same-day outcome2 on your application
  3. Get your money within 60 seconds3 if approved
  4. Check if you qualify without impacting your credit score at all
Get Started Now
Get Started Now
4.

Building Better Credit Starts Now

If you've been rejected by a bank, we have a range of tools and features that could help you improve your credit score and increase your chances of getting approved next time.

5.

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!

Ready to Apply? You can get started now.

Get Started Now
1. I'd like to borrow: $8,500
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Please consider: loans above $15,000 and terms above 36 months, require security in the form of a registered motor vehicle you own.
2. Loan Term (Months)
25 36 48
3. Repayment Cycle
Weekly Fortnightly Monthly
...
Estimated per
* Repayment Disclaimer
*Please consider: The example repayment is an estimate 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.
Interest Rate
14.95% - 27.95%
Comparison Rate**
29.30% - 42.80%
Total Repayment
Including Interest & Fees
...
** 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.

Ready to Apply? You can get started now.

Get Started Now
6.
Learn More With Jacaranda

Featured Articles

7.

Loan Eligibility Criteria

Am I eligible for a Loan with Jacaranda? 

You must meet the following basic eligibility criteria before submitting an application:

  • 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.

You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score.

Information you will need to provide:

  • Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
  • Employment status & details
  • Your bank statements*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.

*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.

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8.

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.

See all FAQs
See all FAQs

We offer three main products at Jacaranda:

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 loans, visit our rates and fees page.