Personal Loans Done Faster
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.
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'
*Subject to lending criteria, T's and C's'
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.
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.
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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.
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.
Including Interest & Fees
Ready to Apply? You can get started now.
Rates & Fees
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, number of dependants etc.)
- 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.
Trusted by 1,000s
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.
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.
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 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
Jacaranda offers an Express Personal Loan, with loan amounts from $5,000 to $25,000. Our Express Personal Loan also has loan terms ranging from 24 months to 48 months
With fixed repayments and both secured and unsecured loan options, our loans could be a great choice for you.Â
For detailed information about who our products are designed for, please review our Target Market Determinations.
You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000.Â
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.
Our loan application process 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. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. 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.3
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
Review our Privacy Policy for more information.
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.
We only offer fixed-rate loans. See our guide to fixed vs. variable interest rates to learn the differences between the two.
We offer secured and unsecured loan products. See our article on secured vs unsecured loans to learn the differences between the two.