Fast Personal Loans for the Everyday Australian

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

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  • 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!

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

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

Award-winning lender

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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 - 36 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:

Loan Repayment Calculator

Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.

Once you know what you can afford in your budget, use our three-step loan repayment calculator to estimate your repayments before you apply.

Ready to Apply? You can get started now.
1. I'd like to borrow: $8,500
Please note that loans exceeding $10,000 or with Loan Terms of 36 months will require security in the form of a registered motor vehicle you own.
2. Loan Term (Months)
...
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
16.95% - 29.95%
Comparison Rate**
32.99% - 46.50%
Monthly Fee (Fixed)
...
Total Repayment
Including Interest & Fees
...
** 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.
Over 5,000 reviews

Trusted By 1,000s

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    Shaan Johari - Google Review
    Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
    Super easy and fast system, applying was seamless and money was instant!
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    Scott Milkauskas - Google Review
    Scott Milkauskas Rated Jacaranda Finance 5 out of 5 stars
    I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
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    naomie falconer - Google Review
    naomie falconer Rated Jacaranda Finance 5 out of 5 stars
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
  • Google Logo
    Nathan Ross - Google Review
    Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
    Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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    Breeanne Pocock - Google Review
    Breeanne Pocock Rated Jacaranda Finance 4 out of 5 stars
    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 !
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    Dianita Miguel - Google Review
    Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
    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.
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    Kevin Kupke - Google Review
    Kevin Kupke Rated Jacaranda Finance 3 out of 5 stars
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
  • Google Logo
    Brendan Lau88 - Google Review
    Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
    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.
  • Google Logo
    Kayleb Perkin - Google Review
    Kayleb Perkin Rated Jacaranda Finance 4 out of 5 stars
    Fast, reliable service had money in acc same day
  • Google Logo
    Rebecca Hay - Google Review
    Rebecca Hay Rated Jacaranda Finance 3 out of 5 stars
    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.
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    Rob Smith - Google Review
    Rob Smith Rated Jacaranda Finance 4 out of 5 stars
    Had a good experience with jacaranda finance the form was easy to follow and the team helped when I had questions

Our 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
Loan Term
Repayment Cycle
Secured or
Unsecured
Establishment Fees
Monthly Fees
Risk Fee
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Unsecured
    Establishment Fees
    $13.50 - $950
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $325.50
    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
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Secured
    Establishment Fees
    $125 - $1,190
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $995
    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 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Secured or
    Unsecured
    Unsecured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $13.50 - $950
    Risk Fee
    $0 - $325.50
    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
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Secured or
    Unsecured
    Secured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $125 - $1,190
    Risk Fee
    $0 - $995
    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.

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.

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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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

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:

  • Apply in just 5-12 minutes1
  • Receive a same-day outcome2 on your application
  • Get your money within 60 seconds3 if approved
  • Check if you qualify without impacting your credit score at all
Learn More With Jacaranda

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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.

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.

You can apply for varying loan amounts with Jacaranda, depending on your needs:

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

Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.

If you don't meet our initial criteria, your credit score won't be affected.

Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.

We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.

Other lenders will be able to see that you applied for a loan with Jacaranda.

This might impact your credit score.

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.

You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.

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 both Secured and Unsecured Personal Loans to suit many purposes. We also provide Secured Car Loans.

See our article on secured vs unsecured loans to learn the differences between the two.