Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.

Personal loans are a great option to fast-track your way towards hitting your financial goals. Jacaranda Finance offers flexible and easy personal loan options to suit a wide range of borrowers. Whether you’re after a small personal loan for a minor expense or you’re looking for something bigger, Jacaranda Finance could have you covered. 

One of the benefits of taking out a personal loan with Jacaranda Finance is we can offer competitive personal loan rates with our fixed rate options. Having a fixed rate means your rate will be locked in for the life of the loan, so you won’t ever have to worry about your repayments changing — a big perk for borrowers who like to keep to a tight budget.   

We’re also big on flexibility and provide help loan features to help you get on top of your payments. You’ll be able to make extra repayments to your loan at no additional cost and select a repayment plan that works best for your lifestyle — weekly, fortnightly or monthly. We also give you the choice between a secured or unsecured personal loan

Jacaranda Finance also provides bad credit personal loans for borrowers who haven’t had the best luck with their credit history. That said, we always judge applicants on a case-by-case basis and will never give you a product you can’t afford. Check out our personal loan calculator to estimate your borrowing capacity. 

Find out what our happy customers think about our personal loans by reading some of our client testimonials! Or if you’d like more information about our personal loans, please do not hesitate to contact us

How do I get approved?

Start the application process
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Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 12 – 24 months
Starting Interest Rate (APR) – Excellent Credit
Check out our Rates & Fees page for all rate bands.
10.48%
Starting Comparison Rate – Excellent Credit
Check out our Rates & Fees page for all rate bands.
12.56%

Based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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.

Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly account keeping fee $0 to $25
Early repayment fee $0
Average turnaround 60 minutes2
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 12 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

What is a personal loan?

No matter what life throws your way, a Jacaranda Finance personal loan can help get you through it. Whether you’re needing $2,500 to buy new white goods or $15,000 for home improvements, taking out a secured or unsecured personal loan can help you out. We’ve made our application process as straightforward as possible and, if your application is approved, our 60-second3 transfers mean you can use your cash almost instantly.

  • $2,500 to $15,000
  • Simple Application Process
  • 100% Online
  • 60-Second3 Transfers

Personal Loans Online up to $15,000

Money in your bank account and ready to use in 60-seconds3 once approved.

What can I use a personal loan for?

You might be wondering what a Jacaranda personal loan can do for you. To give you a quick overview, here are some common reasons that Aussies take out personal loans with us:

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Medical bills

A trip to the dentist can cost hundreds of dollars, even without any special treatment. If you’re struggling with medical bills, turn to Jacaranda for a personal loan.

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Household costs

Whether it’s rental bond costs, new white goods, or replacing your furniture, a personal loan can be of assistance to cover these costs.

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Car-related costs

Avoiding your next car service because of the hefty price tag? A personal loan can cover this, as well as any unexpected costs that pop up during the service.

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Debt consolidation

Depending on your circumstances, a personal loan can be useful to consolidate debts. Whether it’s credit card debt or debt from multiple loans, a personal loan for consolidation can help lower your total interest repayments.

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Travel expenses

A personal loan can be used for flights, accommodation, and other costs that come with booking a holiday.

Am I eligible for a personal loan?

  • Be at least 18 years of age

  • Be an Australian citizen or permanent resident

  • Have a consistent income into your bank account for the last 90-days

  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

 

Why choose a
Jacaranda Express
Personal Loan?

We’re a fast and fair lender that’s been helping Aussies since 2013.
That’s nearly 10 years!

Customer applying for a fast personal loan

Fast personal loans

Complete your application and have an outcome in minutes. We’ve built state of the art 100% online technology to make everything fast and easy.

  • Submit your online application
    in as little as 5 minutes1
  • Most applicants have an
    outcome in 60 minutes 2
Jacaranda Finance customer service officer answering a call

The best customer
service in town

We pride ourselves on offering some of the best, award winning customer service in Australia. When you need us, Jac’s got your back.

  • We have thousands of real 5 star
    reviews from existing customers
  • We’ve helped over 50,000+
    happy customers
Happy family satisfied with Jacaranda Finance's service

Smart loans & rates
tailored to you

We look at more than just your credit score when considering your application. Get rewarded with a better rate if you’re in a strong financial position.

  • Get a personalised rate tailored
    to you & your circumstances
  • We’ve got your back no matter
    where you are in your credit journey
A group of friends laughing

We look after our
existing customers

At some point, you may need more money when the unexpected occurs. Customers with excellent repayment history may apply for additional credit if need be.

  • Build up a positive history with us to unlock
    larger loans, longer terms & better rates
  • Managing your account is simple and
    easy with our online customer portal

What you’ll need to apply

  • Basic personal information (i.e. full name, address, D.O.B)

  • Online banking details

There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you

 

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

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

Shaan Johari – GOOGLE REVIEW

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

naomie falconer – GOOGLE REVIEW

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

Nathan Ross – 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 my friends and relatives. Thank you very much.

Dianita Miguel – GOOGLE REVIEW

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

Jim Mccullough – 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 easy. Thank you.

Brendan Lau88 – GOOGLE REVIEW
 

Why choose Jacaranda for a personal loan

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Our tech

Here at Jacaranda Finance, we use our in-house bank statement technology to provide you with an outcome as quickly as possible. This tech allows us to grasp an idea of your financial situation, rather than just looking at your credit score. Along with this, we’ve streamlined our 100% online application process, to ensure things are as simple and straightforward as can be. We also provide customers with our personal loan repayment calculator, which allows you to estimate your repayments over the course of your loan.

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Our speed

Our online application process typically takes only 5 minutes1 to complete – leaving you with plenty of time to get on with what’s important and leave the rest with us. We’ve streamlined the process so well that 90% of applicants receive an outcome as soon as they submit their application. Those who don’t receive an outcome instantly will typically wait just 60-minutes2 (during normal business hours) to hear back from our team.

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Australian-based & family-owned

As an Aussie-owned and operated venture, Jacaranda Finance understands what it takes to keep our customers happy. That’s why we have one of the best customer service reputations in Australia. If you’re wanting to see proof, just check out our reviews!

We don’t make promises that we can’t keep, which is why we’ll never approve a loan that we don’t feel confident about. Our friendly customer service team is available to chat anytime during business hours, and we’ll always do our best to help you out.

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60-second payouts

Thanks to our in-house technology, approved applicants with a NPP-enabled bank account will typically receive their cash within just 60-seconds3 of approval. This saves you the stress of waiting for funds, especially when you’re short on time. For applicants who don’t have an NPP-enabled account, don’t stress – you’ll see the money in your account overnight from the day of approval.

Common Questions About Personal Loans