Fast Personal Loans

Jacaranda Finance offers fast personal loans from $3,000 to $25,000 online.

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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

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'

Jacaranda Finance offers fast personal loans from $3,000 to $25,000 online.

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

Award-winning lender

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Looking for a fast personal loan?

Whether you're starting a home improvement project or paying for some large medical expenses, let Jacaranda Finance lend a financial hand.

Jacaranda Finance offers personal loans from $3,000 to $25,000 for a variety of purposes. Apply now in just 5-12 minutes1 and receive your outcome on the same day2. Once approved, you could have the funds transferred to your bank account in less than 60-seconds3! How's that for speed?

  1. 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. An application can be completed in 5-12 minutes1.
  2. We do not guarantee same-day outcomes for all customers. Customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
  3. 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.

How to apply for a Jacaranda Personal Loan

Applying for a personal loan with Jacaranda Finance is both simple and fast thanks to our 100% online technology.

See below for how our application process works, or click here to get started, it's easy.

Loan Details
Loan Amounts:

$3,000 to $25,000

Loan Terms:

25 months to 48 months

Loan Type:
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Secured and unsecured

Rate type:

Fixed

Repayment Options:

Weekly, fortnightly or monthly

No Early Payout or Exit Fees:

Customers who pay their loan out early do not incur any additional fees or charges for doing so. Fixed fees that have already been incurred are due and payable.

THE APPLICATION PROCESS

We Make Applying Easy

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible.

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Why you'll love dealing with Jacaranda

At Jacaranda, we know that sometimes life can throw the unexpected at you. That's why we're on a mission to assist hard-working Australians with fast, reliable and responsible access to finance for life's expenses when you get caught short. We're 100% online, Australian-owned and operated, and we make applying for finance simple and fast.

Here are some other reasons our customers love us:

  • We've been providing finance to hardworking Australians for nearly 10 years. We've already helped over 50,000 customers and we have thousands of positive reviews.
  • Get started with an application and be done in as little as 5-12 minutes1 or once you've started an application come back and pick up where you left off in your own time. The application time varies per customer and it might take you longer.
  • Our smart technology allows us to get back to you with a fast outcome. Most applicants get a same-day outcome once the application is completed2 during normal business hours.
  • If you accept our loan offer by signing your digital contract the funds are usually in your bank account and ready to use within 60-seconds3 if you have a New Payments Platform (NPP) enabled bank account. If you don't, your funds are usually available overnight.
  • Our friendly and respectful Australian-based customer service team are here to help you. Existing customers can log into the self-service customer portal, 24/7, 365 days per year.
  • Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan. Simply contact our customer service team.

Don't just take our word for it

We strive to offer superior customer service - our Australian-based teams are friendly, personable and helpful and most of the time the first person you deal with can assist with your query. We're open on Saturdays too!

Don't believe us? Check out what scores of happy previous Jacaranda customers have had to say below!

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Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
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What can I use a fast personal loan for?

Our express personal loan product is typically suited for larger expenses up to $25,000: our personal loans have fixed interest rates and you may use them for a variety of reasons.

If approved, you'll borrow a set amount of money and pay it off with set weekly, fortnightly or monthly payments over a scheduled period of time. Our customers commonly take out a fast personal loan for some of the following reasons:

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Car repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Our car repair loans can help you get back on the road in no time.

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Medical expenses

Some medical procedures can cost hundreds if not thousands of dollars! You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

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Holidays

Personal loans can also be used for flights, accommodation, and other costs that come with booking a holiday. Check out our holiday loans today!

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Vet bills

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

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White goods & furniture

Applying for a white goods loan with us can take the stress of a key appliance breaking down: you could receive your money on the same day and hop online to shop for a new one.

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Rental bonds & moving costs

A Jacaranda rental bond loan can help you manage medium expenses such as bonds and with removalists and lets you take some of the stress out of moving.

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Home repairs

Whether it's cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you’ve been putting off.

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Home renovations & installations

You can use our home renovation loans to improve your home via renovations, remodelling, installing tech like solar panels, landscaping, and much more!

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Debt consolidation

If you're juggling multiple loan & credit card repayments, you can consolidate them into one easier-to-manage debt consolidation loan with Jacaranda, provided all other repayments are up to date and on time.

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Weddings

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 with a wedding loan.

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Am I eligible for a Jacaranda loan?

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
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Fast 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.

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

You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $3,000 and $25,000. 

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.

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.

If you end up missing a repayment deadline and you did not contact us beforehand, you will likely be charged a missed payment fee.

If you think you're going to miss a repayment or you already have, contact our customer service team to discuss your options.

Our customer service team exist to make your life easier, and that's what they'll do. It's important that you contact them and communicate with them so they can help you.

Please consider that any changes to the loan schedule may extend the term of your loan and result in additional interest and/or fees being applicable.

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 hard credit check being conducted. We review all applications, even those who have bad credit.

Once you've checked if you qualify, and if you do qualify, you have the option to submit your application to Jacaranda to perform a credit assessment. By submitting a full application, you authorise Jacaranda Finance Pty Ltd to obtain a copy of your full credit file. This may impact your credit score.

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.

Anyone unsatisfied with their loan for any reason can return the principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan4.

If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.

We're here to help

Need a hand?
Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. At Jacaranda, you speak to a real human being every time.