Fast Personal Loans

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

Borrow $3,000 to $25,000
Same-Day Approval2
25-36 month terms
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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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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 Finance 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 36 months
Loan Type:
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.
How to apply with Jacaranda Finance

We Make Applying Easy

If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. 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

Check if you qualify for one of our Personal Loans today!

Why you'll love dealing with Jacaranda Finance

At Jacaranda Finance, 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 over 10 years. We've already helped hundreds of thousands of 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 loan4. Simply contact our customer service team.
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Over 5,000 reviews

Trusted By 1,000s

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ProductReview logo 4.8/5
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    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.
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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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    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.
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    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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    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.

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:

  • 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.

  • Medical expenses

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

  • 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!

  • 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.

  • 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.

  • Rental bonds & moving costs

    A Jacaranda Finance 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.

  • 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.

  • 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!

  • 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 Finance, provided all other repayments are up to date and on time.

  • Weddings

    Whether it's for the ring, the dress or the venue, let Jacaranda Finance alleviate some of that wedding stress and help you pay for your special day with a wedding loan.

Loan Eligibility Criteria

Am I eligible for a Loan with Jacaranda Finance? 

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, permanent resident or hold a temporary visa in one of our eligible visa subclasses 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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Frequently Asked Questions About

Fast Personal Loans

A personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence.

Applying is Quick & Easy

  • Apply in 5-12 minutes1
  • Submit your application by 3:00pm and get a same day outcome2.
  • If approved, funds get delivered in just 60 seconds3.

Ready to get started? Apply now.

Once you’ve been approved and have accepted your loan contract, we’ll automatically attempt to release the money to your account. Most customers get paid in 60 seconds3.

Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1. If you apply before 3:00pm, you could get a same day outcome2. Ready to get started? Click here and apply now.

By submitting a full application for a personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you.

How to check if you qualify for a secured personal loan?

If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.

No, checking if you qualify uses a “soft” credit check meaning it does not impact your credit score or appear on your credit file to anyone but you. We recommend checking your eligibility before applying for a loan where possible to reduce the number of applications on your credit report.

To be assessed for a loan from Jacaranda Finance, you must meet the following basic 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, permanent resident or hold a temporary visa in one of our eligible visa subclasses 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.

If you are unsure whether you’re eligible, you can check if you qualify with no impact on your credit score*.

We offer two main products at Jacaranda Finance:

For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.

Before you apply for a loan with Jacaranda Finance, it’s important to consider that additional fees could apply. This includes set fees such as our establishment and monthly fees and possible one-off fees such as a risk fee (if applicable this fee will be applied to your balance at the start of your loan) or missed payment fee. If you have any questions about our fees please contact us at i******@j****** or give us a call at 1300 189 823.

Using our loan repayment calculator you can estimate your repayments before applying.

Missed Payment Fees

For every missed payment, a fee will be applied. This cost is added to the account balance and can be paid with the next repayment cycle. If you’re concerned you’ll miss a repayment before the next due date, please contact our customer support team as soon as possible.

You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.

Need a Hand?

Our customer service team is 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. You can easily get in touch online or via the BetterCredit app. Our customer service team is available to chat six days a week, and services are available online 24/7.