Rental Bond Loans
Done Faster.

Moving house can easily set you back thousands, with bond, moving and cleaning expenses.
Award-winning lender Jacaranda is here to help with our Personal Loans.

Borrow $3,000 to $25,000
Same-Day Approval2
25 - 36 months Terms.
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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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The Average Rental Bond Cost

Rental bonds can cost thousands of dollars if they're not split between multiple people.

Each state and territory has their own rental legislation for private rental accommodation, but the general rule is a bond costs a maximum of four weeks' rent upfront. In addition to four weeks of rent, you'll likely also have to pay two weeks of rent upfront at the start of the lease, known as rent in advance.

This could set you back more than $3,800 for the typical rental property in Australia!

A Jacaranda Finance personal loan can help you pay for your bond and rent in advance.

Source: Domain Rental Report, March 2024.

Rental Bond Costs Map

Where can you get a Rental Bond Loan?

See below for more detailed information on rental bonds in each state/territory.

Easy loan application process – how it works

Our bond 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.

You can easily apply online now or download the Jacaranda Better Credit app and get started today!

We accept loan applications online via our online application form on our website or Better Credit app. We're 100% online. Check if you qualify using our QualifyCheck technology, which does not affect your credit score.

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'm looking for a:
2. 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.
3. 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.

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*
  • Car Loan
    $10,000 - $25,000
    Interest Rate
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 48 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Secured
    Establishment Fees
    $950 - $1,190
    Monthly Fees
    $26 p/month
    Risk Fee
    $585 - $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.
  • 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.
  • Car Loan
    $10,000 - $25,000
    Interest Rate
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 48 months
    Secured or
    Unsecured
    Secured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $950 - $1,190
    Risk Fee
    $585 - $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.
  • 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.

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.
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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    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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    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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    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 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 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 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.
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    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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    Kayleb Perkin Rated Jacaranda Finance 4 out of 5 stars
    Fast, reliable service had money in acc same day
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    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

FAQs

Still need more info? Here are some common frequently asked questions about our loans.

A rental bond loan is simply a loan you can use to pay for your rental deposit and any other associated moving costs.

Instead of dipping into your hard-earned savings, a loan lets you repay that money over manageable instalments for a period of up to 36 months.

A bond is a sum of money paid by a tenant to a landlord or agent before moving into a property. It acts as security against any potential damage or unpaid rent during the lease period. The bond is typically lodged with a government authority, governed by state laws, ensuring fair handling and dispute resolution.

When the lease agreement ends, the bond is refunded to the tenant if there are no outstanding issues. Different rules may apply per state, so we recommend reviewing local legislation for accurate tenancy guidelines.

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 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.

We only accept loan applications online via our online application form on our website or the Better Credit app. We're 100% online, so there are no other ways to submit an application.

If you're considering applying for a loan with Jacaranda, you can first check if you qualify in a way that does not affect your credit score.

Done in 5-12 minutes1