Secured Loans

Want a bit more bang for your buck? By adding security to your Jacaranda Finance Personal Loan, you could be considered for a larger loan amount and better loan terms.

Apply for a Secured Loan today!

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Same-day applications2
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Speedy transfers
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Secure, fixed repayments
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100% online!

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'

Want a bit more bang for your buck? By adding security to your Jacaranda Finance Personal Loan, you could be considered for a larger loan amount and better loan terms.

Apply for a Secured Loan today!

Decorative graphic of a calendar
Same-day applications2
Decorative graphic of a clock
Speedy transfers
Decorative graphic of a Database
Secure, fixed repayments
Decorative graphic of a Mobile
100% online!

Want access to lower rates and larger amounts?
Apply for a Secured Loan now!

1.

What is a Secured Loan?

A Secured loan is a type of loan that requires collateral, aka security. This means that you'll need an asset - usually a vehicle - to attach to the loan. If you cannot repay the loan, the lender can possess the asset and sell it to compensate for its loss.

By adding security to your loan, you will generally be considered a less risky borrower and could be considered for a larger loan amount and more competitive loan terms as a result.

About our Secured Loans

At Jacaranda Finance, we offer Secured Loans for amounts between $5,000 and $25,000. 

Our Express Personal Loan is a fast finance solution to help everyday working Australians with large-sized expenses. Even though securing your loan will require slightly more information, we'll only ask for the necessities. With loan terms of up to 48 months and flexible repayment options, we make it easy to pay for life's big costs.

If you’re after an unsecured loan, check out our Cash Boost, which provides loans from $2,100 and $4,600.

Why secure your loan with Jacaranda?

By attaching a car or other vehicle to your loan as security, you can unlock the following benefits with a Jacaranda Secured Loan:

Let Jacaranda unlock the new financial you!

2.

What can you use our Secured Loans for?

A Secured Loan with Jacaranda is a safe way to borrow for some of life’s key expenses, such as:

  • Home Improvement & Renovations

    From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.

  • Debt Consolidation

    Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.

  • Holidays & Travel

    Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.

  • Medical Bills

    You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

  • Dental Expenses

    Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.

  • Car & Vehicle Repairs

    When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!

  • Rental Bonds & Moving Costs

    Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.

  • Home Improvement & Renovations

    From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.

  • Debt Consolidation

    Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.

  • Holidays & Travel

    Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.

  • Medical Bills

    You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

  • Dental Expenses

    Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.

  • Car & Vehicle Repairs

    When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!

  • Rental Bonds & Moving Costs

    Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.

We also offer Secured Car Loans

Get in the driver's seat with a Jacaranda Finance Secured Car Loan. Apply today and access up to $25,000 for your next set of wheels.

3.

Secured Loan Rates & Fees

Our Secured Loans are affordable, and our rates and fees are transparent. Jacaranda Finance has no hidden charges: what you see is what you get!

See the table below for a quick guide to our fees and charges, or visit our rates and fees page for more information.

Interest Rate
Comparison Rate
Show the What does it mean? modal
Loan Term
Repayment Cycle
Secured or Unsecured
Show the What does it mean? modal
Establishment Fees
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 24.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 39.63%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $140 to $995
    Comparison Rate Warning*
    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
    $5,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    Comparison Rate Warning*
    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.
4.

Boost Your Credit Score With Jacaranda

Check your eligibility

Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!

Comprehensive Credit Reporting (CCR)

Making all your repayments to us on time could steadily improve your credit score and positively impact your ability to get credit in the future.

Some's credit score improving thanks to our CCR
What's the difference?
5.

Secured vs Unsecured Loans

We offer both Secured and Unsecured Loans, which are loans that don’t require an asset to be attached for security. This means you won't have anything repossessed if you can't pay off the loan, but you might have a smaller loan limit.

At Jacaranda Finance, you can borrow between $2,100 and $15,000 with an Unsecured Loan.

Read more: 5 Differences Between Secured and Unsecured Loans

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6.

Ready to apply for a Secured Loan?

Applying for a Secured Loan with Jacaranda is 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 FastMoney app and get started today!

7.

Estimate Loan Repayments

If you’re after more of a visual guide on how much one of our loans might cost you, use our loan repayment estimate calculator to get a guide on what your repayments could be with an Unsecured personal loan.

It only takes a few seconds!

I'd like to borrow: $8,500
Borrow:
$8,500
Over how many months:
Estimated
repayments:
Interest Rate
14.95% - 27.95%
Comparison Rate
29.30% - 42.80%
See Comparison Rate Warning
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.
*Please consider: The example repayment is a guide 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.
8.

The Easy Application Process - How it works

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.

Available Now

It’s Faster With the FastMoney App

  • Easily apply for and manage your loan in-app
  • Make extra repayments, check your balance & more
  • Easy access to our customer service team
9.

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
Show the About Reviews modal About Reviews
  • 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 - See More
    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. - See Less
  • Super easy and fast system, applying was seamless and money was instant!
    Super easy and fast system, applying was seamless and money was instant! - See Less
  • Fast, reliable service had money in acc same day
    Fast, reliable service had money in acc same day - See Less
  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
  • Brilliant service and quick action during application process the best there can be when it comes to quick loans.
    Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
  • 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. - See More
    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 ! - See Less
  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More
    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
  • 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 - See More
    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. - See Less
  • 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 - See More
    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. - See Less
10.

Secured Loan FAQs

Want to know more? Here are some of our most frequently asked questions about our Secured Loans.