FlexiCredit
New
Borrow with confidence
Secured Personal Loans
- Loans for up to $25,000
- Secure your loan for better loan terms
- Fast fund transfers3 and same-day approvals2 available
Wanting 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.
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,810+ Reviews
Trustpilot
900+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 30/11/23
I'd like to borrow
Over the term of
You can now check your eligibility,
with no impact on your Credit Score!
2,660+ Reviews
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,810+ Reviews
Trustpilot
900+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 30/11/23
View all our awards
Award-winning lender
What is a secured loan?
A secured loan is a personal loan that requires collateral. This means that you'll need an asset - usually a vehicle - as security when borrowing money. If for some reason you're unable to 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.
Our secured loans
At Jacaranda Finance, we offer secured loans for amounts between $5,000 and $25,000. Our Express Personal Loans are a fast finance solution to help everyday working Australians with large-sized expenses. We also offer secured car loans up to $25,000.
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.
- Friendly and helpful Australian based customer service team based in QLD, Brisbane
- 100% Online
- Flexibility With Collateral
- Money could be in your bank account and ready to use on the same day2 during normal business hours
-
Fast response and quick service. Life savers
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,810+ Reviews
Trustpilot
900+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 30/11/23
Secured Personal Loan Details
| Loan Amounts: | $5,000 to $25,000 |
|---|---|
| Loan Terms: | 24 months to 48 months |
| Loan Type: | Secured (or 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. |
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.
What other finance products do we offer?
Check out some of our other products here:
Cash Boost Loan
Cash Boost is a fast finance solution for small-to-medium-sized expenses, with the cost spread out over the term of the loan with manageable repayments.
- Loan amounts: $2,100 - $4,600
- Could be suitable for: Car repairs, medical expenses, vet expenses, white goods etc.
Express Car Loan
Hit the road with a fast, flexible and reliable express car loan from Jacaranda Finance.
- Loan amounts: $10,000 - $25,000
- Could be suitable for: New cars, used cars, balloon payments
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
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. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
What can I use a secured loan for?
Our secured loans are flexible and can be used for many things. Some of the most common reasons our customers take out a secured personal loan include:
Home repairs & maintenance
Sometimes you can't prepare for damages to your house, which can often be very expensive. We offer quick home repair loans as well as loans to cover the cost of maintenance, as well as loans for car repairs.
Travel & holiday Costs
Everyone needs a holiday now and then - they're good for you! If you don't already have the money saved up though, we can give you a loan for a holiday as well.
Home renovations
Whether it's to remodel your kitchen, add an outdoor deck, or install a security system, a home renovation loan from Jacaranda can really help turn your house into a home.
Weddings
That's right, a Jacaranda Finance secured loan can help you pay for that dream wedding of yours. It's your day after all!
Read more: Funding a wedding - using savings vs. using a loan.
Debt consolidation
Combine other loans into one easy-to-manage repayment with a Jacaranda debt consolidation loan.
And more!
We can also provide loans for common expenses such as:
Personal Loans Online Up To $25,000
Money in your bank account and ready to use in 60-seconds3 once approved.
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.
OVER 5,000 REVIEWS
Customer Testimonials On Trusted Platforms
-
Super easy and fast system, applying was seamless and money was instant! See Less
Super easy and fast system,... See More
![google icon]()
- S Johari - Google Review
-
Fast, reliable service had money in acc same day See Less
Fast, reliable service had money... See More
![google icon]()
- K Perkin - Google Review
-
Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. See Less
Jacaranda is always helpful, wonderful... See More
![google icon]()
- n falconer - Google Review
-
Brilliant service and quick action during application process the best there can be when it comes to quick loans. See Less
Brilliant service and quick action... See More
![google icon]()
- N Ross - Google Review
-
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
Jacaranda finance is definitely one... See More
![google icon]()
- B Pocock - Google Review
-
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
So jacaranda finance.. Were great... See More
![google icon]()
- N Rice - 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. See Less
It is easy to apply... See More
![google icon]()
- D Miguel - Google Review
-
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
Good people to work with.... See More
![google icon]()
- K Kupke - Google Review
-
Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. See Less
Excellent service once again from... See More
![google icon]()
- J 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. See Less
Excellent 5 STAR customer service... See More
![google icon]()
- B Lau88 - Google Review
-
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
Jacaranda finance were amazing they... See More
![google icon]()
- R Hay - Google Review
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 30/11/23
See all FAQs
Secured loan FAQs
Want to know more? Here are some of our most frequently asked questions about our secured personal loans.
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.
- 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
At Jacaranda Finance, we offer secured and unsecured loan products tailored for various purposes.
It's important to note that unsecured loans may have lower borrowing limits since they do not require a secured asset. Typically, we do not offer unsecured loans exceeding $15,000.
Whether you should get a secured or unsecured loan will depend on your individual circumstances. Please contact our customer service team to discuss your options.
At Jacaranda Finance, we offer secured and unsecured loan products tailored for various purposes.
It's important to note that unsecured loans may have lower borrowing limits since they do not require a secured asset. Typically, we do not offer unsecured loans exceeding $15,000.
Whether you should get a secured or unsecured loan will depend on your individual circumstances. Please contact our customer service team to discuss your options.
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria and the loan product, loan amount and loan term you qualify for.
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 loan products, visit our rates and fees page.
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 credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
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.
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. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
