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!
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!
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 $3,000 and $25,000.Â
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 36 months and flexible repayment options, we make it easy to pay for life's big costs.
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:
- Borrow from an award-winning lender
- Loans from $3,000 to $25,000
- Choose your loan terms: 25 - 36 months
- Fixed interest rates to help you budget
- Flexible repayments - pay extra at no additional cost!
- Easy applications - apply in just 5-12 minutes1
- Check if you qualify - no effect on your credit score
- Receive a same-day outcome2 on your application
- If approved, get your money within 60 seconds3 (NPP-enabled bank accounts only)
- Improve your credit score with each repayment
- Manage your loan easily in our Better Credit app
Let Jacaranda unlock the new financial you!
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:
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.
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.
Boost Your Credit Score With Jacaranda
Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!

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.

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 $3,000 and $15,000 with an Unsecured Loan.
Read more: 5 Differences Between Secured and Unsecured Loans

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 Better Credit app and get started today!
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!
Ready to Apply? You can get started now.
Including Interest & Fees
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.
It’s Faster With the Better Credit App
- Easily apply for and manage your loan in-app
- Make extra repayments, check your balance & more
- Easy access to our customer service team
Trusted by 1,000s
Secured Loan FAQs
Want to know more? Here are some of our most frequently asked questions about our Secured Loans.