$3,000 - $25,000
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If you need a loan to pay for a major expense, a Personal Loan with Jacaranda Finance could be the solution for you.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Quick find topics on this page.
Our Personal Loans offer a wide range of options. You can borrow as little as $3,000 or as much as $25,000, with loan terms ranging from 25 months to 36 months. This flexibility allows you to choose the loan that best suits your needs.
We make borrowing a breeze, and our Short Personal Loans come with the following benefits:
100% online, complete your application in minutes1.
Manage your loan on the go via the BetterCredit App.
Enjoy easy upload options for your documents.
Get your money when you need it most.
With fixed repayments and both secured and unsecured loan options, you could use one of our Personal Loans for any of the following everyday purposes:
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.
How quickly can I apply for a loan with Jacaranda Finance?
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.
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 loan repayment calculator to estimate your repayments before you apply.
Ready to Apply? You can get started now.Don't get our short loans confused with payday loans. The two are very different products! A payday loan typically offers loan amounts up to $2,000, with loan terms starting from 16 days to one year, and they tend to be much more expensive than personal loans according to ASIC's MoneySmart.
Jacaranda Finance's Personal Loans, on the other hand, can be up to $25,000, and our loan terms start at 25 months. Unlike payday loans, which are often used for day-to-day expenses, our loans are commonly used to pay for life's large and mid-sized expenses. You can repay what you owe in a short space of time without stretching your repayments too much.
Read more about things like payday loans, loan terms, loan repayments and more by checking out some of our in-depth guides below:
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:
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.
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.
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.
