When life throws you a curveball, you might need some help paying for it.
A Personal Loan with Jacaranda Finance could be just what you need to manage these unexpected (and expected) expenses.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
We make borrowing a breeze. Focusing on efficiency and quick responses, your financial needs are our top priority.
100% online, complete your application in minutes1.
Manage your loan on the go via the Better Credit App.
Enjoy easy upload options for your documents.
Get your money when you need it most.
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.
Apply online today in just four simple steps:
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.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.
Learn more about how our loans work with answers to our most common questions.
In Australia, a small loan is a loan taken out to cover small- to medium-sized expenses. These loans allow you to borrow a lump sum to be repaid with interest over a specified loan term.
At Jacaranda Finance, our Personal Loan could be the small loan solution you need to manage those smaller but still significant expenses.
With our Personal Loan, you can borrow as little as $3,000, with loan terms starting from 25 months.
Fixed interest rates mean you can pay your loan off in a shorter period of time with more structured repayments, and you can pay extra if you want at no additional cost!
Whether you want to pay for flights, car repairs, or moving expenses upfront, a Jacaranda Personal Loan could be what you're looking for.
No. Payday loans typically offer amounts up to $2,000, with loan terms starting from 16 days to one year, which tend to be more expensive overall.
Jacaranda's small loans, on the other hand, start from $3,000 up to $25,000, with minimum loan terms of 25 months. Visit short-term loans for more information.
We review all applications, even those who have bad credit.
Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.If you don't meet our initial criteria, your credit score won't be affected.
Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.
We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.
Other lenders will be able to see that you applied for a loan with Jacaranda.
This might impact your credit score.
Review our Privacy Policy for more information.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
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
Check out our latest articles covering all kinds of topics. From emergency cash and small personal loans to credit checks and comparison rates, explore our tips for every financial situation.
$3,000 - $25,000
