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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Need a small loan for an unexpected expense? Well, you’re in the right place. Here’s all you need to know about Jacaranda’s small loans

Small Loans from $300 to $4,600 | Find out how Jacaranda Finance can help you today!

We’ve all been in that situation before where cash flow is low and an expense crops up out of the blue. Sometimes, big bills come in that are higher than expected. Or perhaps it’s that time of year when you have to pay your car rego. Whatever situation it is, you’ll often find that it’s something that needs to be paid for ASAP! It can be incredibly stressful to have to pay for emergency expenses. However, that’s where we come in. We do small loans to cover those unexpected costs so that you can go back to focusing on the more important things in life.

What are Jacaranda’s small loans?

Small loans are short-term personal loans that borrowers apply for to cover any personal expense they may need help with, in the lead up to payday. Typically, these small loans are unsecured and can range from $100 up to $5,000 with repayment periods varying between 16 weeks and 12 months. However, our small loans range from $300 to $2,000 and are repaid over a 12 month period.

At Jacaranda, we do two types of personal loans: small personal loans and medium secured personal loans. The two types vary slightly in terms of the features they offer and the requirements needed to qualify for the loans. Here we explain the differences between the two types:

These are our unsecured loans, where you can borrow an amount anywhere between $300 to $2,000. You can repay these small loans over a 12-month period. The cost to borrow these types of loans is a 20% establishment fee, plus a 4% monthly fee.

With our medium-sized loans, you can borrow between $2,100 to $4,600, which can be repaid over 13 to 24 months. These loans cost an establishment fee of $400 plus an annual fee of 48%.
To find out more about how much our small loans costs, head to our homepage to use our small loans calculator.

In addition, check out the Moneysmart website which contains useful info about the permittable fees and charges for loans.

How can I get a small loan?

To get small cash loans all you need to do is head to our website and fill out our online application form. Just meet our eligibility requirements and provide the required information and you should have no problem getting small loans with us.

How do I apply?

To apply for small loans simply head to our homepage and complete our easy online application form that takes less than 4 minutes to complete! Here, the application form will ask you a few questions about your personal details, banking details, and purpose of the loan.

Why do people borrow small loans?

There are several reasons why people borrow small personal loans. Sometimes it’s to pay for an emergency expense and other times small loans can simply help to enhance your quality of life! Here is a list of some of the ways small loans can help you create unforgettable experiences:

Music festival tickets

Popular music festivals can be great fun, but sometimes tickets sell out fast. If you can’t wait until your payday and don’t want to miss out, a loan can help you pay for the tickets.


They say that life begins at the end of your comfort zone. So, a small loan can help you to take the leap and go on your next adventure.

Funding a start-up business

If you’ve got a great idea but need a bit of capital to get it off the ground, small loans can be the perfect thing.

To fund an awesome birthday party

If you want to have a great celebration on your birthday, small loans can be just the thing to make your party dreams a reality.

To plan your wedding ceremony

Your wedding can be one of the best days of your life. Therefore, a small loan can be the tool to help you to make it the special day you’ve always dreamed of.

Renovating a room in your house

Sometimes it’s worth giving a room a facelift! Thus, not only can you enjoy the place more, but you can increase the future resale value of your house.

Paying for a toy

If you’ve always wanted to own the ultimate toy to have fun with on the weekend, small loans can be just the thing you need. Whether you want to own a motorbike, scooter, Jet ski, quad bike, kayak or paddleboard, get a small loan to make it happen.

Take a course

If there is a skill you’ve always wanted to learn whether professional or hobby related, why not immerse yourself in a course. Sometimes courses can be expensive, and small loans can help to pay for these costs.

What are the eligibility requirements?

While the application for small cash loans is simple, there are a few requirements needed to qualify. To be eligible to apply for Jacaranda small personal loans you need to be:

Some information required to assess your application includes:

How do repayments work for Jacaranda small loans?

With Jacaranda, our repayments work by setting up a direct debit, so that your repayments for your small loans will come out of your account automatically. They can be set up to come out of your account on a weekly, fortnightly or monthly basis. Though, we suggest matching your repayment interval with your pay cycle, as we find this to be the easiest way.

Reasons people apply for small loans?

There are a variety of reasons people need to apply for small loans. Here are some of the common reasons people use small personal loans:

Do you do small loans no credit check?

We don’t always do credit checks. Though when we do, your credit rating is not the only thing we look at. Having bad credit is often a result of situations that may have happened in the past. However, we’d prefer to assess your finances based on your current relationship to finances, and not hold you back because of your bad credit rating.

What does it mean to have bad credit?

Your credit rating is a value given on a scale from 0 – 1200 and describes your history with credit. The higher the value the better your credit rating is. If your credit rating is anywhere below 620, it is considered bad. The credit rating reflects the information contained in your credit report, which includes the following details:

Do you do small business loans?

If you’ve got a small business, we can do small loans to cover your small business expenses. For instance, if you need to pay for new machinery or office supplies, our small cash loans can cover these costs. Here are other examples of what our small business loans can be used for:

Do you do small loans for Centrelink customers?

Yes, we do small loans for Centrelink customers! You need be receiving Centrelink income payments and provide us with your Centrelink MyGov statement. However, it’s important to note that we don’t accept all Centrelink customers. We assess everyone on a case by case basis and we will never lend any more to customers than they are able to afford. We take our duty as responsible lenders very seriously.

What if my loan application is not accepted?

If your loan application is rejected there are several reasons as to why this may have happened. Below we’ve listed some of the reasons your small loan application may not have been accepted:

Didn’t meet the eligibility requirements

First and foremost, if your application was not accepted, check that you have met all the requirements to qualify for a loan.

Insufficient income

For us to qualify you for a loan we need to ensure that you can afford the repayments. So, if you have a very low income this may be one of the reasons your application was not accepted.

You’re going to use your small loan to pay for another small loan

Unfortunately, if you are going to use a small loan to pay off another loan, this is a sign that you won’t be able to afford the repayments of the loan.

You don’t have a stable job with a regular income

If your income varies from pay check to pay check, lenders will see this as risky. We may be concerned that you won’t be able to keep up with regular repayments if your income fluctuates a lot.

How to avoid your application being rejected?

If you want to avoid your small loans application from being rejected here are some tips to keep in mind before you apply.

So, there you have it – all you need to know about borrowing small loans. If you need a small loan you know where to go. Whether its small business loans you need or small loans no credit check, we’ve got you covered. Even if you need small loans for unexpected expenses, or even to fund those life experiences that just make life worth living. Jacaranda is your go-to for small loans because our application process is easy and fast! Sound good to you? Then why not go ahead and apply… right here!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Small Loans from $300 to $4,600 | Find out how Jacaranda Finance can help you today! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much