Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

How do I get approved?

Start the application process
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Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 8 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Unsecured Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes2
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

What is an unsecured loan?

If you need a quick cash loan to cover an unexpected expense, an unsecured loan with Jacaranda Finance could be the answer. Unsecured loans don’t require an asset to be attached for security. All you need to do is apply for a personal loan online by completing the application form and you’ll receive an outcome in 60-minutes2. If approved, you could have the cash in your hands in 60-seconds3.

  • Fast Loan Outcomes
  • 60-Second Transfers3
  • Quick & Simple Application
  • 100% Online

Get Your Cash In 60-Seconds Once Approved3

We’ve helped over 50,000 people get approved!

What can I use an unsecured loan for?

Whether it’s a last minute trip to the dentist or a small home improvement project, Jacaranda could sort you out with an unsecured loan.

Am I eligible for an unsecured loan?

  • Be at least 18 years of age

  • Be an Australian citizen or permanent resident

  • Have a consistent income into your bank account for the last 90-days

  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

 

Why Choose Jacaranda For Unsecured Loans

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Our tech

Jacaranda Finance is proud to be home to award winning, state-of-the-art technology which powers our 100% online application process. Our loan process is one of Australia’s smartest application processes and makes applying online hassle-free.

Our technology allows us to look at more than your credit score and understand your individual financial situation. We give all applicants a fair assessment, which is why we’re able to assist more customers who apply with us.

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Our speed

Quick and easy loans are at the forefront of what we do at Jacaranda Finance. Our 100% online application form can be completed in minutes and 90% of applicants will have an outcome at the end of the process. The rest of our applications will receive an outcome within 60-minutes2.

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Australian-based and family-owned

We’re proudly Australian-based and operated with one of the best customer service reputations in the nation, backed by our many reviews. We’ve been family-owned since the beginning and value good old-fashioned values, so we’re committed to giving our customers a positive experience.

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60-second payouts

Should you have a NPP-enabled bank account, which 90% of bank accounts do, the funds will be in your bank account within 60-seconds3 of accepting your contract. If your account isn’t NPP-enabled, that’s not a problem! The funds will be in your account overnight on the day you’re approved.

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – 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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim 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.

Brendan Lau88 – GOOGLE REVIEW
 

Frequently Asked Questions

Find out everything you need to know about unsecured loans in one place.