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Fast loans for life's hurdles
Unsecured Personal Loans
- Apply online from anywhere
- Express personal finance
- Award-winning service
If you're in need of an unsecured personal loan, Jacaranda Finance has you sorted. We offer quick online unsecured loans from $2,100 up to $15,000. By adding security to your loan, you could access up to $25,000.
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
I'd like to borrow
Over the term of
You can now check your eligibility,
with no impact on your Credit Score!
2,660+ Reviews
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
View all our awards
Award-winning lender
What is an unsecured loan?
Unsecured loans 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 they are typically smaller than secured loans as a result.
At Jacaranda Finance, we offer unsecured loans for amounts between $2,100 and $15,000. Our Express Personal Loans are a fast finance solution to help everyday working Australians with medium and large-sized expenses.
- Fast Loan Outcomes & Transfers
- Quick & Simple Application, 100% Online
- Borrow up to $15,000 Unsecured
- Secure your loan for better loan terms
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Fast response and quick service. Life savers
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Unsecured Personal Loan Details
| Loan Amounts: | $2,100 to $15,000 ($25,000 by adding security) |
|---|---|
| Loan Terms: | 9 to 36 months (48 months by adding security) |
| Loan Types Available: | unsecured |
| Rate type: | Fixed |
| Repayment options: | Weekly, fortnightly or monthly |
| No early payout or exit fees: | Customers who pay their loan out early do not incur any additional fees or charges for doing so. |
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
Personal Loans Online Up To $25,000
Money in your bank account and ready to use in 60-seconds3 once approved.
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.
What can I use an unsecured loan for?
A Jacaranda express personal loan product is typically suited for larger expenses up to $15,000. Our Personal loans have fixed interest rates and you may use them for a variety of reasons.
If approved, you'll borrow a set amount of money and pay it off with set weekly, fortnightly or monthly payments over a scheduled period of time.
Our customers commonly take out a Jacaranda Finance personal loan for some of the following reasons:
Home & car repairs
Whether it's cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you've been putting off. We also offer car repair loans to get you back on the road quickly.
Home renovations & installations
You can use our loans to improve your home via renovations, remodelling, installing tech like solar panels, landscaping, and much more!
Holidays & travel
You deserve a refreshing getaway, but travelling is expensive! Our loans can be used for flights, accommodation, and other costs that come with booking a holiday.
Debt consolidation
If you're juggling multiple loan & credit card repayments, you can consolidate them into one easier-to-manage loan with Jacaranda, provided all other repayments are up to date and on time.
Weddings
Whether it's for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day.
Moving costs
Moving house can cost a lot, especially if it's to a different city or state. There's also a lot of work to do, so let Jacaranda take care of the money part so you can do the rest.
We also provide loans for:
Am I eligible for a Jacaranda personal loan?
The basic eligibility criteria you must meet before submitting an application:- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, employer, dependant number)
- Online banking details
There are instances where our team may need to request further information or supporting documents from you. Don't worry, we will let you know exactly what we need and why we need that information from you.
Why you'll love dealing with Jacaranda
At Jacaranda, we know that sometimes life can throw the unexpected at you. That's why we're on a mission to assist hard-working Australians with fast, reliable and responsible access to finance for life's expenses when you get caught short. We're 100% online, Australian-owned and operated, and we make applying for finance simple and fast.
Here are some other reasons our customers love us:
- We've been providing finance to hardworking Australians for nearly 10 years. We've already helped over 50,000 customers and we have thousands of positive reviews.
- Get started with an application and be done in as little as 5-12 minutes1 or once you've started an application come back and pick up where you left off in your own time. The application time varies per customer and it might take you longer.
- Our smart technology allows us to get back to you with a fast outcome. Most applicants get a same-day outcome once the application is completed2 during normal business hours.
- If you accept our loan offer by signing your digital contract the funds are usually in your bank account and ready to use within 60-seconds3 if you have a New Payments Platform (NPP) enabled bank account. If you don't, your funds are usually available overnight.
- Our friendly and respectful Australian-based customer service team are here to help you. Existing customers can log into the self-service customer portal, 24/7, 365 days per year.
- Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan. Simply contact our customer service team.
Don't just take our word for it
We strive to offer superior customer service - our Australian-based teams are friendly, personable and helpful and most of the time the first person you deal with can assist with your query. We’re open on Saturdays too!
Don’t believe us? Check out what scores of happy previous Jacaranda customers have had to say below!
OVER 5,000 REVIEWS
Customer Testimonials On Trusted Platforms
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Super easy and fast system, applying was seamless and money was instant! See Less
Super easy and fast system,... See More
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- S Johari - Google Review
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Fast, reliable service had money in acc same day See Less
Fast, reliable service had money... See More
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- K Perkin - Google Review
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. See Less
Jacaranda is always helpful, wonderful... See More
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- n falconer - Google Review
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Brilliant service and quick action during application process the best there can be when it comes to quick loans. See Less
Brilliant service and quick action... See More
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- N Ross - Google Review
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Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! See Less
Jacaranda finance is definitely one... See More
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- B Pocock - Google Review
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So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced See Less
So jacaranda finance.. Were great... See More
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- N Rice - Google Review
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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. See Less
It is easy to apply... See More
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- D Miguel - Google Review
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. See Less
Good people to work with.... See More
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- K Kupke - Google Review
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. See Less
Excellent service once again from... See More
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- J Mccullough - Google Review
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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. See Less
Excellent 5 STAR customer service... See More
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- B Lau88 - Google Review
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Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. See Less
Jacaranda finance were amazing they... See More
![google icon]()
- R Hay - Google Review
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
What other finance products do we offer?
Check out some of our other products here:
Cash Boost Loan
Cash Boost is a fast finance solution for small-to-medium-sized expenses, with the cost spread out over the term of the loan with manageable repayments.
- Loan amounts: $2,100 - $4,600
- Could be suitable for: Car repairs, medical expenses, vet expenses, white goods etc.
Express Car Loan
Hit the road with a fast, flexible and reliable express car loan from Jacaranda Finance.
- Loan amounts: $10,000 - $25,000
- Could be suitable for: New cars, used cars, balloon payments
See all FAQs
Unsecured loan FAQs
See our most frequently asked questions on unsecured loans for more information.
At Jacaranda Finance, we offer secured and unsecured loan products tailored for various purposes.
It's important to note that unsecured loans may have lower borrowing limits since they do not require a secured asset. Typically, we do not offer unsecured loans exceeding $15,000.
Whether you should get a secured or unsecured loan will depend on your individual circumstances. Please contact our customer service team to discuss your options.
Unsecured Loans
Pros
- You can be eligible without providing an asset as collateral
- Application process is often faster than when applying for a secured loan
Cons
- Interest rates can be higher as this loan type comes with a higher risk level
- Often relies on your creditworthiness
Secured Loans
Pros
- You can borrow larger amounts as your loan will be secured to an asset
- Typically have lower interest rates than unsecured loans
Cons
- Your personal asset could be at risk of being seized if you're unable to repay the loan
Read more: Secured vs unsecured loans.
No. As a responsible lending body, Jacaranda Finance is required to complete a credit check on all applications. We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted. Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file. We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand. There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria and the loan product, loan amount and loan term you qualify for.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
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
we're here to help
Need a hand?
Our customer service team are here to help.
If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
