Unsecured Loans

Apply for fast funds in minutes1 with an Unsecured Loan from Jacaranda Finance.

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Same-day applications2
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Speedy transfers
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Secure, fixed repayments

Apply for fast funds in minutes1 with an Unsecured Loan from Jacaranda Finance.

Decorative graphic of a calendar
Same-day applications2
Decorative graphic of a clock
Speedy transfers
Decorative graphic of a Database
Secure, fixed repayments

Want fast cash without needing loan security?
Apply for an Unsecured Loan now!

1.

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.

About our Unsecured Loans

At Jacaranda Finance, we offer Unsecured Loans for amounts between $3,000 and $15,000. Our Unsecured Loans are a fast finance solution to help everyday working Aussies with mid-sized expenses.

With loan terms of up to 36 months and flexible repayment options, we make it easy to get the funds you need when you need them.

2.

Boost Your Credit Score With Jacaranda

Check your eligibility

Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!

Comprehensive Credit Reporting (CCR)

Making all your repayments to us on time could steadily improve your credit score and positively impact your ability to get credit in the future.

Some's credit score improving thanks to our CCR
3.

What can you use our Unsecured Loans for?

Our Unsecured Loans are a flexible way to borrow the funds you need for those key expenses, expected or unexpected. Some of the most common uses of an Unsecured Loan are:

  • Home Improvement

    From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.

  • Debt Consolidation

    Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.

  • Holidays & Travel

    Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.

  • Appliances & Furniture

    New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.

  • Medical Bills

    You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

  • Dental

    Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.

  • Car & Vehicle Repairs

    When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!

  • Rental Bond & Moving

    Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.

  • Home Improvement

    From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.

  • Debt Consolidation

    Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.

  • Holidays & Travel

    Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.

  • Appliances & Furniture

    New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.

  • Medical Bills

    You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

  • Dental

    Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.

  • Car & Vehicle Repairs

    When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!

  • Rental Bond & Moving

    Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.

4.

Unsecured Loan Rates & Fees

Our Unsecured Loans are affordable, and our rates and fees are transparent. Jacaranda Finance has no hidden charges:
what you see is what you get!


See the table below for a quick guide to our fees and charges, or visit our rates and fees page for more information.

Interest Rate
Comparison Rate
Show the What does it mean? modal
Loan Term
Repayment Cycle
Secured or
Unsecured
Show the What does it mean? modal
Establishment Fees
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    19.95% to 29.95%
    Comparison Rate
    Show the About Comparison Rate modal
    36.11% to 47.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $129 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $26 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $1,295
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    16.95% to 29.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.99% to 45.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or
    Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $125 to $1,190
    Monthly Fees
    Show the About Monthly Fees modal
    $26 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    19.95% to 29.95%
    19.95% to 29.95%
    Comparison Rate
    Show the What does it mean? modal
    36.11% to 47.50%
    36.11% to 47.50%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Unsecured
    Unsecured
    Monthly Fees
    Show the What does it mean? modal
    $26 p/month
    $26 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $129 to $990
    $129 to $990
    Risk Fee
    Show the What does it mean? modal
    $0 to $1,295
    $0 to $1,295
    Comparison Rate Warning* Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    16.95% to 29.95%
    16.95% to 29.95%
    Comparison Rate
    Show the What does it mean? modal
    32.99% to 45.50%
    32.99% to 45.50%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or
    Unsecured
    Show the What does it mean? modal
    Secured
    Secured
    Monthly Fees
    Show the What does it mean? modal
    $26 p/month
    $26 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    Show the What does it mean? modal
    $125 to $1,190
    $125 to $1,190
    Risk Fee
    Show the What does it mean? modal
    $0 to $995
    $0 to $995
    Comparison Rate Warning*
    (Personal Loans)
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
    Comparison Rate Warning* Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
5.

Secured vs Unsecured Loans
Pros and Cons

We also offer Secured Loans, which are loans that require collateral (aka security). We usually require a vehicle to be used as security, but doing so means you’ll usually be considered a more creditworthy borrower, and could be considered for a larger loan amount and more competitive loan terms as a result.

With a Jacaranda Secured Loan, you can borrow up to $25,000.

The following table shows the general pros and cons of both secured and unsecured loans.

Read more: 5 Differences Between Secured and Unsecured Loans

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6.

Ready to apply for an Unsecured Loan?

We know how important it is to receive your funds in a timely manner, which is why our application process has been designed to be as quick and simple as possible. 

You can easily apply for an Unsecured Loan online now or download the Jacaranda Better Credit app and get started today!

7.

We Make Applying Easy

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.

Available Now

It’s Faster With the Better Credit App

  • Easily apply for and manage your loan in-app
  • Make extra repayments, check your balance & more
  • Easy access to our customer service team
8.

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
Show the About Reviews modal About Reviews
9.

Unsecured Loan FAQs

Want to know more? Here are some of our most frequently asked questions about our Unsecured Loans.