Unsecured Loans
Apply for fast funds in minutes1 with an Unsecured Loan from Jacaranda Finance.
Apply for fast funds in minutes1 with an Unsecured Loan from Jacaranda Finance.
Want fast cash without needing loan security?
Apply for an Unsecured Loan now!
Quick find topics on this page.
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.
Boost Your Credit Score With Jacaranda
Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!
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.
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:
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Home Improvement
From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
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Debt Consolidation
Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.
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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.
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Appliances & Furniture
New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.
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Medical Bills
You can turn to Jacaranda for a personal loan to help pay for any large medical bills.
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Dental
Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.
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Car & Vehicle Repairs
When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
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Rental Bond & Moving
Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
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Home Improvement
From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.
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Debt Consolidation
Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.
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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.
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Appliances & Furniture
New beds, TVs, office furniture, white goods, dining sets, beds - you name it - can easily cost thousands of dollars.
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Medical Bills
You can turn to Jacaranda for a personal loan to help pay for any large medical bills.
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Dental
Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.
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Car & Vehicle Repairs
When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
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Rental Bond & Moving
Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
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.
Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
Unsecured
Secured or
Unsecured
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.
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Unsecured
Personal Loan$3,000 - $15,000Interest Rate19.95% to 29.95%Comparison RateAbout Comparison RateA comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
36.11% to 47.50%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$129 to $990Monthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$26 p/monthRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $1,295Comparison 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 - $25,000Interest Rate16.95% to 29.95%Comparison RateAbout Comparison RateA comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
32.99% to 45.50%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$125 to $1,190Monthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$26 p/monthRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $995Comparison 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.
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Unsecured
Personal Loan$3,000 - $15,000Interest Rate19.95% to 29.95%19.95% to 29.95%Comparison RateWhat does it mean?About Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
36.11% to 47.50%36.11% to 47.50%Loan Term25 - 36 months25 - 36 monthsSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredUnsecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$129 to $990$129 to $990Risk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $1,295$0 to $1,295Comparison 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 - $25,000Interest Rate16.95% to 29.95%16.95% to 29.95%Comparison RateWhat does it mean?About Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
32.99% to 45.50%32.99% to 45.50%Loan Term25 - 36 months25 - 36 monthsSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredSecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$26 p/month$26 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$125 to $1,190$125 to $1,190Risk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $995$0 to $995Comparison 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.
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
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.Â
You can easily apply for an Unsecured Loan online now or download the Jacaranda Better Credit app and get started today!
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.
Trusted by 1,000s
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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.
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Super easy and fast system, applying was seamless and money was instant!
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Fast, reliable service had money in acc same day
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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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 !
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I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
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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.
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
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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.
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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.
Unsecured Loan FAQs
Want to know more? Here are some of our most frequently asked questions about our Unsecured Loans.