FlexiCredit
New
Unsecured Loans
Apply for fast funds in minutes1 with an Unsecured Loan from Jacaranda Finance.
Same-day applications2
Speedy transfers
Secure, fixed repayments
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Apply for fast funds in minutes1 with an Unsecured Loan from Jacaranda Finance.
Same-day applications2
Speedy transfers
Secure, fixed repayments
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.
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:
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]()
Unsecured
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*
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Unsecured
Personal Loan$3,000 - $15,000![]()
Interest Rate17.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
32.40% to 42.80%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
UnsecuredEstablishment Fees![Show the About Establishment Fees modal]()
$130 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$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. -
Secured
Personal Loan$3,000 - $25,000![]()
Interest Rate14.95% to 27.95%Comparison Rate![Show the About Comparison Rate modal]()
29.30% to 42.80%Loan Term25 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
Unsecured![Show the About Security modal]()
SecuredEstablishment Fees![Show the About Establishment Fees modal]()
$130 to $990Monthly Fees![Show the About Monthly Fees modal]()
$24 p/monthRisk Fee![Show the About Risk Fee modal]()
$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.
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 Rate17.95% to 27.95%17.95% to 27.95%Comparison Rate![Show the What does it mean? modal]()
32.40% to 42.80%32.40% to 42.80%Loan Term25 - 36 months25 - 36 monthsSecured or
Unsecured![Show the What does it mean? modal]()
UnsecuredUnsecuredMonthly Fees![Show the What does it mean? modal]()
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$130 to $990$130 to $990Risk Fee![Show the What does it mean? modal]()
$0 to $995$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. -
Secured
Personal Loan$3,000 - $25,000![]()
Interest Rate14.95% to 27.95%14.95% to 27.95%Comparison Rate![Show the What does it mean? modal]()
29.30% to 42.80%29.30% to 42.80%Loan Term25 - 48 months25 - 48 monthsSecured or
Unsecured![Show the What does it mean? modal]()
SecuredSecuredMonthly Fees![Show the What does it mean? modal]()
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment Fees![Show the What does it mean? modal]()
$130 to $990$130 to $990Risk Fee![Show the What does it mean? modal]()
$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.
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
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.Â
You can easily apply for an Unsecured Loan online now or download the Jacaranda Better Credit app and get started today!
7.
Estimate Loan Repayments
If you’re after more of a visual guide on how much one of our loans might cost you, use our loan repayment estimate calculator to get a guide on what your repayments could be with an Unsecured personal loan.
It only takes a few seconds!
Ready to Apply? You can get started now.
3.
Repayment Cycle
...
Estimated per
* Repayment Disclaimer
*Please consider: The example repayment is an estimate based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.
Interest Rate
14.95% - 27.95%
Comparison Rate**
29.30% - 42.80%
Total Repayment
Including Interest & Fees
Including Interest & Fees
...
** 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.
Ready to Apply? You can get started now.
8.
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
9.
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.
10.
Unsecured Loan FAQs
Want to know more? Here are some of our most frequently asked questions about our Unsecured Loans.
