Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Used car loans to get you back on the road. Get ready to get your wheels in motion again!

Let us drive your used car loans!

In our fast-paced world, there is a demanding need for a car to get you where you need to go. Cars may be a necessity; however, they can also drain your pockets. Used car loans could be your perfect match, with our simple and fast application process, we’ll have you on the road in no time.

It can be tricky to find the right used car loans. There are so many options and vendors and navigating fine print and complicated deals can be time-consuming.

Jacaranda Finance is an Australian online loan company based in Brisbane, we offer fast no fuss finance for individuals. We are 100% online, so all you need to do is apply from the comfort of your living room.

how it works question

What are used car loans?

Jacaranda Finance is offering used car loans for customers that are 100% online with fast approval.

When we say fast approval, we mean it! Our application takes 4 minutes to fill out and we can approve your used car loan within 60 minutes.

Used car loans with Jacaranda Finance are offered from $2,000 to $4,600 over a 12 to 24-month term.

how it works question

Need your money in a hurry?

We are a 100% online company, that means that you won’t have to waste time making appointments with bank managers or waiting in queues.

If your application is submitted during business hours it can be approved within 60 minutes!

Once it is approved and you have accepted the contract you could have the cash in your bank account instantly!

How Jacaranda Finance used car loans work

Applying for used car loans is easy and stress-free. Our used car loans require no paperwork and self-serviced – no more time-consuming trips to the bank!

There are a few simple steps to follow to help you complete our used car loan application:

Step one

Complete our used car loan application in just 4 minutes! Our used car loan repayment calculator is the perfect tool to help design your very own used car loan.

Our payment calculator is located on the top of each Jacaranda Finance website page. Simply, select your loan amount and length you desire and click ‘Apply Now.’ From there, you’ll be taken to our used car loan application, it’s that simple!

Step two

We will assess your application based on the details of your financial history and your present finances. Following our responsible lending practices, we will look at your bank statements and spending habits to see what used car loan is right for you.

Step three

To relieve the stress of red tape, we utilise the latest in safe banking technology to obtain your bank statements and look at your spending habits. All you need you need to do is sit back and resume your latest Netflix binge!

Step four

When your used car loan application is being assessed, it’s important to remember we operate under the ethics of responsible lending. We would never lend money to clients who could not afford the repayments.

Step five

In 60 minutes we can assess your application and contact you about the outcome. A 60-minute return time may vary depending on the information that is supplied and how long it takes to verify it.

We aim to assess your used car loan with haste, to get you moving! We want to deliver a Yes or No answer within 60 minutes to prevent you waiting for days, wondering if your used car loan has been approved.

how it works question

How much will my loan cost?

We hear this question a lot, so we have provided the right tools for you to figure out the right loan amount and length. We are straight up about our costs; no 8-font pt. hidden fees!

To figure out your used car loan costs, check out our handy used car loan repayment calculator.

The used car loan calculator can help you decide how much you can afford to repay, and how long it will take you to pay back. We care about your privacy and security, so once you apply for a loan via the repayment calculator, you will be sent a verification code by SMS.

We offer used car loans as medium secured personal loans. The loan amount ranges from $2, 001 and $4, 600. Our loan terms run from 13 months to 24 months.

We are upfront about all our fees and charges.Our costs include an annual personal rate of 48% and the comparison rate is 66.0347% P.A.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

how it works question

The customer service lowdown

When you’re using our online service, we want you to feel welcome and at home. We are the loan experts and are here to help with any enquiries (and we mean any! No such thing as a stupid question).

Delivering quality customer service is important to us.

We have an expert team monitoring the Jacaranda Finance website and phones to answer any worries you may have. Visit us online now and let one our friendly staff help you solve your used car loan problems.

Introducing our latest team member: Dani the bot!

Meet Dani, she is the latest addition to the Jacaranda Finance team. She is smart, intelligent AI bot that is available for all hours of the day. With Dani, we can service your needs quickly, without the hassle of human error. You may be thinking, why can’t I just talk to a human? Well, at Jacaranda Finance we have both!

Discover more about Dani by clicking here: Meet Dani.

how it works question

I have bad credit; would I still be eligible for a used car loan?


Here at Jacaranda Finance, we pride ourselves on being responsible lenders. While we do perform credit checks to ensure that you can afford one of our used car loans, we look at much, much more.

We understand that past financial mishaps may not represent the health of your present finances.

More lenient than other more traditional banks, we encourage all Aussies to apply and let our brilliant customer service team go about assessing your situation to see how we may be able to help. You can also click here to see tips on increasing your credit score.

how it works question

Do we offer secured car loans?

Yes, you can use your car as security for a loan with Jacaranda Finance.

A secured car loan is a loan that is ‘secured’ by equity, such as a car, house, boat or caravan. A secured loan is a great option if you are looking to purchase a second car. Owning a second car can be critical for some families, so why not save costs by applying for a used car loan?

If you do not have any outstanding debts on your car then you can apply to have a secured loan with Jacaranda Finance.

It’s important to note that you do need to be the owner of the asset (that’s a car, boat, bike or caravan) that you’re putting up as security.

how it works question

I’m receiving Centrelink benefits; can I get a used car loan?

We sure do!

We are happy to take applications from customers whether they are working or receiving Centrelink payments.

In line with your responsible lending regulations, when applying for a used car loan at Jacaranda Finance we urge our clients to have a regular income for 90 days.

We accept almost all Centrelink payments, aside from Newstart and Youth Allowance. We do not accept these payments because we consider them to be a temporary source of income.

Here is a helpful list of Centrelink payments we accept:

Hit the APPLY NOW button at the top of the page and fill out the quick application form. Once you hit submit, we’ll be hard at work getting your used car loan underway!

how it works question

How our repayments work for you

If you’re tired of dealing with endless paperwork and reworking your schedule to fit in trips to the bank, Jacaranda Finance has the perfect repayment process for you. We make your used car loans repayments easy, by utilising the latest safe banking technology.

We will set you up with a direct debit from your bank account on a day that you nominate. Each week or fortnight we will automatically collect the repayments from your account. No need to worry or fuss about paying a bill!

Sometimes repayments can feel stressful. With our used car loans, however, we have designed a longer loan term to give you breathing space while repaying.

Once your loan is paid back in full your direct debits will automatically stop, it’s that simple.

Thanks to our direct debit system, repayments are easy and worry-free.

how it works question

Things to consider when looking for a used car loan:

Who is this product for? Those wanting to apply for a used car loan
How do I know if I am eligible for used car loans? To be eligible you need to be: Be 18 years of age. Regularly employed. A permanent Australian resident.
How do I repay my used car loans? Repayment terms will vary depending on each applicant’s agreement but will generally range from 12-24 months.
Available Loan types Fixed
Lender Jacaranda Finance

When it comes to trusting a used car loans company Jacaranda Finance have your back!

We will always be transparent, act ethically, and be fast and easy. Our systems provide safety and privacy for your information, and our dedicated team is always ready to help.

If you’re a returning customer, applying for a used car loan just got even easier. And if you recommend us to a friend, there will be rewards coming your way.

how it works question

You have the used car loan, now it’s time for the car!

Acquiring a used car loan with Jacaranda Finance is the easy part, next is buying a used car!

It can be tricky to navigate the market of used cars, so here is a handy checklist to help get you started:


Sorted! With Jacaranda Finance used car loans.


Give yourself a map of the market. Work with your budget and explore all the different options.

Refine your search

Begin to refine your search by picking a model, make, price, auto or manual. Take note of other buyer’s reviews of the car you are looking at.

Contact the seller

When you make initial contact with the seller, jot down a few questions to ensure you don’t forget anything. Such as:

Arranging an inspection

If you are interested in a car from a private seller, insist on inspecting the car at their home address.

Check the car’s history

It’s handy to double check the car’s history, to inspect whether it’s being stolen, has outstanding finance or a previous insurance write-off. Just use the car’s VIN (Vehicle Identification Number) and check the state databases for a small fee.

Checking the car

Inspect the car for damage, and adjust your price accordingly. Check all the equipment on the car works when you take it out for a test drive.

Price negotiation

Make a list of faults you find on the car and adjust your price. Suggest a figure below the asking price, you never know if you don’t ask!

Payment and paperwork

Keep copies of your payment papers and ensure all the registration and service history is in order. Need help with rego? No worries, Jacaranda Finance has you covered.

When it comes to used cars, Jacaranda Finance can sort out your financial stress with a used car loan. We’re here to help you find the perfect loan match for your financial needs, so apply today and see how we get can you on the road.

Your business drives ours, so we put systems in place to help take care of our customers.

We are 100% online, 60 min approval, no fuss finance company, so why wait! Start your relationship with Jacaranda Finance and APPLY NOW!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Let us drive your used car loans! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much