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'
Most lenders are closed on the weekend, but not Jacaranda Finance! We’re a 100% online lender, which means you can get started in just minutes1 anytime that suits you, including on the weekend!
What’s more, we’re staffed between 8am and 4pm on Saturdays. Most approved applicants receive their funds in 60 seconds3 if they have an NPP-enabled bank account. The worst case for the rest is overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
So if life gets in the way and you need access to a loan quickly, Jacaranda Finance is open over the weekend to assist you, processing loans from $5,000 to $25,000.
$5,000 to $25,000
24 months to 48 months
Secured and unsecured
Fixed
Weekly, fortnightly or monthly
Customers who pay their loan out early do not incur any additional fees or charges for doing so. Fixed fees that have already been incurred are due and payable.
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.
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.
With fixed repayments and both secured and unsecured loan options, our loan options could be a great choice for you based on your needs, you could use one for any of the following common loan purposes:
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
Want to learn more about our personal loans and how they work? Find out all the answers to our most common questions here.
You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000.Â
For detailed information about who our products are designed for, please review our Target Market Determinations.
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 loans, visit our rates and fees page.
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:
Review our Privacy Policy for more information.
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
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.
Anyone unsatisfied with their loan for any reason can return the principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan4.
If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.
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, loan amount, and loan term for which you qualify.
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.
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.
