Personal Loans Brisbane

Borrow $3,000 to $25,000
Same-Day Approval2
25-36 month terms
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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'

Award-winning lender

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Express personal loans in Brisbane

From the sunny lifestyle to its thriving dining scene and abundant parklands (featuring the iconic Jacaranda blooms), Brisbane is a beautiful place to live. Add in the Olympics in 2032, it's no wonder that Brisbane is becoming one of Australia's fastest-growing cities!

With that growth comes expenses. If you're after express personal finance in Brisbane, look no further than Jacaranda Finance. With personal loans ranging from $3,000 to $25,000, and car loans up to $30,000, Jacaranda Finance could have a loan to suit your needs.

Loan Details

Loan Amounts:
$3,000 to $25,000
Loan Terms:
25 months to 36 months
Loan Type:
Secured and unsecured
Rate type:
Fixed
Repayment Options:
Weekly, fortnightly or monthly
No Early Payout or Exit Fees:
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.
How to apply with Jacaranda Finance

We Make Applying Easy

If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. You can:

  1. Apply in just 5-12 minutes1
  2. Receive a same-day outcome2 on your application
  3. Get your money within 60 seconds3 if approved

Check if you qualify for one of our Personal Loans today!

Wondering what to get up to in Brisbane?

Whether you're passing through the city or call Brisbane your home, there's always plenty to do in the Queensland capital. Here's a rundown of some of our favourite places to visit.

  • Howard Smith Wharves

    If it’s been a few years since your last trip to Brisbane, Howard Smith Wharves likely won’t be on your radar. The multi-million dollar renovations underneath Brisbane’s iconic Story Bridge only took place in 2018, but it has already transformed the space into the city’s go-to dining and entertainment precinct.

    With a handful of fine-dining options, riverside bars and the city’s first CBD craft brewery, Howard Smith Wharves is the place to be in Brisbane.

  • James Street

    If you’re looking for fashionable stores and exclusive eateries, James Street in Fortitude Valley is the perfect place for you. The high-end shopping hub offers hours’ worth of dining and retail entertainment, and exciting nightlife for lovers of unique cocktails and fine dining.

  • Eat Street Northshore

    If you’re a lover of delicious street food, you definitely won’t be disappointed with Eat Street’s offerings. The open-air market precinct is made out of old shipping containers and offers a variety of cuisines from across the world with over 180 permanent stalls operating each Friday to Sunday.

    Along with awesome food options, the market itself provides great entertainment with live music. It’s a must-visit for any foodies visiting Brisbane or locals who love an exciting night of food and drink.

  • Farmers' Markets

    Brisbane has no shortage of farmers' markets to spend your weekends strolling through. Whether you love grabbing some fresh produce or delight in one of the many sweet-tooth treats on offer, you can’t pass up on visiting the Jan Power Farmers Markets in New Farm, or the Milton Markets in the city’s north side.

    Not only is it a great way to be environmentally conscious and save on plastic packaging, but you’ll also be sure to get a great deal from local farmers and feel good to be supporting local businesses.

  • New Farm Park

    If picnics are up your alley, you need to head to New Farm Park in Brisbane’s northside. The riverfront park offers wide-open spaces, plenty of wildlife and beautiful flower gardens to lounge around in. What’s even better is that it’s right next door to the Jan Power Farmers Markets – so you can grab some snacks and set up for the day under one of the many fig trees lining the park.

  • Mount Coot-tha

    Mount Coot-tha is undeniably the city’s best lookout spot. It’s a favourite for locals who love watching the sunset, picnicking on the grass, or spending an evening star gazing. The lookout offers incredible views of the city and, for those who enjoy working up a sweat, a great hiking route up the mountainside.

Average Income in Brisbane

Annual Income
$129,370 $92,029.60
Average of Brisbane Average of Australia

Cost of Living in Brisbane

Monthly Cost of Living (incl rent)
$3,391.98 $8,333.05
Average cost of living for a single person in Brisbane Average cost of living for a family of four in Brisbane
$3,251.12 $8,163.10
Average cost of living for a single person in Australia Average cost of living for a family of four in Australia
Source: Numbeo (2022)

Why you'll love dealing with Jacaranda Finance

At Jacaranda Finance, we know that sometimes life can throw the unexpected at you. That's why we're on a mission to assist hard-working Australians with fast, reliable and responsible access to finance for life's expenses when you get caught short. We're 100% online, Australian-owned and operated, and we make applying for finance simple and fast. Here are some other reasons our customers love us:
  • We've been providing finance to hardworking Australians for over 10 years. We've already helped hundreds of thousands of customers and we have thousands of positive reviews.
  • Get started with an application and be done in as little as 5-12 minutes1 or once you've started an application come back and pick up where you left off in your own time. The application time varies per customer and it might take you longer.
  • Our smart technology allows us to get back to you with a fast outcome. Most applicants get a same-day outcome once the application is completed2 during normal business hours.
  • If you accept our loan offer by signing your digital contract the funds are usually in your bank account and ready to use within 60-seconds3 if you have a New Payments Platform (NPP) enabled bank account. If you don't, your funds are usually available overnight.
  • Our friendly and respectful Australian-based customer service team are here to help you. Existing customers can log into the self-service customer portal, 24/7, 365 days per year.
  • Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan4. Simply contact our customer service team.

Don't just take our word for it

We strive to offer superior customer service - our Australian-based teams are friendly, personable and helpful and most of the time the first person you deal with can assist with your query. We’re open on Saturdays too!

Don’t believe us? Check out what scores of happy previous Jacaranda Finance customers have had to say below!

Woman under tree

Our Rates & Fees

Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.

Interest Rate
Comparison Rate
Loan Term
Repayment Cycle
Secured or
Unsecured
Establishment Fees
Monthly Fees
Risk Fee
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Unsecured
    Establishment Fees
    $13.50 - $950
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $325.50
    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% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Secured
    Establishment Fees
    $125 - $1,190
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $995
    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 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Secured or
    Unsecured
    Unsecured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $13.50 - $950
    Risk Fee
    $0 - $325.50
    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% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Secured or
    Unsecured
    Secured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $125 - $1,190
    Risk Fee
    $0 - $995
    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.
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    Brendan Lau88 - Google Review
    Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
    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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    Shaan Johari - Google Review
    Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
    Super easy and fast system, applying was seamless and money was instant!
  • Google Logo
    naomie falconer - Google Review
    naomie falconer Rated Jacaranda Finance 5 out of 5 stars
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
  • Google Logo
    Nathan Ross - Google Review
    Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
    Brilliant service and quick action during application process the best there can be when it comes to quick loans.
  • Google Logo
    Dianita Miguel - Google Review
    Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
    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.

Loan Eligibility Criteria

Am I eligible for a Loan with Jacaranda Finance? 

You must meet the following basic eligibility criteria before submitting an application:

  • Be at least 19 years of age
  • Be employed on a permanent or casual basis, with consistent income for 90 days
  • Be an Australian citizen, permanent resident or hold a temporary visa in one of our eligible visa subclasses with a fixed address.

  • Have an active email address, phone number, & online banking details in your name.
  • Be in control of your current finances and handling existing financial commitments comfortably.
You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score*.
Information you will need to provide:
  • Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
  • Employment status & details
  • Your bank statements*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.

*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.
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Frequently Asked Questions About

Brisbane Personal Loans

A personal loan is a fixed-term loan that allows you to borrow a set amount of money and repay it through regular instalments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence.

Applying is Quick & Easy

  • Apply in 5-12 minutes1
  • Submit your application by 3:00pm and get a same day outcome2.
  • If approved, funds get delivered in just 60 seconds3.

Ready to get started? Apply now.

By submitting a full application for a personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you.

How to check if you qualify for a secured personal loan?

If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.

No, checking if you qualify uses a “soft” credit check meaning it does not impact your credit score or appear on your credit file to anyone but you. We recommend checking your eligibility before applying for a loan where possible to reduce the number of applications on your credit report.

To be assessed for a loan from Jacaranda Finance, you must meet the following basic eligibility criteria:

  • Be at least 19 years of age
  • Be employed on a permanent or casual basis, with consistent income for 90 days
  • Be an Australian citizen, permanent resident or hold a temporary visa in one of our eligible visa subclasses with a fixed address.
  • Have an active email address, phone number, & online banking details in your name.
  • Be in control of your current finances and handling existing financial commitments comfortably.

If you are unsure whether you’re eligible, you can check if you qualify with no impact on your credit score*.

We offer two main products at Jacaranda Finance:

For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.

Before you apply for a loan with Jacaranda Finance, it’s important to consider that additional fees could apply. This includes set fees such as our establishment and monthly fees and possible one-off fees such as a risk fee (if applicable this fee will be applied to your balance at the start of your loan) or missed payment fee. If you have any questions about our fees please contact us at i******@j****** or give us a call at 1300 189 823.

Using our loan repayment calculator you can estimate your repayments before applying.

Missed Payment Fees

For every missed payment, a fee will be applied. This cost is added to the account balance and can be paid with the next repayment cycle. If you’re concerned you’ll miss a repayment before the next due date, please contact our customer support team as soon as possible.

You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.

Once you’ve been approved and have accepted your loan contract, we’ll automatically attempt to release the money to your account. Most customers get paid in 60 seconds3.

Need a Hand?

Our customer service team is here to help.

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. You can easily get in touch online or via the BetterCredit app. Our customer service team is available to chat six days a week, and services are available online 24/7.