FlexiCredit
New
Personal Loans Canberra
Borrow $3,000 to $25,000
Same-Day Approval2
25-48 month terms
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'
Borrow $3,000 to $25,000
Same-Day Approval2
25-48 month terms
Award-winning lender
Express personal loans in Canberra
As the nation's capital, it's no surprise that Canberra is a bustling city with plenty to do and see. While the average income in the capital city is higher than the rest of Australia, so too can be the cost of living.
If you're in Canberra and are in need of a financial boost, whether for car repairs, home improvements, or anything in between, look to Jacaranda Finance.
Loan Details
Loan Amounts:
$3,000 to $25,000
Loan Terms:
25 months to 48 months
Loan Type:
![Show the About Security modal]()
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.
THE APPLICATION PROCESS
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.
6 things to do in Canberra
Wether it's exploring the abundance of wildlife on offer, there's no shortage of things to do in the nation's capital. If you're taking a day trip, a long holiday, or are a local yourself, check out our list of what to get up to in Canberra.
National Gallery of Australia
Home to the largest collection of Aboriginal and Torres Strait Islander art in the world, the National Gallery of Australia is a must-visit. Their collection also includes contemporary artworks by Yayoi Kusama as well as the classics by Van Gogh and Rembrandt. Be sure to check out the Sculpture Garden against the backdrop of Lake Burley Griffin.
Australian War Memorial
One of the top attractions in Canberra, the Australian War Memorial commemorates the sacrifice of Australians who have died in war, as well as those who continue to serve. Here, you can explore the Commemorative Courtyard and place a poppy on the Roll of Honour to pay your respects.Â
Hot Air Balloon Ride
Soak up the views of the Canberra skyline with a hot air balloon ride. We recommend checking out the award-winning Balloon Aloft for the ultimate experience – at the end of each flight, they celebrate with champagne at the Hyatt Hotel.
Questacon
Bustling with interactive exhibits and shows, Questacon — The National Science and Technology Centre — is a hit with kids and science enthusiasts alike. Highlights include experiencing the sensation of an earthquake, a mechanical humanoid, and a 20-foot slide to free-fall down through.
Australian Parliament House
Get a glimpse of democracy in action with a visit to the Australian Parliament House. Alongside guided tours and a viewing of Question Time, you can also explore the building's historical treasures and contemporary artworks.
Tidbinbilla Nature Reserve
Don't miss the chance to spot native Aussie animals at the Tidbinbilla Nature Reserve, a 40-minute drive from the city. There's walking trails, ranger-guided activities, and a sanctuary of ponds and weirs to explore. If you want to stay longer, you can book accommodation at one of the historic homesteads.
Average income in Canberra
|
Annual Income |
|
|---|---|
|
$128,885 |
$92,029.60 |
|
Average of Canberra |
Average of Australia |
Cost of living in Canberra
|
Monthly Cost of Living (incl rent) |
|
|---|---|
|
$3,249.72 |
$8,050.54 |
|
Average cost of living for a single person in Canberra |
Average cost of living for a family of four in Canberra |
|
$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:Â Numbeo (2022)
Why you'll love dealing with Jacaranda
At Jacaranda, 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 nearly 10 years. We've already helped over 50,000 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 loan. 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 customers have had to say below!
Rates & Fees
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*
-
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.
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.
Am I eligible for a Jacaranda loan?
The basic eligibility criteria you must meet before submitting an application:- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
Canberra Personal Loan FAQs
Want to learn more about our personal loans and how they work? Find out all the answers to our most common questions here.
Jacaranda Finance is a 100% online lender, meaning we offer loans Australia-wide. Whether you're searching for personal loans in Brisbane, Perth, Melbourne, or anywhere in between, you can apply for a fast online loan with us today.
You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $3,000 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.
Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.
If you don't meet our initial criteria, your credit score won't be affected.
Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.
We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.
Other lenders will be able to see that you applied for a loan with Jacaranda.
This might impact your credit score.
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.
You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:
- Monday - Thursday: 8.00 am - 5.00 pm
- Friday: 8.00 am - 4.00 pm
- Saturday: 8.00 am - 12.00 pm
- Sunday: Office Closed
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.
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.
Simply call our customer service team to cancel your loan and organise the return of any money paid (including to other parties).
A loan with Jacaranda Finance is a flexible option you can use to pay for some of life's biggest expenses: planned or unexpected.
Here are some of the most common reasons our customers take out a loan:
We're here to help
Need a hand?
Our customer service team are 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. At Jacaranda, you speak to a real human being every time.
