Personal Loans Melbourne


I would like to borrow
$5,000
$and pay it back over
17 months
$159.53
estimated
Estimated repayments starting from
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Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.


Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.
Quick and easy cash loans in Melbourne
From the vibrant and lively city centre to the sprawling parklands, Melbourne is a city lover’s dream. It’s no wonder that millions of Aussies love to call this city home, and as an Aussie-owned and located business, we share the same passion. With so much convenience in one place, it’s important to have access to quick and easy finance when it’s needed. If you live in Melbourne and need fast cash, why not let Jacaranda Finance offer a helping hand?
- $2,500 to $15,000
- 100% Online
- Fast Outcomes
- 60-Second Transfers3
Cash Loans Online Up To $15,000
Money in your bank account and ready to use in 60-seconds once approved3
What loans does Jacaranda offer?
Car repairs
City driving can take a toll on your car. Whether you’re replacing tyres, fixing the air-con, or getting those pesky dints finally removed – a car repair loan can help get your vehicle back in tip-top shape.
Debt consolidation
If you’re struggling with multiple debts, you might want to consider debt consolidation. It can allow you to have your repayments in one easy-to-manage space, and might even help out with reducing your overall interest charges.
Emergencies
We’re not always able to have a rainy day fund to cover all bases. If an unexpected turn of events has left you short on cash, taking out an emergency loan can help reduce the financial stress while ensuring you’re able to focus on what’s important.
Home improvements
You might be preparing to sell or just wanting to spruce up some dated aspects of your home. Whether you’re renovating the kitchen, purchasing new white goods, or repainting the house, a home improvement loan can help chip in.
Car repairs
City driving can take a toll on your car. Whether you’re replacing tyres, fixing the air-con, or getting those pesky dints finally removed – a car repair loan can help get your vehicle back in tip-top shape.
Debt consolidation
If you’re struggling with multiple debts, you might want to consider debt consolidation. It can allow you to have your repayments in one easy-to-manage space, and might even help out with reducing your overall interest charges.
Emergencies
We’re not always able to have a rainy day fund to cover all bases. If an unexpected turn of events has left you short on cash, taking out an emergency loan can help reduce the financial stress while ensuring you’re able to focus on what’s important.
Home improvements
You might be preparing to sell or just wanting to spruce up some dated aspects of your home. Whether you’re renovating the kitchen, purchasing new white goods, or repainting the house, a home improvement loan can help chip in.
Wondering what to do in Melbourne?
Whether you’re a local or spending your weekend in the city, you’ll be glad to know that there’s no shortage of activities to keep you busy.
Visit the Royal Botanic Gardens
Melbourne is home to an incredible array of public gardens – the most impressive of which being the Royal Botanic Gardens, right in the heart of the city. Whether you’re planning a picnic or wanting to stroll through the beautiful gardens at your leisure, the Botanic Gardens are a great way to get some fresh air while still being in the city centre.
Queen Victoria Market
Who doesn’t love an open-air market? Queen Victoria Market is located right in the city centre, and is open weekly from Thursday to Sunday, and Tuesdays. It has a lively culture and is a gem for foodies and shoppers alike.
Visit the NGV
The National Gallery of Victoria is the country’s oldest (and most popular) art museum. It’s home to regular art exhibitions from major international names, like Van Gogh and Warhol, and will always have something showing for everyone’s fancy.
Degraves Street
Degraves Street is one of the most iconic laneways in Melbourne. It’s found between Flinders Lane and Flinders Street and offers a wide variety of eateries, quaint stores, and everything in between. If you’re a lover of shopping, architecture, or admiring a beautiful street view, you’ll enjoy spending time in Degraves Street.
Melbourne Zoo
Visiting the zoo is a favourite pastime for families, and Melbourne Zoo will be no exception. With a butterfly room, elephant trail, and pride of lions, there’s something for all ages. The Zoo even hosts high teas, and a ‘Roar ‘n’ Snore’ – which offers visitors the chance to camp overnight in the Zoo itself.
Visit the Royal Botanic Gardens
Melbourne is home to an incredible array of public gardens – the most impressive of which being the Royal Botanic Gardens, right in the heart of the city. Whether you’re planning a picnic or wanting to stroll through the beautiful gardens at your leisure, the Botanic Gardens are a great way to get some fresh air while still being in the city centre.
Queen Victoria Market
Who doesn’t love an open-air market? Queen Victoria Market is located right in the city centre, and is open weekly from Thursday to Sunday, and Tuesdays. It has a lively culture and is a gem for foodies and shoppers alike.
Visit the NGV
The National Gallery of Victoria is the country’s oldest (and most popular) art museum. It’s home to regular art exhibitions from major international names, like Van Gogh and Warhol, and will always have something showing for everyone’s fancy.
Degraves Street
Degraves Street is one of the most iconic laneways in Melbourne. It’s found between Flinders Lane and Flinders Street and offers a wide variety of eateries, quaint stores, and everything in between. If you’re a lover of shopping, architecture, or admiring a beautiful street view, you’ll enjoy spending time in Degraves Street.
Melbourne Zoo
Visiting the zoo is a favourite pastime for families, and Melbourne Zoo will be no exception. With a butterfly room, elephant trail, and pride of lions, there’s something for all ages. The Zoo even hosts high teas, and a ‘Roar ‘n’ Snore’ – which offers visitors the chance to camp overnight in the Zoo itself.
Average income in Melbourne
How much are Melbournians earning?
Annual Income |
---|
$72,500 | $63,000 |
Average of Melbourne | Average of Australia |
$72,500 Average of Melbourne |
$63,000 Average of Australia |
Source: Payscale & Australian Taxation Office (ATO)
Cost of living in Melbourne
How much are Melbournians paying to live in Melbourne?
Monthly Cost of Living |
---|
$3,657 | $6,577 |
Average cost of living for a single person in Melbourne |
Average cost of living for a family of four in Melbourne |
$3,740 | $6,700 |
Average cost of living for a single person in Australia |
Average cost of living for a family of four in Australia |
$3,657 Average cost of living for a single person in Melbourne |
$6,577 Average cost of living for a family of four in Melbourne |
$3,740 Average cost of living for a single person in Australia |
$6,700 Average cost of living for a family of four in Australia |
Source: Expatistan
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Last updated: 03/05/2022
Super easy and fast system, applying was seamless and money was instant!
Shaan Johari – GOOGLE REVIEW
Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
naomie falconer – GOOGLE REVIEW
Brilliant service and quick action during application process the best there can be when it comes to quick loans.
Nathan Ross – GOOGLE REVIEW
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.
Dianita Miguel – GOOGLE REVIEW
Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
Jim Mccullough – GOOGLE REVIEW
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.
Brendan Lau88 – GOOGLE REVIEW
Frequently Asked Questions
Applying for a quick personal loan with Jacaranda Finance is super simple. All you need to do is fill out our 100% online application form today and our team will ensure you get a fast outcome.
With Jacaranda, you can borrow anywhere from $2,500 to $15,000 with our quick personal loans. We offer both secured and unsecured loans, and flexible terms up to 24 months.
The fees and charges will vary depending on a few factors including the amount you apply for, the term of the loan, your credit rating, and the strength of your application.
Once you have completed an application, we’ll provide you with an offer. This offer will include all the details in relation to the loan including the amount, term, fees, charges, as well as terms and conditions. Submitting an application with us does not cost you anything and any offer is non-binding.
Of course! Jacaranda offers quick personal loans nationwide, so whether you’re searching for personal loans in Brisbane, personal loans in Perth, personal loans in Sydney, personal loans in Melbourne, or anywhere in between – we’ve got you covered!
We care about our clients, so we won’t penalise you for making early repayments on your loan. All you need to do is contact our customer service team or log into your client portal. So, whether you’re chipping in some extra cash or are paying the entirety off at once, we welcome you to do so.
At Jacaranda Finance, we do credit checks on the applications we receive. This is because performing a credit check is a part of every responsible lender’s application process.
However, credit checks play a small role in our decision making. Our loan products are relative to your current financial position – the better your financial position, the better your rate gets.
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 7 years and it can be supplied on demand.
There are four credit reporting bodies we may use:
Equifax Pty Ltd (Equifax)
W: www.equifax.com.au
PP: www.equifax.com.au/privacy
T: 13 8332
Experian Australia Credit Services Pty Ltd (Experian)
W: www.experian.com.au
PP: www.experian.com.au/contact-us
Illion (formerly Dunn & Bradstreet)
W: www.dnb.com.au
PP: http://dnb.com.au/privacy-policy.html
E: publicrelations@dnb.com.au
T: 1300 734 806
TaleFin Pty Ltd (Formerly Lend Guard)
W: www.lendguard.com.au/
C: www.lendguard.com.au/contact-us/
PP: https://lendguard.com.au/legal-policies/
We sure do! We’re an inclusive lender, which means we lend to people with bad credit, good credit, and no credit rating.
Our loan products are relative to your current financial position. The better your financial position, the better rate we can offer you. As an inclusive lender, we don’t rely solely on your credit score for you to qualify for one of our loans. We value numerous other pieces of information such as your ability and history of handling your current financial commitments.
If you have a bad credit rating but you consider yourself creditworthy and you want to rebuild your credit history, we encourage you to submit an application for our experienced team to consider.
At Jacaranda, we have our own loan calculator which lets you calculate your estimated repayments. While we can’t provide exact numbers but by selecting a loan amount and your desired duration and interest rate, you can see a rough estimate of what you might be paying.