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Express local loans
Personal Loans Perth
- Fast applications
- Borrow from $2,100 to $25,000
- 100% online
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
I'd like to borrow
Over the term of
You can now check your eligibility,
with no impact on your Credit Score!
2,660+ Reviews
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
View all our awards
Award-winning lender
Express personal loans in Perth
Nicknamed the City of Light, Perth is a westernmost gem many Australians call home. The hustle and bustle of inner-city Perth calls for convenient and quick options.
If you're searching for express personal finance, look no further than Jacaranda Finance. Our 100% online personal loans could be the financial boost you need.
-
Fast response and quick service. Life savers
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Perth Loan Details
| Loan Amounts: | $2,100 to $25,000 |
|---|---|
| Loan Terms: | 9 months to 48 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. |
This is not an offer for credit. The amount you can borrow as well as the rate you receive may vary once you complete an application and all relevant details are captured and verified. Credit criteria and terms and conditions apply. Example tables and calculators 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.
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
What to get up to in Perth
Whether you're a local or just passing through, Perth has something for everyone. From its amazing scenery to the unique wildlife on Rottnest Island, there are always plenty of valuable ways to spend your free time.
Kings Park and Botanic Garden
Located right next to the city, Kings Park is one of the world's largest and most stunning inner city parks. What’s more, it's home to Perth's Botanic Garden which features 400 acres of protected bushland. Its location offers an amazing vantage point of Perth and throughout the park you can take in an abundance of Aboriginal and European heritage.
Swan River
Taking a cruise of Swan River is a great way to see some of Perth's must see locations. While you cruise between Perth and the Port of Fremantle, you'll have the opportunity to see the towering glass spire of the Bell Tower, the restored Swan Brewery, the famous park and many more.
The Perth Mint
If you're interested in history, the Perth Mint has plenty of interesting exhibits for you to explore. This heritage building is home to secured vaults and the original melting house, where you can see a live gold poor. While taking a tour, you'll learn of gold-digging legends and events that have shaped Western Australia’s history.
Rottnest Island
Jumping on a ferry from the city, or Fremantle, and travelling to Rottnest Island is an amazing day trip from Perth. You can spend the day cycling around the island, snorkelling, kicking back on the beach, or dining in some of the restaurants.
Rottnest Island is famously home to the world's happiest animal – the Quokka. These animals can be seen all over the island and are well known for being friendly, so much so that you could even get close enough to get a selfie!
Average income in Perth
|
Annual Income |
|
|---|---|
|
$142,548 |
$92,029.60 |
|
Average of Perth |
Average of Australia |
Cost of living in Perth
|
Monthly Cost of Living (incl rent) |
|
|---|---|
|
$3,141.05 |
$7,751.2 |
|
Average cost of living for a single person in Perth |
Average cost of living for a family of four in Perth |
|
$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!
OVER 5,000 REVIEWS
Customer Testimonials On Trusted Platforms
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Super easy and fast system, applying was seamless and money was instant! See Less
Super easy and fast system,... See More
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- S Johari - Google Review
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Fast, reliable service had money in acc same day See Less
Fast, reliable service had money... See More
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- K Perkin - Google Review
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. See Less
Jacaranda is always helpful, wonderful... See More
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- n falconer - Google Review
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Brilliant service and quick action during application process the best there can be when it comes to quick loans. See Less
Brilliant service and quick action... See More
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- N Ross - Google Review
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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 ! See Less
Jacaranda finance is definitely one... See More
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- B Pocock - Google Review
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So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced See Less
So jacaranda finance.. Were great... See More
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- N Rice - Google Review
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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. See Less
It is easy to apply... See More
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- D Miguel - Google Review
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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. See Less
Good people to work with.... See More
![google icon]()
- K Kupke - Google Review
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. See Less
Excellent service once again from... See More
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- J Mccullough - Google Review
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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. See Less
Excellent 5 STAR customer service... See More
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- B Lau88 - Google Review
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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. See Less
Jacaranda finance were amazing they... See More
![google icon]()
- R Hay - Google Review
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
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.
- 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
See all FAQs
Perth 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.
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $25,000
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 loan products, 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:
- Equifax
- Experian
- illion
- Talefin
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.
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 and the loan product, loan amount and loan term you qualify for.
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.
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. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
