FlexiCredit
New
Personal Loans Sydney
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 Sydney
It's easy to enjoy the hustle and bustle of city life, especially in a city with as many perks as Sydney. Since Sydney is the most expensive city in Australia (and 15th in the world), residents and tourists alike demand fast and simple options. At Jacaranda Finance we provide express personal loans to people Australia-wide.
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.
What can a Sydney personal loan be used for?
No matter the reason, a Jacaranda express personal loan can cover expenses Sydney life throws at you. From last-minute trips to the dentist to urgent car repairs, take a look at what a Jacaranda Personal Loan or Sydney Cash Loan can do for you.
Travel
If you're travelling to Sydney or are saying a temporary goodbye, a holiday loan with Jacaranda could give you the funds you need to make the most of your trip.
Car repairs
Driving in high-traffic areas can really take a toll on your car. If driving is your primary mode of transportation, you'll want to ensure you've got the funds to make repairs. A quick car repair loan with Jacaranda Finance could help.
Medical & Dental Expenses
A quick trip to the dentist sounds easy enough, but what about the costs involved? A quick medical loan with Jacaranda could help ensure your health remains a top priority.
Home Improvement
Keeping your home in tip-top condition can be a costly commitment. However, it's important to have a homely living space to come back to after a busy day in the city. If you need a financial boost for some home improvements, let Jacaranda lend a hand with one of our home improvement loans.
Debt Consolidation
Keeping on top of repayments for multiple debts can be a tricky task when combined with fast moving city life. A debt consolidation loan with Jacaranda Finance could help you keep your finances in order.
Top 6 Things To Do In Sydney
Sydney Opera House
Holding the title for Australia's most iconic building, the Sydney Opera House has a lot to offer. Not only is it a great photo opportunity from the outside, but exploring the inside is like nothing else. Inside you'll find the Concert Hall, Opera and Drama Theatres, Playhouse and the Studio which host a variety of shows and events.
Sydney Harbour Bridge
Neighbouring the Opera House is the famous Sydney Harbour Bridge. If you're one for heights, the Sydney Harbour Bridge climb could be your calling. You'll experience a view of Sydney like no other while scaling the world-famous ‘Coat hanger’.
Bondi Beach
Take in all Australian beaches have to offer by visiting Sydney’s most popular beach, Bondi Beach. If you're after an Instagram-worthy snap, the Bondi Icebergs Pool offers a chance to take the perfect pic. They're considered Australia’s most photographed ocean pool so you know they're a stunning sight.
Bronte Beach
Visiting Bronte Beach is another great spot to soak in the sun while at one of Australia's most well-known beaches. If you're a less experienced swimmer and aren't confident the waves at Bronte will be your cup of tea, the Bronte Baths offer a protected saltwater pool. This way, you can take in the ocean while the waves are crashing at the walls beside you.
Darling Harbour
The Darling Harbour is a sight that simply cannot be missed. Hosting a range of events from doggy days out to classical ballet, the Darling Harbour is a beautiful and vibrant part of the city.
Taronga Zoo
Sydney's Taronga Zoo is a not-for-profit zoo that is home to 4,000 animals from koalas to elephants. What's more, Taronga Zoo hosts some of the most breathtaking views of the Sydney Harbour. So not only will you see amazing wildlife, you can also spot the Harbour Bridge and Opera House.
Average income in Sydney
|
Annual Income |
|
|---|---|
|
$138,202 |
$92,029.60 |
|
Average of Sydney |
Average of Australia |
Cost of living in Sydney
What is the average cost of living in Sydney?
|
Monthly Cost of Living (incl rent) |
|
|---|---|
|
$3,898.32 |
$10,338.75 |
|
Average cost of living for a single person in Sydney |
Average cost of living for a family of four in Sydney |
|
$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)
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
Sydney 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.
