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Get Low Rate Loans For Bad Credit

Personal Loans up to $10,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

Looking for low rate personal loans with bad credit?

Looking for a lender to provide you with low rate loans for bad credit? At Jacaranda, we know that credit history can be an issue for a large number of our customers. But, it doesn’t have to be anymore.

With Jacaranda, you could get low rate loans for bad credit. Yes, we do provide loans for customers with poor credit scores. We provide a variety of different loan options designed to suit our customer’s needs. These include fast cash loans, loans for people with poor credit scores and personal loans for customers receiving Centrelink benefits. The possibilities are endless with a loan from Jacaranda. So, if you’re looking for low rate personal loans, we could find a loan product to suit you.

What We Do

Jacaranda is an online lender committed to providing customers with a fair go when it comes to low rate loans for bad credit. However, at Jacaranda, we are committed to giving all Australian’s the fair go they deserve when it comes to low rate loans for bad credit. So, whether it’s a loan to finance a new car, facilitate a home renovation, help with holiday expenses or even finance cosmetic surgery – we could provide the quick cash.

We offer loans from $300 to $10,000 and you could apply for one anytime, from anywhere. Our application is 100% online. At Jacaranda, we love the fact that we are super flexible and we think you will too. We are proud to be nationwide, which means you can even apply for a loan whilst interstate. Our team is committed to flexible, fast lending so you have the ability to apply no matter what your circumstances are. We love helping Aussies with speedy loans!

What You Need To Apply

Very little, that’s what. Due to the fact that our application process is 100% online, there are no paper forms to complete or sign. All we need from you is to fill out our online application form. In order to do so, this is what you will need…

  • A few of your personal details (name, date of birth etc.) – pretty easy right?
  • An active email and mobile phone number (just to make sure we can get in touch with you!)
  • Your internet banking details
  • The reason you are applying for a loan
  • Your MyGov details (if you are receiving Centrelink benefits)
  • Your employment status and info

If you have these details handy, it should make the application process even simpler. Most of this info is used to facilitate our routine checks as part of the application process. Jacaranda is committed to your privacy and follows a strict confidentiality code in order to ensure your information is as safe.

Who Can Apply With Jacaranda?

If you would like to apply for a loan, our only criteria are…

  • All applicants must be over the age of 18
  • Applicants must have received some type of income for the last 3 months into your own personal bank account
  • A mobile phone number and active email address that we can contact you through must be provided
  • You have internet banking set up

If you can answer yes to these criteria then you may be eligible to apply for a loan with Jacaranda Finance. We like to make things nice and simple for our customers. So, why not apply for the quick cash you need, without the hassle that can come with dealing with bigger institutions. We are 100% online making it as simple as can be for our customers.

What loans do we offer?

Loan Type Secured Options Loan amount Loan term
Small Loan Unsecured $300 to $2,000 12 months
Medium Loan Secured $2,001 to $4,600 13 to 24 months
Large Loan Secured $5,000 to $10,000 13 to 24 months

Why Choose Jacaranda For Quick Cash Loans

If you’re looking for a reliable lender to provide a quick cash loan when you need it, then you’ve come to the right place.

100% Online Application

Yes. That’s right. Our application process is 100% online making it super easy to apply for a loan whenever and wherever you are. So, no paperwork or lines at the bank. Our process is simple and doesn’t involve a whole lot of unnecessary questions. Just the basics – that’s all we need from you.

Focus On Customer Service

At Jacaranda, we are committed to quality customer service. So, we pride ourselves on our ability to connect with our customers. That’s why we encourage you to get in touch. If you have been thinking about applying for a loan but want to clarify a few things first then we are here to help. Ask away! Luckily for you, we are 100% online, this means you can get in contact with your questions whenever is convenient. We will always do our best to get back to you as soon as possible.

Our Main Focus Isn’t Credit

Jacaranda doesn’t like to dwell on the past. At Jacaranda, we prefer to focus on how you are going to pay back your loan. Our team may do an employment check just to clarify your income. However, this is just a part of the process – no need to stress. All of your details will remain confidential – even from your employer.

No Hidden Fees Or Charges

We pride ourselves on the fact that we do not enforce any hidden fees or charges. In your contract, you will see the fees and charges associated with your loan. Nothing is left to surprise. We prefer to be transparent and upfront. We encourage our customers to read through their contract and make themselves aware of the fees and charges that may be associated with late payment.

Do We Offer Low Rate Loans For Bad Credit?

The simple answer is yes. We offer loans to customers with poor credit. However, we can not promise we will not check your credit score at all. So, we may run a credit rating check as a part of the loan application process, but we can assure you that this will not be the only factor that dictates whether or not your loan is approved.

We Look To The Future

At Jacaranda, we prefer to look to the future rather than dwell on the past. So, we promise we will give you a fair chance when it comes to approval for a cash loan regardless of your credit rating. We prefer to know how you are planning on paying back the loan. After all, that is the most important part.

Can We Offer Low Rate Loans For Bad Credit On Centrelink?

Yes. We do loan money to applicants receiving Centrelink benefits. We will, however, need to look at the circumstances under which you receive the payments and what percentage of your income they make up. However, we can assure all of our applicants that they will get a fair go when it comes to low rate loans for bad credit. Apply now and you could have an answer within 60 minutes. If all goes well, you could even have the money in your account by the end of the day (this will, however, depend on your individual circumstances).

What Can I Use My Cash Loan For?

You could get a cash loan for a number of different expenses. Low rate loans for bad credit could be used for these reasons and more.

Loans For Car Repairs

When your cash is tight, there is no good time for a breakdown – car breakdown that is! A cash loan from Jacaranda could be just what you need to get you moving again. With a quick cash loan from Jacaranda, you could get up to $10,000 right now. Why not let us take care of the tricky stuff while you focus on finding the right mechanic.

Finance For Cosmetic Surgery

If you want to room in the budget for a little you-time but can’t seem to find the cash, let Jacaranda manage the finance. We could get you up to $10,000 cash to assist you in becoming the best version of yourself. If you’ve never seemed to be able to find the right time (or the money), it’s right now! Start living your best life with a simple, easy loan from Jacaranda Finance.

Cash Loans For Education

If you’re heading back to Uni or struggling whilst studying and working part-time, why not alleviate the stress with a cash loan from Jacaranda. We loan money to University students to assist in the cost of textbooks, laptops – just to name a few. If you apply for a loan with Jacaranda you could have the cash in your bank account by the end of the day. Our application process couldn’t be easier. You could even do it on your phone!

Finance For Weddings

If the wedding account has dried up quicker than you thought, why not let Jacaranda lend a hand. We understand that when you add the word ‘wedding’ everything triples in price. Don’t regret not having the dress of your dreams. Let Jacaranda take care of the cost with a quick cash loan. You could apply right now, 100% online, with our super simple application process. Why waste the experience worried about money? Make your special day something to remember with our flexible finance options.

Loans For Moving Costs

If you’re looking at relocating sometime in the near future but worried it will cost you an arm and a leg, think again. With a loan from Jacaranda Finance, you could be moving faster than you think. We even offer loans to applicants with poor credit. We could even help you with the start-up costs at your new place.

Jacaranda could provide the quick cash you need to get you started. The best part is we could help you find a loan to suit you. Our lending specialists are here to help and our application process is 100% online. All you need to do is jump on and fill out your application form. This could only take you a few minutes. The money could even be in your account by the end of the day (if everything goes to plan). So, don’t let the cost of moving get in the way of your big move. Let Jacaranda take care of the finance.

5 Clever ways to save on a wedding 

Even with the aid of a loan, weddings can get expensive. On average, the Australian wedding can cost up to $36,000. While this number can scare many people away from having their dream ceremony, there are many smart ways that can help reduce that cost. Regardless of what you use your loan on, we always encourage you to find ways to save your money. To keep your wallet happy while planning your dream ceremony, here are 5 clever ways you can save on your wedding:

  1. Avoid having your big day on a Saturday. In Australia and around the world, Saturdays tend to be the most popular day to get married. An approximate 56% of weddings take place on a Saturday in Australia. Another popular wedding day is a Sunday with an approximate 15% and Fridays with 11% of wedding taking place. While some couples wouldn’t want to celebrate their big day on a weekday, it is most definitely the cheaper option. 
  2. Alternative venue. Are you pretty flexible with where your wedding is held? WedShed is an Australian online directory of many ‘alternative’ venues. Those spaces include estates, barns, outdoor spaces, etc. Those spaces tend to be cheaper than traditional options as they aren’t commonly used for weddings. The spaces on WedShed are not only cost-effective, but they also make for very unique photos. Prices for those beautiful alternative venues can be as cheap as $500 for 200 guests! 
  3. Go op-shopping. If you’re planning on saving money on a wedding, consider checking out some op shops! You might find items such as tablecloths, cutlery, or plates that are just as beautiful as ones for hire, except much cheaper. Additionally, you will be able to sell them afterwards! 
  4. DIY Photobooth. Photo Booths can get very expensive, especially when they’re hired for weddings. Photo Booths in Australia can range up to $1,200. Consider creating your own photo booth by setting up a tripod with a box of props for guests to use. This cost will definitely be cheaper than the average Photobooth.
  5. Consider having a buffet-style feast. According to Canstar, the average cost of food, alcohol and the venue is an approximate $18,683 in Australia. This is the most expensive cost of a wedding in Australia and luckily, you’ve got cheaper alternatives that will still satisfy. For instance, rather than having a traditional plated dinner, consider saving the cost of catering by having a buffet. Not only is this cost-effective, but this option also allows the guests to construct their own plates, meaning you won’t need to worry about everyone’s preferences!

How Can I Apply

100% Online

At Jacaranda, our application process is 100% online. You won’t even have to move off the couch to fill out our super quick and super simple application form. All you will need to do to begin is select the amount you would like to borrow and the repayment period you would prefer. The loan calculator will then show you how much your repayments will be weekly, fortnightly and monthly. Hit ‘Apply’ and you’re on your way.

Application Assessment

As soon as you hit apply our team will begin processing your application. There’s nothing more you need to do. Our experienced team will take it from here. We will access your current financial situation and make sure we can provide you with a loan product that will suit your individual situation. If everything goes to plan, you could even have the money in your account by the end of the day. Our team do their very best to have an answer to you within in the first 60 minutes of application.

Cash In Your Pocket

We want to get you the cash you need as quickly as possible. This means we will do our best to have the money to you by the end of the day. However, this does depend on your individual circumstances. If we need more info from you we’ll ask. Our goal is to make the process as streamlined and drama free as possible. If your loan application is successful, we will get the cash to you as quickly as possible. No fuss, no worries just fast cash when you really need it.

So, why not give us a go! We know you won’t regret it. After all, who doesn’t need a little help sometimes? At Jacaranda, we will do our best to get you what you need, when you need it!

Want to know more? Jacaranda has the know-how when it comes to holiday loans, cosmetic surgery loans even loans for people with poor credit scores!

If you’re looking to get on top of your credit score, Tippla can help you get there!

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.