Personal Loans Up To
$25,000
If Approved Get Paid in 60 Seconds3

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'

Need a bigger loan for some key expenses?
A Jacaranda Personal Loan has a maximum loan amount of $25,000. Thatās up to 41 times more than AfterPay!*
* The image is for comparison purposes only and is accurate as of October 2024. Jacarandaās maximum loan amount is based on our Secured Personal Loan. Afterpay is a BNPL product with a starting credit limit of around $600 for new customers. Afterpayās credit limit can be increased based on repayment history. Different products have different loan sizes, and results may vary. See each product's T&Cs for more details.
Not all banks or bank accounts are PayID enabled. To find out more information about PayID and how it works, please visit https://payid.com.au/ or contact your bank.
Loan Repayment Calculator
Before you apply for a loan, we think it's important that you review your budget and be certain that you can comfortably repay a loan. Once you know what you can afford in your budget, use our four-step loan repayment calculator to estimate your repayments before you apply.
Ready to Apply? You can get started now.
Including Interest & Fees
Trusted by 1,000s
We Make Applying Easy
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you donāt have time to waste on needless paperwork.
Thatās why our loan application process has been perfected over time to be as simple and quick as possible.
Rates & Fees
Jacarandaās Loans are designed to beĀ fast, fair, and, above all, affordable, with noĀ hidden fees. āØSee the table below for a quick guide to our fees and charges, or visit our fees page for more information.
Data security and privacy
We go above and beyond to protect your information and data in the BetterCredit app.
Through bank-grade security, secure logins and 256-bit SSL data encryption, checking your credit score in the BetterCredit app is completely safe.

Loan Eligibility Criteria
- Be at least 19 years of age
- Be employed on a permanent or casual basis, with consistent income for 90 days
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, & online banking details in your name.
- Be in control of your current finances and handling existing financial commitments comfortably.
You can check if you qualify initially if you arenāt sure whether you're eligible. This wonāt impact your credit score.
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
- Employment status & details
- Your bank statements*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.
*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.
Jacaranda Finance FAQs
Read some of our most frequently asked questions below to learn more about Jacaranda and our products.
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.Ā
- With our Car Loan, you can borrow between $10,000 and $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 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 CreditĀ 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 storeĀ 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
Visit our rates and fees page to get an idea of the costs associated with our loan products.
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.Ā
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:
Check your Credit Score FREE!
Jacaranda customers can now check their credit score for free every month. Monitor your score and know where you stand to unlock new financial opportunities in the future.
Download theĀ Better Credit app using the links below and follow the prompts to check your credit score today. This feature is currently only available to existing Jacaranda Finance customers.