Qualify in minutes*. Same day outcomes2.
Funds in 60 seconds3.
Subject to lending criteria, terms and conditions. See below for details.
Subject to lending criteria, terms and conditions. See below for details.
Right model. Right price. Low kilometres. Just one problem. Your bank said no. Don’t sweat it. At Jacaranda Finance, we can make car loans happen when the banks won't.
The important stuff:
We offer something better.
Repayment calculators can only provide estimates. By sharing a few details about yourself, you could check what you qualify for without impacting your credit score*.
In just a few minutes, see which loan products you could be eligible for, how much you could borrow, your available loan terms and estimated repayments.
Once approved and you've accepted your loan contract, most customers get paid in 60 seconds.
Apply by 3:00pm AEST with everything we need, and you could get your loan outcome that same day - simple as that.
Unsatisfied with your loan? You can return the total principal funds, including any payments made to third parties on your behalf within the 48-hour cooling-off period and cancel your loan.
It’s easy to get started...
Qualify in minutes with no impact on your credit score*
Apply by 3:00pm with everything we need, and you’ll get your loan outcome that same day2 — simple as that.
No waiting, no wondering. Just clarity and speed when you want to get behind the wheel fast. Most banks take days to respond. Thanks to our clever tech, we move in hours because your time matters.
We know you’re more than a credit score and sometimes life doesn’t fit inside a bank’s checklist.
That’s why we take a different approach. By securely reviewing your recent bank statements, we build a clearer picture of your financial situation — one that gives you a real shot at approval.
It’s a fairer way to assess, and a faster way to move forward.
Get pre-approved for your car loan and know exactly what you can spend. Shop with confidence and act fast when you find the right car. Once finalised, we can transfer funds in as little as 60 seconds3.
We’re not a bank. We’re a smarter kind of lender that looks beyond credit scores to understand your real financial health. Our clever Edge Score system uses extra data from your bank statements to see how you're managing money today - not just your past.
It’s fast, simple, and secure and it could help you get the funds you need, when you need them most. That’s what sets us apart.
Are you eligible for a Jacaranda Finance Car Loan?
You must meet the following basic eligibility criteria before submitting an application:
Yes, you may be able to get a car loan with bad credit. A low credit score, defaults or previous missed repayments don't automatically rule you out. At Jacaranda Finance, we consider your current financial situation and ability to afford repayments alongside your credit history.
A car loan is taken out for the specific purpose of buying a vehicle, and the vehicle is held as security for the loan. Because of that, Jacaranda Finance pays the funds directly to the seller rather than into your account. A personal loan is not tied to a particular purchase and the funds are paid to you.
Car loans from Jacaranda Finance range from $3,000 to $40,000 over terms of 25 to 48 months. The amount you may be offered depends on your income, expenses, existing commitments and what you can comfortably afford to repay.
Yes, with Jacaranda Finance you can apply entirely online in just a few minutes1.
Apply before 3:00pm AEST and get a same-day outcome on your application2.
A deposit is not required. Reducing the amount you need to borrow will lower your repayments and the total cost of the loan, but the assessment is based on whether the repayments on the amount you are asking for are affordable for you.
For a car loan under $10,000, comprehensive insurance is not required, although we recommend it. For a car loan of $10,000 or more, comprehensive insurance on the vehicle is required before the loan can be finalised.
Yes, you could use a car loan to purchase from a private seller. To complete the sale, we’ll require additional information such as the seller's identification and registration details, verification of their bank details, a roadworthy certificate, a signed sale agreement, photographs of the vehicle and odometer, and proof of comprehensive insurance.
Checking if you qualify has no impact on your credit score*. If you proceed to a full application, we may perform a credit check, and that enquiry is recorded on your credit file for five years.
No. No lender holding an Australian Credit Licence can guarantee approval, because responsible lending obligations require an assessment of each individual application. We may carry out a credit check if you proceed to a full application, and we weigh your credit history alongside your current circumstances rather than treating it as the only factor.
Yes. The interest rate on a Jacaranda Finance car loan is fixed for the life of the loan, so your repayment amount does not change once your contract is signed.
Yes. There are no early repayment fees on a Jacaranda Finance car loan.
Effortlessly manage your loans
