*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
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:
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.
With competitive interest rates and no hidden fees, our Car Loans are designed to be fast, fair, and, above all, affordable. See the table below for a quick guide to our fees and charges, or visit our fees page for more information.
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:
A car loan is a fixed-term loan used specifically for buying a car. We pay the seller directly then you repay the amount you’ve borrowed through regular installments. Our online application process is designed to be fast and straightforward. Repayments remain consistent throughout the loan term so you can plan your budget with confidence.
Applying is Quick & Easy
Ready to get started? Click here and apply now.
With a Jacaranda Finance car loan, you can borrow up to $3,000-$30,000 and pay it back over 25 months - 48 months.
By submitting a full application for a car loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you.
How can I check if I qualify for a car loan?
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm and Jacaranda Finance will give you a same day outcome2 on your loan application. Once approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
It depends on how much you’re borrowing.
At Jacaranda Finance, if you’re looking to borrow less than $10,000, comprehensive insurance isn’t required as a condition of the loan – although we strongly recommend having appropriate cover to protect yourself and your vehicle.
If you're looking to borrow $10,000 or more, you’ll need to have comprehensive car insurance before your loan can be finalised. This is because your car is used as security for the loan, it must be protected against damage, theft, accidents or write-off. Before your loan can be finalised, you’ll need an active comprehensive insurance policy with at least $10,000 in cover. Your insurance needs to start from the day you take possession of the vehicle.
Is third-party insurance enough for a car loan?
If you’re looking to borrow less than $10,000, comprehensive car insurance is not a requirement for your loan. If you’re looking to borrow $10,000 or more, you must have comprehensive insurance, which covers damage to your own vehicle as well as other vehicles and property.
If you have any questions about what level of car insurance you require, including if you’re unsure whether your current car insurance policy meets these requirements, get in touch with our friendly customer support team.
Once you’ve been approved and have accepted your loan contract, we’ll automatically attempt to release the money to your account. Most customers get paid in 60 seconds3.
Using our loan repayment calculator you can estimate your repayments before applying.
Missed Payment Fees
For every missed payment, a fee will be applied. This cost is added to the account balance and can be paid with the next repayment cycle. If you’re concerned you’ll miss a repayment before the next due date, please contact our customer support team as soon as possible.
$3,000 - $30,000
