Exclusive ClearScore Offer | $100 Cashback!

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Personal Loans up to $25,000
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Check if you qualify without impacting your credit score
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All customers get access to check your credit score

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'

Decorative graphic of a Coin
Personal Loans up to $25,000
Decorative graphic of a Check
Check if you qualify without impacting your credit score
Decorative graphic of a GraphAscend
All customers get access to check your credit score

Jacaranda Loan Details

To get an idea of what rates, fees and charges are associated with our other loan products, visit our rates and fees page.

Interest Rate
Comparison Rate
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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Monthly Fees
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Risk Fee
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Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $140 to $995
    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.
  • Secured
    Personal Loan
    $5,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    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.
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.
Who are we

About Jacaranda

We're an Australian-owned, operated, fully-online digital lender providing fast and flexible loans to mainstream Australians. Our mission is to give everyday working Aussies such as yourself access to credit for life's key expenses.

Click here to learn more about what makes Jacaranda great!

Our #1 Goal? To make life easier!

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Years Helping People
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.

UNLOCK THE NEW FINANCIAL YOU

Boost Your Credit Score With Jacaranda

Check your eligibility

Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!

Comprehensive Credit Reporting (CCR)

Making all your repayments to us on time could steadily improve your credit score and positively impact your ability to get credit in the future.

Some's credit score improving thanks to our CCR

Check your Credit Score
New!

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 the FastMoney 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.

Learn more about Credit Score Check

Exclusive ClearScore Offer: $100 Cashback When Approved*

*This offer is only available for ClearScore customers who apply through a dedicated application link. Apply for your loan through ClearScore between the dates of 01/03/2024 → 31/05/2024. Accept and sign your loan contract by 30/06/2024.

Once signed, we will transfer $100 to the bank account specified in your loan contract within 30 business days.


*Cashback offer: Terms and conditions

  1. This Cashback Offer (“Cashback Offer”) is provided by Jacaranda Finance Pty Ltd ABN 53 162 078 195 Australian Credit Licence 456 404
  2. This Cashback Offer commences on 1 March 2024 and closes on 31 May 2024 (“Offer Period”).
  3. Any payment made in accordance with this Cashback Offer will not be made in cash (i.e. notes and/or coins) or by cheque. If you are eligible to receive a payment, it will be credited into the primary bank account that you have provided in the same name(s) as the loan(s) that qualified for the Cashback Offer (if you have one), or alternatively to any other deposit account with an Australian financial institution that you nominate (provided that the account must be in the same name(s) as the loan that qualified for the Cashback Offer). The payment will be credited within 30 days of the settlement date for the eligible loan(s). 
  4. Any person who participates in the Cashback Offer acknowledges it is made subject to these terms and conditions and will be deemed to have accepted these terms and conditions.

Eligibility for the Cashback Offer

A loan application will be eligible for the Cashback Offer if:

  1. The borrower(s) are Australian residents, 19 years and over;
  2. The loan application is received by Jacaranda Finance during the Offer Period, and the loan is approved and the contract accepted by 30 June 2024;
  3. The application for the loan must be made through the ClearScore website, ClearScore Mobile App or solus EDM that is distributed by ClearScore and approved by Jacaranda Finance

The Cashback Offer

If a loan application is eligible for the Cashback Offer, Jacaranda Finance will credit the borrower (“Cashback Payment”) with $100.

Changes to this Cashback Offer

Jacaranda Finance reserves the right to, at any time, extend the Cashback Offer or otherwise vary these terms and conditions provided that Jacaranda Finance will not make any variation that would materially impact the circumstances in which the Cashback Offer will be paid or on how it will be paid, during the Offer Period.

Other information about the Cashback Offer

  1. Loans that qualify for a Cashback Payment are ineligible for any other Jacaranda Finance promotional offers.
  2. A borrower’s loan application received during the Offer Period will be subject to Jacaranda Finance’s normal credit assessment and approval processes.
  3. Fees and charges apply to Jacaranda Finance loans to which this Cashback Offer applies. Refer to our website for further details.
  4. These terms and conditions do not form part of your Loan Agreement.
  5. The borrower cannot transfer or assign their right to the Cashback Offer to any other person.
  6. Jacaranda Finance accepts no responsibility for any tax implications that may arise from the Cashback Payment. The borrower should seek their own independent financial advice in this regard.

Contact Details

  1. If you have any enquiries or concerns about the cashback offer, please email us at hello@jacarandafinance.com.au, call us at 1300 189 823 or visit www.jacarandafinance.com.au/contact-us/ to send us a message.

Personal Loan FAQs - Jacaranda Finance

Need more information about our Personal Loans and how they work? Read some of our most frequently asked questions here, or visit our FAQs page.

You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 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.
The loan terms available on our Express Personal Loan range from 24 months up to 48 months. 

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 loan products, visit our rates and fees page.
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

We only offer fixed-rate loans. See our guide to fixed vs. variable interest rates to learn the differences between the two.

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.
We offer secured and unsecured loan products. See our article on secured vs unsecured loans to learn the differences between the two.
Yes, there are a number of ways that you can make additional repayments on your Express Personal Loan at no additional cost. Log into the FastMoney mobile app or customer portal and choose from a range of options such as debit card payment, bank transfer or direct debit.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.

Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.

We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.

There are four credit reporting bodies that we may use to conduct a credit check:

  • Equifax
  • Experian
  • illion
  • Talefin
Review our Privacy Policy for more information.

We only accept loan applications online via our online application form on our website or FastMoney app. We're 100% online, so there are no other ways to submit an application. You can apply in as little as 5-12 minutes1.

If you're considering applying for a loan with Jacaranda, you can first check if you qualify using our QualifyCheck technology, which does not affect your credit score.

For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day you apply during normal business hours, provided you apply before 3 pm AEST.

If you pass the credit assessment and we can assist you, we'll send a loan offer for you to review.

We do not guarantee same-day outcomes for all customers. Customers who apply outside of business hours, customers who apply after 3 pm during normal business hours or customers who are required to provide additional information may experience a longer timeframe.