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Download the Jacaranda Finance Better Credit app

We want to help everyday Australians improve their credit scores and unlock new financial opportunities.

Jacaranda Finance: We can help when the banks won’t.

What is the Better Credit app?

We are 100% devoted to improving Australians' credit scores and helping them understand how credit works. The Better Credit app makes it completely free to check your credit score and monitor its progress over time. Doing this could unlock new financial opportunities in the future!

You can use the Better Credit app whether you’re a Jacaranda Finance customer or not. If you're new to Jacaranda, you can still create an account to start tracking your credit score and take our handy Finance Fundamentals course to test your knowledge.

If you already have a loan with Jacaranda, you can use the Better Credit app to effortlessly manage your loans, track payments, access account details, and stay informed on important updates—all conveniently at your fingertips. It also gives you easy access to one of our friendly customer service team members, who
are happy to answer any questions you might have.

So what are you waiting for? Get the app today!

It's easy with Better Credit!

What can you do with the Better Credit app?


Not only can you check your credit score for free with the Better Credit app, but you can also:

  • Check your eligibility without impacting your credit score
  • Apply for a loan in just 5-12 minutes1;
  • Receive a same-day outcome2 on your application and 60-second transfers to your bank account if approved3;
  • Check your loan balance and loan contract;
  • Request loan statements;
  • Make extra repayments;
  • Request to change repayment dates and frequency (weekly, fortnightly, monthly);
  • Quickly contact our customer service team for anything you need;
Who are we

About Jacaranda

Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.

We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.

We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans.

Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.

Click here to learn more about what makes Jacaranda great!

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Years Helping People

Trusted by 1,000s

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Building Better Credit Starts Now

Been rejected by your bank? Don’t stress. We can help make loans happen when the banks won’t. We also have a range of tools and features to help you understand and improve your credit score – enhancing your chances of approval next time around.

Learn more about the Better Credit app

How It Works

Better Credit
Step 1

Download our app

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Create account
Step 2

Create an account or sign in

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Grant us access
Step 3

Grant us access

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Check score icon
Step 4

Check your credit score!

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It’s quick and easy to download the BetterCredit app and check your credit score. Simply head to the Apple or Google Play stores - linked below - and start your download.

Alternatively, you can log in right here and proceed to step 2

If you’re an existing customer with Jacaranda Finance, simply login to your account using the app or online in the customer portal.

If not, you can create an account in no time! We’ll ask you to verify your ID before you can complete this step.

Once you’re in, you should see an option to ‘Track Your Credit Score For Free’.

In the BetterCredit app or customer portal, hit ‘Track My Credit Score’ to grant us access to your credit file via an access seeker check.

Don’t worry: this is a ‘soft credit enquiry’ and won’t appear on your credit report to other lenders. It won’t affect your credit score in any way.

That’s it! You should now be able to check and monitor your credit score and its progress in the BetterCredit app dashboard.

Your score will be updated in the app on a monthly basis.

Is the Better Credit app secure?

We take your security seriously

We go above and beyond to protect your information and data in the Better Credit app.

Checking your credit score in the Better Credit app is completely safe, thanks to bank-grade security, secure logins, and 256-bit SSL data encryption.

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We Take Your Security Seriously

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Bank-grade security

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