Discover Jacaranda Finance



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$300 $4600
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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Money lenders and quick cash loans - the all-you-need-to-know guide.

Need to borrow money fast but don’t know who to borrow from? Find out what you need to know about getting loans with money lenders online

Making the decision to borrow money is a big one! It’s often one that shouldn’t be taken lightly since it can be a significant financial commitment. The first part of the decision-making process, and perhaps the biggest decision to be made, is choosing who to borrow from. There are many money lenders out there so choosing which one to go with can be a difficult decision to make. If you need to borrow a short-term money loan, we’re here to help you decide who to borrow from so you can choose a lender with confidence.

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What are money lenders?

Money lenders is a term that refers to groups or individuals who lend money to a borrower like you. They often come in the form of a financial institution such as a bank or other specialist lender. The money is then repaid by the borrower at an agreed upon interest rate for a predetermined period. With Jacaranda Finance, you can borrow up to $4,600 and repay it over 12 to 24 months.

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Where can you find money lenders in Australia?

Traditionally the only place you used to be able to find a money lender was at a bank. That meant you had to physically turn up to the bank and make an application to borrow money. These days, you can find money lenders online and get quick easy loans online.

For instance, Jacaranda finance is a money lender that is completely online. Although we still have an office and a team of loan experts who you can contact in case you need any help with your cash loan. However, the whole loan application process happens entirely online.

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What to look for when choosing money lenders

There are so many different types of lenders out there that it can be hard to decide which one to go with. Money lenders offer different services which may or may not be suitable for your situation. Therefore it’s a good idea to take a look at what your lender offers to help you decide who you want to borrow from. Here is a checklist of things you might want to consider when choosing a lender:

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Things to watch out for when choosing a lender!

While there are many reliable and trustworthy lenders out there, you may, unfortunately, come across some untrustworthy lenders who do not have your best interest at heart. Here is a list of things to be aware of (and perhaps signs to steer clear) when deciding who to borrow from.

If you are offered an amount that is more than you need – lenders who don’t have your best interest at heart won’t take the necessary precautions of doing a thorough check of your financial situation to ensure you can afford the loan. If they offer you more than you know you can afford, this a lender to steer clear from.

They aren’t upfront about their fees and charges – if the lender is vague in any way about their fees or loan terms, this is a warning signal. It may mean they are hiding something, which could result in you being sprung with surprising costs throughout the duration of your loan contract.

They email you from an illegitimate email address – if you are contacted from an address that is illegitimate this is a sign of a dodgy lender or potential scam. If they email you from a generic email address such as Gmail or Hotmail, rather than a legitimate business email this is a warning sign to steer clear from this lender. You’ll want to also check that they have an ABN and Australian Credit License.

You are asked to pay upfront fees before you receive the loan – this is another warning sign! Any lenders asking for payment before you receive your loan is a sign of a lender who is potentially trying to steal money from you.

Check they are registered on the ASIC professional register – if you are concerned about the legitimacy of a lender, you can always look them up on ASIC’s professional register.

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Why should you choose Jacaranda over other money lenders?

When choosing which money lenders to borrow from the above list is a good place to start. Though when it comes to Jacaranda, our customers choose to borrow from us for several reasons. Here’s a list of why we are one of the top private money lenders online:

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What sort of money lender is Jacaranda Finance?

Jacaranda is an example of a private money lender that offers both secured and unsecured personal loans. We are one of the small money lenders that offer loans online. That means that everything from our application and approval process, to the repayment system, is done 100% electronically. That being said, we have a physical office and you can still contact our team of helpful loan experts throughout the duration of your loan term.

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How much can you borrow with Jacaranda Finance?

Borrowing money from Jacaranda Finance can happen in two different ways. You can either apply for small personal loans from $300 to $2000 which can be repaid over 12 months, or a medium secured personal loans from $2100 to $4600 which can be repaid over 13 – 24 months.

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What do Jacaranda personal loans cost?

The costs vary slightly between the two different loan types. The costs of small personal loans include an establishment fee of 20% as well as additional fees of 4% per month. With medium secured personal loans there is an establishment fee of $400 plus annual fees of 48%.

There are also additional penalty fees of $35 per missed payment – so make sure you always have cash in your account when your direct debits come off.

To give you a more accurate idea of what our loans cost, check out our loan calculator. In addition, if you would like to learn more about the fees and charges for these types of loans visit the Moneysmart website.

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What are the eligibility requirements to apply for Jacaranda loans?

To be eligible to get a loan with Jacaranda, you must meet the following requirements:


Be over 18 years of age

Receive a regular income into a personal bank account

Receive at least $400 per week or $800 per fortnight income

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

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How do you apply for Jacaranda personal loans?

To get Jacaranda personal loans you simply need to fill out our easy application form. It only takes a few minutes to complete – as little as 4 minutes! Once you’ve applied just sit back and relax and we’ll get back to you with an outcome on your application in under an hour.

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What do I need in order to apply for a loan?

Along with meeting the eligibility requirements for a loan, you’ll also need to ensure you have the following things handy to successfully complete your application:

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How do I repay my loan?

After you’ve applied for your loan and your repayments have been set up, the next part of the process is repaying your loan. The way we set up payments is via direct debit. That means that your payments come out of your account automatically, without you having to worry about making your repayments on time. If, however, you know that you will not be able to make a payment for whatever reason, just give us a call as soon as possible so that we come to an arrangement that works for both parties.

Now that you know a bit more about money lenders, you should feel more confident about making the decision to borrow money. Money lenders come in all shapes and forms, so it’s a good idea to do some research and figure out which one suits your needs best.

If you know you would like the flexibility of being able to repay your loan early, have transparent fees and a simple application process, Jacaranda might be the perfect money lender for you. So, are you ready to get a loan?

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Need to borrow money fast but don’t know who to borrow from? Find out what you need to know about getting loans with money lenders online Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much