Jacaranda Finance expands loan options with higher amounts, longer terms and lower starting rates

Jacaranda Finance has expanded its personal loan and car loan options, with changes including maximum loan amounts, longer terms and lower starting rates on selected secured products.

Effective from 21 September 2026, the changes are designed to provide greater flexibility across eligible car, secured personal and unsecured personal loan applications.

Key product changes at a glance

• Higher maximums: Car loans to $40,000, secured personal loans to $30,000, unsecured personal loans to $15,000.
• Longer terms: Up to 48 months on secured products, up to 36 months on unsecured personal loans.
• Lower starting rates: On car loans and secured personal loans for eligible customers.

What's changed?

Car Loans

Our maximum car loan amount has increased from $30,000 to $40,000, with terms available up to 48 months.

For eligible customers, car loan interest rates now start from 14.95% p.a. (comparison rate 19.78% - 34.21%).

Comparison Rate Warning: the comparison rate is based on $30,000 over 60 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 Loans

Our maximum secured personal loan amount has increased from $25,000 to $30,000, while the maximum loan term has increased from 36 months to 48 months.

For eligible customers, secured personal loan interest rates now start from 14.95% p.a. (comparison rate 30.98% - 45.50%).

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.

Unsecured Personal Loans

Our maximum unsecured personal loan amount has increased from $10,000 to $15,000, with loan terms now available up to 36 months.

More flexibility starts with more options

Jacaranda Finance CEO Daniel Wessels said the changes respond to demand for a wider range of borrowing options, including the ability to borrow higher amounts where eligible.

"We've seen demand from our customers for greater flexibility, particularly when it comes to the amount they need to borrow," Mr Wessels said.

"Increasing our maximum loan amounts and extending selected loan terms gives eligible customers more options when considering their finance needs. We've also been able to reduce starting rates on our secured personal and car loans.

"We'll continue to review our products and look for practical ways to make sure the options we provide remain relevant to our customers."

These changes follow a period of recognition for Jacaranda Finance's approach to lending and innovation, Jacaranda recently secured three wins at the 2026 Finder Innovation Awards: AI Credit & Lending Innovation, People's Choice Lending Innovation and People's Choice Most Innovative Team.

Learn more about your loan options

You can explore Jacaranda Finance's current personal loan and car loan options, including applicable rats, fees, loan amounts and eligibility requirements right here on our website.

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