Online Loans

Want a loan that can be applied for completely online?
Jacaranda Finance offers a range of loan products that can be applied for 100% on your mobile or PC.
There is no need to go down to a branch or print out documents when you apply for a loan with Jacaranda Finance

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Online Loans from $2,100 to $25,000
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Same-Day Approval2
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9-48 month terms

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'

Want a loan that can be applied for completely online?
Jacaranda Finance offers a range of loan products that can be applied for 100% on your mobile or PC.
There is no need to go down to a branch or print out documents when you apply for a loan with Jacaranda Finance

Decorative graphic of a Coin
Online Loans from $2,100 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
9-48 month terms
1.

What is an Online Loan?

Here at Jacaranda, we pride ourselves on being a 100% online lender. This means that you can apply for one of our products completely online. There's no need to go down a branch or print out any documents. You apply online, and if approved, sign a digital loan contract. We'll then transfer you the cash within 60 seconds3.

Our digital experience is second to none. We are always working hard to make your user experience the best it can be, and if we can find a way to make it easier for you, we will.

2.

Benefits of our Online Loans

  • Fast and easy applications

    Because we prioritise your online experience, our application form has been built to make applying for a loan as easy as possible. It’s 100% online and built with a mobile-first approach.

  • Apply with our mobile app

    Our customers told us we needed a mobile app and we listened. By downloading our FastMoney App on the Apple or Google app store, you can apply for your loan and manage it securely from the palm of your hand.

  • Paper-free

    Everything we need can be done online: there’s no need for a printer because our loan assessment process allows you to upload everything online either through your mobile or pc.

  • Same-day outcomes

    Our online application and document upload process allows us to get to an outcome as quickly as possible. If you apply with us and we get all the required information from you by 3:00 pm, we could give you a same-day outcome.

  • Fast and easy applications

    Because we prioritise your online experience, our application form has been built to make applying for a loan as easy as possible. It’s 100% online and built with a mobile-first approach.

  • Apply with our mobile app

    Our customers told us we needed a mobile app and we listened. By downloading our FastMoney App on the Apple or Google app store, you can apply for your loan and manage it securely from the palm of your hand.

  • Paper-free

    Everything we need can be done online: there’s no need for a printer because our loan assessment process allows you to upload everything online either through your mobile or pc.

  • Same-day outcomes

    Our online application and document upload process allows us to get to an outcome as quickly as possible. If you apply with us and we get all the required information from you by 3:00 pm, we could give you a same-day outcome.

3.

Our Online Loan Application Process

Our online loan application which can be done completely on your mobile has been optimised to deliver you with a loan outcome as fast as possible . When you complete your online application we’ll reach out for any additional information which you can upload quickly and securely.

4.

Estimate Your Loan Repayments

Want to get a better understanding of what your online loan repayments could be before you apply? Use our loan repayment calculator and get an estimate.

Ready to Apply? You can get started now.

1. I'd like to borrow: $8,500
Please consider: loans above $15,000 and terms above 36 months, require security in the form of a registered motor vehicle you own.

Ready to Apply? You can get started now.

5.

Online Loan Cost Breakdown

Jacaranda’s online loans are designed to be fast, fair, and, above all, affordable, with no hidden fees.See the table below for a quick guide to our fees and charges, or visit our fees page for more information on our loans.

Interest Rate
Comparison Rate*
Show the What does it mean? modal
Loan Term
Repayment Cycle
Secured or Unsecured
Show the What does it mean? modal
Establishment Fees
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Cash Boost
    $2,100 - $4,600
    Interest Rate
    47.80%
    Comparison Rate*
    Show the About Comparison Rate* modal
    66.07%
    Loan Term
    9 - 18 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured & Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $400 Flat Fee
    Monthly Fees
    Show the About Monthly Fees modal
    $0
    Risk Fee
    Show the About Risk Fee modal
    $0
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $2,500 over 24 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 Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 24.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 39.63%
    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.
6.

Loan Eligibility Criteria

  • Be at least 19 years of age
  • Be employed on a permanent or casual basis, with consistent income for 90 days
  • Be an Australian citizen or permanent resident with a fixed address.
  • Have an active email address, phone number, & online banking details in your name.
  • Be in control of your current finances and handling existing financial commitments comfortably.

Information you will need to provide:

  • Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
  • Employment status & details
  • Your bank statements*

*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.

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Available now

It’s Quicker With the FastMoney App

  • Easily apply for and manage your loan in-app
  • Make extra repayments, check your balance & more
  • Easy access to our customer service team
  • Check your credit score
    New!
7.

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
Show the About Reviews modal About Reviews
  • It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to - See More
    It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much. - See Less
  • Super easy and fast system, applying was seamless and money was instant!
    Super easy and fast system, applying was seamless and money was instant! - See Less
  • Fast, reliable service had money in acc same day
    Fast, reliable service had money in acc same day - See Less
  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
  • Brilliant service and quick action during application process the best there can be when it comes to quick loans.
    Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
  • Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. - See More
    Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! - See Less
  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More
    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
  • Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and - See More
    Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you. - See Less
  • Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up - See More
    Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. - See Less
8.

Online Loan FAQs

Find out the answers to some of our most frequently asked questions here about our online loans.

Jacaranda offers three loan products with varying loan amounts that you could borrow:

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.

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.

Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.

Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.

After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2

Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3

Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.

Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.

Download the app on the Google or Apple store today.

Read more: Personal Loan Repayments 101.

We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:

  • Monday - Thursday: 8.00 am - 5.00 pm
  • Friday: 8.00 am - 4.00 pm
  • Saturday: 8.00 am - 12.00 pm
  • Sunday: Office Closed

See also: Jacaranda Weekend Loans.

The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria and the loan product, loan amount and loan term you qualify for.

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.

Our online loans establishment fee is a flat rate starting from $400. An establishment fee (otherwise known as an application fee) is a one-off fee that a lender charges for submitting an application. This charge covers the labour costs involved in assessing an application.

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

9.

What else can I get an online loan for?

Done in 5-12 minutes1