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
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
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.
Benefits of our Online Loans
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.
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.
Including Interest & Fees
Ready to Apply? You can get started now.
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.
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.
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!
Trusted by 1,000s
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:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $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 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
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.