Borrow up to $25,000

You can apply for varying loan amounts with Jacaranda, depending on your needs:

• With our Express Personal Loan, you can borrow between $3,000 and $25,000. 
• With our Car Loan, you can borrow between $10,000 and $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 loans, visit our rates and fees page.

Visit our rates and fees page to get an idea of the costs associated with our loan products.

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, loan amount, and loan term for which you qualify.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. 

Your repayments will vary depending on several factors, such as the amount you borrow, your loan term, interest rate, and more.

If you're approved, the loan contract will include all of the loan details, including the repayments, terms, interest rate, and fees, for you to review before signing.

Use our loan repayment estimate calculator to get a guide on what your repayments could be based on some of these factors. Visit our rates and fees page to get an idea of the rates, fees, and charges associated with our loan products.

It's possible to receive a loan offer from us if you have less-than-perfect credit, as we believe a credit score doesn’t tell someone’s whole financial story.

We offer fast and reliable personal loans for applicants with varying credit histories. If you're in a good financial position and handling your existing financial commitments comfortably, check if you're eligible and submit an application.

We accept a wider range of credit histories than banks or prime lenders. But we do not recommend submitting an application if you're currently or recently bankrupt (you must be three years discharged and in control of your finances) or if you are not comfortably repaying your existing financial obligations.

No. As a responsible lending body, Jacaranda Finance is required to complete a credit check on all applications. Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.

If you don't meet our initial criteria, your credit score won't be affected.

Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.

We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.

Other lenders will be able to see that you applied for a loan with Jacaranda.

This might impact your credit score.

You do not qualify to apply if your sole source of income is Centrelink benefits.

We require the majority of your income to be paid by an employer. The income must be paid into your bank account on a consistent and regular basis. There may be scenarios where we need to conduct an employment check.

Check if you qualify without impacting your credit score.