Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

Need money fast? Apply for a Jacaranda personal loan

When you consider the pitfalls of a payday loan, taking out a personal loan might be a safer alternative if you’re in need of quick cash. Jacaranda Finance offers fast cash loans from $2,500 to $15,000 with loan terms up to 24 months. With a simple online application form, 60-minute outcomes2, and 60-second transfers3, Jacaranda Finance is a quick and easy way to get your hands on the funds you need fast.

  • Borrow From $2,500 to $15,000
  • Quick Loan Outcomes 
  • 60-Second Transfers3
  • Fast & Simple Application
  • 100% Online

Personal Loans Online up to $15,000

Money in your bank account and ready to use in 60-seconds3 once approved.

Why choose Jacaranda for personal loans

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Our technology

Jacaranda Finance is proud to be home to one of Australia’s smartest 100% online application processes. With the power of our state-of-the-art technology, our experienced loan specialists can look at more than just your credit score to determine your ability to repay a loan.

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Our speed

The 100% online application is quick and easy to complete and 90% of applicants receive an outcome at the end of the process. The rest of our applicants typically have an outcome in 60-minutes2.

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Australian-based & family-owned

Jacaranda Finance is proudly Aussie born and bred, and our team is located right here in Australia. Our customer service reputation is founded on good old-fashioned values, which is backed by our many reviews. At the end of the day, we’re committed to giving Aussies the best loan experience possible.

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60-second payouts

To get your hands on the money you need fast, we offer 60-second transfers3 to clients who have NPP-enabled bank accounts (which is 90% of bank accounts). If your bank account isn’t NPP-enabled, that’s not to worry. You’ll receive the funds overnight on the day you’re approved.

What can I use a personal loan for? 

If you’re in need of some extra cash for unexpected expenses, car repairs, or to help you manage vet bills, a personal loan with Jacaranda Finance could have you covered. 

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – GOOGLE REVIEW

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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

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.

Brendan Lau88 – GOOGLE REVIEW
 

How do I get approved for a personal loan?

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1. Apply online

Applying for a personal loan online is as simple as 1, 2, 3! 

  • Complete the online application form
  • Get your outcome in 60-minutes2
  • If approved, receive the cash in your bank account in 60-seconds3
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2. Supporting docs

We’ll need a few things from you to process your application, so make sure you’ve got these ready to go:  basic personal info, 100 points of ID, and online banking login details.

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3. Sign your contract

We can only transfer your funds once you’ve signed your loan agreement. Once we’ve received your signed contract, you can have the money in your account in 60-seconds3.

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4. Be available

We want you to get the fastest outcome possible. So just in case we need some more information to process your application, we recommend that you remain easily contactable.

iPhone
1. Apply online

Applying for a personal loan online is as simple as 1, 2, 3! 

  • Complete the online application form
  • Get your outcome in 60-minutes2
  • If approved, receive the cash in your bank account in 60-seconds3
mail
2. Supporting docs

We’ll need a few things from you to process your application, so make sure you’ve got these ready to go:  basic personal info, 100 points of ID, and online banking login details.

applications
3. Sign your contract

We can only transfer your funds once you’ve signed your loan agreement. Once we’ve received your signed contract, you can have the money in your account in 60-seconds3.

call
4. Be available

We want you to get the fastest outcome possible. So just in case we need some more information to process your application, we recommend that you remain easily contactable.

Am I eligible for a personal loan?

Before applying for a personal loan, it’s important to check you’re eligible for one. You can ask yourself: 

  • Am I over the age of 18?
  • Do I have Australian citizenship or permanent Australian residency?
  • Have I received a regular income over the last 90-days? 
  • Do I have internet banking set up? 
  • Have I got a direct contact number and email address?

What information will I need to provide?

To apply for a personal loan online with Jacaranda, we will need your: 

  • Basic personal info (i.e. name, D.O.B and address) 
  • Contact info (i.e. email address and phone number)
  • 100 points of ID (e.g. drivers licence)
  • The reason for your loan application
  • Online banking and employment details

Frequently Asked Questions

Find out all the answers to the most common questions about our personal loans.