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Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Personal loan needed in your pocket? Look no further than Jacaranda Finance.

Personal loans with no hidden fees. Borrow up to 4,600 and get an answer today!

If you need a little cash boost to meet a sudden and unforeseen bill or expense, a personal loan could be just the ticket. We have a few tips to help you understand what personal loans are all about.

Jacaranda Finance is an online lender, specialising in making the process of applying for a loan surprisingly fast and hassle-free.We’re an online lender so you can apply for a small personal loan from the comfort of your own private space rather than having to venture out to a bank and wait in long lines, only to have to discuss your personal needs with someone listening in from behind you.

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Types of Personal Loans

Secured personal loan

A secured personal loan is a loan that is ‘secured’ by equity, such as a house or a car. At Jacaranda, we require all loans above $2000 to be secured by equity. We accept cars, boats, bikes and caravans as security. You’ll need to submit proof of ownership that clearly shows the details of the asset. We’ll also need a picture of your car, boat, caravan or bike.

Unsecured personal loan

Unsecured personal loans are typically smaller loans $2,000 or less and are not secured by equity. A lender assumes a higher risk for an unsecured personal loan, so the interest rates and fees are typically higher.

Fixed rate personal loan

A fixed rate loan refers to a fixed, agreed upon interest rate that will remain the same throughout the personal loan term.

Variable rate personal loan

The interest rates for a variable rate personal loan increase and decrease throughout the personal loan term, depending on the economy.

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How to apply for a personal loan

All you need to do is access the Jacaranda website and check that you are eligible for a loan. If in doubt, run through this list to make sure you can apply: In a nutshell you need to be over 18, an Australian citizen or permanent resident and have some form of income deposited regularly into a personal bank account. You’ll also need to make sure that you have an active email address and direct mobile number so we can let you know the outcome of your loan application.

Follow these steps for a seamless application process:

If your cash flow needs a boost to help you through some tough times,as most of us do at some time or other, don’t be afraid to check out Jacaranda’s personal loan rates. You’ll find a full breakdown of what our loans cost over here.

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Eligibility requirements for a personal loan

Taking out a personal loan with Jacaranda Finance is easy, however, there are a few minimum requirements, check them out below:


Be over 18 years of age

Receive a regular income into a personal bank account

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

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Personal Loan: Terms and Costs

Personal loans are our specialty, and our repayment process is 100% transparent, with no hidden fees or charges. Here’s a simple layout of our charges and terms:

If numbers aren’t your strong suit, check out these examples of how our personal loans work:

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Personal loans with no hidden fees. Borrow up to 4,600 and get an answer today! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much