Get a loan today!

Whether you need money to cover an unexpected bill, to buy your next car or if you’re planning your dream wedding,
Jacaranda Finance can help you get your hands on a loan fast and turn your financial dreams into a reality.

Our competitive rates, rapid online approvals and flexible loan features make us a top choice for Australians looking for fast online loans.

We Make Applying Easy

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible.

The types of loans available with Jacaranda Finance

Once you start your search for a loan, it won't be long until you realise there's plenty to choose from. We've outlined our loan products here:

  • Express Personal loans

    Our range of personal loans can help you reach your personal goals, whether it's a kitchen renovation, dream getaway and so much more.

  • Car loans

    In the market for your next set of wheels? Hit the road with a fast, flexible and reliable car loan from Jacaranda Finance for up to $25,000.

  • Debt consolidation loans

    Got multiple debts you need taken care of? A debt consolidation loan rolls all your debts into one manageable payment, reducing your interest bill.

  • Quick loans

    Stay on top of bills and expenses with our quick loans. Once you're approved, you could get a fast outcome on the same day during normal business hours once all information has been provided2.

  • Cash loans

    Get your hands on cash fast with our handy cash loans. We keep things simple and stress-free with minimal paperwork to help get you the financing you need.

  • Easy loans

    When you need a loan fast, there's nothing worse than long waiting periods. That's why we've made our application process easy and provided quick financing with easy personal loans.

  • 'Instant' loans

    We're one of the fastest lenders in Australia, meaning we've got your back during life's unexpected moments. While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can.

  • Online loans

    Like the idea of taking out a loan and managing your repayments entirely with an online lender? Look no further than a Jacaranda Finance online loan!

  • Same-day loans

    When there's no time to waste, the last thing you want is to be stuck waiting for loan approval. Our same-day loans could have the money in your bank account on the same day2!

  • Short-term loans

    If you're keen to pay off your loan quickly or want to consolidate some debts, our short-term loans could be the right choice. We offer loan terms up to 48 months for personal loans and 48 months for car loans.

  • Bad credit loans

    Don't let bad credit stop you from getting the loan you want. Jacaranda Finance provides responsible bad credit loans to applicants who may have been rejected at other institutions.

  • Secured and unsecured loans

    At Jacaranda Finance, we offer both secured and unsecured personal loans to suit many purposes. We also offer express secured car loans.

  • Express Personal loans

    Our range of personal loans can help you reach your personal goals, whether it's a kitchen renovation, dream getaway and so much more.

  • Car loans

    In the market for your next set of wheels? Hit the road with a fast, flexible and reliable car loan from Jacaranda Finance for up to $25,000.

  • Debt consolidation loans

    Got multiple debts you need taken care of? A debt consolidation loan rolls all your debts into one manageable payment, reducing your interest bill.

  • Quick loans

    Stay on top of bills and expenses with our quick loans. Once you're approved, you could get a fast outcome on the same day during normal business hours once all information has been provided2.

  • Cash loans

    Get your hands on cash fast with our handy cash loans. We keep things simple and stress-free with minimal paperwork to help get you the financing you need.

  • Easy loans

    When you need a loan fast, there's nothing worse than long waiting periods. That's why we've made our application process easy and provided quick financing with easy personal loans.

  • 'Instant' loans

    We're one of the fastest lenders in Australia, meaning we've got your back during life's unexpected moments. While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can.

  • Online loans

    Like the idea of taking out a loan and managing your repayments entirely with an online lender? Look no further than a Jacaranda Finance online loan!

  • Same-day loans

    When there's no time to waste, the last thing you want is to be stuck waiting for loan approval. Our same-day loans could have the money in your bank account on the same day2!

  • Short-term loans

    If you're keen to pay off your loan quickly or want to consolidate some debts, our short-term loans could be the right choice. We offer loan terms up to 48 months for personal loans and 48 months for car loans.

  • Bad credit loans

    Don't let bad credit stop you from getting the loan you want. Jacaranda Finance provides responsible bad credit loans to applicants who may have been rejected at other institutions.

  • Secured and unsecured loans

    At Jacaranda Finance, we offer both secured and unsecured personal loans to suit many purposes. We also offer express secured car loans.

Rates & Fees

Interest Rate
Comparison Rate*
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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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.

Loan FAQs

Need to know more? Here are some of our most frequently asked questions.

A loan with Jacaranda Finance is a flexible option you can use to pay for some of life's biggest expenses: planned or unexpected.

Here are some of the most common reasons our customers take out a loan:

Once you've been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money within 60 seconds.3

You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.

See also: 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.

This refers to the length of your loan and can be anywhere between 9 months - 48 months. With a car loan, our maximum loan term is 48 months.

Whether you intend to pay your loan off early or you would like to renegotiate your loan term, please contact us.

No. As our loans have a fixed interest rate, the rate you receive when you are approved is locked in for the entirety of the loan.

We're here to help

Need a hand?
Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.