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Loans Australia

Loans Australia
Personal Loans up to $10,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Jacaranda Finance specialises in loans Australia; we offer personal loans and car loans.

Loans Australia are offered by Jacaranda Finance to eligible applicants looking for financial assistance. We specialise in delivering speedy loan outcomes; you could have your cash ready to use within 60 seconds of approval*. 

Looking for loans Australia?

Are you looking for a short term cash solution? Are you about to purchase a new car and looking into your finance options? Jacaranda Finance offers loans Australia for a variety of options, including personal loans and car loans. We are fast loan specialists; we deliver some of the fastest loan services available in Australia. When you search for loans Australia, Jacaranda Finance can provide you with an option to suit your needs.

What are loans Australia?

Jacaranda Finance offers fast personal loans from $300 to $10,000. These personal loans can be used to cover anything from medical expenses to a holiday with the family. We offer three types of personal loans: small loans Australia, medium loans and large loans.

Loan Type Secured Options Loan Amount Loan Term
Small loan Unsecured $300 to $2,000 12 months
Medium loan Secured $2,100 to $4,600 13 to 24 months
Large loan Secured $5,000 to $10,000 13 to 24 months

We also offer secured car loans to eligible applicants. Our car loans range from $5,000 to $35,000 and can be used to finance the purchase of a new or a used vehicle. Our car loan terms are flexible, from 1 to 4 years, and we offer competitive rates. 

What can I use my personal loan for?

If you are considering taking out a personal loan with Jacaranda Finance, your options are vast. We provide loan solutions for many of life’s inconveniences. Whether it’s a dental procedure, cosmetic consultation or a rental bond loan; we may be able to offer you a suitable finance option. If you are still unsure whether you can use a personal loan, here are some of the most common reasons our clients apply for a personal loan through Jacaranda:

  • Medical expenses
  • Consolidate multiple debts
  • White goods
  • Going on a holiday
  • Other travel costs
  • Managing multiple bills

How to apply

Applying for a loan with Jacaranda Finance is as easy as possible. ‘Simplify’ is one of our core values; we will keep things simple and straightforward so you can focus on the important things. We are one of Australia’s fastest lenders; our processing team will endeavour to get back to you within 60-minutes of submitting your personal loan application (if you apply within our business hours). We may also be able to provide you a same day loan outcome for a car loan application, though this is subject to a thorough financial assessment. On approval, we support instant transfers so you could have your money within just 60-seconds!* To apply for a loan with Jacaranda, follow these easy steps:

Step 1: Apply online

Use our loan slider to select how much you wish to borrow. Complete the rest of your application and submit it along with all of your supporting documents.

Step 2: We assess your application

Our team will begin processing your application as soon as it is received. We endeavour to deliver one-hour loan outcomes for our personal loans and same day loan outcomes for our car loans. All of our applications are assessed on an individual basis, so this may vary.

Step 3: Review and sign your contract

We will contact you to let you know whether you have been approved for your requested loan amount. Our team will send you an electronic copy of your contract for you to review and sign. All fees and charges will be clearly outlined, so we encourage you to read this document carefully. 

Step 4: Receive your money

Jacaranda Finance supports instant transfers on approval. If you are with a NPP-enabled bank, you could have your money ready to use in just 60-seconds!*


We have some basic eligibility criteria all of our applicants must meet. To ensure we can approve your loan application, read these and ensure you meet all of our criteria before you apply:

  • You are at least 18 years old
  • You have had a consistent income into your bank account for the last 90 days
  • You are an Australian citizen or have permanent residency
  • You have an email address and mobile number
  • You have internet banking set up

Supporting documents

So that our team can process your application as fast as possible, it is important that you supply all of your supporting documents. To make your application faster, it may be helpful to have these documents with you when you apply:

  • 100 points of ID
  • The reason for your loan (if you are applying for a car loan, supply the model and amount of the car you are looking to purchase)
  • Your basic personal information (full name, D.O.B., address etc.)
  • Your online banking details
  • Your myGov login (if you receive Centrelink benefits)

Bad credit loans Australia

Jacaranda Finance is an online lender. This means that we have the ability to be more lenient than traditional lenders in terms of our credit requirements. We provide bad credit loans to eligible borrowers that have the ability to manage and repay their loan, even with a bad credit score. We conduct thorough financial assessments of all of our applicants, using bank statement technology to access copies of your bank statements. We analyse aspects like your income and expenses to determine whether a loan is comfortable for you.

We must still conduct a credit check on every applicant in line with the responsible lending guidelines set by ASIC, so if you have been searching ‘no credit check loans Australia’, we cannot offer this. However, poor credit will not stop you from accessing a financial option from Jacaranda Finance, so there is no need to worry about your credit score.



How much can I borrow with a personal loan?

You can borrow any amount between $300 to $10,000. We will conduct an individual assessment to determine whether you can comfortably manage your loan repayments. Your repayment terms will depend on how much you are borrowing.

How much can I borrow to purchase a car?

We offer car loans from $5,000 to $35,000. All of our car loan options are secured loans because they exceed $2,000. We offer flexible repayment terms, for 1 to 4 years, so that you can comfortably repay your loan.

Can I take out a personal loan if I work part-time?

We offer personal loans to part-time and casual employees. We will conduct a thorough financial assessment to determine whether you can afford to take out a loan with Jacaranda Finance. If the loan is manageable for you, we may be able to provide you with a fast cash loan.

Can I access finance if I receive Centrelink benefits?

We consider most forms of Centrelink income as regular income. As long as you have been receiving your Centrelink payments for at least 90 days and meet the rest of our eligibility criteria, we may be able to provide you with a personal loan or a car loan.

What are the fees and charges?

There are a few key factors that will impact the fees and charges you will pay with your loan, mainly your financial situation and the amount you are borrowing. There are different fees and charges associated with our different loan offers. Similarly, if you have a bad credit score, you will be offered a different interest rate to someone with perfect credit. 

Alternatives to personal loans Australia

If you are looking for a fast cash solution, there are some alternative options you may wish to consider.

Credit card

Credit cards allow you to spend up to a set monthly limit. You can either repay the whole amount used on your credit card or your minimum monthly repayments. Credit cards often accompany a range of fees and charges so it is important to do your research. 

Line of credit

If you are a property owner, you may be able to access a line of credit. A line of credit, also known as a home equity loan, allows you to borrow money using the equity in your property. It functions similarly to a credit card and may also accompany other fees.

Buy now, pay later

If you are purchasing urgent items, you may be able to utilise a ‘buy now, pay later’ function. Services like ‘Afterpay’ allow you to purchase an item and repay it in smaller instalments. These services will often accompany small fees but can be good for a short term, small purchase.

Cash advance

A cash advance may be an option for you if you receive Centrelink benefits. Centrelink offers cash advances to eligible applicants that are in need of some short term, extra cash. Centrelink will pay out your benefits early for you to repay out of your future payments. A cash advance is interest-free and easily set up by Centrelink.

*If you apply within our standard business hours.

**If you have an NPP-enabled bank account.

Reviews don’t lie 🌟

Reviews current as of May, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 7.59% (12.24% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.