Home > Loans Comparison Made Easy With Jacaranda. Find Out More, Today!
Loans Comparison Made Easy With Jacaranda. Find Out More, Today!
How do different loans compare?
Loans comparison rates are a helpful tool when comparing different loan products. Within seconds, borrowers are quickly able to get an idea of the total cost of a loan. So, why not see what Jacaranda has to offer?
Have you been looking for a competitive loan? Maybe you’ve been googling ‘loan comparison’ or ‘loan comparison calculator’? Jacaranda could be the lender to offer you a great rate on a personal loan.
We make our process super easy. Therefore, there are no pages upon pages of paperwork or long-winded questionnaires. Additionally, we get straight to doing our best to provide you with a great rate on a personal loan.
The best part is we are 100% online. So, that means you can apply for a personal loan wherever you are and whenever you like. So, all you need to do is scroll up to the top of the page and use the loan calculator to start the application process.
What Is A Comparison Rate?
A comparison rate is a percentage figure that helps borrowers work out the true cost of a loan. It is calculated by reducing the interest rate plus most fees and charges relating to a loan. This single number helps borrower compare loan products from different lenders.
Why Trust Jacaranda?
There are so many lenders out there promising the world. Often, online lenders look excellent on paper. So, while they may promise amazing rates on a personal loan, the reality can feel quite different.
At Jacaranda, we won’t promise you anything we cannot deliver. So, when you apply for a loan, our lending team will assess your application and do their best to match you with a loan product that is suitable for your individual circumstances.
At Jacaranda, we don’t want to lend you cash that you won’t be able to pay back. After all, our team is all about responsible lending. So, what does that mean? Well, we’ll never offer you a loan we feel you’re unable to afford.
We understand that everyone is different and every financial situation is different. Therefore, our team look at the whole picture to get a better idea of how you are actually going to pay back the loan.
Wondering what the eligibility criteria are on a personal loan with Jacaranda Finance is? Like our application process itself, we keep the eligibility criteria nice and simple. If you can meet the following you could scroll up and apply for a personal loan right now…
- All applicants must be over the age of 18;
- You must have received some type of regular income for the last 90-days into a bank account that is your own;
- All applicants must have an active mobile phone number and email address;
- You must have internet banking set up and ready to be used.
Fairly straight forward, isn’t it? If you apply during AEST business hours our team could have an answer for you within 60-minutes. Additionally, it costs nothing to apply. So, why not go ahead and see what we could do for you? You could even get have your cash in your account and ready to use in 60-seconds*!
Debt Consolidation Comparison
Have you been googling ‘debt consolidation comparison’? Are you looking to consolidate your debts? Debt consolidation could take the weight off your shoulders.
At Jacaranda, we could combine all of your small debts into one simple regular repayment. This could make life a lot easier. When multiple repayments are due on multiple different dates throughout the month it is easy for things to get out of hand… fast! Late and missed repayment fees start to snowball and before you know it, the debt seems too big to manage.
If you’re faced with an unmanageable amount of debt why not let Jacaranda consolidate it for you? Consolidating your debts through Jacaranda could end up saving you money in the long run.
Car Loans Comparison
Looking for a new car? Worried you’ll pay too much on a loan? Jacaranda could be the lender you’re looking for. If you’ve been busy Googling ‘car loans comparison’ you probably already know the online market is flooded with lenders promising the world.
Comparing interest rates on a car loan before purchasing can be a very smart choice. Borrowers should, however, also pay attention to the comparison rate as well. You could scroll up right now to look at Jacaranda’s competitive car loans comparison rate. Jacaranda provides car loans between $5,00o and $35,000.
Find out more about cheap car loans.
What Documents Will I Need To Provide?
When you apply for a personal loan with Jacaranda you’ll only need to supply the essentials. Therefore, our online application form could only take you a matter of minutes to fill out. If you want to make it even speedier then we suggest having these documents with you…
- Personal details like your online banking & employment info;
- An active email address and mobile number;
- The reason you are applying for the loan;
- Your MyGove details (if you are receiving Centrelink payments);
- Employer contact details.
Why Do We Require Online Banking Details?
Wondering why we require online banking details? There’s no need to stress, our lending team will only access read-only copies of your bank statements. We do this to get a better look at your financial circumstances.
At Jacaranda, we look at the whole picture – not just your credit score. By looking at your bank statements we are able to get an idea of your income and spending habits, as well as regular transactions into and out of your account. Our team uses the latest in safe banking technology to ensure your information is always encrypted. That means no one will be able to view your personal information or passwords.
Do We Conduct Employment Checks?
Yes. As a part of Jacaranda’s commitment to responsible lending, we do conduct employment checks. Jacaranda asks that you have a minimum of three months pay deposited into an account of your own as part of the eligibility criteria. An employment check allows us to verify that you are employed and that this is where your pay is coming from. However, there is no need to stress.
The Jacaranda lending team is highly experienced in conducting employment checks. We will never disclose any private information to your employer or the reason why you are applying for a loan. We value and respect your privacy – that is our guarantee.
Why We Are The Better Choice
There are so many online lenders to choose from, we know that. So, why should you make Jacaranda your first preference? If you’ve been trying your best to compare loans then you probably already know it can be a tricky job. Sometimes it’s safest to go with a trusted name in finance.
We are genuine and we believe transparency is the key to success. Additionally, the Jacaranda team wants to get you the cash you need quickly – we don’t want to waste time with unnecessary paperwork. So, if you’ve been searching the web and trying to compare loans, why not put your faith in a trusted lender.
You could scroll up right now and apply – the application itself is 100% free. If you apply during AEST business hours you could even have an answer within 60-minutes.
Easy steps to get your credit score back in shape fast
Are you struggling with your credit score and the process of getting it back in shape? Your credit score is a number that’s important to continuously remain aware of, especially because it’s the number that can affect your chances of taking out a loan or any form of credit. The process of improving your credit score isn’t at all a hard one, it really depends on how committed you will be. While your score won’t jump overnight, here are several easy steps to get your credit score back in shape fast:
- Pay all your bills on time. One of the most significant factors contributing to your credit score is your reliability with making payments on time. Any late or defaulted payments, regardless of what the payments are for, will immediately affect your credit score. However, while this is an issue that affects your score quickly, it also has an easy solution. Simply pay all your bills on time, every time, to eventually raise that number. If you’re struggling with remembering all your payment due dates, consider setting up automated payments. As long as you have sufficient funds in your account, automated payments will ensure all your bills are paid on time.
- Don’t make multiple applications during a short period. If you’re in a desperate need of a loan, avoid submitting multiple applications. This can significantly affect your credit score and your chances of taking out a loan in the future. This is because when you apply for a loan, a hard inquiry is created on your credit report. Too many hard inquiries will cause your credit score to drop.
- Review your credit report. Unfortunately, some of the worst factors affecting your credit score could be out of your hands. It’s recommended you review your credit report at least once every 12 months to ensure no errors are being listed. Errors can include incorrect personal information, listings, defaults, etc. Regularly reviewing your credit score can help you notice any errors and resolve them as soon as possible.
Looking For A Loan Whilst On Centrelink?
If you’ve been trying to compare loans for people on Centrelink then stop where you are! Jacaranda could provide loans for people on Centrelink. We understand that circumstances in life change. Sometimes you’re on top of your cash and everything is going to plan. However, sometimes a nasty expense can sneak up and blow the budget in one fell swoop.
That’s why Jacaranda gives all Aussies a fair go. We don’t think Centrelink should stop you from getting the cash you need quickly. So, if you’ve been googling ‘loans comparison’, ‘loan comparison calculator’ or ‘compare loans’, why not turn to the experts? Our team will assess your situation – not just the fact that you are receiving Centrelink.
Types Of Personal Loans
At Jacaranda, we can provide 3 different types of personal loans: small, medium and large personal loans. Here are some details of these loans:
|Loan Type||Secured Options||Loan amount||Loan term|
|Small Loan||Unsecured||$300 to $2,000||12 months|
|Medium Loan||Secured||$2,001 to $4,600||13 to 24 months|
|Large Loan||Secured||$5,000 to $10,000||13 to 24 months|
How Can I Apply?
Bet you’re wondering how you could apply for a personal loan with Jacaranda. Well, it’s easier than you think…
Step 1: To begin a loan application all you need to do is scroll up and use our loan calculator to select an amount and repayment period that suit you. When you hit ‘apply now’ you will be directed straight to our 100% online application form.
Step 2: Our 100% online application form could only take you a matter of minutes to complete. Once this is submitted, our team will begin the assessment process. If you apply during regular AEST business hours we could get back to you within 60-minutes.
Step 3: If your loan application is successful our team will be in touch. We will send over a contract for you to review and sign. We suggest you read through the terms of our agreement carefully. If you have any questions feel free to get in touch. Our team is always here to answer any questions you might have.
Step 4: Once we have received your signed contract, our team will transfer the money straight to your account. Access to funds will be dependent on inter-bank transfer times.
If you’ve got some burning questions you could jump onto our FAQ page or get in touch! If you’ve been thinking about an application, there is no better time than the present! Scroll up and get started today!
Want to read more? Find out how Jacaranda could provide a consumer loan, white goods loan, a small loan, debt consolidation loan, or even a personal loan for bad credit.
*Subject to NPP enabled bank accounts