Home > Need some extra money? Whatever you need money for – Jacaranda could help!
Money can give us pleasure, but it can also give us pain, especially when we don’t have enough for something we need or want. We all run short on money from time to time and sometimes it’s hard to get on top of our cash-flow problems. Well, Jacaranda Finance understands this feeling and that’s why we are the lender to help you out. We can assist everyday Aussies with the money they need, and we promise to give every applicant a fair go at getting a suitable loan product.
Jacaranda Finance is an 100% online lender that helps everyday Aussies in getting the money they need when they need it! That means no more waiting around and no more mountains of paperwork. We make the loan application process super-simple and fast, so you can get the money you need in no-time!
If you find yourself struck by an unexpected expense or a bill you can’t afford up-front – we’re here to help. We can provide you with a fast personal loan up to $10,000 and get you the emergency funding you need.
If you are not planning the money on an emergency, no worries! We could provide you with travel loans, medical loans or car repair loans if you need. It is all up to you what you want to apply for and whatever it is, Jacaranda could help you get the cash you need to make it happen. Just state the reason for your loan in the application and we’ll do our best to find you a suitable loan product
Budgeting is a smart way of gaining control over your finances, your spending and your saving. Budgeting allows us to create a plan to spend and save money and therefore make better financial decisions.
If you have found yourself struggling to stay on top of your finances or you’re living from pay check to pay check, then we have a few easy tips on how you can get back on track.
Firstly, figure out your after-tax income and budget up to 50% of your income for necessities and leave 30% of your income luxuries. Commit 20% of your income to savings and debt repayment.
In addition to gaining control over your money with budgeting, budgeting will also act as a roadmap. The budget can be used to re-route your plan and is a living document that must be updated with the changes in your life. By budgeting you’re able to align priorities it can help you find common ground for working towards major goals, like saving for a big purchase or paying off debt. Speaking of debt – when you know exactly how much you can spend and how much you can save, you’re able to set aside money to pay your debt regularly.
In addition, this may also improve your credit report. When over time you improve your credit report, you could be eligible for larger loan amounts and be debt free faster.
A budget allows you further to save money for unexpected events and your future – for example retirement, studies, hobbies, and holidays
You can build new and helpful habits with money and spending. And at the end of the day, having more control over your finances gives you more freedom and can reduce stress.
Jacaranda Finance offers loans for various different reasons. However, we have divided our loan products into three amounts:
Our small personal loans are money loans between $300 to $2,100 which you can repay over a 12-month period. These loans are unsecured, which means they don’t require collateral to secure the loan.
With our mid range lending plans, you can borrow between $2100 and $4600 that you repay over 13 – 24 months. Medium loans are mostly secured money loans and you are encouraged to attach an asset for security.
Our large loans range between $5,000 and $10,000, and can be repaid over a period between 13 and 24 months. Large loans require a vehicle to be used as security.
|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|
To find out more about our fees and charges visit our costs page.
Unsecured loans are small loans that don’t require an asset to be attached for security. An unsecured loan could be a safety net when you get knocked back by an unexpected expense, or when you need a little extra cash.
A secured loan is a method of borrowing money that requires collateral for security. In order to get a loan of this type, you must provide any type of equity, like your car, motorbike or boat. This borrowing method is less riskier for the lender which means you could borrow a larger amount of money. Additionally, you could get lower interest rates. It serves as a security for us if you become unable to repay the loan. The lender can therefore take possession of the asset to cover the cost of your loan.
The money we provide you with can be spent on whatever you like, as long as you state the reason for your loan in the application. However, we have listed a few of our popular loans for you to get an idea of what you can spend your money on:
Jacaranda Finance is committed to responsible lending practises. This means we ensure that we only lend to customers when we know they can comfortably afford our products. However, we give every applicant a fair go at getting the money they need. Additionally, we are transparent with all the fees and costs associated with our loans. All the costs will be clearly outlined in your contract before signing it.
Further, there is a penalty fee for any direct debit dishonours – so we recommend you to make sure you have enough funds in your account to make the repayments. If you’re having trouble making repayments, please get in touch with us as soon as possible – preferably 24 hours beforehand. This way we can help you out and prevent you from late payment charges.
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.