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Need a loan? Get up to $10,000 with Jacaranda Finance

Need a loan? Get up to $10,000 with Jacaranda Finance
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

Where should you start if you need a loan?

Have you ever found yourself short of funds but needing to pay for something urgently? You may have thought, “I need a loan”. You’re not alone. Personal loans make up 3.1% of Australian household debt. In comparison, credit card debt only accounts for 1.9% of household debt. More and more, everyday Aussies are banking on small loans from trusted online lenders like Jacaranda Finance when unexpected expenses pop up! We’re here to help you through life’s hurdles. So if you’re in need of a loan, we’ve got your back. You could be eligible for small loans fast or large loans, when you really need them!

Where can I apply for a loan today?

If you need a loan today the best place to look is online. Your first thought might be your bank, however, to skip the headache of a lengthy application and submission fees, bank on Jacaranda Finance instead. We are a trusted lender with a 100% online application process you can finish in minutes. So, if you if you’re looking for a loan, there’s no need to wait, just apply with Jacaranda Finance. We can also assist applicants with less-than-perfect credit or those receiving Centrelink benefit payments.

Are you in need of a loan?

When you’re in need of a loan, the first thing to do before you apply is to check whether you meet a few basic requirements. We only have four basic requirements to meet before you can apply:

  • Must be at 18 years of age
  • An Australian citizen or permanent resident
  • Be receiving regular income, at least 90 prior to applying for your loan.
  • You need to have a valid mobile number and email address

So, if you’re looking for a personal loan fast, Jacaranda Finance is the lender for you. Apply in minutes and if approved, you could have the loan you need in 60 seconds*.

Need a small personal loan ASAP? Apply in minutes

When you’re in need of a loan today, submit an application in minutes for a smart, speedy decision, and if approved, have your loan in 60 seconds.* When you apply, you’ll simply need to provide the following supporting information:

  • The reason for you loan
  • Your contact information
  • 100 points of ID
  • Your internet banking logins to verify your financial history
  • If you receive Centrelink income we’ll need your MyGov login details to verify your Centrelink income
  • Any relevant employment details

If you are applying for medium secured loans or large secured loans, we ask that you provide us with details about the asset to secure the loan. The asset can either be a car, motorbike, boat or caravan. To make an accurate estimation of the overall value of the car, we’ll need the following information from you:

  • Make and model of the car
  • Year it was manufactured
  • Car registration number
  • Fuel transmission

Do you need a loan but keep getting declined?

If you’re looking for affordable finance and keep getting knocked back, you may be worried about your credit score, and begin googling ‘need a loan now please help.’ When you apply with Jacaranda Finance, you know you’re applying for a fair go on the loan you need, whether you have bad credit or perfect credit! We do conduct credit checks, however, our team look at more than just a number. We’ll look at the big picture, including income and expenses. We do this by using the secure financial software which allows us to look at your financial transactions over the last 90 days. So even if you know you don’t have the best credit rating, we’re not a dead end. When you need a loan, come to us, no matter your score.

Do you do loans for Centrelink customers?

Yes, we can offer loans for Centrelink customers, depending on your financial circumstances. We still conduct a responsible, routine assessment of your finances to determine whether you are eligible for a loan. Our promise as responsible lenders means we’ll never approve a loan if we believe the applicant cannot afford repayments. However, we don’t see Centrelink and immediately hit no – we assess your complete financial situation. In minutes you can apply for the loan you need today.

How much can I borrow??

With Jacaranda Finance, you can borrow a minimum of $300 up to a maximum of $10.000. We do two types of loans, which consist of a small unsecured personal loan plus medium and large secured personal loans. See the table below for details of our loan types:

TypeLoan AmountLoan Term
Small personal loan$300 to $2,00012 months
Medium personal loan$2,100 to $5,00013 to 24 months
Large personal loan$5,000 to $10,00013 to 24 months

What do your loans cost at Jacaranda Finance?

The cost structure varies depending on the loan amount you need and your financial situation. You can get a good idea of your possible loan costs when you apply using our loan repayment calculator, located at the top of each page. Our calculator will display an estimation of your payments in weekly, fortnightly and monthly instalment options.

How long does it take to apply?

It could take you a few minutes to fill out our easy online application. Then, we can get back to you with an outcome within 60 minutes. We do assess loan applications outside of traditional business hours. Take a look at our contact page for more information about our working hours.

How long does it take before I receive the loan I need?

If your loan application has been approved, your lender will send you a contract to review, sign and send back. As soon as you accept your Jacaranda Finance loan contract, you could have your loan in 60 seconds*! We have enabled instant banking so you can get your money fast, when you need it most.

What can my loan be used to pay for?

Personal loans can be used for any expense, unless it’s deemed a basic living expense , such as food or rent. You’ll be prompted to add a reason for your loan when you fill in your application.

Here is a list of some of the common reasons what a loan can be used to pay for:

What should I look out for when borrowing money?

When borrowing money, you may be stressed out, particularly if you’re dealing with a time-sensitive situation. You may find yourself googling ‘need a payday loan’. When you’re stressed and need help fast, work with a lender that has your back. To help decide if you need a personal loan, ask yourself these questions:

Can you afford the repayments?

This is the most important thing to look out for when deciding if a loan is the right solution for you. You can use a budget planner to help you plan your monthly expenses and to see if the repayments would fit in your budget.

Do you agree with the terms and conditions of the loan contract?

When you enter into a loan agreement, it is important that you agree with the terms and conditions. Make sure you understand all your responsibilities as a borrower and understand any additional fees that you may be charged if you miss repayments.

How will a loan affect my credit score?

A loan can affect your credit score in various ways. It can either have a positive impact on your credit score or it can damage your credit score. If you are consistent with making your payments on time, this can actually raise the value of your credit rating. However, if you are not consistent in making your payments on time it can damage your credit rating and further inhibit your ability to gain access to credit in the future.

Why Jacaranda Finance is the Lender for You

When you’re looking for a loan, Jacaranda Finance is the lender to bank on. This is the Jacaranda Difference.

  • 100% online

    Jacaranda Finance is in your pocket, whenever you need us. Our borrowing process is 100% online. If you need a loan, we’re only a touch or click away. Jump online, submit an application in minutes and have a smart outcome within the hour (depending on when you apply).

  • Super quick application process

    One of the benefits of our online application process is that it is much quicker. The simple application form could take just minutes to complete. Plus, we could get back to you with an outcome of your loan in an hour or less.

  • No paperwork

    Since everything is done 100% online, you won’t have to waste any time gathering messy paperwork together. Your time can be spent doing things that are more important to you.

  • A customer team that cares

    Our amazing customer service team waiting to take care of you throughout your loan application process. Any questions you have, our team will be there to look after you.

Ready to apply?

Great! Then, just submit an application in minutes, have a smart, speedy decision within the hour and if approved, your loan payment in 60 seconds*. That’s the Jacaranda Finance difference.

Why apply with Jacaranda? We give every Aussie a fair go, whether they have bad credit or receive Centrelink benefit payments. We understand that life throws curveballs, and we’re here to make life that bit easier. Our loans are online and completely hassle-free because we don’t see the point in wasting any of your valuable time. So if you need a loan today, apply with us today!

If you want to learn more about money management, head over to the MoneySmart website.

We’ve got all you need to know about quick loan approval online and cheap loans.

Looking for car loans for pensioners? look no further.

Reviews don’t lie 🌟

Reviews current as of Aug, 2020.

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.