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Jacaranda Finance Offer Personal Loans For Debt Consolidation

Jacaranda Finance Offer Personal Loans For Debt Consolidation

Considering consolidating your debts?          

If you’ve been on the hunt for a trusted lender who could provide a personal loan for debt consolidation, you might have just struck gold. Jacaranda Finance is a trusted name in lending. We have a track record of helping customers consolidate their debts, making life that little bit easier. Apply with Jacaranda today, and you could receive an answer within 60-minutes*. 

Jacaranda Finance looks beyond just your credit score and may even be able to assist you with a poor credit loan

Why Consolidate Your Debts?

In some situations, a personal loan to consolidate a number of debts may, in the long run, improve your credit score. It could also potentially reduce the total amount payable on your debts. Jacaranda Finance offers personal loans that you can use for debt consolidation.

Why Jacaranda Finance?

The online lender market can be saturated and overwhelming. 

At Jacaranda, we’re a lender with a difference. Our processes ensure we will not lend our applicants an amount of cash we do not reasonably believe they will be able to repay. The Jacaranda lending team can’t promise approval, but we can promise honesty and a fair go. We won’t just focus on your credit score or history. What does that mean? Well, we could even approve you for a personal loan if your credit is subpar by looking at your recent spending behaviour and getting a more accurate picture of your debt to income ratio.

We focus on getting you the cash you need when you need it. Forget filling out long, complicated forms – our application process is 100% online. We believe the less fuss, the better. Our team is focussed on providing the best customer service possible. That’s why we are always here to answer any questions or queries you might have – so, feel free to contact us.

What is a Personal Loan For Debt Consolidation?

To put it simply, a personal loan for debt consolidation is just a personal loan that could help you manage your debt. Let’s say you have four different repayments to make – a debt consolidation loan could mean these four repayments are combined into one regular payment.

Our team finds that a lot of applicants find it challenging to manage multiple payments at once. Missed payments often result in default fees. Before you know it, these can snowball and can do severe damage to both your wallet and credit score. Debt consolidation could help avoid this issue altogether.

Jacaranda Finance understands that not everyone has the time to stand in line at the bank. That’s why we have completely revolutionised the lending process. Once you have submitted your application, you could have an answer from a member of our team within 60-minutes*.

What Type Of Personal Loan For Debt Consolidation Do We Offer?

At Jacaranda, we understand that it can be tough to get on top of debt. That’s why we offer three different types of personal loans that could assist you with debt consolidation. These are small, medium and large personal loans:

Loan TypeSecured OptionsLoan amountLoan term
Small LoanUnsecured$300 to $2,00012 months
Medium LoanSecured$2,001 to $4,60013 to 24 months
Large LoanSecured$5,000 to $10,00013 to 24 months

Something To Consider…

We encourage you to research the possible costs associated with each personal loan type before applying. There could be fees associated with late or failed payments on your personal loan. It is the applicant’s responsibility to read their loan contract carefully before signing anything. The lending team at Jacaranda will always make sure the details of your contract are clear. 

At Jacaranda, we believe in complete transparency as well as responsible lending. We encourage our applicants to ask as many questions as they see necessary. If you have read your contract and have any questions, get in contact with our team. We’ll walk you through the ins and outs of your loan contract before you sign.

Who Is Eligible For A Personal Loan For Debt Consolidation in Australia?

There are several criteria we look at when determining whether someone is eligible for a debt consolidation loan At Jacaranda, we like to keep the application criteria as straightforward as possible. So, before applying, just make sure:

  • You have an active mobile number and email address;
  • You are over the age of 18;
  • A regular income has been deposited into your personal bank account for the last three months;
  • You have internet banking set up;

If you meet these criteria, then you could apply for a personal loan for debt consolidation right now! All you need to do is scroll up and use our loan calculator to get started. You could have the cash in your account a lot sooner than you think. So, what are you waiting for? Don’t let debt hold you back.

Change to H3: What Documents Will I Need To Apply?

We’ve designed our online application form to be as streamlined as possible. However, if you have this info with you, you’ll breeze through it even quicker:

  • Personal information (name, D.O.B etc.);
  • Your internet banking details;
  • All applicants will need to provide the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink benefits);
  • Your employment details and employer contact info;

Why Does Jacaranda Need Your Online Banking Details?

You might be wondering why we need your online banking information. At Jacaranda, we take a closer look at your current financial situation. As the information on your credit file can stay active for up to seven years, we like to take into account recent financial data – such as read-only copies of your bank statements –  and spending patterns to get a more up-to-date picture. 

We may still need to conduct a credit check; however, we that won’t be the only thing our lending team takes into consideration. When you apply for a personal loan with Jacaranda, you can be guaranteed a fair go.

Why Do We Need Your Employment Information?

Our team takes a look at the whole picture. We use employment checks as a way of confirming regular income. As we don’t like to base our assessment entirely off your credit score, an employment check could help your application. There is no need to stress; our team is experienced in conducting these types of routine checks.

We will never disclose any of your private information to your employer, including the reason you are applying for a loan. However, if you do have any questions, we encourage you to get in contact.

Personal Loan Interest Rates For Debt Consolidation

Wondering what your personal loan interest rate for debt consolidation could be? Scroll up to the top of the page and use our loan calculator to find out what the repayments could be on your desired loan amount.

At Jacaranda, we can not provide interest-free loans; however, we can guarantee you a fair rate on a personal loan. If you’re looking at personal loan interest rates for debt consolidation we encourage you to submit an application and let our team find you a loan product to suit your circumstances.

How Can I Apply?

Applying online is simple. So, here’s how to get started…

Step 1

Scroll up and use the loan calculator to select a loan amount and repayment period of your choice. You will then be shown what the weekly, fortnightly and monthly repayments could be on this loan amount. When you are happy, select ‘apply now’.

Step 2

‘Apply Now’ will direct you straight to our 100% online application form. Once you’ve submitted the form, our team will start the assessment process. We could even have an answer for you within 60-minutes. If you apply outside regular AEST business hours, we’ll get to it first thing on a business day morning. Talk about speedy service!

Step 3

If you’re successful, a member of our team will get back to you with an agreement. Once you have read and signed the contract, we will get the funds straight to your account. You could even have the cash on the same day*!

Give Us A Go…

So, what’s stopping you? It’s free to apply, and you can do it all from the comfort of your own home! There are no long waiting lines at the bank and no unnecessary paperwork. Just speedy, easy and 100% online personal loans that could help consolidate your debts today!

Want to know more about low-interest loans? Jacaranda has all that you need to know about small personal loans, how to tackle credit card debt and personal loan comparison.

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Last updated: 19/08/2020, 10:00am

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.