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Jacaranda Finance offers fixed-rate personal loans that you could use to cover the cost of a rental bond.
Subject to lending criteria, terms and conditions. See below for details.
Subject to lending criteria, terms and conditions. See below for details.
A rental bond loan is a loan used to cover the rental bond when moving into a property. It may also help cover other moving expenses. Rental bond loans may be offered through government assistance programs or as personal loans from private lenders.
At Jacaranda Finance, we offer fixed rate personal loans for rental bonds from $3,000 to $30,000, with repayment options from 25 months to 48 months.
A rental bond loan could be used to cover the upfront costs of moving into a rental property, including the rental bond, rent in advance and moving expenses. If you're using a personal loan, you may also be able to cover related costs, such as furniture and essential household appliances.
Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
We offer something better.
Repayment calculators can only provide estimates. By sharing a few details about yourself, you could check what you qualify for without impacting your credit score*.
In just a few minutes, see which loan products you could be eligible for, how much you could borrow, your available loan terms and estimated repayments.
Once approved and you've accepted your loan contract, most customers get paid in 60 seconds.
Apply by 3:00pm AEST with everything we need, and you could get your loan outcome that same day - simple as that.
Unsatisfied with your loan? You can return the total principal funds, including any payments made to third parties on your behalf within the 48-hour cooling-off period and cancel your loan.
It’s easy to get started...
Borrowing is not always the right answer to a cost, and it is worth comparing before you commit to any amount. Free and independent help is available. The National Debt Helpline on 1800 007 007 offers free financial counselling. ASIC's Moneysmart explains how no interest loan schemes work for people on lower incomes. If you receive an eligible Centrelink payment, Services Australia may be able to provide an advance payment from your own future payments. And if the cost is a bill from an existing provider, asking them for a payment plan often costs nothing at all.
Am I eligible for a Loan with Jacaranda Finance?Â
You must meet the following basic eligibility criteria before submitting an application:
Our guide explains how we read your bank statements and what we are looking for. If you hold an eligible temporary visa, our personal loans for temporary residents page covers what else applies.
Meeting the criteria above does not guarantee approval or any particular amount. It is the starting point for an assessment, not the outcome of one.
Your credit history is only one part of the picture. That's why, at Jacaranda Finance, a low credit score won't stop you from qualifying for a secured personal loan or car loan6.
When you apply for a rental bond loan, Jacaranda Finance considers your current income, regular expenses, existing financial commitments and your ability to comfortably afford repayments, alongside your credit history.
Important information you should consider when applying for a personal loan to cover a rental bon.
We consider your current income, spending, existing commitments and banking information alongside your credit history. Your credit history remains part of the assessment, it isn't ignored. Your credit score is one input, but it doesn't decide your application on its own. We use our own smart AI-powered assessment to understand your credit history, whether repayments are manageable and whether the loan meets your needs. Our responsible lending page sets out the obligations we assess against, and what affects your chances of approval covers the factors that carry the most weight.
Affordability is assessed against the repayment, not the headline figure. Two people asking for the same amount can receive different outcomes, and one of them may be offered less than they asked for. That is the assessment working as it should rather than a knockback.
Credit history is one input among several. If you are asking about a larger amount with a difficult credit history behind you, our bad credit loans page sets out how the assessment works in that situation. Eligibility and responsible lending criteria still apply, and approval is not guaranteed.
If a lender advertises guaranteed approval or no credit checks at any amount, it is worth confirming they hold an Australian Credit Licence and are a member of the Australian Financial Complaints Authority before you provide any personal information. You can check a credit licence on ASIC Connect and membership on the AFCA member directory.
Jacaranda Finance holds Australian Credit Licence 456404 and is a member of AFCA.
Applying takes most people 5 to 12 minutes¹. Complete your application, including any supporting information we ask for, by 3:00pm AEST and you’ll receive a same-day outcome². If approved, sign your contract and receive your funds within 60 seconds³.
Australian Credit Licence 456404 · Regulated by ASIC · Member of the Australian Financial Complaints Authority (AFCA) · 100% Australian-owned and operated.
Back-to-back 2025 & 2026 WeMoney Award Winner - Personal Loans, Car Loans and Accessible Credit.
Jacaranda Finance is a specialist Australian lender providing fixed-rate personal loans and car loans. Jacaranda Finance is not a bank, payday lender, wage-advance provider, Buy Now Pay Later provider or loan broker. Our lending criteria are published in full on our Rates and Fees page, and our data security page sets out how your information is protected.
Award-winning lender
At Jacaranda Finance, you can get a quote with no impact on your credit score*. If you decide to proceed, we may carry out a hard credit check and this enquiry could stay on your credit file for up to five years. For more information, visit our guide to applying for a loan.
Jacaranda Finance participates in Comprehensive Credit Reporting (CCR), which means consistently making repayments on time could improve your credit score. On the other hand, missed or late payments could appear in your credit report and may result in your credit score decreasing.
A rental bond loan is a loan used to cover the bond required when renting a property. Rental bond loans may be available through government assistance programs or as personal loans from private lenders. At Jacaranda Finance, eligible customers may use a personal loan to cover rental bond costs.
Yes, you could use a Jacaranda Finance personal loan to pay your rental bond. Our personal loans could help cover upfront rental expenses, including your bond and moving costs. Eligibility is subject to our lending criteria and your ability to afford repayments.
Yes, you could be approved for a rental bond loan despite bad credit. A low credit score, defaults or previous missed repayments don't automatically rule you out. Jacaranda Finance considers your current financial situation and ability to afford repayments alongside your credit history.
Jacaranda FInance offers personal loans from $3,000 to $30,000, which could be used towards rental bond and moving expenses. The amount you could borrow depends on your income, expenses, existing financial commitments and ability to afford repayments.
Yes, a Jacaranda Finance personal loan could help cover more than just your rental bond. Depending on your circumstances, you may be able to use the funds for removalists, moving expenses or new furniture and appliances.
Apply by 3:00pm AEST and get a same-day outcome2 on your application. Funds in 60 seconds3 if approved.
At Jacaranda Finance, we offer fixed-rate secured personal loans, unsecured personal loans and car loans with the option to make repayments weekly, fortnightly or monthly over a period of up to 48 months.
Our personal loans can be used for a range of purposes from car repairs, to holidays and home improvements.
Our customer service team is available six days a week. If you have a question before you apply, during the process or after you have taken out a loan, you can reach us directly.
Effortlessly manage your loans
