ClickCease Small Loans Test - Jacaranda Finance

Looking for a small loan?

What do you do when life throws curve balls? Sometimes you’ll have the resources to hit them out of the park. Other times you won’t know where to turn. Jacaranda’s small loans are perfect for when you need a cash pick-me-up before your next payday.

Jacaranda Finance provides personal loans ranging from $300 to $10,000. You can apply for these loans for a variety of different reasons. Whether you need small loans to cover an unusually large bill or a large personal loan for an extravagant purchase. Our online application could take you just a few minutes to complete and we could get back to you with an outcome in just 60-minutes*! Not convinced yet? Read on to find out if you’re eligible and how to apply.

Applying is easy!

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Step 1: Apply online

Choose a loan between $300 and $10,000 and complete your application in minutes

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Step 2: Get a quick decision

We'll let you know if we think we can help you on the spot when you finish your application.


Step 3: Get your cash

For most customers, we can have the cash in your bank and ready to use within 60 seconds, once your contract has been signed.

💰 Loan Calculator

Get a good car loan deal with rates starting from 10%.

How much do you need to borrow?


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Paid back over?

Our standard term is 12 months for loans under $2,000

Estimated Repayments


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ⓘ Loan Disclaimer

Loan types

At Jacaranda, we offer three types of personal loans: small, medium and large personal loans. The three types vary slightly in terms of the features they offer and the requirements needed to qualify for the loans. The table below gives a breakdown of these details.

Loan Types

💸 Small loans

Secured options:
Loan amount:
$300 to $2,000
Loan term:
12 months

💵 Medium loans

Secured options:
Loan amount:
$2100 to $4,600
Loan term:
13 to 24 months

💰Large loans

Secured options:
Loan amount:
$5,000 to $10,000
Loan term:
13 to 24 months


Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

👨‍🦰 Be over 18 years of age

🇦🇺 Be an Australian citizen or permanent resident

💸 Have received a regular income (for the last 90-days)

🏦 Have internet banking set up

📱 Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

📇 Personal details (i.e. Name, Address, DOB)

📱 Your phone number and email address

❓ The reason for your loan

🗄️ myGov details (if you receive Centrelink benefits)

🏦 Online banking and employment info


Increase chance of approval

4 Ways to improve your chances of loan approval

If you are applying for small loans in Australia and are concerned about whether or not you’ll be approved, there are ways you can increase your chances of approval. As a guide, we have noted some things down that you could look into doing:


Contact the lender first

Before you apply for a loan, it may be a good idea to contact your lender first. This way you can get a better idea on whether you’re likely to be approved or not based on your eligibility and financial circumstances. They may not be able to give you a definitive answer but every bit of info helps. They may also be able to let you know if there is any additional information you can provide to improve your chances of approval. This will help you narrow down which lenders are more likely to approve you.


Look at improving your credit scoret

Although this can take time, it’s definitely something you should be doing for future endeavours. There are several ways you can improve your credit score. Start by paying your bills on time. Then you can start to get the ball rolling on paying off your debt. Applying for too much credit creates hard inquiries on your credit report, so you shouldn’t apply for too many loans.


Provide correct information

This is super important! If you provide incorrect information, whether intentional or not, this can negatively impact your chances of approval. Make sure you clearly read and understand the questions on the application and answer them honestly and transparently.

Money Bag

Don’t apply for more money than you need

This is an easy one! Lenders will typically assess two things in your application. Firstly whether the loan repayments will be affordable for you and secondly if the loan amount is fit for its purpose. If you apply for more money than you need, this may be unaffordable and unnecessary.

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Why choose Jacaranda?

We’re glad you asked! Now that you’ve stumbled across our small loans product page, let us fill you in on a few of the reasons that make Jacaranda one of the best lenders on the market.

Responsible lenders

It’s our aim to give everyone the fair go they deserve, but we can’t just lend to anyone. Jacaranda adheres to responsible lending guidelines. This means we conduct a full assessment of every application we receive, including a credit check on eligible applicants. We do this to ensure you can manage the loan you’ve applied for. After all, we want to assist you financially, not make your worse off!

Online based service and application

With the digital world constantly evolving and expanding, the same goes for the personal loan industry. No longer will you have to print, copy or make tedious trips to the bank to apply for a loan. Jacaranda is 100% online. That means you can complete a loan application from the comfort of your own living room in a matter of minutes. If you have a smartphone you could even apply on the go, so long as you have an internet connection.

Transparent practice

We are well aware of the stigma attached to our industry and that’s why we use to honesty transparency and damn good service to prove that we are not like your typical payday lender. We’ll ensure you have all the information available to you before you commit to a loan. That include fees, interest rate, repayment amounts and frequency etc. We also don’t charge a processing fee for submitting an application and we certainly won’t charge you an early settlement fee if you decide to pay off your loan early.

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

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Need a hand? 👋

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.