Poor Credit Loans From Jacaranda – Up To $10,000. Apply Today!

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poor credit loans

Needing a loan while having poor credit, can leave you feeling like your options are limited. This can result in borrowers making poor financial decisions. So, even if you have poor credit, Jacaranda may still be able to offer you a personal loan.

Poor Credit Loans

If you’ve been searching high and low for a lender who doesn’t just focus on credit then you’ve come to the right place! Jacaranda could provide you with a poor credit loan for a variety of different expenses. We look further than just your credit score as an indicator.

We don’t believe you should be defined by your mistakes. That’s why when you apply for a poor credit loan with Jacaranda Finance, you’ll get the fair go you deserve. After all, we believe all Aussies deserve a second chance.So, stop searching… Jacaranda could provide you with a fast outcome on a personal loan application!

Who Are We?

Jacaranda is a lender with a difference. We have provided lots of happy customers with loans that can help extinguish their financial fires. However, the common misconception is that Jacaranda will only provide a loan for emergency circumstances. That’s untrue. Jacaranda could even provide you with a poor credit loan for cosmetic surgery expenses or holiday!

We really do cover a variety of different expenses. But, the best part is, Jacaranda is 100% online. What does that mean? Well, everything from application to approval can be done with the click of a button. No long waiting lines at the bank – just super fast application. Our team will even do their best to get back to you within 60-minutes.

Jacaranda has revolutionised the lending game for good! You can even use your smartphone to apply for a poor credit loan – Jacaranda is literally in your back pocket.

You can apply wherever you are, and whenever you like! We are Australia wide – so, it doesn’t matter whether you’re in Darwin or Hobart, we’re there whenever you need us. You can be guaranteed we won’t waste your time. As soon as you submit an application our assessment team will get to work checking over your application. We’ll get back to you ASAP!

A Focus On The Positives

At Jacaranda, we prefer to focus on the positives. What does that mean? Well, it means that bad credit doesn’t have to stand in your way. So, we could provide you with online loans for poor credit today!

Although we will likely conduct a credit check, it definitely isn’t the only thing we take into consideration during the loan process. However, our lending team prefers to focus on how you are going to repay the loan. How do we do this? Well, Jacaranda takes a realistic look at your finances. We conduct employment checks and also view read-only copies of your bank statements. This allows us to view your frequent deposits as well as your spending habits.

So, if you’ve been thinking about applying for a poor credit history loan then why not let Jacaranda see what we can do for you? We’re always here to help. So, if you’ve got any questions you can send us a message.

What Are Loans For People With Poor Credit?

Loans for people with poor credit means a fair go, no matter what your credit history looks like. So, when you apply for a personal loan with Jacaranda, you can be guaranteed you won’t be overlooked due to bad credit.

Our lending team focuses on how you are going to repay the loan. So, if you have the means for repayment, you could be approved for a loan for people with poor credit sooner than you think. It won’t cost you anything to apply. All you need to do is scroll up to the top of the page and use our loan calculator to get started.

We will only ever ask you to provide essential documentation during the application process. Don’t let poor credit stand in your way for another minute. So, why not apply with Jacaranda now!

Forget The Wait

These days, who has time for long waiting periods? However, at Jacaranda, we understand that when you’ve run into trouble, approval time can be crucial. So, that’s why we have made the process super easy. You can apply for a poor credit history loan wherever you are and whenever you like – you could even complete the application on your smartphone.

If you’ve ever applied for a personal loan for poor credit with a traditional lender you will already know that it’s no walk in the park. The worst part is, they can take days – if not weeks – to get back to you. Often, you end up sitting on hold to an automated voice recording or waiting in line at the bank for hours on end.

Jacaranda could come to the rescue. So, if you apply right now for a poor credit loan you could even have the cash in your account by the end of the day.

What Could I Use My Poor Credit History Loan For?

A poor credit history loan with Jacaranda could be used to cover a multitude of different expenses. Here some reasons you could site in your loan application.

Cosmetic Surgery Loans For Poor Credit Rating

Have you been planning on a cosmetic surgery procedure? If you’re struggling to get the cash together, there could be another way. Jacaranda could provide you with a cosmetic surgery loan for poor credit rating.

So, regardless of your credit history, you could apply for a loan online right now! When it comes to cosmetic surgery, don’t settle for anything but the best. Jacaranda could have the cash to get you the best of the best – no matter what it is you’re having done.

All you need to do is scroll up and use our loan calculator to start the application process. What are you waiting for?

Poor Credit History Loans For Car Repairs

If you’ve broken down at the most inconvenient time, then chances are you don’t have the cash lying around for a major repair job. But, Jacaranda does! You could apply for a poor credit history loan right now. That’s right, we lend money to applicants with bad credit.

So, if you’ve been googling ‘loans for poor credit score’, ‘personal loans for poor credit’ or ‘loans for people with poor credit’ then stop where you are. Jacaranda could provide you with online loans for poor credit right now. There’s no need to catch the bus for the next month – Jacaranda could have the cash to get you back on the road sooner than you think.

Poor Credit Loans For Moving Costs

About to move house? We know it can be very pricey. Connecting the internet, gas, power and paying for a removalist can mean the budget takes a huge hit. But, you don’t have to struggle through alone.

Jacaranda could provide you with the cash you need right now to alleviate the pressure. Bad credit? No worries. Jacaranda could approve you for loans for poor credit score. So, if you’re unsure whether to apply or not – we say why not?

It costs nothing to submit an application. Our lending team could even have an answer for you within 60-minutes. So, what have you got to lose? Scroll up and use our loan calculator to see how much you could get to cover your big move!

What Type Of Personal Loan Can I Apply For?

There are three different types of online loans for poor credit that you could apply for with Jacaranda. So, here’s an idea of what you could apply for:

Small Loans For Poor Credit

Small loans can be taken out for $300 to $2,000. The repayment period on a small loan is 12-months. That means our lending team will direct debit the cash from your account on an agreed upon schedule over this period.

Small loans are unsecured. That means you do not need to attach collateral to an application. How convenient is that – especially if you don’t own a car, motorbike, caravan or boat?

Medium Loans For People With Poor Credit

At Jacaranda, medium loans are for cash amounts between $2,001 and $4,600. These loans are repaid over a period of between 13 and 24-months. Payment is directly debited from your account on an agreed upon schedule over this period.

Collateral will be required to be attached on your loan. No stress – our team will keep you in the loop.

Large Loans For Poor Credit

Large loans are cash amounts between $5,000 and $10,000. A large loan is debited from your account on an agreed upon schedule over a period of 13 to 24-months.

At Jacaranda, large loans will require security. A member of the Jacaranda lending team will let you know about the status of security on your loan. At Jacaranda, collateral is accepted in the form of a car, motorbike, caravan or boat.

Who Can Apply?

At Jacaranda, we like to keep things as simple and straightforward as possible. And, our application criteria is no different. Here’s what you’ll need to meet in order to apply for a loan:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be able to prove you’re an Australian citizen or permanent resident.

Not too complicated, is it? If you can meet these criteria then you could apply right now for a poor credit history loan with Jacaranda. We’re always here to help. So, if you have any questions at all regarding the application criteria, then we are more than happy to help. You can shoot us a message. We will do our best to get back to you as soon as possible.

What Will I Need To Apply?

If you’re ready to apply for a poor credit loan, then you’ll be happy to know the application form could only take you a few minutes to complete. But, if you want to make it even easier then we suggest having this info handy:

  • Your basic personal details (name, D.O.B etc);
  • Internet Banking Details (so we can securely access read-only copies of your bank statements);
  • You will need to provide us with the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact in order to verify your employment status);
  • All applicants must be able to prove they are either Australian citizens or permanent residents.

If you have any questions regarding the application process, please don’t hesitate to send us a message. Our team will get back to you as soon as possible.

Jacaranda Poor Credit Loans

Here at Jacaranda, we’re proud of the fact we’ve helped thousands of Aussies through financial emergencies with our poor credit loans. So, below are examples of the loans we’ve approved.

Poor Credit LoansAmountApproved
Loans For People With Poor CreditAUD ($)1,000
Personal Loans For Poor CreditAUD ($)2,500
Loans For Poor Credit RatingAUD ($)5,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

Apply Now!

Why wait? At Jacaranda, our lending team is always ready to help you find a suitable loan product. Not even poor credit needs to stand in your way. So, there nothing stopping you for applying for the cash you need right now.

So, if you’ve been googling ‘loans for poor credit rating’ or ‘personal loans for poor credit’, look no further. Jacaranda could be the lender you’ve been searching for! Apply today, and you could have the cash in your account sooner than you think!

Want to know more from Jacaranda? We’ve got the four simple steps to improve your credit history! Let us tell you how to apply for a quick loan Australia wide. You could even be eligible for a fast cash loan with poor credit, a speedy loan with fast outcomes, we even do fertility financing! So, what are you waiting for?

How customers rate Jacaranda

Poor Credit Loans From Jacaranda - Up To $10,000. Apply Today! Overall rating: 4.8 out of 5 based on 60 reviews.

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Fast & Safe Loans

Small Personal Loan

Loan Amount

Minimum
$300


Maximum
$2,000

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Terms

Minimum
12 Months


Maximum
12 Months

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Costs

Up to 20% Establishment Fee
+ monthly fee up to 4%

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest. The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
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Examples

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

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Medium Personal Loan

Loan Amount

Minimum
$2,100


Maximum
$4,600

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Terms

Minimum
13 Months


Maximum
24 Months

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Costs

Annual Percentage Rate (APR) starts at 20.56%
Comparison Rate is 20.56% per annum.

This comparison rate is based on a medium amount credit contract of $2,500 repaid over 2 years with a $400 establishment fee and APR of 20.56%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
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Examples

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $555.83 (reducing interest*) = $3955.83 total repayable over 18 months with weekly installments of $50.71.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $1081.85 (reducing interest*) = $5981.85 total repayable over 24 months with weekly installments of $57.51

* Reducing interest means that the 20.56% APR is applied to the outstanding balance on a loan. When a loan repayment is made, the loans outstanding balance goes down and the APR is applied to that lower balance. Therefore, the interest component of the loan will constantly reduce (as long as repayments are being made!) - thus it is called reducing interest.
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Large Personal Loan

Loan Amount

Minimum
$5,000


Maximum
$10,000

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Terms

Minimum
13 Months


Maximum
36 Months

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Costs

Annual Percentage Rate (APR) is 12%
Comparison rate is 19.88% per annum.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate
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Examples

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $1831.16 (Interest) = $6831.16 total repayable over 18 months with weekly installments of $87.57.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5041.72 (Interest) = $15041.72 total repayable over 24 months with weekly installments of $144.63.

* Reducing interest means that the 19.88% APR is applied to the outstanding balance on a loan. When a loan repayment is made, the loans outstanding balance goes down and the APR is applied to that lower balance. Therefore, the interest component of the loan will constantly reduce (as long as repayments are being made!) - thus it is called reducing interest.
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