Credit Guide

Jacaranda Finance
ACL: 456 404


1. Our Responsible Lending Obligations

As a part of our responsible lending obligations, we are required to not enter into a credit contract or increase the credit limit with you if the contract will be unsuitable. A contract will be deemed unsuitable if:

  • it is likely that you will be unable to comply with the financial obligations under the contract or you could only comply with the financial obligations under the contract with substantial hardship; or
  • the contract does not meet your requirements or objectives.

In determining whether a contract will be deemed unsuitable, we will:

  • make reasonable enquiries about your requirements and objectives for the applied credit; and
  • make reasonable enquiries about your financial situation;
  • take reasonable steps to verify that financial situation;
  • obtain and review your bank account statements for the last 90 day period.

2. Providing a Copy of Assessment

If you request a copy of our Assessment of Unsuitability for your credit contract:

  • before entering the credit contract, we must give you a written copy of the assessment before entering the contract
  • within two years from the credit day, we must give you a written copy of the assessment in writing within 7 business days of your request
  • after two years from the credit date but within 7 years, we must give you a written copy of the assessment in writing within 21 business days

3. Our Internal Dispute Resolution Procedure

If you are not fully satisfied with the service we have provided you, you can notify our complaints officer at:


In your complaint, you should provide your preferred contact details and clearly outline the nature and details of your complaint and our complaints officer will be in touch with you.

4. Our External Dispute Resolution Scheme

If you are not satisfied with the outcome from our internal dispute resolution procedures or we have not responded within 21 calendar days, you can refer the matter to the independent external dispute resolution scheme of which we are a member;

Australian Financial Complaints Authority
Phone: 1800 931 678
Mail: GPO Box 3, MELBOURNE VIC 3001

5. Contact Us

Should you have any questions regarding any of the information found in this document, or have any other enquiries, please feel free to contact us.

Phone: 1300 189 823
Postal Address: PO Box 370, Indooroopilly QLD 4068


Customer Testimonials On Trusted Platforms

  • Super easy and fast system, applying was seamless and money was instant! See Less

    Super easy and fast system,... See More

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    - S Johari - Google Review

  • Fast, reliable service had money in acc same day See Less

    Fast, reliable service had money... See More

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    - K Perkin - Google Review

  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. See Less

    Jacaranda is always helpful, wonderful... See More

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    - n falconer - Google Review

  • Brilliant service and quick action during application process the best there can be when it comes to quick loans. See Less

    Brilliant service and quick action... See More

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    - N Ross - Google Review

  • Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! See Less

    Jacaranda finance is definitely one... See More

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    - B Pocock - Google Review

  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced See Less

    So jacaranda finance.. Were great... See More

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    - N Rice - Google Review

  • It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much. See Less

    It is easy to apply... See More

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    - D Miguel - Google Review

  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. See Less

    Good people to work with.... See More

    google icon

    - K Kupke - Google Review

  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. See Less

    Excellent service once again from... See More

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    - J Mccullough - Google Review

  • Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you. See Less

    Excellent 5 STAR customer service... See More

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    - B Lau88 - Google Review

  • Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. See Less

    Jacaranda finance were amazing they... See More

    google icon

    - R Hay - Google Review

Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 30/11/23

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If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.