Secured Loans

Want a bit more bang for your buck? By adding security to your Jacaranda Finance Personal Loan, you could be considered for a larger loan amount and better loan terms.

Apply for a Secured Loan today!

Same-day applications2
Secure, fixed repayments
100% online!

What is a Secured Loan?

A Secured loan is a type of loan that requires collateral, aka security. This means that you'll need an asset - usually a vehicle - to attach to the loan. If you cannot repay the loan, the lender can possess the asset and sell it to compensate for its loss.

By adding security to your loan, you will generally be considered a less risky borrower and could be considered for a larger loan amount and more competitive loan terms as a result.

About our Secured Loans

At Jacaranda Finance, we offer Secured Loans for amounts between $3,000 and $25,000.

Our Express Personal Loan is a fast finance solution to help everyday working Australians with large-sized expenses. Even though securing your loan will require slightly more information, we'll only ask for the necessities. With loan terms of up to 36 months and flexible repayment options, we make it easy to pay for life's big costs.

Why secure your loan with Jacaranda?

Let Jacaranda unlock the new financial you!

What can you use our Secured Loans for?

A Secured Loan with Jacaranda is a safe way to borrow for some of life’s key expenses, such as:

  • Home Improvement & Renovations

    From cracked tiles to a leaky roof, we can help you sort out those much-needed repairs you've been putting off.

  • Debt Consolidation

    Consolidate multiple debts into one easier-to-manage repayment with a Jacaranda debt consolidation loan.

  • Holidays & Travel

    Our holiday loans could provide the funds you need to head off on your next adventure. Book your flights, accommodation and more with a Jacaranda holiday loan.

  • Medical Bills

    You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

  • Dental Expenses

    Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable personal loans for dental work.

  • Car & Vehicle Repairs

    When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!

  • Rental Bonds & Moving Costs

    Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.

We also offer Secured Car Loans

Get in the driver's seat with a Jacaranda Finance Secured Car Loan. Apply today and access up to $25,000 for your next set of wheels.

Our Rates & Fees

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.

Interest Rate
Comparison Rate
Loan Term
Repayment Cycle
Secured or
Unsecured
Establishment Fees
Monthly Fees
Risk Fee
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Unsecured
    Establishment Fees
    $13.50 - $950
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $325.50
    Comparison Rate Warning*
    The comparison rate is based on $10,000 over 36 months. 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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Secured or
    Unsecured
    Secured
    Establishment Fees
    $125 - $1,190
    Monthly Fees
    $26 p/month
    Risk Fee
    $0 - $995
    Comparison Rate Warning*
    The comparison rate is based on $10,000 over 36 months. 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.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
  • Unsecured
    Personal Loan
    $3,000 - $10,000
    Interest Rate
    27.95% - 29.95%
    Comparison Rate
    44.50% - 46.50%
    Loan Term
    25 months
    Secured or
    Unsecured
    Unsecured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $13.50 - $950
    Risk Fee
    $0 - $325.50
    The comparison rate is based on $10,000 over 36 months. 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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    16.95% - 29.95%
    Comparison Rate
    32.99% - 45.50%
    Loan Term
    25 - 36 months
    Secured or
    Unsecured
    Secured
    Monthly Fees
    $26 p/month
    Repayment Cycle
    Weekly, Fortnightly, Monthly
    Establishment Fees
    $125 - $1,190
    Risk Fee
    $0 - $995
    The comparison rate is based on $10,000 over 36 months. 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.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
Unlock the new financial you

Boost Your Credit Score With Jacaranda

  • Group-39960-1 (1)
    Check your eligibility

    Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!

  • CCR
    Comprehensive Credit Reporting (CCR)

    Making all your repayments to us on time could steadily improve your credit score and positively impact your ability to get credit in the future.

  • Group-39960-1 (1)
    Check your eligibility

    Worried about being denied a loan? No stress! At Jacaranda, QualifyCheck lets you check if you qualify without affecting your credit score!

  • CCR
    Comprehensive Credit Reporting (CCR)

    Making all your repayments to us on time could steadily improve your credit score and positively impact your ability to get credit in the future.

  • What's the difference?

    Secured vs Unsecured Loans

    We offer both Secured and Unsecured Loans, which are loans that don’t require an asset to be attached for security. This means you won't have anything repossessed if you can't pay off the loan, but you might have a smaller loan limit.

    At Jacaranda Finance, you can borrow between $3,000 and $25,000 with an Unsecured Loan.

    Read more: 5 Differences Between Secured and Unsecured Loans

    Secured vs unsecured

    Ready to apply for a Secured Loan?

    Applying for a Secured Loan with Jacaranda is as simple and quick as possible, as we know how important it is to receive your funds in a timely manner.

    You can easily apply online now or download the Jacaranda Better Credit app and get started today!

    Loan Repayment Calculator

    Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.

    Once you know what you can afford in your budget, use our three-step loan repayment calculator to estimate your repayments before you apply.

    Ready to Apply? You can get started now.
    1. I'm looking for a:
    2. I'd like to borrow: $8,500
    Please note that loans exceeding $10,000 or with Loan Terms of 36 months will require security in the form of a registered motor vehicle you own.
    3. Loan Term (Months)
    ...
    Estimated per
    * Repayment Disclaimer
    *Please consider: The example repayment is an estimate based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.
    Interest Rate
    16.95% - 29.95%
    Comparison Rate**
    32.99% - 46.50%
    Monthly Fee (Fixed)
    ...
    Total Repayment
    Including Interest & Fees
    ...
    ** Comparison Rate Warning
    The comparison rate is based on $10,000 over 36 months. 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.
    Ready to Apply? You can get started now.

    We Make Applying Easy

    We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

    That’s why our loan application process has been perfected over time to be as simple and quick as possible.

    Available Now

    It’s Faster With the Better Credit App

    • Easily apply for and manage your loan in-app
    • Make extra repayments, check your balance & more
    • Easy access to our customer service team
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      Shaan Johari - Google Review
      Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
      Super easy and fast system, applying was seamless and money was instant!
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      Scott Milkauskas - Google Review
      Scott Milkauskas Rated Jacaranda Finance 5 out of 5 stars
      I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
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      naomie falconer Rated Jacaranda Finance 5 out of 5 stars
      Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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      Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
      Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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      Breeanne Pocock Rated Jacaranda Finance 4 out of 5 stars
      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 !
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      Dianita Miguel - Google Review
      Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
      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.
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      Kevin Kupke - Google Review
      Kevin Kupke Rated Jacaranda Finance 3 out of 5 stars
      Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
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      Brendan Lau88 - Google Review
      Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
      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.
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      Kayleb Perkin Rated Jacaranda Finance 4 out of 5 stars
      Fast, reliable service had money in acc same day
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      Rebecca Hay Rated Jacaranda Finance 3 out of 5 stars
      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.
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      Rob Smith - Google Review
      Rob Smith Rated Jacaranda Finance 4 out of 5 stars
      Had a good experience with jacaranda finance the form was easy to follow and the team helped when I had questions

    Secured Loan FAQs

    Want to know more? Here are some of our most frequently asked questions about our Secured Loans.