Discover Jacaranda Finance

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$300 $10000
$2000
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Weekly
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(you will be sent a verification code by SMS)

Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. 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. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here to see a worked example.

Apply today for Unsecured personal loans!

Unsecured Personal Loans Up To $10,000. No Hidden Fees! Apply Now!

Are you after an unsecured personal loan? Well, you’ve come to the right place! At Jacaranda Finance, we do unsecured personal loans up to $2,000. We also offer secured loans up to $10,000. All you need to do is fill out our simple application form and we’ll get back to you within the hour!

how it works question

What is an unsecured personal loan?

Unsecured personal loans are small personal loans that don’t require an asset to be attached for security. You just fill out the online application form and that’s it! Apply for unsecured personal loans with very fast outcomes today and say farewell to your money troubles!

Unsecured personal loans can get you out of a jam you weren’t prepared for. Life is full of unexpected expenses and you never want to be caught without a plan B! A Jacaranda unsecured personal loan could be the safety net you need when you get knocked back by an unexpected expense, or when you need a little extra cash flowing through your wallet. It doesn’t matter where you are in Australia or what time of the day it is, you will always have access to our unsecured personal loan application form.

If you’ve reached the 11th hour and realised your car registration is due soon and your bank account is looking a little bare, you may not be out of options. Jump online and apply for one of our unsecured personal loans and you can rest easy knowing your application will be the first thing we look at once we’re back in the office. We’ll have an outcome to you in just 24 hours if you apply during regular working hours.

For some more information on unsecured loans, visit the MoneySmart website.

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Why choose a Jacaranda Finance unsecured personal loan?

You can rest assured that our unsecured personal loans application process is quick, easy, and secure. We’ll always take care in processing the information you give us and we’ll never ask for more than what we absolutely need! Therefore, our team of dedicated personal loan specialists will review your application with the utmost care to determine how we can best help you. There are no long wait times or tedious reams of paperwork to fill out. Our application may just be the easiest thing you do today!

Jacaranda Finance offers some of the fastest and most reliable unsecured personal loans in Australia. If you’re looking for quick loans, you may stumble across the likes of “unsecured personal loans no credit check Australia.” Well, it might be best to just to avoid them. If you’re looking for unsecured personal loans bad credit, then apply with Jacaranda Loans!

We want to take the stress out of applying for loans. All you need to do is fill out your details and then sit back and relax while we take care of the rest! We take our responsible lending obligations very seriously which means we will always make sure we assess your application closely. In addition, we will never lend to someone who we don’t think can comfortable repay their loan. Therefore, as frustrating as this may be for some, we would never want to see a client fall further into financial hardship. We’re here to help your situation, not make it worse.

how it works question

Can you do bad credit unsecured personal loans with very fast outcomes?

We sure can!

While we do conduct checks on new customers, this is not the only thing we look at. As a result, we ensure that we have a clear picture of each applicants financial situation by looking at and verifying their current income and expenditure, too. By automating parts of the application process, we’re able to deliver fast outcomes when they’re needed most.

Bad credit unsecured personal loans with very fast outcomes are just one click away! Apply today!

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Who can apply for Jacaranda Finance unsecured personal loans?

We do like to give everyone a fair go. However, as we are responsible lenders, we do have certain requirements that need to be met in order to be deemed eligible to apply. To qualify for unsecured personal loans we won’t ask you for a lot. We just ask that you:

What do I need with me when I apply for bad credit unsecured personal loans with very fast outcome?

We want to make this whole process as simple as possible! We know you probably have a lot on your plate and we’re not here to add to it! When submitting an application for unsecured loans you’ll need is your:

And, voila, you’ve just applied for a Jacaranda unsecured personal loan.

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Ok, so I’ve applied. What now?

Once you have submitted your application you’ll receive an outcome within 60 minutes, if you have applied during regular working hours. If we require any further information from you before sending you an outcome, we’ll let you know.

Therefore, if your loan application is approved, we’ll let you know via email and telephonically. Your contract would be sent to you via email and, as we’re a 100% online company, your contract would be signed electronically. That’s right – you don’t need to print or scan anything. Just sign the electronic contract and send it back.

It really is as easy as that!

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Can I take out more than $2,000?

Yes, you sure can!

However, if you do want to borrow more than $2,000, that is what we call medium secured personal loans. We also offer medium secured personal loans that range from $2,001 up to $10,000. If you were after this type of loan, the application process is almost exactly the same. The only difference is that you would need to attach an asset to your loan for security purposes. Therefore, this could be your car, motorbike or caravan; it’s completely up to you! We’ll just need some photos of the vehicle showing its condition and number plate, as well as its registration number and your certificate of ownership. Just so we know it’s yours.

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What are the unsecured personal loan rates?

One of the first questions you’re likely to ask when applying for unsecured personal loans is ‘how much does it cost?’ This is why we pride ourselves on how transparent we are when it comes to the costs and fees associated with our loans.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. 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. Click here to see a worked example.

how it works question

How do repayments work for Jacaranda Finance unsecured loans?

Repayments are simple! As soon as you’ve been approved, you’ll be able to have a chat with someone from our customer service team. They’ll ask you to elect a day – either weekly, fortnightly or monthly –  on which you would like the payments to be directly debited from your account. So, you may decide to set up your payments in line with your payday so you know you’ll always have money in your account. Then, we’ll set up the direct debit and you won’t need to worry about a thing!

Therefore, once you’ve paid off the full amount of your unsecured personal loans, the payments will stop automatically. You won’t need to deal with the hassle of cancelling them yourself as we would have already done it for you! No reminders, no paperwork, no problem!

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What happens if I can’t make a payment on my unsecured personal loans?

If you find that your bank account is a little low one week and you don’t have enough to make your payment, get in touch with us. If you ignore it and we try to take the money out of your account, you will be charged a dishonour fee which is the last thing you need when you’re a little skint. So, give us a call and let us know the situation we will be more than happy to work something out that is favourable for all parties involved.

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My application for bad credit unsecured personal loans with very fast outcome got declined. Why?

Although we do help a lot of people, we, unfortunately, can’t help everyone. We won’t approve an application if we don’t think the applicant is going to be unable to make their loan repayments. So, the good news is that you can apply again! Our criteria are always changing and we’re sure your situation is too! This means that if you find yourself in a jam, jump back online and apply for another Jacaranda unsecured personal loan. Therefore, we promise we will always do our best to help you in any way we can!

Appply Now!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

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

Terms

12
months

Example:

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.

Example of how our medium secured personal loans work

Loan amount

$2,100 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 67.41% P.A.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.

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

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

Example of how our large personal loans work

Loan amount

$5,000 minimum
$10,000 maximum

Costs

ANNUAL PERCENTAGE RATE (APR) IS 21.24% Comparison Rate is 48% P.A.

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

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

What our clients say

Unsecured Personal Loans Up To $10,000. No Hidden Fees! Apply Now! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

★★★★★
5 5 1
Very fast easy to apply thank you so much