Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


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$300 $4600
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Loans from $2100 to $4600 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 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Unsecured personal loans

Unsecured Personal Loans Up To $2,000. 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. All you need to do is fill out our simple application form and then 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 approval 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 will be the safety net you need when you get knocked back by a nasty expense. 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 forms.

You could reach the 11th hour and realise your car registration is due tomorrow and your bank account is looking a little bare. Not to worry! Just 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. Your registration will be paid and your money troubles will be no more all before the day is done!

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

how it works question

Why choose a Jacaranda Finance unsecured personal loan?

You can rest assured that our unsecured personal loans application process is quick, easy, and very 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! 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 paperwork to fill out so our application will be the easiest thing you do today!

Jacaranda Finance offers some of the fastest and most reliable unsecured personal loans in Australia. 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.  We will never lend to someone who we don’t think can comfortable repay their loan. 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 approval?

We sure can!

While we do conduct checks on new customers, this is not the only thing we look at. We believe that we get a better idea of a client’s situation by looking at their current income and expenditure, rather than their past credit history. We understand that everyone makes mistakes and it’s not our job to judge them. Therefore, we like to keep an open mind when it comes to assessing a client’s application.

Bad credit unsecured personal loans with very fast approval are just one click away! Apply today and leave your money stress behind!

how it works question

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 when it comes to being eligible. 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 approval?

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 you go to submit unsecured loans application all you’ll need is your:

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

how it works question

Ok, so I’ve applied. What now?

Once you have submitted your application you’ll receive a conditional approval straight away. This will just be to let you know if we’re going to be able to come up with an offer for you. The last thing we want to do is waste anyone’s time. Once your application has been conditionally approved, our team will get to work straight away assessing your situation and coming up with the most suitable offer.

From there, you won’t need to wait long at all as we’ll get back to you within the hour with a result. Then we’ll email you an electronic contract outlining the terms of your loan. As everything is 100% online, you don’t need to print or scan anything. Just sign the electronic contract and send it back and we’ll release the funds straight away. You’ll see the money reflect in your bank account not long after. However, sometimes it can take up to 24 hours, depending on the policies of the bank you are with.

It really is as easy as that!

how it works question

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. As well as our unsecured small personal loans up to $2,000, we also offer medium secured personal loans that range from $2,001 up to $4,600. 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. 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.

how it works question

What are the unseucred 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 unsecured personal loan rates you can expect you pay are:

And that’s it! Apart from a $35 dishonour fee, which will be charged if you miss a payment, you won’t be faced with any more cost! What you see is what you get! No hidden fees and that’s our promise.

The good news is that, if you decide you want to pay your loan out early, it won’t cost you anything to do so! In fact, you’ll end up saving money on interest and other monthly fees.

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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 –  in which you would like the payments to be directly debited from your account. Generally, it’s best 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!

Once you’ve paid off the full amount of your unsecured personal loans no credit check Australia, 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?

Try not to stress too much! These things happen. If you do find that your bank account is a little low one week and you don’t have enough to make the payment, just 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. If you just 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.

how it works question

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

Although we do help a lot of people, we, unfortunately, can’t help everyone. As we mentioned before, we won’t approve an application if we don’t think that person is able to make their loan repayments. This could be due to a number of reasons but don’t let it get you down. It’s likely that your situation will actually be better off without the strain of more repayments. 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. We promise we will always do our best to help you in any way we can!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


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

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $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

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% 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.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

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

What our clients say

Unsecured Personal Loans Up To $2,000. 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