Rating based on 12 reviews

Jacaranda Loans

  • Bad credit loans up to $15,000
  • Low-interest up to 48%
  • Repayment up to 24 months

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Jacaranda homepage
Author Jacaranda. Screenshot of Jacaranda website.
[Accessed May 3, 2023]

About Jacaranda

Jacaranda Loans has always been a financial services provider that puts you first.

They have a number of experienced consultants who go out of their way to ensure that you get the best deals and excellent customer service.

When your bad credit is an obstacle

Although they aim to help everyone who needs credit, it’s not always possible. This is because some clients have poor credit histories and cannot qualify for a loan.

In such situations, they encourage you to make efforts to fix your bad credit report and come back to apply for a personal loan at a later stage.

Encouraging responsible lending

As a transparent lender, Jacaranda strives to be open and honest with you, especially if you’re struggling with debt.

As specialists in their field, they’ve dealt with any financial situation you can think of and can leverage their experience to help you.

They’ll never encourage you to carry the weight of additional debts or take out bad credit loans if you’re already in arrears with other obligations.

Jacaranda doesn't see you as simply someone they’re doing business with. They will treat you like an individual and ensure they assist you with a loan, even when your credit rating isn’t great.

Jacaranda Services

Jacaranda Finance provides bad credit loans from $2,500 to $15,000 with flexible repayment terms of up to 24 months.

Customers who want a loan with Jacaranda Finance can apply online. The online loan application takes just five minutes to complete and everything can be done digitally.

Fast 5-minute loan application

The application consists of generic details that you need to fill in such as your personal and employment details and wages or salary figures.

The information you furnish is strictly confidential and Jacaranda will protect your privacy.

To apply for a loan you must:

  • Be 18 years of age
  • Be an Australian resident or permanent resident
  • Have received a fixed income over the past 90 days (your Centrelink costs)
  • Have a contact number where you can be reached

When can you get another loan from Jacaranda?

It’s possible to get another bad credit loan with Jacaranda Finance even if you have an existing loan provided that you meet their qualifying criteria.

Jacaranda – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 48%
  • Loan Amount up to $15,000
  • Repayment 12 months to 24 months

Benefits of Jacaranda

  • Affordable vehicle finance options
  • Consolidate your debt
  • Apply for a personal loan online
  • Get a loan even with a bad credit rating

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Jacaranda Loans - Let them help you with financial support

After you’ve applied for a bad credit loan, they’ll need to verify whether the information that you provided corresponds with the supporting documents.

Apply only for what you can afford

Being responsible lenders, Jacaranda Finance will never give you more than you can afford. They’ll always assess your affordability by looking at your debts before determining whether they can approve your loan application.

Jacaranda accepts Centrelink payments including Carer’s, widow or widower’s, and farm domestic payments.

Employment checks for first-time clients

Jacaranda Finance will run an employment check if you are a first-time client to ensure that the information you’ve provided is accurate.

Credit checks when you need a loan

Credit Checks are a formality that Jacaranda Finance must comply with. They won’t reject your loan because of your credit history but this will help them determine affordability. They’re more concerned about your current payment patterns as opposed to your previous ones.

When you can’t afford to make a repayment

You need to notify Jacaranda Finance 24 hours prior to the scheduled date if you won’t be able to make your loan repayment. Failure to do this may result in a further hit to your credit.

What happens if a payment declines?

A dishonesty fee of $35 will be expected to be paid by a client if a payment declines.

Representative example

Examples only provide an estimate, not an offer for credit. The amount you can borrow as well as the rate you receive may vary once you complete an application and all relevant details are captured and verified. Example figures may be rounded. Based on a personal loan of $10,000 over 36 months and a comparison rate of 48%, total fees and charges total $9,038.96 and a total repaid of $19,038.96. WARNING: This comparison rate is valid 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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Jacaranda is a trusted & reliable provider of bad credit loans

In our review, Jacaranda adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Jacaranda is a registered credit provider in Australia: ACL 4221738

Customer Reviews & Testimonials

November 2018

Jacaranda Finance will always look at your budget and monthly expenses before they give you a loan.

Christopher A
— Cairns —

December 2018

Applying for a Jacaranda Finance loan was fast and effective. Within an hour, I already got feedback that my loan was approved.

Zoe J
— Brisbane —

March 2019

The interest rates that Jacaranda Finance has are quite ideal for an average economic household.

Jeremy W
— Perth —

Jacaranda Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 16:00
  • Saturday 08:00 – 12:00
  • Sunday – Closed