Rating based on 12 reviews

Jacaranda Loans

  • Bad credit loans up to $10,000
  • Low-interest starting from 20%
  • Repayment up to 36 months

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Jacaranda homepage
Author Jacaranda. Screenshot of Jacaranda website.
[Accessed April 5, 2021]

Jacaranda Loans - we will go out of our way to help you

Jacaranda Loans has always been a financial services provider that puts the client first. We have a number of experienced consultants who go out of their way to ensure that clients get the best deals with our services.

Although we aim to help everyone who comes looking for our services, it is not possible sometimes. This is because some clients have credit records that are too damaged for us to fix. In such situations, we also encourage our customers to go and fix their bad credit report and come back to apply for a personal loan.

We always encourage responsible lending

We wouldn’t be doing our clients any justice if we didn’t advise them in the best way we know. Seeing that we are specialists in our field, we have dealt with any financial situation you can think of and we normally know how a situation is going to play out even before it ends.

Therefore, we will never encourage clients to carry the weight of additional debts or take out bad credit loans while they are already in arrears with other obligations. We don’t see our customers as people we are simply in business with. Instead, we see people who have confided in us with their financial issues so it is up to us to help them as opposed to making things harder for them.

Fast 5-minute loan application

Customers who want a loan with Jacaranda Finance can apply online and the online loan application takes roughly five minutes to complete.

The application consists of generic details that the client needs to fill in such as personal details, employment details and salary details.

The information you furnish is strictly confidential and we will never give your information to anyone.

In order for you to apply for a loan you need to meet the following requirements:

  • Clients need to be 18 years of age
  • Customers need to be Australian residents or permanent resident
  • Receive fixed income over the past 90 days (your Centrelink costs)
  • Have a direct contact number where we can reach you

When can I get another loan from Jacaranda?

It is possible to get another bad credit loan with Jacaranda Finance even if you have a loan with us. You can give us a call and we will explain everything to you.

Jacaranda – Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 2048% p/a
  • Loan Amount up to $10,000
  • Repayment 13 months to 36 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 loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Jacaranda Loans - Let us help you with financial support

After you have applied for the quick loan, we need to verify whether the information that you have completed corresponds with the supporting documents that you need to furnish us with.

We then access your loan application

Being responsible lenders, we will never give our clients more than they can afford. We will always access your affordability and the other debts that you are committed to before we can determine the amount that we can borrow you.

We accept almost every Centrelink payments. Such examples include:

  • Old care allowances and disability pensions
  • Carer’s payment
  • Family tax profit
  • Veteran’s payment
  • Widow or widower’s payment
  • Farm domestic payment

Do you do an employment check with my work?

Employment checks are normally done for first-time clients and we will never disclose your bad credit loan details with your employer. We simply just want to verify whether you work or not.

Do you conduct a credit check?

Credit Checks are a formality that we do at Jacaranda Finance. We will not reject your loan because of a few glitches we found in your past. We are more concerned about your current payment patterns as opposed to your previous ones.

What happens if I cannot make a repayment?

Clients need to notify us 24 hours prior to the scheduled date if they will not be able to make their long or short-term loan repayment. Failure to do that will give you a bad credit record.

What happens if a payment declines?

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

What happens if I stop paying my loan back?

The Credit Bureau may have to take up your matter and you will have a bad credit record that will be kept for 5 years. The unfortunate part is that the bad credit rating remains in your profile even if you start paying your bills.

These are the following documents we need if a client wants to apply for Financial Hardship Assistance:

  • Parting documentation (if service closure has occurred)
  • Bank statement for the preceding/present month
  • Centrelink subsidy credentials (if related)
  • A financial plan
  • Proof of bills (telephone, services)
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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