Rating based on 34 reviews

Jacaranda Finance

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

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Jacaranda Finance homepage
Author Jacaranda Finance. Screenshot of Jacaranda Finance website.
[Accessed May 2, 2023]

Jacaranda Finance - They are transparent and trustworthy

There can be no trust without transparency. Jacaranda Finance prides itself on its transparency and promises clients to always do what’s right.

When you take out a loan with Jacaranda Finance, they’ll give you detailed information about the cost involved.

They’ll show you the total cost of your loan upfront before you sign an agreement. They value your business and aim to build a relationship with you that is built on mutual trust.

Jacaranda’s mission to serve

They aim to provide Australians with an efficient way to get instant loans when they need them. They can help you better manage your cash flow, buy groceries or pay for doctors' bills.

Whatever your reason for needing a loan, they can help you obtain it - fast. They achieve this by using up-to-date technology whilst also following responsible lending practices.

Do you need extra cash?

You've come to the right place if you need a little extra cash. Jacaranda Finance specialises in short-term loans and understands that a loan today will affect you tomorrow. For this reason, they’re committed to helping you get a loan that you can afford.

Your loan can be paid out on the same day that you apply and you can borrow between $2,500 and $15,000. Jacaranda has one of the fastest loan turnaround times in the country.

Loan approval under 60 minutes

Get a loan from $2,500 to $15,000 with flexible repayment terms of up to 24 months, and enjoy Jacarandas 60-second transfers.

Jacaranda is different from other lenders, they don’t follow traditional lending rules. Instead, they focus on their main priority, getting you your money, quickly. Most of their clients receive a loan outcome within 60 minutes after applying. Unlike a payday loan, their personal loan option gives you flexibility when it comes to your repayments.

Short-term personal loans

Any loan that is paid over a shorter repayment term will carry higher interest rates, making it more expensive. As such, Jacaranda offers more flexible terms at lower interest rates.

Jacaranda won't charge you a processing fee if your application is unsuccessful and as an added bonus, they’ll help you find a credit provider that will offer you fast online loan approval. If you’re successful and take out a short-term personal loan with them, they won't penalise you if you repay your personal loan early.

Jacaranda Finance will help you move forward

Regardless of the outcome of your loan application, this lender aims to help you move forward in life. They’ll still give you valuable information and as mentioned, can help you find a lender to obtain a loan from if you don’t qualify for one directly with them.

When you apply for a loan with them, they’ll treat you with respect and compassion. Jacaranda Finance understands that your credit history can misrepresent you and therefore they also offer bad credit loans.

Jacaranda Finance – Personal loan

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

Benefits of Jacaranda Finance

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

Personal loan calculator

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

Jacaranda Finance – They believe in second chances

Jacaranda Finance aims to keep the loan process as simple and fast as possible, to offer you maximum convenience.

They specialise in personal loans that can be repaid over a maximum term of  24 months. You can apply for one of their personal loans, even if you have bad credit. This is because they truly believe in second chances.

How do you qualify for a personal loan?

You must be at least 18 years old and have permanent residency in Australia. Furthermore, you must have a regular income that is paid into your bank account. You must be able to demonstrate that you’ve received this income for the past 90-days. You’ll be required to have a valid email address and mobile number.

You receive Centrelink, can you apply for a personal loan?

Yes, you can. Jacaranda Finance provides quick loans to clients on Centrelink. They understand that traditional lenders won't approve you for a loan, but they make it easy for anyone to obtain a loan.

Centrelink payments accepted:

  • Disability pension
  • Carer’s allowance
  • Widow/widower allowance
  • Family tax benefit
  • Farm household allowance
  • Veteran allowance

Centrelink clients can apply for a loan as long as they receive at least half of their income from a source other than Centrelink. The amount you will qualify for will depend on your personal finances. As a responsible lender, they’ll only lend you an amount that you can afford to repay.

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.

Customer Reviews & Testimonials

A very nifty website that let me do my entire application online and I didn't even have to wait long for approval, granted the money took 3 days to reflect in my account.

Callum H
— Newcastle —

Low fees, affordable interest rate and flexible repayment terms - what more can I need?

Carly F
— Townsville —

To the point loan application and approval, the money was in my account within 24 hours.

Jacob P
— Victoria —

Jacaranda Finance Contact

Physical Address

Postal Address

  • PO Box 370, Indooroopilly, QLD, 4068, Australia

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