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Jacaranda Finance

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

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Author Jacaranda Finance. Screenshot of Jacaranda Finance website.
[Accessed May 24, 2023]

About Jacaranda Finance

With Jacaranda, you'll find that they offer highly personalised services and great customer service.

Jacaranda Finance is an Australian-based digital lender founded in 2014. They're on a mission to assist hard-working Australians with fast, transparent, and responsible access to credit for life's expected or unexpected medium to large expenses.

Their head office is located in Milton, Brisbane, and the company is 100% Australian-owned and operated. Jacaranda Finance believes in treating all loan applicants with respect and offering a high level of customer service, regardless of their circumstances.


Committed to serving you

They strive to make borrowing money as fast and simple as possible.

Here's what you can expect

Verification and transparency

Jacaranda Finance verifies each customer's unique financial position to ensure they can comfortably afford loan repayments. They explain every aspect of the loan, including terms, fees, interest rates, and the total cost over the life of the contract.

Exemplary customer satisfaction

Jacaranda Finance is dedicated to providing exemplary customer service. Their team is committed to answering questions and resolving concerns promptly, ensuring a positive experience for every customer.

Help when you need it

Jacaranda Finance understands that life brings unexpected events and challenges. They work with customers if their situation changes, providing the necessary support and flexibility.

Fast and convenient processes

They use ultra-fast, proprietary built loan processing technology, allowing customers to complete an application in 5-12 minutes. Most applications receive same-day approval, and funds can be in the customer's account within 60 seconds of signing the loan contract, provided they have an NPP-enabled bank account.

Giving back to the community

They're a proud supporter of local charities and organizations within the Brisbane community and across Australia. They actively participate in fundraisers and donate to causes such as deaf and hearing-impaired children, cancer research, down syndrome awareness, and local sporting initiatives.

Awards and recognition

Jacaranda Finance has been nominated for and won numerous awards since its inception. They have received recognition for their excellence in providing personal loans, including the Australian Small Business Champion Award and the Best Personal Cash Lending Provider by the Australian Enterprise Awards.

Customer-centric approach

Jacaranda Finance takes pride in providing fast, reliable, and responsible access to financial assistance for hard-working individuals in Australia. With nearly a decade of experience and a satisfied customer base of over 50,000, Jacaranda Finance has established a reputation for excellent customer service and efficient loan processing.

Their friendly and respectful customer service team, based in Australia, is readily available to assist you throughout your borrowing journey. Additionally, Jacaranda Finance offers a self-service customer portal, allowing existing customers to access their accounts 24/7, every day of the year.

A bad credit lender

This lender will also be able to offer you a bad credit loan provided that you meet their minimum requirements and that you can afford the loan as shown by your bank statements.

Their willingness to offer customers with bad credit a loan lies in the fact that they understand that no one is perfect and that everyone can make mistakes and struggle with their finances at one point or another.

Choose a loan amount

You can make use of their fast loan sliders to determine how much you can afford to borrow and see how much it'll cost you.

If you need any information on Jacaranda loans, their security or privacy policies or have a question you can easily find more information on their website as it's full of information and resources. 

Jacaranda Finance Services

Jacaranda is a unique alternative credit provider that offers quick loans of up to $15,000 with flexible repayment terms of up to a year.

Cash boost: A convenient solution for managing moderate expenses

When unexpected financial obligations arise or your savings fall short, Jacaranda present a convenient option for handling moderate-sized financial needs.

Offering loan amounts ranging from $2,100 to $4,600 and flexible repayment terms spanning from 9 to 18 months, Jacaranda loans provide a practical and manageable approach to addressing various expenses.

Flexible Jacaranda loan choices

Jacaranda Finance provides both secured and unsecured Cash Boost loans. Secured loans require collateral, such as a vehicle, while unsecured loans do not necessitate any form of security.

Opting for a secured loan may result in higher loan limits and longer repayment terms, particularly for individuals with a lower credit score but in good financial standing. Acceptable collateral typically includes personally-owned cars without any outstanding finance.

Jacaranda loans offer a flexible and convenient solution for managing moderate expenses. With a simplified application process, prompt approval and fund disbursement, and a customer-centric approach, Jacaranda Finance aims to provide reliable financial support to hard-working individuals in Australia when they need it the most.

Who can Jacaranda help?

Jacaranda Finance assists creditworthy customers across a broad range of credit profiles. While historically serving mainly 'non-prime' customers, they're working towards offering competitively priced loan products to a wider base of borrowers.

Their teams help customers meet critical financial needs, including debt consolidation, home improvements, car repairs, medical procedures, holidays, and other major expected and unexpected expenses.

This means you can afford to take out a loan and will have significantly smaller and more affordable monthly repayments.

Why the longer loan term?

While most lenders only offer very small payday loans, Jacaranda has assessed the market and their customer’s needs and decided that a longer loan term would better suit their needs and make loans more affordable.

This will result in fewer loan defaults and will ensure that people can obtain credit to take care of the things that matter most without having to struggle to afford them.

A Jacaranda short-term loan can be used for any purpose from car repairs and paying bills to travel money and wedding gifts – there are no restrictions and you are free to apply for whatever purpose you wish to.

Fixed fees

As required by the ASIC, Jacaranda has capped their loan costs and will now charge all customers a 20% establishment fee and an ongoing 4% monthly account management fee.

This means you'll know exactly what the loan will cost you and what is expected of you in terms of repayment from the start.

Jacaranda Finance – Bad credit loan

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

Benefits of Jacaranda Finance

  • Competitive interest rates starting from 48%
  • Get a loan within 2 hours
  • Bad credit loans up to $15,000
  • Affordable loan terms up to 24 months

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.

Access a Jacaranda loan with ease

With Jacaranda loans, you'll find out if you indeed qualify no longer than 60 minutes after you have completed and submitted your online loan application with them.

Their application form is one of the most streamlined among speedy loan providers and will take a mere 4 minutes to complete.

In addition to offering a fast loan application, they'll credit your approved loan in just an hour after you have signed and returned your digital loan agreement or contract.

Reasons to get a Jacaranda loan:

  • Longer loan terms of up to 12 months
  • Larger loan amounts than most payday lenders
  • They're registered with the ASIC and are a member of the Credit Ombudsman Service
  • They're quick and will credit a loan in just an hour
  • Application takes only 4 minutes
  • They treat people well
  • You can easily get hold of them via phone or email 

No early repayment fees

You can pay off your bad credit loan early and Jacaranda won’t penalise you with extra fees for doing so. In fact, they like to see their customers managing their finances better. If you can pay your loan in full right now, there is no need for them to make you drag out your repayments.

Eligibility requirements for a Jacaranda loans

To be eligible for a Cash Boost loan from Jacaranda Finance, you must meet certain criteria.

  • You must be at least 18 years old to apply for a Cash Boost loan. This ensures that borrowers are legally responsible adults capable of entering into a loan agreement.
  • Jacaranda Finance typically provides loans to Australian residents or citizens. Proof of residency or citizenship may be required during the application process.
  • You must have a regular and verifiable source of income. This can include employment income, government benefits, or income from self-employment. Proof of income, such as recent bank statements or payslips, may be requested.
  • You need to have an active bank account in your name. This is necessary for the transfer of funds and repayment transactions. Providing bank account details during the application process is essential.
  • While Jacaranda Finance considers applicants with all types of credit histories, a satisfactory credit record is preferred. A credit check may be conducted to assess your creditworthiness, but a less-than-perfect credit score does not automatically disqualify an individual from obtaining a Cash Boost loan.
  • You must demonstrate the ability to afford the loan repayments. This involves assessing the applicant's income and expenses to ensure that taking on additional debt is manageable within their financial circumstances.

It's important to note that meeting these eligibility criteria does not guarantee loan approval. Jacaranda Finance considers each application on a case-by-case basis, taking into account the borrower's unique circumstances and creditworthiness.

Before applying for a Cash Boost loan, you should carefully review the eligibility requirements and ensure that they meet the necessary criteria.

A lender that helps you in more ways than one

Not only can we provide bad credit loans, but we also provide valuable information and advice to all our customers. Before you decide to borrow, Jacaranda Finance want to make sure that you have considered any other options available to you before taking on more credit. But if this is the best option for you, submit your application and they'll see if they can assist and find the best loan offer for you.

Streamlined application procedure

The application process for a Cash Boost loan with Jacaranda Finance is straightforward and efficient. The entire process can be completed online, ensuring convenience and saving you valuable time.

Within a span of 5-12 minutes, you can submit your application, providing all the necessary information at your own pace. Jacaranda Finance utilises their advanced technology to streamline the application process, making it easy for you to engage with them from start to finish.

Prompt approval and fund disbursement

Upon submitting your application, Jacaranda Finance promptly conducts a credit assessment. Most applicants receive a decision on the same day during regular business hours. If your application is approved, you'll receive a loan offer to review, and upon acceptance by digitally signing the contract, the funds are typically disbursed to your bank account.

For customers with a New Payments Platform (NPP) enabled bank account, the funds are usually available within 60 seconds. If you don't have an NPP-enabled bank account, the funds will be available overnight on weekdays or the following business day if approved on a weekend or public holiday.

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Jacaranda Finance is a trusted & reliable provider of loans bad credit

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

✅ Jacaranda Finance is a registered credit provider in Australia: ACL 456 404

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Jacaranda Finance Contact

Physical Address

Postal Address

  • PO Box 370, Indooroopilly, 4068, Australia

Opening Hours

  • not available