When the
banks say NO,

Give us a GO!
  • WeMoney 2025 Award Winner,
  • ProductReview 2024 Award Winner, Jacaranda Finance: Top Performing Personal Loan Lender logo
  • Apple App Store Logo
  • Google Play Store Logo

Check If You Qualify

With no impact on your credit score*!

*Subject to lending criteria, T's and C's'

*Subject to lending criteria, T's and C's'

Borrow up to $25,000 and start your journey towards a better credit score

Select Your Product

Need a bigger loan for some key expenses?

A Jacaranda Personal Loan has a maximum loan amount of $25,000. That’s up to 41 times more than other online lenders out there!

The image is for comparison purposes only and is accurate as of August 2025. Jacaranda’s maximum loan amount is based on our Secured Personal Loan. Afterpay is a BNPL product with a starting credit limit of around $600 for new customers. Afterpay’s credit limit can be increased based on repayment history. Different products have different loan sizes, and results may vary. See each product's T&Cs for more details.

Funds in 60s

to PAYID Enabled Banks
Commonwealth Bank of Australia
Westpac Bank
Suncorp Bank
ANZ Bank
National Australia Bank
Who are we

About Jacaranda

Every year, the banks fail millions of Aussies who need to borrow money. This is often purely because they don't have a high credit score, even if they've been good with money lately.

We think that's unfair, as your credit score doesn't define you. So, when that happens to you, come and talk to us.

We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans.

Our Mission? To be a credible backup plan for everyday Australians if their initial choice for a loan is declined.

Click here to learn more about what makes Jacaranda great!

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Aussies Helped With A Loan
+
Loans Approved
/5
Google Rating
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Years Helping People
Over 5,000 reviews

Trusted By 1,000s

Google logo 4.9/5
Word of Mouth logo 4.8/5
ProductReview logo 4.7/5
TrustPilot logo 4.9/5
  • Google Logo
    Brendan Lau88 - Google Review
    Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
    Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.
  • Google Logo
    Shaan Johari - Google Review
    Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
    Super easy and fast system, applying was seamless and money was instant!
  • Google Logo
    naomie falconer - Google Review
    naomie falconer Rated Jacaranda Finance 5 out of 5 stars
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
  • Google Logo
    Nathan Ross - Google Review
    Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
    Brilliant service and quick action during application process the best there can be when it comes to quick loans.
  • Google Logo
    Dianita Miguel - Google Review
    Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
    It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.

Building Better Credit Starts Now

If you've been rejected by a bank, we have a range of tools and features that could help you improve your credit score and increase your chances of getting approved next time.

How to apply with Jacaranda Finance

We Make Applying Easy

If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. You can:

  1. Apply in just 5-12 minutes1
  2. Receive a same-day outcome2 on your application
  3. Get your money within 60 seconds3 if approved

Check if you qualify for one of our Personal Loans today!

Data security and privacy

We take your security seriously

We go above and beyond to protect your information and data in the Better Credit app.

Through bank-grade security, secure logins and 256-bit SSL data encryption, checking your credit score in the Better Credit app is completely safe.

See here for more information

Your data is secured by
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Data security
Frequently Asked Questions

Jacaranda Finance FAQs

Read some of our most frequently asked questions below to learn more about Jacaranda and our products.

Need a Hand?

Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you.

You can easily get in touch online or via the Better Credit app. Jacaranda's customer service team is available to chat six days a week, and services are available online 24/7.