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BetterCredit App
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Make extra repayments & request statements and repayment date changes
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Jacaranda Finance is a specialist Australian lender providing fixed-rate personal loans and car loans. Your credit score is one part of the picture. We also consider your current income, spending and ability to afford repayments alongside your credit history.
Subject to lending criteria, terms and conditions. See below for details.
Subject to lending criteria, terms and conditions. See below for details.
Apply & sign your loan contract before 21 December, 2026 and go into the draw to win $50,000 cash or a brand new BYD Shark 6^.
^ Terms and conditions apply.
We offer personal loans and car loans to eligible Australians, including people whose credit history isn't perfect. If your current income and expenses show you can afford the loan responsibly, a low credit score, defaults or missed payments do not automatically rule you out. Approval is subject to our eligibility and responsible lending criteria.
Unsecured personal loans from $3,000 to $15,000. Secured personal loans from $3,000 to $30,000. Fixed interest rate for the life of your loan, no early repayment fees, terms from 25 to 48 months.
Common uses include debt consolidation, household purchases, repairs, medical or dental expenses, moving, education, travel and significant family events.
Secured car loans from $3,000 to $40,000. Terms available up to 48 months. Same-day pre-approval available for most applicants.2
For eligible vehicle purchases, dealer or private sales, refinancing an existing car loan, or resolving a balloon or residual amount.
Our personal loans and car loans cover a range of practical needs. These are the most common.
Your credit score is one part of the picture. When you check if you qualify, Jacaranda Finance considers your current income, regular expenses, banking information over recent months, existing financial commitments and your ability to comfortably afford repayments, alongside your credit history.
A credit score that has been affected by past events may not tell the full story of where you are today. If your current income and expenses show you can afford the loan responsibly, we can consider your application on that basis. Approval is not guaranteed.
No. Potential eligibility is checked using a soft credit enquiry that does not affect your credit score.*
Yes. Credit history remains part of the assessment, alongside your current financial information and affordability.
No. Your current situation is considered alongside your credit history, subject to eligibility, lending criteria and responsible assessment.
Jacaranda Finance is a specialist Australian consumer lender providing fixed-rate personal loans and car loans to eligible customers. Founded in 2014 and headquartered in Brisbane, Jacaranda Finance holds Australian Credit Licence 456404 and operates under Australia's consumer-credit and responsible-lending framework.
Jacaranda Finance is not a bank, payday lender, wage-advance provider, Buy Now Pay Later provider or loan broker.
Award-winning lender
We think the strongest thing we can say about our service is what customers, regulators and industry bodies already say about us.
74,000 +
Australians funded with a personal or car loan since 2014.
4.9/5
average Google rating across 5,000+ customer reviews.
2025 & 2026
Back-to-back WeMoney Award Winner - Personal Loans, Car Loans and Accessible Credit
AFCA
Member of the Australian Financial Complaints Authority
Every loan application involves sharing information about your finances, and we treat that information the way you would expect a regulated Australian lender to treat it.
Your application data is protected by 256-bit SSL encryption. Access to your account through the BetterCredit app is secured with bank-grade authentication. We collect, use, store and disclose personal information in line with the Privacy Act 1988 and the Australian Privacy Principles.
You can review our full approach at any time.
Jacaranda Finance offers personal loans between $3,000 and $30,000 and car loans between $3,000 and $40,000. All loans come with a fixed interest rate for the life of the loan. Individual interest rates, fees and terms depend on your assessment and are shown to you before you accept any offer.
Your credit score is one part of the picture. Jacaranda Finance considers your current income, regular expenses, banking information over recent months, existing financial commitments and your ability to comfortably afford repayments, alongside your credit history. Approval is not guaranteed.
A previous decline does not guarantee or prevent a Jacaranda Finance approval. Your current situation is considered alongside your credit history, and our current eligibility and responsible-assessment requirements apply.
Most people complete an application in 5-12 minutes1. The time depends on how quickly you can provide the information we ask for.
If your application is approved and your contract signed, funds are released automatically. Customers with NPP-enabled bank accounts usually receive money within 60 seconds.3 Other customers receive funds by the next business day.
Yes. If you proceed to a full application, Jacaranda Finance performs a credit check, and that enquiry is recorded on your credit file. Checking whether you qualify beforehand uses a soft enquiry and has no impact on your credit score.*
A 48-hour cooling-off period applies to every Jacaranda Finance loan.4 How to cancel is set out in your loan contract.
Reading up on how loans work, what affects your credit score and how to compare options helps you make a decision that fits your situation.
Our customer service team is available six days a week. If you have a question before you apply, during the process or after you have taken out a loan, you can reach us directly.
Effortlessly manage your loans
