The Fast Car Loan Specialists

Car Loans

Hit the road with a fast, flexible and reliable car loan from Jacaranda Finance. Don't wait days when you could be pre-approved in 60 minutes2. Apply today and access up to $25,000 for your next car.

Google Rating
2,020+ Reviews
Word of Mouth
5,000+ Reviews
Product Review
1,310+ Reviews
540+ Reviews
Google Rating
2,020+ Reviews
Word of Mouth
5,000+ Reviews
Product Review
1,310+ Reviews
540+ Reviews

Why get a car loan with Jacaranda Finance?

When it comes to getting conditional approval, we're faster than almost every other lender out there. We give you the confidence of knowing how much you can borrow so you can buy the right car when you find it. By applying for an online car loan with Jacaranda Finance, you could be behind the wheel of your new car in a matter of hours.

  • Pre-approval in 1 hour
  • Approval for cars up to 12 years old
  • No early payout or exit fees
  • Simple & easy application
  • star

    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.

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    Dianita Miguel - Google Review

  • Car Loan details

    Loan Amount From $5,000 - $25,000
    Loan Terms 12 - 36 months
    Starting Interest Rate 10.48% P.A
    Starting Comparison Rate 12.56% P.A
    Type of Rate Fixed
    Repayment Type Weekly, fortnightly or monthly
    Early Exit Fee $0
    Monthly Fee $0 - $25
    Establishment Fee $249 - $995

    Example: Based on a excellent credit personal loan of $5,000 over 24 months, total fees and charges of $903.28 and a total repaid of $5,903.28. Based on a excellent credit personal loan of $10,000 over 36 months, total fees and charges of $2,054.24 and a total repaid of $12,054.24. Loan terms from a minimum of 12 months and maximum of 36 months. Weekly, fortnightly and monthly repayments available. Credit criteria, fees, charges, terms and conditions apply. The comparison rate on a $10,000 loan repaid over 36 months is 12.56%. 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.

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    Award-winning lender

    Our Car Loan Process

    How do we get you on the road?

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    1. Apply online in less than 8 minutes1

    Submit an application via our 100% online system and receive an outcome within 60 minutes2.

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    2. Get conditional approval

    In 1 hour we can conditionally approve you for up to 110% of the value of the car. Giving you the confidence to buy your dream car as soon as you see it.

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    3. Buy the car of your dreams

    Get the seller to send us their private sales agreement/business invoice and we’ll transfer the cash to them in under 1 minute. Then the car is all yours!

    What can a Jacaranda car loan be used for?

    We’re a fast and fair lender that’s been helping Aussies since 2013 - That’s nearly 10 years!

    New and used cars

    You can get both brand new and used cars with a Jacaranda Finance car loan, whichever suits you best. It doesn’t matter what model it is: as long as it’s 12 years old or less, is roadworthy, has under 150,000km (petrol cars) and fits within our maximum loan amount, you can get a car loan for it with Jacaranda.

    Car Loans up to $25,000

    Don't wait days for approval with other lenders. Apply now with Jacaranda Finance and get an outcome in 60 minutes2.

    THE NEW-CAR-LOAN giveaway

    A chance to win with every car loan*

    To celebrate the launch of our new car loan, we’re giving away a $1,000 fuel voucher to one lucky customer. To get a chance at winning, all you need to do is apply for a Jacaranda car loan and be approved by the 31st of August, and you’ll be automatically entered into the draw.*

    Learn more

    OVER 5,100 REVIEWS

    Customer Testimonials On Trusted Platforms

    • star

      Super easy and fast system, applying was seamless and money was instant! Hide

      Super easy and fast system,... See More

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      - Shaan Johari

    • star

      Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. Hide

      Jacaranda is always helpful, wonderful... See More

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      - naomie falconer

    • star

      Brilliant service and quick action during application process the best there can be when it comes to quick loans. Hide

      Brilliant service and quick action... See More

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      - Nathan Ross

    • star

      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. Hide

      It is easy to apply... See More

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      - Dianita Miguel

    • star

      Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. Hide

      Excellent service once again from... See More

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      - Jim Mccullough

    • star

      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. Hide

      Excellent 5 STAR customer service... See More

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      - Brendan Lau88

    See all FAQs

    Frequently Asked Questions

    Want to know more? Find out the answers to the most common queries about our Car loans.

    A car loan is essentially just a personal loan used specifically for buying a car. Unlike many personal loans which can be unsecured - not having an asset used as security on the loan - car loans are always secured loans. This means the lender can repossess the car and sell it should you be unable to meet your obligation to repay the loan.

    When you take out a car loan, you're borrowing money from a lender. Over time, this money needs to be paid back with additional interest.

    The size of your repayments will be influenced by your loan amount, interest rate and fees, the length of your loan and more.

    With Jacaranda Finance, you can choose to make your repayments weekly, fortnightly, or monthly. By speaking to one of our friendly team members, you also have the flexibility to choose the date of your repayments.

    When buying a car, you often choose to pay off a portion of the car’s value at the end of your loan instead, reducing what you borrow and therefore making your repayments smaller. This is known as a balloon payment.

    Balloon payments can be big - sometimes as big as 50% of the total loan - and can catch people by surprise when their loan expires.

    When applying for a Jacaranda Finance car loan, you'll need to have some documents handy to ensure your application is fast, smooth and successful.

    Depending on your situation, you'll generally need the following:

    • Your current driver's license and the car's registration (if you have one in mind)
    • Other Australian identification (like a passport)
    • Proof of income, like some recent payslips
    • A roadworthy certificate for the car
    • Pictures of the vehicle (inside and out)
    • The seller's bank account and driver's license (if you're buying privately) and more.

    We will tell you exactly what you need when you start your application.

    Yes! You can choose to pay above the minimum required repayments if you want, as this will shave both money and time off your overall loan.

    We actually encourage you to do this at Jacaranda as it’s a sign of being a trustworthy borrower, and we don’t charge any early repayment fees as a result. All you need to do to make extra repayments is contact our customer service team or log into your client portal and choose what’s best for you.

    we're here to help

    Need a hand?
    24hr loan processing

    As Jacaranda Finance operates 100% online, we do not accept applications over-the-phone. However, if you need assistance navigating what loan is best for you, our team is more than happy to answer your questions.