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$10K Personal Loans Online
If you have been searching for a $10,000 loan, Jacaranda Finance offers eligible Australians personal loans from $5,000 up to $25,000, 100% online. We offer flexible repayment terms and competitive rates.
Express personal finance, apply online from anywhere
Award-winning customer service
Up to $25,000 secured, $15,000 unsecured
Check If You Qualify
With no impact on your credit score!
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'
If you have been searching for a $10,000 loan, Jacaranda Finance offers eligible Australians personal loans from $5,000 up to $25,000, 100% online. We offer flexible repayment terms and competitive rates.
Express personal finance, apply online from anywhere
Award-winning customer service
Up to $25,000 secured, $15,000 unsecured
Award-winning lender
Need an express $10,000 loan?
Jacaranda Finance offers express loans from $5,000 to $25,000 for a variety of purposes, with unsecured loans available for up to $15,000.
Our business operates 100% online, so no long wait times or paperwork - just simple and streamlined loan processes. Apply for a $10,000 loan and you could receive an outcome on the same day2 during normal business hours.
Secured vs unsecured loans
Jacaranda offers two different loan types: secured and unsecured. Our secured loans involve attaching something of value to your loan as security, often a car or vehicle. Unsecured loans, on the other hand, don't require any kind of security in the loan contract.
As unsecured loans tend to carry a slightly higher level of risk, our maximum loan amount for unsecured loans is $15,000. To access our maximum loan amount of $25,000, you must attach security to your loan contract.
How to apply for a $10k Jacaranda Personal Loan
Applying for a personal loan with Jacaranda Finance is both simple and fast thanks to our 100% online technology.
See below for how our application process works, or click here to get started, it's easy.
Loan Details
Loan Amounts:
$5,000 to $25,000 ($15,000 unsecured)
Loan Terms:
24 months to 48 months
Loan Type:
![Show the About Security modal]()
Secured and unsecured
Rate Type:
Fixed rate
Repayment Options:
Weekly, fortnightly or monthly
THE APPLICATION PROCESS
We Make Applying Easy
We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.
That’s why our loan application process has been perfected over time to be as simple and quick as possible.
Why you'll love dealing with Jacaranda
At Jacaranda, we know that sometimes life can throw the unexpected at you. That's why we're on a mission to assist hard-working Australians with fast, reliable and responsible access to finance for life's expenses when you get caught short. We're 100% online, Australian-owned and operated, and we make applying for finance simple and fast.
Here are some other reasons our customers love us:
- We've been providing finance to hardworking Australians for nearly 10 years. We've already helped over 50,000 customers and we have thousands of positive reviews.
- Get started with an application and be done in as little as 5-12 minutes1 or once you've started an application come back and pick up where you left off in your own time. The application time varies per customer and it might take you longer.
- Our smart technology allows us to get back to you with a fast outcome. Most applicants get a same-day outcome once the application is completed2 during normal business hours.
- If you accept our loan offer by signing your digital contract the funds are usually in your bank account and ready to use within 60-seconds3 if you have a New Payments Platform (NPP) enabled bank account. If you don't, your funds are usually available overnight.
- Our friendly and respectful Australian-based customer service team are here to help you. Existing customers can log into the self-service customer portal, 24/7, 365 days per year.
- Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan. Simply contact our customer service team.
Don't just take our word for it
We strive to offer superior customer service - our Australian-based teams are friendly, personable and helpful and most of the time the first person you deal with can assist with your query. We're open on Saturdays too!
Don't believe us? Check out what scores of happy previous Jacaranda customers have had to say below!
Trusted by 1,000s
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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 - See MoreIt 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. - See Less
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Super easy and fast system, applying was seamless and money was instant!Super easy and fast system, applying was seamless and money was instant! - See Less
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Fast, reliable service had money in acc same dayFast, reliable service had money in acc same day - See Less
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
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Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. - See MoreJacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! - See Less
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So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See MoreSo jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
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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 - See MoreExcellent 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. - See Less
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Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up - See MoreJacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. - See Less
What can you use an express $10k Loan for?
Jacaranda's express personal loan product is typically suited for larger expenses up to $25,000, but you can apply for up to $15,000 unsecured.
Our personal loans have fixed interest rates and you may use them for a variety of reasons. If approved, you'll borrow a set amount of money and pay it off with set weekly, fortnightly or monthly payments over a scheduled period of time.
You can take out a Jacaranda Finance personal loan for some of the following reasons:
Home repairs
Whether it's cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you’ve been putting off.
Home renovations & installations
You can use our home renovation loans to improve your home via renovations, remodelling, installing tech like solar panels, landscaping, and much more!
Car repairs
When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Our car repair loans can help you get back on the road in no time.
Debt consolidation
If you're juggling multiple loan & credit card repayments, you can consolidate them into one easier-to-manage loan with Jacaranda with a debt consolidation loan, provided all other repayments are up to date and on time.
Holiday & travel costs
You deserve a refreshing getaway, but travelling is expensive! Our holiday loans can be used for flights, accommodation, and other costs that come with booking a holiday.
Weddings
Whether it's for the ring, the dress or the venue, let a Jacaranda wedding loan alleviate some of that wedding stress and help you pay for your special day.
Rental bond & moving costs
A Jacaranda rental bond loan can help you manage medium expenses such as bonds and with removalists and lets you take some of the stress out of moving.
White goods & furniture
Applying for a white goods loan with us can take the stress of a key appliance breaking down: you could receive your money on the same day and hop online to shop for a new one.
Vet bills
Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda Finance could have a vet bills loan to suit you.
Medical bills
Some medical procedures can cost hundreds if not thousands of dollars! You can turn to Jacaranda for a personal loan to help pay for any large medical bills.
Am I eligible for a Jacaranda loan?
The basic eligibility criteria you must meet before submitting an application:- Be at least 19 years of age.
- Be employed on a permanent or casual basis.
- Have a consistent income going into your own bank account for the last 90 days.
- Be in control of your finances and be handling existing financial commitments comfortably.
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, and online banking account in your name that belongs to you.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
- You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
- You are not comfortably repaying your existing financial obligations
See all FAQs
10k Loan FAQs
Want to learn more about our personal loans and how they work? Find out all the answers to our most common questions here.
You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000.Â
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.
Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria, loan amount, and loan term for which you qualify.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
Yes, there are a number of ways that you pay out your loan ahead of the loan term specified in your loan contract at no additional cost.
To pay out your loan early or make extra repayments, log into the FastMoney mobile app or customer portal and choose from a range of options such as debit card payment, bank transfer or direct debit.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
Review our Privacy Policy for more information.
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
Anyone unsatisfied with their loan for any reason can return the principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan4.
If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.
we're here to help
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. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
