Rating based on 10 reviews

Jacaranda Finance

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

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Jacaranda Finance homepage
Author Jacaranda Finance. Screenshot of Jacaranda Finance website.
[Accessed March 15, 2023]

About Jacaranda Finance

Stressed about your bad credit history? Don’t be! Jacaranda Finance is an award-winning lender specializing in bad credit loans, consolidation loans, car loans, personal loans, and more.

Jacaranda is 100% online. So, they do not accept applications over the phone. However, their friendly and experienced team is ready to answer any questions you may have. They pride themselves on giving everyday Aussies a fair go at finance.

Get the finance you need

There are approximately three million people in Australia who are deemed ‘unbankable’ by traditional financial institutions. Jacaranda Finance is passionate about enabling these people to also have access to financial products.

They don’t charge any processing fees for unsuccessful applications, nor do they charge early settlement fees for early paid-off loans. Transparency, honesty, quick outcomes, and painless processes are what they stand for.

Secured bad credit loans

Jacaranda Finance has been providing thousands of Aussies from all sorts of financial backgrounds and struggles with bad credit loans.

If you’ve been missing payments, are blacklisted, have credit defaults against your name, and are worried about how bad your credit score is, give Jacaranda Finance a try. They care mostly about whether or not you can afford the loan repayments. 

When you have a bad credit score for example credit defaults, court judgments and summons, part 9 debt agreements, and bankruptcy agreements you can still qualify by securing your loan with a paid-off asset like your car.

Jacaranda Finance Services

While other lenders only look at your credit score to make a decision, they look much deeper than that.

They consider other factors like your employment status, pre-existing financial commitments, and income. As long as you can afford the repayments you are good to go!

They have small bad credit loans that are unsecured between $300 and $2,000 that can be paid off in 12 months. Medium bad credit loans are secured between $2,100 and $4,600 and can be paid off within 13 to 24 months.

Lastly, they have large bad credit loans that are secured ranging from $5,000 to $15,000 with a 13 to 24-month repayment plan.

Quick, reliable, and 100% online

A personal loan can be used for just about anything from fixing a car to a well-deserved holiday.

Get access to a secured or unsecured loan amount between $5000 and $15,000 that you can pay off weekly, fortnightly, or monthly within a 12-to-24-month period.

Car Loans – New and used cars

Get your dream car with a car loan of $5,000 to $35,000 that you can pay off on a weekly, fortnightly, or monthly basis, within 12 to 48 months. You can apply for a secured or unsecured car loan.

Jacaranda Finance – Bad credit loan

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

Benefits of Jacaranda Finance

  • Apply for a loan online
  • Bad credit scores welcome
  • Quick and easy loan applications

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.

Jacaranda Finance, your Blacklisted Loan Specialists

Jacaranda Finance believed that people with bad credit should have the same access to finance as a person with good credit. Their bad credit loans are simple and easy.

Apply online in three simple steps:

  1. Apply for a loan online
  2. Get your quick outcome
  3. Receive your cash

Have the following supporting documents ready

  • Your basic personal information
  • 100 points of identification
  • What do you intend to use the loan for
  • Your online banking login details

To qualify you must:

  • Be 18 years of age or older
  • Have internet banking for the account you receive your salary in
  • Have a regular income reflected in your account
  • Bank statements for at least 90 days. This can be from different bank accounts.
  • Be a permanent resident or an Australian citizen

The benefits of applying with Jacaranda Finance

  • They lend to people with bad credit, good credit, and no credit rating at all.
  • 100% online
  • Simple and easy application
  • Quick loan outcomes
  • Instant transfers
  • Secure and unsecured loan options
  • Small, medium, and large loans
  • Competitive ratings

Jacaranda Finance – A trusted Australian lender

They are licensed by the Australian Securities and Investment Commission (ASIC) and are a member of the Australian Financial Complaints Authority.

They aim to help Australians move forward in life by aiding them with their financial needs. You can expect to be treated with the same respect and care as a dear friend in need when you contact them.

Consolidation Loans – Get rid of your debt the right way

You can consolidate multiple debts into a single loan with Jacaranda Finance. They have small, medium, and large, secure, and unsecured consolidation loans available to assist you.

Representative example

Examples only provide an estimate, not an offer for credit. The amount you can borrow as well as the rate you receive may vary once you complete an application and all relevant details are captured and verified. Example figures may be rounded. Based on a personal loan of $10,000 over 36 months and a comparison rate of 48%, total fees and charges total $9,038.96 and a total repaid of $19,038.96. 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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Jacaranda Finance is a trusted & reliable provider of bad credit loans

In our review, Jacaranda Finance adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, 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

Customer Reviews & Testimonials

October 2020

The application takes a few seconds can’t even say minutes cause it really goes super quickly and then you will get your message to alert you that your loan has been processed.

Elizabeth M
— Perth —

February 2021

With the excellent service that I was given, I will be back they take the time to make sure that you are secure with paying the amount back.

John R
— Sydney —

September 2020

They have helped me get the perfect loan and also taken the time to sit down with me and explain all that I needed to know about my loan.

Jenny C
— Brisbane —

Jacaranda Finance Contact

Physical Address

Postal Address

  • PO Box 370, Indooroopilly, QLD, 4068, Australia

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 16:00
  • Saturday 08:00 – 12:00
  • Sunday – Closed