We're so much more than a lender finder
We believe most people are misrepresented financially and that current lending models aren't sustainable.
Current lending models aren't sustainable.
What does that mean?
The way that we earn and spend money has changed. People find it difficult to predict their spending, and it difficult to tell what will be left over at the end of the month. Traditional lenders aren’t able to accurately capture what we’re all getting in and spending each month and often say no to good applications, lend to people who actually can’t afford their loans.
Why does it matter?
Irresponsible lending creates two things - a bad reputation for this industry and desperate people ending up in situations they can’t get out of. Traditional lenders ask for the basics, and get you to assume what you spend. We make sure we know exactly what’s coming in and going out and that you only get what you can afford. Yep, we’ll even track that Netflix bill and we’ll do it all without you having to lift a finger.
Sometimes you need a little cash to see you through.
We understand that you needed it yesterday.
We also understand that the money you borrow today can affect you down the line, which is why we’re committed to helping you carve out a future of financial wellness.
We can find loans from $300 to $5,000
We’ve built backend systems that speed up and verify the boring part so we can focus on what matters - getting you your money.
That’s where we are different; we take the positives out of traditional and modern day lending to approve more loans quicker. We offer one of the quickest Personal Loan finder services in the country. Most of our clients have an outcome on their Personal Loan application within 1 hour of submitting the completed loan application.
Personal Loan Repayment
Unlike a Payday Loan or a Cash Advance, our Personal Loan repayment period gives you some breathing space while repaying. This means your repayments will be lower and, in most cases, more affordable. We don’t charge a processing fee if you are unsuccessful with your loan application, nor do we charge an early settlement fee if you pay off your loan early. We're proud of our local heritage and embody what it means to be Australian. We're homegrown, down-to-earth and always try to look on the bright side. We’re here to help - it’s as simple as that.
Our aim, regardless of the outcome of your loan application, is to help you move forward in life. Regardless of where you are in your life, know that you'll be welcomed at Jacaranda Finance and treated with the same respect and care that we would a dear friend in need. We're aware of the stigma attached to our industry, and use transparency, honesty and damn good service to prove that we are the lender for you and, we always try to imagine ourselves in your shoes - be they thongs, work boots or high heels
Our mission is to provide Australians with a solution to a short-term cash flow shortfall.
We achieve this by using our quick and efficient processing techniques whilst complying with responsible lending practices.
We are completely transparent about our fee’s and charges, therefore customers know exactly what they need to repay and when.
Jacaranda Finance is licensed by the Australian Securities and Investment Commission (ASIC) and is a member of the Credit Ombudsmen’s Service.
Our Australian Credit License number is 456404. Our ABN is 53 162 078 195.
The Jacaranda Promise
I - We will always be transparent
There can be no trust without transparency. We will always show you the total cost of a loan up front, as well as all the fees and charges associated with a Jacaranda loan. Nothing is ever hidden.
II - We will always act ethically
Our aim is to make your life a little easier. We will always act in a fair and reasonable manner and be consistent and ethical.
III - We will always be fast and easy
We utilize the best technologies and procedures to deliver you with a fast and informed decision about your application.
IV - We will always be super serious about security and privacy
V - We will always be available
If you strike financial hardship and are going through a tough time, we can help. Our highly trained customer service operators are friendly and easy to deal with. They will always be happy to help where they can.
VI - We will always look after loyal customers
After your first loan, it is quicker and easier to apply again with us. We will also reward you for recommending us to your friends. Contact us today for more details you could earn up to $100 for every friend you refer (T&Cs Apply).
Examples of what loans might cost.
Interest Rate between 1.5% and 20% per month.
$2,500 repaid over 13 months would have 56 weekly repayments of $75.05. Total interest $1702.80. Total amount repayable $4,202.80. This example is based on a monthly interest rate of 9% and an AIR of 108%. WARNING: This is a repayment estimate only. Your lender will determine the exact fees, terms and loan amounts available for you, which may alter your repayments. Annualised Interest Rates (AIR) could be as high as 620.5% depending on your personal situation.
Note, your lender may offer you different terms, fees or loan amounts based on your individual circumstances, needs and their own lending criteria. Please check your contract before signing.