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Jacaranda Finance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Jacaranda Finance suits Australian adults seeking a fixed-rate personal loan with same-day funding, debt consolidation or a secured option. Its APR of 30.98% to 46.5% and hard credit check make it more suitable for borrowers who can manage the cost and meet the lending criteria.

Key facts

Best for
Australian borrowers needing a fixed-rate personal loan with same-day funding.
APR
30.98% to 46.5%↗
Loan amount
A$3,000 to A$30,000↗
Term
25 to 48 months↗
Arrangement fee
Establishment fee $13.50 - $990 (unsecured personal loan); $125 - $1,190 (secured personal loan)↗
Credit check
Hard↗
Funding time
Same day; funds in 60 seconds after approval, otherwise overnight↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
At least 19 years of age; employed permanently or casually with consistent income for 90 days; Australian citizen, permanent resident or eligible temporary visa subclass holder; active email, phone and online banking details; fixed address↗
Loan types
Personal, Debt-consolidation, Secured, Car↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Legal entity
Jacaranda Finance Pty Ltd↗
Headquarters
Australia↗
Founded
2014↗
Support channels
Email, Phone, Chat, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
jacarandafinance.com.au

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInproductreview.com.au

Pros and cons

Pros

  • Same-day funding after approval, with an overnight fallback.
  • Fixed-rate lending across personal, debt consolidation and secured.
  • Free early repayment, so extra payments cut the interest.
  • Support runs on email, phone and chat.

Cons

  • The APR runs 30.98% to 46.5%, which may be costly for borrowers with poor credit.
  • The loan amount is capped at AUD 3,000 to AUD 30,000.
  • The lender uses a hard credit check, with a poor-credit requirement.
Jacaranda Finance

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Australians with consistent income who need a personal or debt-consolidation loan.
  • Borrowers comparing fixed-rate lending with same-day funding.
  • People considering a secured personal loan or car loan.

Who should look elsewhere

  • Borrowers wanting a loan amount above AUD 3,000 to AUD 30,000.
  • People seeking a lender without a hard credit check, since Jacaranda Finance uses a hard credit check.
  • Borrowers focused on avoiding an establishment fee, since Jacaranda Finance charges an establishment fee for personal loans.

Safety of your money

Jacaranda Finance is a direct lender based in Australia, so credit decisions and funding run through the lender itself rather than a broker or a marketplace. It holds an Australian Credit Licence, licence number 456404, which is the authorisation that allows it to lend in Australia under its own name.

How Jacaranda Finance compares

Where Jacaranda Finance is available

Available
Australia
Licence in Australia
Australia (Australian Credit Licence) (456404), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the APR?+

Jacaranda Finance offers a fixed-rate personal loan, with APRs of 30.98% to 46.5%. The rate type is fixed, so the figure holds for the life of the loan rather than moving with the market. Lending covers personal, debt-consolidation, secured and car loans, so the right option depends on the purpose and the security offered.

What is the loan amount?+

The available loan amount is AUD 3,000 to AUD 30,000. The final amount and the repayment cost depend on the application, the credit assessment and the term chosen. Jacaranda Finance lends on its own behalf as a direct lender, so the amount offered is set against income and credit profile.

What is the loan term?+

The loan term runs 25 to 48. A fixed rate applies for the life of the loan, and free early repayment is available, so borrowers who can pay more than the minimum can clear the balance sooner and cut the total interest.

What is the arrangement fee?+

Jacaranda Finance charges an establishment fee when a personal loan is taken out, and the amount depends on the account type. The fee sits in one band for unsecured personal loans and a higher band for secured personal loans, so borrowers who want the lower establishment fee should look at the unsecured option.

Who can apply?+

Jacaranda Finance uses a hard credit check and the stated credit requirement is poor. Applicants also need employment or consistent income, Australian residency eligibility, a fixed address and access to email, phone and online banking details.

What is the funding time?+

Funding time is same day, with money reaching the account shortly after approval and an overnight fallback otherwise. Same-day funding is a listed feature of the personal loans, and applications run online with email, phone, chat and a help centre for questions.

What licence does it hold?+

Jacaranda Finance is a direct lender in Australia and holds an Australian Credit Licence, licence number 456404. The business lending the money is Jacaranda Finance Pty Ltd, founded in 2014, and the lender sits in the same country as the borrowers it serves.

Sources

  • jacarandafinance.com.au checked September 26, 2026

    Backs: Lender type

    “We're an Australian-owned, operated, fully online digital lender providing fast and flexible loans”

  • jacarandafinance.com.au/about checked September 26, 2026

    Backs: Founded, Headquarters

    “We began in 2014 with a simple vision”

  • jacarandafinance.com.au/interest-rates-and-fees checked September 26, 2026

    Backs: Free early repayment, Legal entity, Pricing model, Arrangement fee, Rate type, Support channels, Term, Licences

    “You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.”

  • jacarandafinance.com.au/personal-loans checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Funding time, Loan types, Use cases

    “Personal Loans - $3,000 to $30,000”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Jacaranda Finance

Jacaranda Finance

Australian borrowers needing a fixed-rate personal loan with same-day funding.

9.1/10See alternatives