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Jacaranda Finance Unsecured Personal Loan (Fixed, Excellent Credit)

Advertiser disclosure
Interest rate from
7.59% p.a.to 8.89% p.a.
Comparison rate from
12.24% p.a.to 13.91% p.a.based on $30,000
over 5 years
Upfront fee
$699

Mozo editorial review Jacaranda Finance Unsecured Personal Loan (Fixed, Excellent Credit)

Last updated: 22 September 2020.

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What's hot
  • Fixed interest rates starting from 7.59% (comparison rate* from 12.24%)
  • No monthly service fees
  • Extra repayments and redraw available
What's not
  • $699 application fee
Mozo snapshot

Got excellent credit and are in need of a personal loan? Why not consider the Jacaranda Finance Excellent Credit Unsecured Personal Loan? This unsecured personal loan features fixed rates that start from 7.59% (comparison rate* from 12.24%) for borrowers with excellent credit. Plus, there are no monthly services or exit fees! 

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Key features

The Jacaranda Finance Excellent Credit Fixed Unsecured Personal Loan gives borrowers with excellent credit the opportunity to snag a great interest rate. Depending on credibility, borrowers will have access to fixed rates ranging from 7.59% to 8.89% (comparison rate* from 12.24%). There are also no monthly service fees with this loan, allowing borrowers to put every dollar toward paying off their loan. 

You’ll be able to borrow up to $30,000 (minimum loan amount $10,100) for terms between 1 to 5 years. There’s also the flexibility to choose your repayment schedule for a time that suits you best, on either a weekly, fortnightly or monthly basis. 

As this loan is unsecured, you won’t have to provide any collateral in order to be approved. And according to Jacaranda Finance once you are approved for the loan, you’ll have the money deposited into your bank account within 60 seconds! 

This unsecured personal loan also comes with some handy features, like the ability to make extra repayments to your loan with no penalty. And if you ever need to withdraw any of those additional repayments, you’ll be able to tap into the redraw facility attached to your loan. 

In terms of fees, there is a considerable $699 application fee to consider, which will need to be paid upfront. Other fees include a $35 late payment fee if you ever miss a repayment. 

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Who is it good for

The Jacaranda Finance Excellent Credit Unsecured Personal Loan could be a great fit for Aussies with a pristine credit history who want to take advantage of a low interest rate. This personal loan might also be a good pick for those looking to pay the loan off as fast as possible, as extra repayments are permitted. 

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Any catches

If you are thinking about applying for the Excellent Credit Fixed Unsecured Personal Loan, just keep in mind you will need to budget for the $699 application fee. It’s also worth reminding that in order to be eligible for that 7.59% fixed rate, you will need to have an excellent credit history. 

Details

Rates and fees information correct as at 28 November 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Fixed

  • 7.59% p.a.to 8.89% p.a. fixed

  • 12.24% p.a.to 13.91% p.a.based on $30,000
    over 5 years

Fees
  • $699.00

  • $0.00

  • $35.00

  • $0.00

  • 0

Other financial bits
  • $10,100.00

  • $30,000.00

  • 1 Year

  • 5 Years

  • Unsecured

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • Rates and fees for applicants with an excellent credit score.

  • none

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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This product is not currently reviewed.

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