Jacaranda Finance is an Australian digital lender founded in 2013/2014, based in Milton, Queensland. The company specializes in providing fast and flexible personal and car loans, particularly for individuals who have been rejected by traditional banks. As a responsible alternative lender, Jacaranda Finance uses technology to streamline loan approvals while adhering to regulatory standards. The company offers unsecured personal loans for short-term cash needs, fully online car loans, and secured Large Amount Credit Contracts (LACCs) up to $10,000. Their proprietary underwriting system, known as the "Edge Score," analyzes up to 12 months of bank statements to assess borrower risk, allowing for same-day approvals. Jacaranda Finance primarily serves Australians with fair-to-poor credit histories, focusing on those who have shown recent financial responsibility. Jacaranda Finance has been recognized as a Top Performing Personal Loan provider in 2024 and continues to grow its customer base through its unique scoring system and transparent fee structure. The company operates entirely online, ensuring 24/7 accessibility and emphasizing financial education to support customers' long-term financial health.