Find answers to common questions about our products, services, and application process
Jokuda is an online broker specialising in business and consumer lending solutions. We offer a comprehensive range of products including business loans, asset finance, commercial property loans, personal loans, home loans, car finance, credit cards, and debt consolidation services. Our mission is to provide accessible, transparent, and competitive financial solutions to help Australians achieve their financial goals.
We are currently in the process of acquiring our Australian Credit Licence as part of our commitment to regulatory excellence. We are a proud member of the Australian Financial Complaints Authority (AFCA), ensuring independent dispute resolution for our customers. Our technology-driven platform operates in full compliance with all relevant Australian financial services laws and regulations, including the National Consumer Credit Protection Act 2009, providing you with secure and transparent financial services.
We offer multiple ways to get in touch:
For urgent matters outside business hours, you can leave a message and we'll respond within 24 hours.
Our streamlined application process typically takes:
Complex applications or those requiring additional documentation may take longer. We'll keep you updated throughout the process.
For Business Loans:
For Personal Loans:
For Home Loans:
Yes, we consider applications from individuals with various credit histories. While we do perform credit checks, we take a holistic approach to assessing applications. We consider factors such as current income, employment stability, existing debts, and the purpose of the loan. If you have concerns about your credit history, we recommend speaking with one of our loan specialists who can discuss your specific situation and available options.
Our rates vary by product and are subject to change. Current rates include:
Rates are determined based on factors including loan amount, term, security, and credit assessment. Contact us for a personalized quote.
We believe in transparent pricing. Our fee structure includes:
All fees are clearly disclosed in your loan agreement. We don't charge hidden fees or penalties for early repayment on most products.
Interest is calculated daily on the outstanding balance and charged monthly. For fixed-rate loans, your interest rate remains the same throughout the loan term. For variable-rate loans, the rate may change based on market conditions. We use a simple interest calculation method, and you can make additional repayments to reduce the total interest paid over the life of the loan.
We offer multiple convenient repayment options:
You can also set up additional repayments or change your payment frequency through your online account.
Yes, you can pay off your loan early on most of our products without any early repayment fees. This includes making additional repayments or paying the full balance. Early repayment can save you significant interest costs. You can make additional payments through your online account, mobile app, or by contacting our customer service team. We'll provide you with a payout figure if you want to close your loan early.
If you miss a payment:
We understand that financial difficulties can occur. If you're having trouble making payments, please contact us immediately. We're here to help and can discuss options such as payment extensions, hardship arrangements, or loan modifications.
We take your privacy and security seriously:
You can view our full Privacy Policy on our website or request a copy by contacting us.
We only share your information with third parties when necessary for providing our services, such as credit reporting agencies, property valuers, or legal requirements. We never sell your personal information to third parties for marketing purposes. Any sharing of information is done in accordance with our Privacy Policy and applicable laws. You can opt out of certain types of information sharing by contacting our privacy officer.
Can't find the answer you're looking for? Our customer support team is here to help you with any questions about our products and services.