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Discover Jacaranda Finance

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CASH TO YOUR BANK

We give you the outcome of your application with 60 minutes
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FAST APPROVALS

Quick Turnarounds & Decisions
$300 $4600
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Cash Advance Loans for unexpected expenses up to $4,600!

Here’s what you need to know about Jacaranda Cash Advance loans

There’s nothing worse than finding yourself strapped for cash, not knowing where to turn. It can be stressful, and it can give you a headache. Nevertheless, we’ve got a solution… it’s called a cash advance. Cash advance loans can be incredibly useful for when you find yourself in a situation where you need cash fast. That’s because getting a cash advance is super quick and easy to apply for. You can even expect to receive your cash within the same day! So, if you’re keen to find out more about our cash advance loans? We have all the information for you.

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WHAT IS A CASH ADVANCE?

Cash advances often refer to when you receive money ahead of time that you repay later. In other words, they are a type of loan. Cash advances are useful for when you need pay for something but don’t have the funds readily available to do so.

Some cash advances can come from your employer. Whereby you make a request to receive some of your income ahead of time. You can also get cash advances with Centrelink, meaning you can receive some of your income support early. In addition to a loan cash advance, a credit card cash advance, refers to your ability to withdraw funds from your credit card. With us, cash advances work in a similar way except you repay it along with a fixed interest rate, which is the cost of borrowing the cash advance loan.

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HOW DO I APPLY?

To apply for cash advance loans, the first thing to do is to jump online. All you have to do is fill out our easy online application form. Once, you’ve done that, you have taken the first step towards securing yourself a cash advance loan.

What do information do I need in order to apply?

To apply for cash advance loans, you’ll need internet connection, and access to a device that connects to the internet. In addition, as part of your application, there are a few eligibility to meet. The following is a list of the things required:

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AM I ELIGIBLE TO GET A CASH ADVANCE?

There are some requirements that you need to meet to be eligible to get a cash advance. This is because we take our responsibility as a responsible lender very seriously and don’t just lend to anyone. Therefore, you can get a cash advance with us if you are:

TO
QUALIFY
FOR ONE OF OUR PERSONAL LOANS, YOU MUST:

age-18
Be over 18 years of age

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Receive a regular income into a personal bank account

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Receive at least $400 per week or $800 per fortnight income

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Be an Australian citizen, or have permanent residency

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Have a direct contact number

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CAN I GET CASH ADVANCE LOANS WITH NO CREDIT CHECK?

If you’ve got bad credit you may be looking to see if you can get cash advance loans with no credit check. Well, you’ve come to the right place. At Jacaranda you can get an instant cash advance online no credit check required! We prefer to look at other factors to give us an indication of your relationship to credit. For instance, we look at your recent financial history, which demonstrates to us whether you will be reliable with making your repayments on time.

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HOW MUCH CAN I BORROW?

At Jacaranda, we do two different type of cash advance loans. The first type is small personal loans. With these types of cash advance loans, you can borrow between $300 to $2000 repaid over a loan term of 12 months.

Our second type of cash advance loans is called medium secured personal loans. The cash advances are slightly larger, where you can borrow between $2,100 and $4,600 which can be repaid over 13 – 24 months.

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HOW MUCH DOES IT COST TO GET A CASH ADVANCE?

Our smaller cash advance loans, come with an establishment fee of 20% the loan amount, as well as additional fees of 4% per month.

With our medium cash advance loans, they cost an establishment fee of $400 plus additional fees of 48% per annum.

To give you a better idea of how much your repayments would be for borrowing our cash advance loans check out our cash advance calculator.

There is also a direct debit dishonour fee of $35 if you miss any of your repayments. A useful website to visit is the Moneysmart website. It outlines the permissible fees and charges for these types of loans.

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HOW DO I REPAY MY CASH ADVANCE LOAN?

To make your repayments, we set up an automatic direct debit system. That way your payments can come out of your account automatically so that you don’t have stress about making your payments on time. This can be set up so that your payments come out of your account on a weekly, fortnightly or monthly basis until your loan is completely repaid.

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WHAT CAN I DO WITH CASH ADVANCE LOANS?

They can come in handy for a variety of reasons, though often they can be most useful when you need to pay for something asap. Here is an example of some of the ways cash advance loans can come in handy:

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WHY SHOULD I BORROW CASH ADVANCE LOANS FROM JACARANDA?

There are several reasons why it’s great to borrow cash advance loans from Jacaranda. Here is a list of some of the following reasons why you should come to us for your cash advance needs:

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THINGS TO WATCH OUT FOR WITH CASH ADVANCES

Cash advances can be great solutions for emergencies. Nevertheless, there are some things to keep in mind before deciding to borrow a cash advance.

Can I afford the repayments? A good question to ask yourself is whether you’ll be to afford the repayments. Can the repayments safely fit into your budget and allow you enough breathing space to pay for all your other bills. The last thing you want is to leave yourself short, and unable to repay your bills.

Have I met the eligibility requirements? Before applying ensure that you have checked the eligibility requirements. Otherwise, you’ll just be wasting your time.

Is now the right time to borrow? Do you have many other financial commitments going on the same time? If so it could be worth considering waiting for these commitments to free up a little bit before you take the plunge into more debt.

What is the purpose of my cash advance? If your reason for getting cash advance loans is not super specific you could risk getting yourself into unnecessary debt. Cash advance loans should be to serve the purpose of keeping up with everyday expenses. This is dangerous and you could end up getting yourself into unnecessary debt this way.

Ultimately, cash advance loans are great solutions to cover expenses that you couldn’t otherwise pay without them. They are easy to apply for and you can receive them straight away. Since they are 100% online there is no messy paperwork, so no mucking around trying to get your documents together. If it sounds like the solution for you, go ahead and apply now!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.

Terms

16
weeks minumum
50
weeks maximum

Example:

Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Here's what you need to know about Jacaranda Cash Advance loans Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

★★★★★
5 5 1
Very fast easy to apply thank you so much