Cash Loans
Are you searching for cash loans? Perfect! You’ve landed in the right place. Jacaranda Finance offers quick, paperless, and 100% online cash loans.
I would like to borrow
$5,000
$and pay it back over
17 months
$159.53
estimated
Estimated repayments starting from
GOOGLE RATING
2,000+ reviews
Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.
Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.
How do I get approved?
Start the application process
Apply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.
Apply online, it’s simple and easy
Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.
Accept your contract & we release your money instantly
Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).
Manage your account effortlessly
Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.
Cash Loan Details
| Loan Amounts | $5,000 – $15,000 |
|---|---|
| Loan Terms | 12 – 24 months |
| Starting Interest Rate (APR) – Excellent Credit Check out our Rates & Fees page for all rate bands. |
10.48% |
| Starting Comparison Rate – Excellent Credit Check out our Rates & Fees page for all rate bands. |
12.56% |
|
Based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. |
|
| Type of rate | Fixed Rate |
| Repayment options | Weekly, Fortnightly, Monthly |
| Monthly account keeping fee | $0 to $25 |
| Early repayment fee | $0 |
| Average turnaround | 60 minutes2 |
| Loan Options | Unsecured & secured options |
Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 12 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.
Get your cash in 60-seconds once approved3
Two types of cash loans
Medium Loan
Security Options: Secured and Unsecured
Loan Amount: $2,500 to $4,600
Loan Term: 12 to 24 months
Large Loan
Security Options:Secured and Unsecured
Loan Amount: $5,000 to $15,000
Loan Term: 12 to 24 months
How Jacaranda cash loans work
Our tech
We’ve won numerous awards for our state-of-the-art technology. We have created one of Australia’s smartest, 100% online application processes to make applying for a loan quick and easy. We use technology to understand your personal financial position, and we don’t just judge your credit score, which is why we’re able to help more customers that apply with us.
Our speed
Our 100% online application can be completed in minutes1. It will ask you questions about your personal situation as well as automatically request access to read-only copies of your bank statements. 90% of applications have an outcome at the end of the process. The rest of the applicants typically have an outcome within 60-minutes2 during normal business hours.
Australian-based and family-owned
All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in Australia, which is backed up by our reviews on every review platform. We’re almost 10 years old and we’ve been family-owned since the beginning. We value good old-fashioned values and we are committed to giving our customers the best experience possible.
60-second payouts
For most clients who have NPP-enabled bank accounts (which is 90% of bank accounts), the funds will be available and ready to use in your bank account within 60-seconds3 of accepting your contract. If you do not have an NPP-enabled bank, you will receive your funds overnight on the day you are approved.
What information do I need to provide?
-
Basic personal information (i.e. full name, address, D.O.B)
-
Online banking details
There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you
Am I eligible for a loan?
To qualify for a loan with Jacaranda you must:
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Be at least 18 years of age
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Be an Australian citizen or permanent resident
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Have a consistent income into your bank account for the last 90-days
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Have an active email address, phone number, and online banking account, in your name, that belongs to you
Frequently asked questions
Over 4,800 Reviews On Trusted Platforms
Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.
Last updated: 03/05/2022