How fast can I get a cash loan?

Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation. Applying for a loan with Jacaranda Finance takes most people 5 to 12 minutes, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.1 After applying, most customers get an outcome on their loan application within 60 minutes during normal business hours once we have received all of the supporting information we require. We do not guarantee 60-minute outcomes for all customers.2 Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3

Can I get an instant cash loan?

While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can. In line with our responsible lending obligations, we must conduct an unsuitability assessment to ensure you can manage your loan repayments if you are approved for a loan.

How much can I borrow?

Jacaranda's personal loans range from [BorrowMin] to [BorrowMax]. Depending on your loan amount, our loan terms can be as long as [TermMax]. All you need to do is fill in our fast and easy application form today: most outcomes are delivered in 60 minutes during normal business hours once all information has been provided2. Our other loan products offer different loan limits: Our Car Loans are for between [CarBorrowMin] - [CarBorrowMax]; Our Cash Boost loans are for between [MaccBorrowMin] - [MaccBorrowMax] Depending on your circumstances, the final amount we approve you for may not be the maximum loan limit.

What are the fees and charges?

The fees and charges on your Jacaranda personal loan will vary depending on a few factors including the amount you apply for, the repayment term, your credit rating, and the strength of your application. Once you submit an application, we'll provide you with an offer that includes all the details in relation to the loan including the amount, repayment term, fees, interest rate, and terms and conditions.

Will you check my credit history?

Yes, as a responsible lending body, Jacaranda Finance is required to complete a credit check on all applications. However, our assessment process takes into consideration your entire financial situation, meaning your credit score isn't the only determining factor of approval or rejection. The better your financial position, the better your loan offer could be. We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years and it can be supplied on demand. As a rule of thumb, there are four reporting bodies that we may use to conduct a credit search: Equifax Experian Illion Talefin

How do I repay my loan?

Thanks to our secured self-service customer portal, you can easily manage your personal loan repayments online 24/7, 365 days a year. Repayments can be automatically deducted via direct debit, so all you need to do is make sure you have the money in your nominated bank account by the due date. To make it simple, you can ask to align your repayments with your pay cycle, whether it's on a weekly, fortnightly or monthly basis. After your loan is paid off in full, the repayments will stop, and you can choose to make extra repayments at any time and at no extra cost.

Can I cancel my loan?

Anyone unsatisfied with their loan for any reason, can return the principal funds including any payments made to third parties on your behalf, within a 48-hour cooling off period and cancel their loan4. If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn’t qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.

Cash Loans

Name: Online Cash Loans Up to $25,000 | Jacaranda Finance
Brand: Jacaranda Finance
Rating: 4.9 (2664 reviews)

Looking for quick and reliable cash loans? Welcome to Jacaranda Finance, your trusted online lender for fast and flexible cash loans ranging from $2,100 to $25,000. With our streamlined application process and express approval time, securing a cash loan has never been easier.

Cash Loans from $2,100 to $25,000

Same day approval times

Cash in your account on the same day³ you apply

Get Started Now

You can now check your eligibility,
with no impact on your Credit Score!

I'd like to borrow

Over the term of

Get Started Now If Approved Get Paid in 60 Seconds³

You can now check your eligibility,
with no impact on your Credit Score!

*Subject to lending criteria, T's and C's'

4.9/5

2,660+ Reviews

Apply for a cash loan in only 5-12 minutes¹

1.

What is a Cash Loan?

Cash loans are essentially another word for personal loans: you apply for a loan with us, we agree to lend you money, and we send the money straight to your bank account. Many people think of cash loans as short-term finance for small amounts and with large costs. But at Jacaranda, we're a bit different.

Jacaranda Finance offers personal loans for as little as $5,000 and as large as $25,000, up to a maximum loan term of 48 months. Our smaller 'Cash Boost' product is also available for loans between $2,100 and $4,600.

We pay this money straight into your bank account, and we could do it quickly: our applications take mere minutes¹, and most people receive an outcome on the same day².

2.

Benefits of our Cash loans?

Effortless Application Process

Our cash loans come with a fast and easy application process, designed with your convenience in mind. The form is 100% online, making it accessible anytime, anywhere.
Mobile App for On-the-Go Access

We've developed the FastMoney App in response to our customers' needs. Now, you can apply for and manage your cash loan right from your smartphone, available on both Apple and Google app stores.
No Paperwork Hassle

Our cash loans are paper-free. You can upload all necessary documents online through your mobile or PC, eliminating the need for physical paperwork and making the process more efficient.
Same day outcome

We understand the urgency when it comes to cash loans. That's why we strive to provide a same-day outcome for your application, provided we receive all requested information by 3:00 PM.

Effortless Application Process

Our cash loans come with a fast and easy application process, designed with your convenience in mind. The form is 100% online, making it accessible anytime, anywhere.
Mobile App for On-the-Go Access

We've developed the FastMoney App in response to our customers' needs. Now, you can apply for and manage your cash loan right from your smartphone, available on both Apple and Google app stores.
No Paperwork Hassle

Our cash loans are paper-free. You can upload all necessary documents online through your mobile or PC, eliminating the need for physical paperwork and making the process more efficient.
Same day outcome

We understand the urgency when it comes to cash loans. That's why we strive to provide a same-day outcome for your application, provided we receive all requested information by 3:00 PM.

3.

Our Online Cash Loan Application Process

Experience the convenience of our online cash loan application, fully optimised for your mobile device. We've streamlined our process to deliver your loan outcome as swiftly as possible. When you complete your online cash loan application, we'll reach out for any additional information, which you can upload quickly and securely.

Get Started Now

4.

Estimate Your Cash Loan Repayments

Want to gain a clearer understanding of what your cash loan repayments could be before you apply? Utilise our cash loan repayment calculator to estimate your potential repayments. This tool provides an easy way to plan your finances and make informed decisions about your cash loans.

I'd like to borrow: $8,500

Borrow:
$8,500

- +

Over how many months:

Months

24 36 48

Estimated
repayments:

...

p/wk

Interest Rate

14.95% - 27.95%

Comparison Rate

29.30% - 42.80%

See Comparison Rate Warning

*Please consider: The example repayment is a guide based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.

Get Started Now If Approved Get Paid in 60 Seconds³

5.

Cash Loan Cost Breakdown

Jacaranda’s cash loans are designed to be fast, fair, and, above all, affordable, with no hidden fees.See the table below for a quick guide to our fees and charges, or visit our fees page for more information on our loans.

Interest Rate

Comparison Rate*

Loan Term

Repayment Cycle

Secured or Unsecured

Establishment Fees

Monthly Fees

Risk Fee

Comparison Rate Warning*

Cash Boost

$2,100 - $4,600

Interest Rate

47.80%

Comparison Rate*

About Comparison Rate*

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

66.07%

Loan Term

9 - 18 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured & Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$400 Flat Fee

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$0

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $2,500 over 24 months. WARNING: This comparison rate is true 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.
Unsecured
Personal Loan

$5,000 - $15,000

Interest Rate

17.95% to 24.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

32.40% to 39.63%

Loan Term

24 - 36 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$140 to $995

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.
Secured
Personal Loan

$5,000 - $25,000

Interest Rate

14.95% to 27.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

29.30% to 42.80%

Loan Term

24 - 48 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0 to $995

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true 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.

This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.

6.

Loan Eligibility Criteria

Be at least 19 years of age
Be employed on a permanent or casual basis, with consistent income for 90 days
Be an Australian citizen or permanent resident with a fixed address.
Have an active email address, phone number, & online banking details in your name.
Be in control of your current finances and handling existing financial commitments comfortably.

Information you will need to provide:

Basic personal information (i.e. full name, address, D.O.B, dependant number)
Employment status & details
Your bank statements*

*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.

Secured by

Available now

It’s Quicker With the FastMoney App

Easily apply for and manage your loan in-app
Make extra repayments, check your balance & more
Easy access to our customer service team