Discover Jacaranda Finance

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$300 $10000
$2000
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Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $10,000 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 flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%. 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. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here to see a worked example.

Get cash loans for unexpected costs, up to $10,000. Here’s everything you need to know about getting cash loans with Jacaranda!

Cash loans up to $10,000 – No hidden fees

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Sometimes life throws you a few curveballs. Sometimes you’ll be able to catch them, other times it simply won’t be possible. Hey, we’re not all jugglers. So, what are we meant to do when things happen out of the blue? Here at Jacaranda, we may have the answer: cash loans.

For most of us, it’s not always possible to be prepared for the unexpected. That’s what Jacaranda is here for. We offer can cash loans when you need cash fast – and we mean bloody fast.

Cash loans: faster than the speed of light

Jacaranda isn’t only here for emergencies. While we can help you through the tough times, it’s not the only thing we can help with. If you’d like to award yourself with a luxury, but aren’t willing to wait, we can help you with that too! Perhaps you’ve worked hard, and feel you deserve a well-earned getaway escape? Maybe, you’d love to reward yourself with a luxurious mattress and bedspread. Jacaranda is here to help you in these situations, too! So, if you think this sounds good, read on and we’ll tell you more about our Jacaranda Finance cash loans.

Customers can apply for three types of cash loans – small personal loans, and medium and large secured personal loans. We offer smaller unsecured loans that don’t require a security deposit. Our medium and large loans, however, do require a deposit. Customers can use a variety of assets as security against their loan. They can use their vehicle, motorbike, boat or caravan.

How much can I borrow?

Jacaranda Finance offers small personal loans up to $2,000. Customers can apply to borrow between $300 – $2,000, without putting up any security against the loan. Customers can also borrow up to $10,000, with our secured personal loans. For loans that are over $2,001, customers will be required to put forward either a car, motorbike, boat or caravan as security.

How long are the loan terms?

The small personal loans we offer have 12-month loan terms. That means customers can borrow between $300 and $2,000, and repay this amount over the 12-month period.

Our medium (up to $4,600) and large ($5,000 – $10,000) secured personal loans can be repaid over a period of 13 to 24-months. To find out the cost of your potential loan, play around with the loan calculator above!

Why do people apply for cash loans?

Customers apply for cash loans for several reasons. To give you an idea of what some people usually use their cash loans for, check out the following list:

How do you apply for cash loans?

Jacaranda Finance’ cash loans application process is super simple. Our form is done 100% online, and is really quick and easy to complete. We’ve explained how it all works just below. Keep reading, won’t you!

Where do you apply?

To apply for cash loans just head to our homepage. Our application form will ask you questions about the following:

How do I apply?

Potential customers should look at our application form here. Clients just need to fill out the online application form, and then provide the required information. Our online form only takes a few minutes to complete. Then, click submit and wait for our response. We’ll try get back to you within an hour of applying. Keep an eye on your phone and emails in case we need any extra info from you.

Eligibility requirements

To qualify for our cash loans, you simply need to meet a few eligibility requirements. To apply for a loan with us, you must be:

If you have been declared bankrupt or are in, or entering into, financial hardship, we unfortunately cannot provide you with a loan.

Even if you have bad credit we do cash loans for bad credit because we know that your credit rating isn’t necessarily an accurate representation of your financial circumstances. That’s why we prefer to look at your recent financial transaction to see that you can afford the loan and manage repayments.

Information required

Customers are required to provide some of the following information as a part of their application:

When do I sign a contract?

You should receive an outcome on your loan application within an hour of applying. Keep in mind, this contingent on you applying within normal business hours. Once we have approved your application we’ll send you send you a loan contract. From there, you can either reject or accept the loan contract – it’s up to you.

How do I get approved?

Customers first have to meet the eligibility requirements listed above to be approved for a loan. You’ll also need to fill out our online application form. Make sure you’ve entered your details correctly, and provided us with all the information we need from you.

Why was my application denied?

If your loan application not accepted, you’re welcome to email apply@jfloans.com.au to follow up on why. There are, however, a few reasons why your application was denied this time:

You are paying off other cash loans

If we suspect you are planning on using the loan you applied for to pay off another cash loan, we cannot approve your request. When we do a banking check of your most recent financial transactions, we’ll be able to see if you are paying off any other debts. This check allow us to see if you are planning to use the new cash loan to pay off the old one.

You are unemployed with no income

Unemployed customers, or those with no income, will not have their loan applications approved. If we see that you aren’t receiving income from ongoing employment, we won’t be able to lend you any cash loans. That’s why we need to verify your income, so that we can see that you will be able to afford to repay the loan.

You have too many dishonoured payments

Customers could be deemed a risky borrower if they have too many dishonoured payments. If this is the case we are less likely to loan them money.

Your income is paid to you in cash

Perhaps you earn your money the old-fashioned way – cash in hand. However, it will be difficult for us to verify your income if this is the case. Unless you deposit your cash directly into your account when you get paid, you are unlikely to be approved for a loan.

Paying gambling sites

If we can see you have been regular making payments to gambling sites, your loan application may be denied. Jacaranda will be less likely to extend you a loan offer, as we will deem you a risky borrower.

You didn’t meet the eligibility requirements

Finally, you won’t be accepted for a loan, if you did not meet the eligibility requirements.

Repaying the loan

Setting up your repayments is the next step once you’ve applied for the loan, accepted the contract and started receiving funds.

How do repayments work?

We take repayments through a direct debit of your nominated bank account. Payments can be arranged to come out of your account on a weekly, fortnightly or monthly basis. Which payment interval you would prefer is up to you. However, lining up your pay cycle with our direct debit is the most hassle-free way of making sure there’s always enough money in your account.

What if you can’t make a repayment?

If you can’t make a payment when it is scheduled to be made, it’s important to contact us as soon as possible. This way we can work things out in an alternative arrangement. We get that things crop up in life, and things don’t go always go to plan.

Why people borrow cash loans from Jacaranda?

People choose cash loans from Jacaranda Finance for a huge number of reasons. Here are just a few reasons people get their cash loans from Jacaranda finance:

In a nutshell, getting loans with Jacaranda is a great option for when you need to pay for something fast. That’s because our quick cash loans are easy to apply for and fast to receive! No stress and no hassles. So, if you like the sound of our cash loans, they might just be the right thing for you.

Get started now!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

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

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest.

The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

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

Terms

12
months

Example:

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $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

$2,100 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 67.41% 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.

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

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

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

Example of how our large personal loans work

Loan amount

$5,000 minimum
$10,000 maximum

Costs

ANNUAL PERCENTAGE RATE (APR) IS 21.24% Comparison Rate is 48% P.A.

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

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

What our clients say

Cash loans up to $10,000 - No hidden fees 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