Cash Loans
Looking for quick and reliable cash loans? Welcome to Jacaranda Finance, your trusted online lender. With our streamlined application process and express approval time, securing a loan in Australia has never been easier.
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Looking for quick and reliable cash loans? Welcome to Jacaranda Finance, your trusted online lender. With our streamlined application process and express approval time, securing a loan in Australia has never been easier.
Cash Loans across Australia
No matter where you are in Australia, you can apply for a loan with Jacaranda entirely online!
Why Get a Cash Loan?
We make borrowing a breeze. Focusing on efficiency and quick responses, your financial needs are our top priority.
Our Online Cash Loan Application Process
When you complete your loan application, we'll reach out for any additional information, which you can upload quickly and securely.
How to apply for a Quick Cash Loan with Jacaranda
- Apply in just 5-12 minutes1, depending on your circumstances.
- Check if you qualify without impacting your credit score.
- Receive a same-day outcome2 on your loan application.
- If approved, get your money within 60 seconds3.
Estimate Your Cash Loan Repayments
Gauge your potential loan repayments before applying with our convenient repayment calculator.
Ready to Apply? You can get started now.
Including Interest & Fees
Ready to Apply? You can get started now.
Loan Cost Breakdown
See the table below for a quick guide to our fees and charges or visit our rates and fees page for more information.
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, number of dependants etc.)
- 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.
It’s Quicker With the FastMoney App
- Apply for and manage your loan in-app
- Make repayments
- Check your balance
- Check your credit score
- Contact customer service
- ...and much more!
Trusted by 1,000s
Cash Loan FAQs
Learn more about how our loans work with answers to our most common questions.
Fast cash loans are a loan option that can usually be accessed within a day and, in some cases, just a few hours. Many online lenders have technology that allows them to process applications quickly.
Many people think of cash loans as short-term finance for small amounts and with large costs. But we're a bit different. Jacaranda Finance offers fast loans in Australia up to $25,000, with flexible loan terms and repayment options. Simply fill in our quick online application form today, and our team will help you get a quick outcome.
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 5-12 minutes1, 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.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day 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
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $25,000
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
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.
There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
Review our Privacy Policy for more information.
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
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.