Discover Jacaranda Finance

cash

CASH TO YOUR BANK

We give you the outcome of your application the same day
timer

FAST ASSESSMENTS

Quick Turnarounds & Decisions
$300 $10000
$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 $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

get a loan today

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 reward 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 it works question

What are cash loans?

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 it works question

How long do I have to pay off my cash loans?

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!

how it works question

Why do people apply for cash loans?

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

how it works question

How do I 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!

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

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 to get back to you within an hour of applying. So, keep an eye on your phone and emails in case we need any extra info from you.

how it works question

How do I know if I qualify for cash loans?

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.

how it works question

What information do I need handy when applying for cash loans?

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

how it works question

How do I repay cash loans?

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

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. 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.

how it works question

What happens if I can’t make a repayment on my cash loans?

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.

how it works question

Why choose Jacaranda Finance cash loans?

People choose cash loans from Jacaranda Finance for a huge number of reasons. however, 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