Cash Loans Australia

At Jacaranda Finance, we love giving back, the chance to offer every Aussie a fair go at little bit of magic. That’s why when you apply for a loan, we look at more than just your credit score, we look at what else we can do to give you the best loan offer we are able to provide. That’s why we are offering you the chance to win BIG!

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. Jacaranda could even provide loans for people with poor credit!

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 speedy loans when you need cash fast – and we mean bloody fast.

Quick 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 Jacaranda Finance.

Customers can apply for three types of personal 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.

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.

Car Competition - Jacaranda Finance

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

Small Personal Loan Repayment Period

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.

Medium Personal Loan Term Repayment 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!

Is getting a cash loan a good idea?

Customers apply to borrow money for several reasons. Listed below are a few situations where a quick cash loan can be handy:

Car registration:

People borrowing cash to pay for their car registration is one of the most common reasons to apply. Somehow, we never seem to budget for it, despite knowing it needs to be paid every year. Depending on the type of car you have, it can cost between a few hundred to over a thousand dollars.

Car repairs:

If your car breaks down, or if you have an accident, it might mean you need to pay for an emergency car repair to get your vehicle back up and running again. We feel your pain!

Rental bond:

If you are planning on renting a new place, you will be required to pay a rental bond. Depending on the cost of the property that you are going to be renting, tenants can be expected to pay hundreds to thousands of dollars.

New furniture:

Perhaps you need a new bed frame, TV stand or bookcase? Whatever your furniture needs, some extra cash could be the answer.

Buying a used car:

Customers often apply to help pay for a used car. Used cars can cost people at least a few thousand dollars. Therefore, to make the purchase of your used vehicles, a used car loan can be exactly what you need.

Dental work:

Everybody knows going to the dentist can be expensive. Therefore, whether our customers are getting a filling or a full root-canal, Jacaranda can help ease the pain.

White goods:

Customers use Jacaranda’s loans quite often to pay for white goods. It can be super stressful trying to figure out how to pay for expensive appliances. Jacaranda can help kit you out, whether you need a new fridge, washing machine, dryer or air conditioner.

How do I apply for cash loans?

If you’re searching for emergency cash immediately, then you want a loan you can apply for in three simple steps. 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 just head to our homepage. Our application form will ask you questions about the following:

  • Name and date of birth;
  • Contact details including phone number and email address;
  • Your purpose for borrowing the loan;
  • Details about your employment status;
  • Info about your income.

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.

Car Competition - Jacaranda Finance

Win a 2019 Toyota Yaris

You’d look good in this car. Jacaranda Finance is giving every funded applicant a chance to win BIG. Apply now for a chance to take this car home.

How do I know if I qualify for a personal loan?

To qualify for a cash loan, you simply need to meet a few eligibility requirements. These requirements are:

  • At least 18 years of age;
  • Need to an Australian citizen or permanent resident;
  • Be receiving regular income over the past 90-days.

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.

What information do I need handy when applying?

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

  • The reason for your loan;
  • 100 points of ID;
  • Your internet banking details;
  • Employment information
  • Your myGov account details (if applicable);
  • Your mobile phone number and email address.

How do I repay my cash loan?

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.

What happens if I can’t make repayments?

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 Use Jacaranda Finance?

People choose Jacaranda Finance for a huge number of reasons, attractive loans, flexible approval and we are able to provide nearly instant money transfers into your bank after approval. However, these are just a few reasons people apply with Jacaranda finance, more people like us because our:

  • Our application process is super easy and fast! – because we are 100% online, applying for cash loans with us is incredibly simple and uncomplicated. Since the application form is very easy to complete, you’ll be amazed at how quick it is to apply!
  • You receive your funds as soon as possible – when you accept your loan contract, we’ll send your funds over the same day. Depending on when your loan was approved, as well as the policies of your bank, you should receive your money either the same day or overnight.
  • We have a great customer service team – throughout the duration of your loan contract, if you ever need to contact one of customer service team members, they are happy to help. Give us a call, send us a message.
  • We’re upfront and transparent about all our fees – finally, one of the best things about our cash loans is that all our fees are upfront.

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 money 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.

Borrow From Australia’s
Award-Winning Lender

Jacaranda Finance was named Champion of Financial Services at the 2019 Australian Small Business Champion Gala Dinner and Awards.