Discover Jacaranda Finance



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$300 $4600
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Loans from $2100 to $4600 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 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Get cash loans for unexpected costs, up to $4600. Here’s everything you need to know about getting cash loans with Jacaranda!

Cash loans up to $4,600 – No hidden fees

Sometimes life throws curveballs at you. Sometimes you’ll be able to catch them, other times it simply won’t be possible. Hey, we’re not all jugglers. So, when things happen out the blue, what are we meant to do?

We know that’s it’s not always possible to be prepared for the unexpected. That’s what we’re here for. We do cash loans to help you during those times when you need cash fast – and we mean bloody fast.

Cash loans: faster than the speed of light

Although we’re able to help you through them, we aren’t only here for emergencies. If there’s a luxury you’d like to reward yourself with, but aren’t willing to wait until a future date to do so, we can help you with that too! Perhaps you’ve worked hard, and feel you deserve the right a well-earned getaway escape. Maybe, you’d love to reward yourself with a luxurious mattress and bedspread. We’re here to help you out in these situations too! So, if this sounds good to you, read on to find out what you need to know about our Jacaranda Finance cash loans.

At Jacaranda Finance we do two types of cash loans – small personal loans and medium secured personal loans. Our smaller loans are unsecured loans and don’t require a security deposit. Our larger medium loans do require a deposit. Some of the things can be used as deposit for the loan are a vehicle, motorbike, boat or caravan.

How much can you borrow?

Jacaranda Finance offers small personal loans up to $2000. You can borrow between $300 – $2000. Our secured personal loans let you borrow up to $4600 with our secured personal loans. You’d need to use a security deposit like a car, boat, motorbike or caravan to take out a loan of $2,000 or more.

What are the lengths of the loan terms?

The length of our loan terms for our small personal loans are 12 months. That means you can borrow between $300 and $2000 and repay this amount over the 12-month period.
With our medium secured personal loans between $2000 and $4600, can be repaid over a period of 13 to 24 months. Play around with the loan repayment calculator above to find out what your loan would cost you!

How much do cash loans cost?

The cost of our cash loans varies depending on the amount you are borrowing.

For our smaller cash loans, the costs include a 20% establishment fee which is paid over the first few payments, plus monthly fees of 4%. To give you an example of what small quick cash loans cost, let’s look at an example of $1000 repaid over 12 months.

For our medium cash loans, the establishment fee is $400 plus an annual percentage fee of 48%. If we look at an example of borrowing $3000 repaid over 24 months the fees will look something like this:

Reasons for cash loans

There are several people apply for cash loans. To give you an idea of what some people usually use cash loans for check out the following list:

Applying for cash loan

Applying for cash loans with Jacaranda Finance is a very simple process. It is done 100% online with our simple application form. We’ve explained how it all works just below. Keep reading, won’t you!

Where to apply

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

How to apply

To apply, take a look at our application form here. Fill out the online application form and provide the required information. The form only takes around 4 minutes to complete. Then, click submit and wait for our response. Should hear back from us with an hour of applying. You’ll want to 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. The following is a list of the requirements that need to be met to apply for the loan:

Unfortunately, you will not be eligible for cash loans if you have been declared bankrupt or are in, or entering into, financial hardship.

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

Some of the information you’ll be required to provide as a part of your application includes the following:

Getting approved to borrow cash loans

After you’ve applied for your cash loan you should receive an outcome of your loan application within an hour of applying. If we have approved your application we’ll send you send you a loan contract. You can either reject or accept the loan contract it’s up to you.

How to get approved?

To be approved for the loan you need to meet the eligibility requirements outlined above. You’ll also just need to adequately fill out the online application form. Make sure you’ve entered your details correctly and provided us all the information we need from you.

If your application is not approved

If your loan application not accepted, you’re welcome to email to follow up on why. But we’ll explain some of the reasons why your loan may not have been accepted just below:

You are paying off other cash loans

If you are planning on using the loan to pay for another cash loan. 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 would allow us to see if you are planning to use the new cash loan to pay off the old one.

If you are unemployed and don’t have any income

It may not have been accepted, if you are unemployed. If we can see that you are not receiving income from ongoing employment we won’t be able to lend you fast 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 many dishonoured payments

If you have many dishonoured payments we will consider you as a risky borrower and are therefore less likely to lend you money.

Your income is paid to you in cash

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

Paying gambling sites

We may reject your application to borrow cash loans if we can see you have been regular making payments to gambling sites. This will be considered risky behaviour and we will be less likely to extend you a loan offer.

You didn’t meet the eligibility requirements

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

Repaying the loan

Once you’ve applied for the loan, you’ve accepted your loan contract and you’ve received your funds, the next step is to start setting up your repayments.

How do repayments work?

The way our repayments work is we set up a direct debit that allows your money to come out of your account automatically. We can arrange for payments to come out of your account on a weekly, fortnightly or monthly basis. It’s up to you what payment interval you would prefer though we often suggest matching it to our pay cycle. This is so that your repayments come out of your account in the most hassle-free way.

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 an alternative arrangement. We get that things crop up in life, and it’s not always possible for things to go as planned.

Why people borrow cash loans from Jacaranda?

There are several reasons as to why people want to get cash loans from Jacaranda Finance. Here are just a few reasons people choose Jacaranda cash loans:

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


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

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $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

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% 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.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

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

What our clients say

Cash loans up to $4,600 - 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