Cash Loans

Looking for quick and reliable cash loans? Welcome to Jacaranda Finance, your trusted online lender for fast and flexible cash loans ranging from $2,100 to $25,000. With our streamlined application process and express approval time, securing a cash loan has never been easier.

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Cash Loans from $2,100 to $25,000
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Same day approval times2
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Cash in your account on the same day3 you apply

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 for fast and flexible cash loans ranging from $2,100 to $25,000. With our streamlined application process and express approval time, securing a cash loan has never been easier.

Decorative graphic of a Coin
Cash Loans from $2,100 to $25,000
Decorative graphic of a clock
Same day approval times2
Decorative graphic of a calendar
Cash in your account on the same day3 you apply
1.

What is a Cash Loan?

Cash loans are essentially another word for personal loans: you apply for a loan with us, we agree to lend you money, and we send the money straight to your bank account. Many people think of cash loans as short-term finance for small amounts and with large costs. But at Jacaranda, we're a bit different.

Jacaranda Finance offers personal loans for as little as $5,000 and as large as $25,000, up to a maximum loan term of 48 months. Our smaller 'Cash Boost' product is also available for loans between $2,100 and $4,600.

We pay this money straight into your bank account, and we could do it quickly: our applications take mere minutes1, and most people receive an outcome on the same day2.

2.

Benefits of our Cash loans?

  • Effortless Application Process

    Our cash loans come with a fast and easy application process, designed with your convenience in mind. The form is 100% online, making it accessible anytime, anywhere.

  • Mobile App for On-the-Go Access

    We've developed the FastMoney App in response to our customers' needs. Now, you can apply for and manage your cash loan right from your smartphone, available on both Apple and Google app stores.

  • No Paperwork Hassle

    Our cash loans are paper-free. You can upload all necessary documents online through your mobile or PC, eliminating the need for physical paperwork and making the process more efficient.

  • Same day outcome

    We understand the urgency when it comes to cash loans. That's why we strive to provide a same-day outcome for your application, provided we receive all requested information by 3:00 PM.

  • Effortless Application Process

    Our cash loans come with a fast and easy application process, designed with your convenience in mind. The form is 100% online, making it accessible anytime, anywhere.

  • Mobile App for On-the-Go Access

    We've developed the FastMoney App in response to our customers' needs. Now, you can apply for and manage your cash loan right from your smartphone, available on both Apple and Google app stores.

  • No Paperwork Hassle

    Our cash loans are paper-free. You can upload all necessary documents online through your mobile or PC, eliminating the need for physical paperwork and making the process more efficient.

  • Same day outcome

    We understand the urgency when it comes to cash loans. That's why we strive to provide a same-day outcome for your application, provided we receive all requested information by 3:00 PM.

3.

Our Online Cash Loan Application Process

Experience the convenience of our online cash loan application, fully optimised for your mobile device. We've streamlined our process to deliver your loan outcome as swiftly as possible. When you complete your online cash loan application, we'll reach out for any additional information, which you can upload quickly and securely.

4.

Estimate Your Cash Loan Repayments

Want to gain a clearer understanding of what your cash loan repayments could be before you apply? Utilise our cash loan repayment calculator to estimate your potential repayments. This tool provides an easy way to plan your finances and make informed decisions about your cash loans.

Ready to Apply? You can get started now.

1. I'd like to borrow: $8,500
Please consider: loans above $15,000 and terms above 36 months, require security in the form of a registered motor vehicle you own.

Ready to Apply? You can get started now.

5.

Cash Loan Cost Breakdown

Jacaranda’s cash loans are designed to be fast, fair, and, above all, affordable, with no hidden fees.See the table below for a quick guide to our fees and charges, or visit our fees page for more information on our loans.

Interest Rate
Comparison Rate*
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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Monthly Fees
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Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Cash Boost
    $2,100 - $4,600
    Interest Rate
    47.80%
    Comparison Rate*
    Show the About Comparison Rate* modal
    66.07%
    Loan Term
    9 - 18 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured & Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $400 Flat Fee
    Monthly Fees
    Show the About Monthly Fees modal
    $0
    Risk Fee
    Show the About Risk Fee modal
    $0
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $2,500 over 24 months. 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.
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 24.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 39.63%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $140 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. 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.
  • Secured
    Personal Loan
    $5,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. 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.
This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.
6.

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, dependant number)
  • 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.

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Available now

It’s Quicker With the FastMoney App

  • Easily apply for and manage your loan in-app
  • Make extra repayments, check your balance & more
  • Easy access to our customer service team
7.

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
Show the About Reviews modal About Reviews
  • It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to - See More
    It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much. - See Less
  • Super easy and fast system, applying was seamless and money was instant!
    Super easy and fast system, applying was seamless and money was instant! - See Less
  • Fast, reliable service had money in acc same day
    Fast, reliable service had money in acc same day - See Less
  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
  • Brilliant service and quick action during application process the best there can be when it comes to quick loans.
    Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
  • Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. - See More
    Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one ! - See Less
  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More
    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
  • Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and - See More
    Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you. - See Less
  • Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up - See More
    Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process. - See Less
8.

Cash Loan FAQs

Want to learn more about our cash loans and how they work? Find out all the answers to our most common questions here.

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

While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can.

In line with our responsible lending obligations, we must conduct an unsuitability assessment to ensure you can manage your loan repayments if you are approved for a loan.