Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

How do I get approved?

Start the application process
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Apply online

You can apply for a loan in three simple steps:

1. Apply online;
2. Get your quick outcome,
3. If approved, receive your cash.

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Supporting docs

Have all of your supporting documents ready to go: basic personal info, 100 points of ID, and online banking login details.

applications
Sign your contract

We can only transfer your funds once we receive your signed contract. So make sure you have your phone available!

call
Be available

We might need more information from you to process your application in order to get the fastest outcome.

iPhone
Apply online

You can apply for a loan in three simple steps:

1. Apply online;
2. Get your quick outcome,
3. If approved, receive your cash.

id-card-svg
Supporting docs

Have all of your supporting documents ready to go: basic personal info, 100 points of ID, and online banking login details.

applications
Sign your contract

We can only transfer your funds once we receive your signed contract. So make sure you have your phone available!

call
Be available

We might need more information from you to process your application in order to get the fastest outcome.

Cash Loan Details

Loan amount from $5,000 – $15,000
Loan terms 9 – 24 months
Interest rate from 11.42% p.a
Comparison rate from 14.49% p.a.
Type of rate Fixed
Repayment type Weekly, fortnightly or monthly
Average turnaround 60-minutes
Early exit fee $0
Monthly fee $0
Establishment Fee $249 – $990

Get your cash in 60-seconds once approved3

Two types of cash loans

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Medium Loan

Security Options: Secured and Unsecured
Loan Amount: $2,500 to $4,600
Loan Term: 9 to 24 months

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Large Loan

Security Options:Secured and Unsecured
Loan Amount: $5,000 to $15,000
Loan Term: 9 to 24 months

How Jacaranda cash loans work

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Our tech

We’ve won numerous awards for our state-of-the-art technology. We have created one of Australia’s smartest, 100% online application processes to make applying for a loan quick and easy. We use technology to understand your personal financial position, and we don’t just judge your credit score, which is why we’re able to help more customers that apply with us.

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Our speed

Our 100% online application can be completed in minutes1. It will ask you questions about your personal situation as well as automatically request access to read-only copies of your bank statements. 90% of applications have an outcome at the end of the process. The rest of the applicants typically have an outcome within 60-minutes2 during normal business hours.

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Australian-based and family-owned

All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in Australia, which is backed up by our reviews on every review platform. We’re almost 10 years old and we’ve been family-owned since the beginning. We value good old-fashioned values and we are committed to giving our customers the best experience possible.

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60-second payouts

For most clients who have NPP-enabled bank accounts (which is 90% of bank accounts), the funds will be available and ready to use in your bank account within 60-seconds3 of accepting your contract. If you do not have an NPP-enabled bank, you will receive your funds overnight on the day you are approved.

What information do I need to provide?

  • Basic personal information (i.e. full name, address, D.O.B)

  • Online banking details

There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be at least 18 years of age

  • Be an Australian citizen or permanent resident

  • Have a consistent income into your bank account for the last 90-days

  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

Frequently asked questions

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – GOOGLE REVIEW

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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

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.

Brendan Lau88 – GOOGLE REVIEW