Cash Loans
Looking for quick and reliable cash loans? Welcome to Jacaranda Finance, your trusted online lender. With our streamlined application process and express approval time, securing a loan in Australia has never been easier.
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. With our streamlined application process and express approval time, securing a loan in Australia has never been easier.
Quick find topics on this page.
Why Get a Cash Loan?
We make borrowing a breeze. Focusing on efficiency and quick responses, your financial needs are our top priority.
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Simple Online Application Process
100% online, complete your application in minutes1.
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24/7 Mobile App Access
Manage your loan on the go via the Better Credit App.
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Efficiently Paperless
Enjoy easy upload options for your documents.
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Same Day Outcomes2
Get your money when you need it most.
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Simple Online Application Process
100% online, complete your application in minutes1.
-
24/7 Mobile App Access
Manage your loan on the go via the Better Credit App.
-
Efficiently Paperless
Enjoy easy upload options for your documents.
-
Same Day Outcomes2
Get your money when you need it most.
Our Online Application Process
When you complete your loan application, we'll reach out for any additional information, which you can upload quickly and securely.
How to apply for a Quick Cash Loan with Jacaranda
- Apply in just 5-12 minutes1, depending on your circumstances.
- Check if you qualify without impacting your credit score.
- Receive a same-day outcome2 on your loan application.
- If approved, get your money within 60 seconds3.
Estimate Your Cash Loan Repayments
Gauge your potential loan repayments before applying with our convenient repayment calculator.
Ready to Apply? You can get started now.
Including Interest & Fees
Ready to Apply? You can get started now.
Loan Cost Breakdown
See the table below for a quick guide to our fees and charges or visit our rates and fees page for more information.
Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
Unsecured
Secured or
Unsecured
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.
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Unsecured
Personal Loan$3,000 - $15,000Interest Rate17.95% to 27.95%Comparison RateAbout Comparison RateA comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
32.40% to 42.80%Loan Term25 - 36 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990Monthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/monthRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $995Comparison 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$3,000 - $25,000Interest Rate14.95% to 27.95%Comparison RateAbout Comparison RateA comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
29.30% to 42.80%Loan Term25 - 48 monthsRepayment CycleWeekly, fortnightly or monthlySecured or
UnsecuredAbout SecurityA secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredEstablishment FeesAbout Establishment FeesAn establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990Monthly FeesAbout Monthly FeesThe monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/monthRisk FeeAbout Risk FeeAlso known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $995Comparison 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.
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Unsecured
Personal Loan$3,000 - $15,000Interest Rate17.95% to 27.95%17.95% to 27.95%Comparison RateWhat does it mean?About Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
32.40% to 42.80%32.40% to 42.80%Loan Term25 - 36 months25 - 36 monthsSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
UnsecuredUnsecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990$130 to $990Risk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $995$0 to $995Comparison 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$3,000 - $25,000Interest Rate14.95% to 27.95%14.95% to 27.95%Comparison RateWhat does it mean?About Comparison Rate
A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.
It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.
29.30% to 42.80%29.30% to 42.80%Loan Term25 - 48 months25 - 48 monthsSecured or
UnsecuredWhat does it mean?About Security
A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.
Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.
SecuredSecuredMonthly FeesWhat does it mean?About Monthly Fees
The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.
$24 p/month$24 p/monthRepayment CycleWeekly, fortnightly or monthlyWeekly, fortnightly or monthlyEstablishment FeesWhat does it mean?About Establishment Fees
An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.
This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.
$130 to $990$130 to $990Risk FeeWhat does it mean?About Risk Fee
Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.$0 to $995$0 to $995Comparison Rate Warning*(Personal Loans)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.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.
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.
You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score.
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
- Employment status & details
- Your bank statements*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.
*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.
Trusted by 1,000s
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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.
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Super easy and fast system, applying was seamless and money was instant!
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Fast, reliable service had money in acc same day
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
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Brilliant service and quick action during application process the best there can be when it comes to quick loans.
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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 !
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I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
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Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.