Cash Loans in Adelaide

If you're on the hunt for a loan in Adelaide, Jacaranda Finance has you sorted.
We offer quick and easy online cash loans from $5,000 up to $25,000, with fixed loan terms as long as 48 months.

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Borrow $5,000 to $25,000
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Same-Day Approval2
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24-48 month terms

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'

If you're on the hunt for a loan in Adelaide, Jacaranda Finance has you sorted.
We offer quick and easy online cash loans from $5,000 up to $25,000, with fixed loan terms as long as 48 months.

Decorative graphic of a Coin
Borrow $5,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
24-48 month terms

Award-winning lender

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  • afrfast100
  • asbc-2021-grey-1
  • asbc-finalist-2021-grey-1
  • top20
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  • aea-enterprise-award-grey-1

Why get a cash loan in Adelaide?

The city of churches is home to some of Australia's most iconic winery regions and fooderies. Over a million people (and rising) call Adelaide home, but like most major cities these days, living in or visiting Adelaide can get pricey. That's where we come in.

Our express cash loans can offer fast approval times, manageable repayments and flexible terms to suit your needs. Whether you need help with a larger planned expense like a holiday, or something unexpected like car repairs, our state-of-the-art online technology can allow you to:

  • Complete your application in just 5-12 minutes1 depending on your circumstances;
  • Receive a same-day outcome on your application2 if you apply during normal business hours; and
  • Have the funds transferred to your account in under 60-seconds3 if approved (if you have an NPP-enabled bank account).

See our personal loan details on the right and how our application process works below.

Loan Details
Loan Amounts:

$5,000 to $25,000

Loan Terms:

24 months to 48 months

Loan Type:
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Secured and unsecured

Rate type:

Fixed

Repayment Options:

Weekly, fortnightly or monthly

No Early Payout or Exit Fees:

Customers who pay their loan out early do not incur any additional fees or charges for doing so. Fixed fees that have already been incurred are due and payable.

THE APPLICATION PROCESS

We Make Applying Easy

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible.

What can I use cash loans for in Adelaide?

Jacaranda's personal loans can help you cover a wide range of expenses for your financial situation in Adelaide - both the expected and unexpected. With fixed repayments and both secured and unsecured options available, our customers commonly take out a loan for the following reasons.

Get in touch with us if you have any questions about whether a personal loan could be suitable for your needs, or check out or frequently asked questions for more information.

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Medical & Dental Expenses

We offer both medical loans and dental loans to pay for those large bills.

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Rental Bonds & Moving Costs

Take the stress out of moving with a Jacaranda rental bond loan.

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White Goods & Appliances

Replace or upgrade your appliances and impress your guests with a white goods loan.

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Vet Bills

If your dog ate too much chocolate and the vet bills are piling up, a vet bill loan from Jacaranda could help you out.

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Car Repairs

Car broken down? Our car repair loans can help you get back on the road in no time.

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Home Repairs

From cracked tiles to a leaky roof, a home repair loan can help you sort out those much-needed repairs you've been putting off.

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Home Renovations

Our home renovation loans can provide the funds you need to turn your house into a dream home.

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Travel Expenses

Check out our holiday loans today if you fancy a quick getaway without breaking the bank.

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Debt Consolidation

Consolidate your debts into one easier-to-manage debt consolidation loan with Jacaranda.

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Weddings

Let Jacaranda alleviate some of that wedding stress and help you pay for your special day with a wedding loan.

Why choose a Jacaranda Loan?

We’re a fast, reliable and fair lender that’s been helping Aussies since 2014 - here's why we think you should choose us.

We could help your credit score improve

We’re a part of the Comprehensive Credit Reporting (CCR) regime, which makes it much easier to build your credit history and credit score. By making your loan repayments on time and in full, we can communicate this positive repayment information to the credit bureaus, which could help improve your credit score over time.

Find out more about how Comprehensive Credit Reporting works here.

Some's credit score improving thanks to our CCR

Rates & Fees

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
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Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    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
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    $24 p/month
    Risk Fee
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    $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.

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
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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 - 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

Average income in Adelaide

Annual Income

$115,506

$92,029.60

Average of Adelaide

Average of Australia

Cost of living in Adelaide

Monthly Cost of Living

$3,038.07

$7,974.45

Average cost of living for a single person in Adelaide

Average cost of living for a family of four in Adelaide

$3,251.12

$8,163.10

Average cost of living for a single person in Australia

Average cost of living for a family of four in Australia

Source: Numbeo

Personal Loans Online Up To $25,000

Money in your bank account and ready to use in 60-seconds3 once approved.

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.

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Am I eligible for a Jacaranda loan?

The basic eligibility criteria you must meet before submitting an application:
  • Be at least 19 years of age.
  • Be employed on a permanent or casual basis.
  • Have a consistent income going into your own bank account for the last 90 days.
  • Be in control of your finances and be handling existing financial commitments comfortably.
  • Be an Australian citizen or permanent resident with a fixed address.
  • Have an active email address, phone number, and online banking account in your name that belongs to you.

We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:

  • You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
  • You are not comfortably repaying your existing financial obligations
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More FAQs

Adelaide Cash Loan FAQs

Still have questions about how our loans work? Here are the answers to some of our most frequently asked questions.

Jacaranda Finance is a 100% online lender, meaning we offer loans Australia-wide, including:

And more. Whether you're searching for loans in Brisbane, Perth, Melbourne, or anywhere in between, you can apply for a loan with us today.

You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000. 

For detailed information about who our products are designed for, please review our Target Market Determinations.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.

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

We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.

Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.

We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.

There are four credit reporting bodies that we may use to conduct a credit check:

  • Equifax
  • Experian
  • illion
  • Talefin

Review our Privacy Policy for more information.

Anyone unsatisfied with their loan for any reason can return the principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan4.

If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.

We're here to help

Need a hand?
Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.