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Cash Loans Melbourne

Personal Loans up to $15,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Jacaranda Finance offers cash loans Melbourne from $1,000 to $15,000, 100% online.

If you have been searching for cash loans Melbourne, Jacaranda Finance offers fast loans up to $15,000. We support instant transfers on approval, so you could have your money within 60-seconds**. 

Need cash fast?

Are you living in Melbourne and in need of some emergency cash? Jacaranda Finance provides quick loans to Melbourne residents in need of a short term cash solution. Unlike some traditional lenders, Jacaranda Finance can process your loan 100% online in just 60-minutes!* We provide one of the fastest loan services in Australia; we delivered the first 60-second payout nationwide. If you are searching for money lenders Melbourne, Jacaranda Finance may be able to help.

We are a 100% online lender, which means that from application to approval, we will handle everything online. This allows us to provide you with our speedy loan outcomes; we are as close to instant cash loans Melbourne that you can find! 

Fast cash loans Melbourne

The cost of living in Melbourne has risen exponentially over the years, being the 58th most expensive city in the world to live in. A cocktail can cost you a hefty $20 and the annual kindergarten tuition is $17,824 per child. While it is not as expensive as Sydney, Melbourne is by no means a cheap city to call home. 

Jacaranda Finance offers three types of fast cash loans Melbourne: small loans, medium loans and large loans.

Loan type Security option Loan amount Loan terms
Small loan Unsecured $1,000 to $2,000 6 to 12 months
Medium loan Secured $2,100 to $4,600 13 to 36 months
Large loan Secured $5,000 to $15,000 13 to 36 months

What can I use Melbourne cash loans for?

We provide personal loans for any unexpected expenses you don’t have the cash available to cover. Our short term loans are great for covering anything from a medical cost to a much-needed holiday. We offer affordable rates to be paid back over a repayment period that suits you. If you need some inspiration, these are some of the most common reasons we receive applications for loans in Melbourne:

  • Covering multiple bills
  • Medical expenses
  • Dental costs
  • Cosmetic surgery
  • Going on a holiday
  • Vet bills
  • Emergency car repairs

How to apply

If you are ready to apply for a loan today, it couldn’t be easier with Jacaranda Finance’s simple and straightforward online application form. Within minutes, you could complete your application and receive an advance on the same day! Apply for cash loans Melbourne by following these easy steps:

Step 1: Apply online

Step 2: Our team assesses your application

Step 3: We let you know whether your application was successful

Step 4: If approved, review and sign your contract

Step 5: Receive your money


To be eligible for a loan through Jacaranda Finance, we first need to verify that you meet our eligibility criteria. Please ensure that you meet the following requirements before you apply:

  • You are at least 18 years old
  • You have had a consistent income deposited into your bank account for the last 90 days
  • You are an Australian citizen or permanent resident
  • You have an active email address and mobile number

Supporting documents

So that our team can process your application as fast as possible, please ensure that you provide all of your supporting documents when you submit your application. It may be helpful to have these documents handy when you apply:

  • 100 points of identification
  • Your basic personal information (full name, date of birth, address etc.)
  • The reason for your loan
  • Your myGov details (if you receive Centrelink benefits)
  • Your online banking details

Same day cash loans Melbourne with bad credit

If you have bad credit, a same day cash loan may seem impossible to find. Traditional lenders, like banks and credit unions, have very strict credit requirements. Here at Jacaranda Finance, we are able to be more lenient in our applicants’ credit scores. We will analyse your bank statements, including your income and spending habits, to determine whether a loan is manageable for you. If we find that you can reasonably repay your loan, even with bad credit, we may be able to provide you with a bad credit personal loan.

All of our applicants are subject to a thorough financial assessment. We must conduct credit checks in line with responsible lending practices set by ASIC. However, no matter your credit score, we may be able to provide you with a personal loan.


If you still have questions about our cash loans Melbourne, you may find your answer below.

How much can I borrow?

You can apply to borrow any amount from $1,000 to $15,000. Our team will assess your affordability and approve you for a suitable loan. Your repayment terms will vary depending on how much you borrow.

Why do you need my online banking details?

We use a bank statement service to access read-only copies of your recent bank statements. This is to assess your current financial situation, including your income and expenses, to ensure that a loan will be manageable within your budget. This allows us to provide loans to people with bad credit.

What are the fees and charges?

All of the possible fees and charges on your loan will be clearly outlined in the terms and conditions of your contract. The fees and charges will vary depending on how much you borrow and your current financial situation. Each of our three loan options accompany different fees. It is also likely that if you have a bad credit score, you will be offered a higher interest rate. For more information, visit our costs page.

Can I repay my loan early?

We don’t charge early settlement fees on our loans. This means that if you can repay your loan early, you are free to do so without any extra charges added to your loan amount. This could save you money in interest or monthly charges.

Can I receive a loan if I receive Centrelink?

We consider most forms of Centrelink payments as regular income. As long as you have been receiving your government benefits for at least 90 days and meet the rest of our eligibility requirements, we may be able to provide you with a loan for Centrelink customers.

Can I get a loan if I’m not from Melbourne?

Jacaranda Finance specialises in offering loans to Australians nationwide. Whether you are searching for cash loans Brisbane, cash loans Sydney or cash loans Perth, we will have a loan option to suit you.

Bond Loans Melbourne: What you need to know

Bond can often be thousands of dollars out-of-pocket. If you cannot afford to spare this cash, you might wish to consider taking out a bond loan with Jacaranda Finance. 

When you rent privately, at most times you will be required to pay bond. This is a security deposit that is held by the Residential Tenancies Authority (RTA) that would be used to cover any damages sustained to the property at the end of your lease. If your property is undamaged at the end of your lease agreement, your landlord will not make a claim on your bond and the full amount will be returned to your account.

Please note that even if your landlord retains a portion of your bond amount, you will still be required to repay your entire bond loan. Bond loans Melbourne are valid for bond loans only; if you require assistance covering advance rent payments or moving costs, you may be eligible for help from the Housing Establishment Fund. 

Who can apply for a bond loan Melbourne?

There are a few requirements for a bond loan Melbourne that all applicants must meet. You can apply individually, jointly with your spouse or common-law partner or as a member of a shared household. 

  • You are an Australian citizen or permanent resident
  • You don’t own, partly or wholly, any residential property
  • The rent amount you will be paying is less than 55% of your gross weekly income
  • You have repaid bond loans in the past and have no outstanding debt or current/previous public housing tenancies

*If you apply within our standard business hours

**If you have an NPP-enabled bank account

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.