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.

Need a financial pick-me-up?

Life in Melbourne moves fast, and if you’re not careful you can lose track of your finances quickly. Whether it’s your car registration nearing its renewal date or you have unexpected bills, a quick cash loan might be what you’re after.

  • $2,500 to $15,000
  • 100% Online
  • Quick & Easy Application
  • Flexible Terms & Repayments

Cash Loans Online Up To $15,000

Money in your bank account and ready to use in 60-seconds once approved3

What can I use a cash loan in Melbourne for?

Melbourne is one of Australia’s most expensive cities. Whether you’re a local or just visiting, there are times when you could use some extra cash up your sleeve. Here are a number of reasons for taking advantage of a quick cash loan today:

Car repairs

Unexpected car repairs are an unfortunate reality for motorists. Whether you’ve backed into a pole or have an expensive-looking light flashing on your dash, a cash loan in Melbourne can sort this out.

Debt consolidation

If you’re struggling with multiple debts, you might want to consider debt consolidation. It can allow you to have your repayments in one easy-to-manage space, and might even help out with reducing your overall interest charges.

Unexpected utility bills

If you’re facing an unexpectedly high electricity or water bill, you probably weren’t budgeting for it. A quick cash loan can give you a helping hand to avoid late fees and charges.

Holiday costs

Visiting Melbourne for a getaway? If you’re wanting some financial help to chip in for accommodation, flights, car hire, or other travel costs, a cash loan in Melbourne can do the trick.

Rental bond costs

If you’re moving into a new place, a cash loan in Melbourne can cover the cost of rental bonds and other costs associated with moving.


Am I eligible for cash loans in Melbourne?

Wanting to find out whether you qualify for cash loans Melbourne? Ask yourself the following questions:

  • Are you over 18 years of age?
  • Are you an Australian citizen or permanent resident?
  • Do you have an active internet banking account?
  • Do you have a current email address and active contact number?
  • Have you been receiving a regular income for the past 90-days?

What do I need to apply?

Jacaranda Finance has made the application process as simple as can be. When applying, you’ll need to have the following information on you:

  • Personal information (name, address, D.O.B)
  • Contact information (phone number and email address)
  • 100 points of ID (e.g. drivers licence)
  • The reason for your application
  • Online banking and employment info

What makes Jacaranda stand out?

Our tech

Jacaranda has developed bank statement technology that allows our team of loan specialists to provide quick outcomes to applicants. Rather than just considering your credit score, we’ll look at an applicant’s financial history including their spending habits and existing debts. Rest assured, our technology only uses read-only copies of bank statements to ensure your information is kept safe and confidential.

Our speed

We’ve tailored our application process to be as quick as possible. We only ask applicants for the essential information, and ensure our application can be completed in just minutes. After submitting an application, 90% of applicants will receive an outcome instantly. Those who don’t usually only wait 60-minutes2 to hear back from our team.

Australian-based and family-owned

Being local to our customers is important to us. It allows us to provide exceptional customer service that is reliable and trusted nationwide. If you don’t believe us, just check out the hundreds of 5-star online reviews that we receive. Along with being local, Jacaranda is also a family-owned and operated business.

60-second payouts

Thanks to our advanced technology, we’re able to provide our clients with the money they need, fast. For those who have NPP-enabled bank accounts (which is 90% of accounts), the funds will be ready for use in just 60-seconds!3 For those who don’t have NPP-enabled accounts, you’ll only have to wait overnight to receive your funds into your account.

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.


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

Frequently Asked Questions