Keeping up with the cost of living in Sydney can be difficult. If you need a bit of a boost for some of life's key expenses, don't worry: Jac's got your back.
At Jacaranda Finance, we offer quick and easy online Cash Loans from $3,000 up to $25,000, with fixed loan terms as long as 36 months.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
There's no doubt that Sydney is a beautiful city, with many perks and attractions that make it worth both living in and visiting. Unfortunately, it's also the most expensive city in Australia and one of the most expensive in the world.
To help you keep up with these high costs, our express cash loans can offer fast approval times, manageable repayments and flexible terms to suit your needs. Thanks to our state-of-the-art online technology, you can:
If you're ready to apply, our loan application process has been perfected over time to be as simple and quick as possible. You can:
Check if you qualify for one of our Personal Loans today!
Jacaranda Finance's Personal Loans can help you cover a wide range of expenses for your financial situation - both the expected and unexpected. With fixed repayments and both secured and unsecured options available, here's what you can use our Cash Loans for in Sydney, and across most of Australia.
| Annual Income | |
|---|---|
| $138,202 | $92,029.60 |
| Average of Sydney | Average of Australia |
| Monthly Cost of Living (incl rent) | |
|---|---|
| $3,898.32 | $10,338.75 |
| Average cost of living for a single person in Sydney | Average cost of living for a family of four in Sydney |
| $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 |
Our loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our charges, or visit our fees page to learn more. For detailed information about who our products are designed for, please review our Target Market Determinations.
No matter where you are in Australia, you can apply for a loan with Jacaranda Finance entirely online!
When you hear “cash loan” you might think of short terms, low amounts and high fees. But at Jacaranda Finance, we do things differently. Our personal loans allow you to borrow $3,000-$25,000 and our fast assessments mean you could get a same day outcome2, with funds in your account in just 60 secs if approved3.
Applying is Quick & Easy
Ready to get started? Click here and apply now.
By submitting a full application for a personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you.
How to check if you qualify for a personal loan?
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
No, checking if you qualify uses a “soft” credit check meaning it does not impact your credit score or appear on your credit file to anyone but you. We recommend checking your eligibility before applying for a loan where possible to reduce the number of applications on your credit report.
To be assessed for a loan from Jacaranda Finance, you must meet the following basic eligibility criteria:
If you are unsure whether you’re eligible, you can check if you qualify with no impact on your credit score*.
We offer two main products at Jacaranda Finance:
For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm from Monday to Friday and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
Applying over the weekend? If you submit your application on Saturday morning, you may receive a same-day outcome. Applications received later in the weekend are typically assessed first thing on Monday morning.
You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.
Once you’ve been approved and have accepted your loan contract, we’ll automatically attempt to release the money to your account. Most customers get paid in 60 seconds3.
$3,000 - $25,000
