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Cash Loans in Sydney
- Apply in just minutes1
- Fast same-day outcomes2 and fund transfers3
- Apply anywhere, anytime, 100% online
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 $2,100 up to $25,000, with fixed loan terms as long as 48 months.
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2,660+ Reviews
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1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
I'd like to borrow
Over the term of
You can now check your eligibility,
with no impact on your Credit Score!
2,660+ Reviews
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
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Award-winning lender
Why get a cash loan in Sydney?
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:
- 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. Click here if you're ready to get started!
-
Fast response and quick service. Life savers
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Sydney Cash Loans Details
| Loan Amounts: | $2,100 to $25,000 |
|---|---|
| Loan Terms: | 9 months to 48 months |
| Loan Type: | 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. |
This is not an offer for credit. The amount you can borrow as well as the rate you receive may vary once you complete an application and all relevant details are captured and verified. Credit criteria and terms and conditions apply. Example tables and calculators 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.
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds.3
You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
What can I use cash loans for in Sydney?
Jacaranda'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.
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.
Medical & Dental Expenses
Some medical and dental procedures can cost hundreds if not thousands of dollars! We offer both medical loans and dental loans to pay for those large bills.
Buying Furniture or White Goods
Is your fridge running? Oh, it is? Oh well, you can still upgrade to a better one anyway with a white goods loan.
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.
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.
Home Renovations
Our home renovation loans can provide the funds you need to improve your home via renovations, remodelling, installing tech like solar panels and more.
Travel Expenses
Check out our holiday loans today if you fancy a quick getaway without breaking the bank.
Debt Consolidation
Why make several loan repayments when you could just make one? Consolidate your debts into one easier-to-manage debt consolidation loan with Jacaranda.
Weddings
Let Jacaranda alleviate some of that wedding stress and help you pay for your special day with a wedding loan.
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.
- 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
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.
Average income in Sydney
|
Annual Income |
|
|---|---|
|
$138,202 |
$92,029.60 |
|
Average of Sydney |
Average of Australia |
Cost of living in Sydney
What is the average cost of living in Sydney?
|
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 |
Source:Â Numbeo (2022)
Check out our other FAQs
Sydney 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.
Jacaranda offers three loan products with varying loan amounts that you could borrow:
- Jacaranda Express Personal Loan: $5,000 to $25,000
- Jacaranda Cash Boost Loan: $2,100 to $4,600
- Jacaranda Car Loan: $10,000 to $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 loan products, 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.