Centrelink Loans

We believe receiving government benefits shouldn’t exclude you from access to personal finance when you need it the most. As a result, we could treat your Centrelink payments as an alternative form of income. So, if you fulfil our other requirements, we highly encourage you to apply for a loan with Jacaranda.

Centrelink Loans

We believe receiving government benefits shouldn’t exclude you from access to personal finance when you need it the most. As a result, we could treat your Centrelink payments as an alternative form of income. So, if you fulfil our other requirements, we highly encourage you to apply for a loan with Jacaranda.

Tick100% Online
TickQuick and Easy
Tick$1,000 - $15,000
Tick60-Minute Outcomes*
TickSimple Repayments
TickBad Credit OK

Any credit score

How much do you need to borrow?

$5,000

23 people have applied today

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Our customer rating

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What are Centrelink approved loans?

At Jacaranda, we offer fast cash loans for people on Centrelink. We know anyone can get into a sticky financial situation and a personal loan can be the helping hand you may need. So, we offer personal loans for anyone who is receiving Centrelink payments. Our application process is completely online and you could even get an outcome in as little as 60 minutes (if you apply during our office hours).

However, you might want to check first if you are eligible for any of the top-up options offered by the Department of Human Services. We highly encourage you to look into your other options before applying for a loan as missed payments may lead to additional fees and charges that will be added to your repayments.

Are there Centrelink approved loan options?

Yes, we can offer you a personal loan if you fulfil our other requirements. A personal loan may be a good solution to bridge any financial shortages for you. However, there are multiple options for people who receive Centrelink payments and need additional access to personal finances.

If you find yourself in a difficult financial situation, we recommend that you get in touch with a free financial counsellor first before you consider taking on a loan.

What are Centrelink approved loans?

At Jacaranda, we offer fast cash loans for people on Centrelink. We know anyone can get into a sticky financial situation and a personal loan can be the helping hand you may need. So, we offer personal loans for anyone who is receiving Centrelink payments. Our application process is completely online and you could even get an outcome in as little as 60 minutes (if you apply during our office hours).

However, you might want to check first if you are eligible for any of the top-up options offered by the Department of Human Services. We highly encourage you to look into your other options before applying for a loan as missed payments may lead to additional fees and charges that will be added to your repayments.

Are there Centrelink approved loan options?

Yes, we can offer you a personal loan if you fulfil our other requirements. A personal loan may be a good solution to bridge any financial shortages for you. However, there are multiple options for people who receive Centrelink payments and need additional access to personal finances.

If you find yourself in a difficult financial situation, we recommend that you get in touch with a free financial counsellor first before you consider taking on a loan.

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Get your cash in 60 seconds once approved*

Get a quote

Applying is easy!

Step 1: Apply online

Choose a loan between $1,000 and $15,000 and complete your application in minutes

Step 2: Get a quick decision

We’ll let you know if we think we can help you on the spot when you finish your application.

Step 3: Get your cash

For most customers, we can have the cash in your bank and ready to use within 60 seconds, once your contract has been signed.

Three types of Centrelink loans

Loan Type Security Options Loan Amount Loan Term
Small Loan Unsecured $1,000 to $2,000 6 to 12 months
Medium Loan Secured $2,100 to $4,600 12 to 36 months
Large Loan Secured $5,000 to $15,000 12 to 36 months

How to get a Centrelink loan with Jacaranda

Use our 100% online application

If you’re ready to apply for a Centrelink loan, Jacaranda Finance is ready to help you. To apply, follow these three simple steps:

  1. Apply online;
  2. Get your quick outcome, and;
  3. Receive your cash.

Have your supporting documents handy

To help us process your loan as fast as possible, it can be handy to have all your supporting documents ready before you apply. As mentioned, this information includes:

  • Basic personal information;
  • The reason for your loan;
  • Online banking login details;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Otherwise employment details and contact info of your workplace (we may need to get in contact in order to verify your employment status).

Sign your electronic contract

Once we receive your signed contract, we transfer your funds. We’re fast, so make sure you have your phone available to sign your electronic contract when it comes through to your email.

Be available if our team needs extra information

To process your application, we might need extra information from you. To give you the fastest outcome, please make sure you’re available to give any additional information we may ask for.

Why choose Jacaranda for an online personal loan

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Our tech

We've won numerous awards for our state-of-the-art technology. We have created one of Australia's smartest, 100% online application processes to make applying for a loan quick and easy. We use technology to understand your personal financial position, and we don't just judge your credit score, which is why we're able to help more customers that apply with us.

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Our speed

The 100% online application can be completed in minutes, and will ask you questions about your personal situation as well as automatically request access to read-only copies of your bank statements. 90% of applications have an outcome at the end of the process. The rest of the applicants typically have an outcome within 60-minutes during normal business hours.

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Australian based and family owned

All of our teams are based in Australia to help Australians. We have one of the best customer service reputations in Australia, which is backed up by our reviews on every review platform. We're almost 10 years old and we've been family owned since the beginning. We value good old-fashioned values and we are committed to giving our customers the best experience possible.

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60-second payouts

For most clients who have NPP-enabled bank accounts (which is 90% of bank accounts), the funds will be available and ready to use in your bank account within 60-seconds of accepting your contract. If you do not have an NPP-enabled bank, you will receive your funds overnight on the day you are approved.

What are some common personal loan expenses?

If you’re not sure what you could use one of our fast cash loans online for, there is no shortage of personal expenses you might like to consider.

Medical bills 🚑

Dental expenses 👩‍⚕️

White goods 🧺

Renovation costs 🛠

Unexpected bills 💸

Debt consolidation 💰

Holiday expenses ✈

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must meet our lending criteria:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address
  • Have a minimum income of $400 per week

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

  • Personal details (i.e. Name, Address, DOB)
  • Your phone number and email address
  • The reason for your loan
  • Online banking and employment info

What makes Jacaranda different?

Apply Online

Speedy applications

After a quick personal loan? Apply anywhere, anytime in minutes, without the hassle of a long application. Most people take 8 minutes.

Quick outcomes

Quick outcomes

We'll let you know if we think we can help you within 60-minutes of submitting your application*.

Instant cash

Instant cash

For most customers, we can have the cash in your bank and ready to use within 60 seconds, once your contract has been signed.

Frequently asked questions

* If applied within our standard business hours. 60-minute outcomes are not guaranteed.

** If you have an NPP-enabled bank account.

Apply Now 🚀