Home > Easy Loans – Personal Loans Without the Hassle

Easy Loans – Personal Loans Without the Hassle

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

Fast and convenient loans 

Forget about filling out piles of paperwork and taking trips to the bank. Our easy loans are 100% online, so you can apply from your own home and have the funds in your account within hours. 

Thanks to the internet, the way we manage money has never been easier. For most of the world, banking is almost entirely paperless and faster than ever before. Naturally, this has changed the way we access finance in times of need. 

What are easy loans? 

Easy loans are a form of credit or finance where minimal documentation is required and applications are generally approved quickly. Most of the time, you’ll find easy loans online. Traditional lenders like banks tend to have longer wait times and complicated applications. 

Easy loan options

Loan Type Secured Options Loan amount Loan term
Small Loan Unsecured $1,000 to $2,000 12 months
Medium Loan Secured $2,001 to $4,600 13 to 36 months
Large Loan Secured $5,000 to $15,000 13 to 36 months

How it works

If you’d like to apply for a loan with us, there are a few simple steps you’ll need to follow. 

Step 1: Submit your online application

Step 2: We’ll assess your application

Step 3: Receive your outcome

Step 4: Sign your digital contract

Step 5: Gets your funds

Am I eligible?

To be eligible for our easy cash loans, you’ll need to meet a few basic eligibility requirements. You must: 

  • Be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Be receiving a regular income (for at least the last 90 days)
  • Be able to provide a current phone number and email address
  • Have internet banking set up

Documents required

As part of your application, you’ll be required to submit the following information:

  • The reason for your loan
  • Your contact information
  • 100 points of ID
  • Your internet banking logins to verify your financial history
  • If you receive Centrelink income we’ll need your MyGov login details to verify your Centrelink income
  • Any relevant employment details

Frequently asked questions 

Below, we’ve provided answers to some of the most commonly asked questions about our easy online loans. 

How easy is it to get approved for a loan?

Our assessment process is fast and fair. We pride ourselves on giving all Aussies a go at finance, whether they have bad credit or not. We cannot provide a loan to just anyone, however. Responsible lending is very important to us. We will never lend to anyone who cannot comfortably afford the loan repayments.

Can I get easy loans for bad credit?

Yes, if your bad credit has prevented you from getting loan approval in the past, then we could help. We’ve provided thousands of quick easy loans to Aussies with bad credit. Although we will check your credit score, we prefer to focus more on your current finances. This includes your income, spending habits and existing payment arrangements. 

I’m on Centrelink, can I apply for a loan?

Yes, the great news is that if you are receiving Centrelink benefits you may be eligible to get fast cash loans from Jacaranda Finance. However, we do assess all applicants on a case-by-case basis. We just want to make sure you are receiving a regular income so that you can afford the repayments.

Why do you look at my bank statements?

When you apply with us, we view your bank statements to verify your income and check the overall status of your finances. We partner with Credfin, which allows us to quickly and securely access 90-days of your bank statements. We do this to save you the time and hassle of printing or scanning your statements.

Are you loans secured or unsecured?

We have both secured and unsecured loan options. Our unsecured loans are smaller amount loans that range in value from $1,000 to $2,000. Whereas our secured loans are loans from $2,100 and above.

Why apply with Jacaranda? 

With so many lenders in the market, it can be hard to differentiate the good from the bad. Below we’ve listed just a few of the reasons that sets us apart from the rest. 

Transparent practice

We’ll ensure that all the important information is available to you before you commit to a loan. We always clearly state the rates and fees in your loan contract. So if you’re not happy with the terms of the loans, you are not obliged to accept. For more information about the costs of our loans, visit our interest rates page

Fast and easy loans

We’ve taken the hassle out of applying for personal loans. An application can take just a few minutes to apply, and if apply during our business hours, then you could get your outcome in 60 minutes. It’s straightforward and 100% online, meaning you can apply anywhere – whether you’re sitting at home or you’re on-the-go. 

Paperless loans

Our entire loan process is 100% online. Everything from the application to the loan contract can be completed from your laptop or smartphone. With Jacaranda, no longer will you have to fill out paper forms, print or scan documents, or take tedious trips to the bank. Simply scroll up to the top of this page to begin your application. 

Contact us

Whether you’re a new or existing customer, our figurative doors are always open! For all questions, queries and concerns, feel free to contact us via our online form. Alternatively, you can also speak with our customer care team on 1300 189 823. Our excellent customer care team are ready and waiting to help you out when needed!

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.