Emergency cash loans with instant approval and same day cash straight to your bank!

Emergency Cash Loans

Chevron

emergency cash loans

how it works question

What are emergency cash loans?

An unexpected situation or expense is the last thing that any of us want. Whether it’s white goods deciding not to play ball with you, emergency car repairs or even unexpected travel, we know just how expensive these emergencies can be! Have you found yourself suddenly needing an emergency bond loan for bad credit? None of us anticipates or plans for spilling a glass of red on our snowy white carpet or junior getting his hands on (and into) your make up. While some people might think it’s humorous that the resulting mess resembles a scene from The Shining or a B rate horror movie, it really can be a money nightmare! This is where Jacaranda Finance comes into play. If you find yourself strapped for cash when you need it most, we may be able to help you out with one of our fast cash for emergencies.

If you’re after a little more information on emergency fast loans, check out the Moneysmart website!

how it works question

What are your eligibility criteria for emergency loans?

Being eligible for an emergency cash loan couldn’t be simpler. Are you:

  • At least 18 years old
  • An Australian citizen or permanent resident?
  • Receiving a regular income into a personal bank account (we accept Centrelink benefits as well)?
  • Able to access an active Australian mobile number and email address?

If you meet these criteria, then yes you are eligible to apply for an emergency cash loan 24 7! Simply scroll to the top of this page to get the ball rolling on your emergency bond loan for bad credit application.

how it works question

How do I apply for one of your emergency cash loans?

We’ve made our application process as quick and easy as possible for you. We’re all busy and have a million and one things to do, and an overly complicated emergency loans 24 7 application shouldn’t be one of them! Our application process is 100% online and should take you a few minutes. Just pop up to the top of this page and let us know how much you want to borrow and for how long to get the application process rolling.

Once we have received your successfully completed application, one of our talented assessment team members will take a look at it as soon as they can. Generally, we try to get you an outcome within 60 minutes but sometimes it may take a bit longer. Don’t panic if the 60-minute window has come and gone as we may require some extra information or documentation from you and we’ll be in touch. If we receive your application outside of business hours then we’ll do our best to assess it first thing the next business morning for you.

If you have any questions about anything, feel free to give our customer service team a call and they’ll be able to advise you on the progress of your application and answer any questions you may have. Perhaps you wanted to see if you ‘re eligible to apply for an emergency bond loan for bad credit? Or maybe you’re in a pinch and just looking for emergency loans unemployed no more hassle? No worries! Just give us a call and we can discuss it with you.

how it works question

Do you do credit checks on your emergency cash loans?

Yes, we do.

As responsible lenders, we will always conduct a credit check. However, don’t let this deter you from applying for our emergency loans as we do look at other criteria as well. We are firm believers that your credit history isn’t the be all and end all for deciding whether we lend to you or not. After all, history is just that, history! We also have a thorough set of lending criteria that we consult for every cash loans application we receive. Whilst, we don’t offer emergency cash loans no credit check, we look at more than just your credit score, we look at your current relationship with money as well.

We’re human as well and understand that sometimes things happen that can have an impact on your credit history. So, we look at your current relationship with money by taking a look at your bank statements. Don’t worry, we can only access a read-only copy of your expenses.

If you see a company advertising emergency cash loans no credit check, we suggest being wary. Credit checks are a part of responsible lending and companies that advertise that they don’t do credit checks may be less than reputable.

how it works question

How much will it cost to borrow emergency loans?

Jacaranda Finance offers 3 different types of loans. The costs and fees will vary between the two. Here’s a quick breakdown of the fees that you can expect to pay for each.

Small amount unsecured loans, $300 – $2,000

For our small amount unsecured loans of $300 – $2,000 we charge:

  • A 20% establishment fee
  • A 4% monthly fee that will be applied on the anniversary date of your loan every month

That’s it! We don’t charge any other fees like some other lenders do.

Medium amount secured loans, $2,100 – $4,600

Our medium amount secured loans are charged a little differently. You can expect:

  • An establishment fee of $400
  • An interest rate of 48% per annum. Keep in mind that the more you pay off of your loan, the less interest you will be charged.
  • An ANNUAL PERCENTAGE RATE (APR) of 21.24%

Finally, if one of your direct debit repayments dishonours or fails, we will also charge you a dishonour fee of $35.

Just remember, that if you’re interested in applying for one of our larger fast cash loans of $2,001 – $10,000, you will need to provide a vehicle that you own that we can use as security as they are secured loans.

how it works question

Can I apply for an emergency cash loan if I receive Centrelink?

Yes certainly! If you’re receiving a regular Centrelink benefit into a personal bank account, you are eligible to apply for one of our emergency loans unemployed no more hassle loans. We don’t believe that you should be penalised for receiving Centrelink income, like some other mainstream lenders. Need some emergency cash fast? Great! Just scroll to the top of this page, pop in some details for us and get your application started!

how it works question

How do repayments work for emergency cash loans?

Repaying your emergency cash loans no credit check couldn’t be easier! We set up your repayments to be directly debited in line with your income payday. There is no need to worry about remembering to make your repayments as they will all be automatic for you! Once your loan has been successfully repaid in full, your repayments will stop. How easy is that?

how it works question

What if I can’t make one of my repayments?

Sometimes things happen that can affect your ability to make your repayments successfully. Life really can throw a curveball at you when it wants. If this happens, let us know. The sooner we know that you’re having trouble paying back your quick cash loans unemployed no more hassle loan, the more we can do to get you back on your feet, sooner. We’re here to help you out from the beginning to the end. We’re happy to work with you if you let us know that you’re experiencing some difficulties making your repayments. The sooner you let us know that you need to amend your repayments, the more we can do to help you out. We require at least 24 hours notice to amend your upcoming payments, so it really does pay to give us a quick call. Not only can we adjust your future repayments to a more manageable amount, but it will stop you incurring dishonour fees if you can’t afford one of your direct debits.

We’re human too, and we understand that sometimes, these things do happen. So whether you’ve lost your job, you’ve had your hours cut or an unexpected expense has arisen that will affect your ability to successfully make your repayments, give us a call. We’ll help out any way that we can. Our goal is to help you out by providing you with emergency loans 24/7, not put you into financial distress due to an unforeseen circumstance!

how it works question

Why choose emergency quick cash from Jacaranda Finance?

Here at Jacaranda Finance, we reckon we’re pretty damn good at what we do. But don’t just take our word for it. Here’s a quick list of some of Jacaranda’s top perks that make us the best.

Our application process is super easy – not only are we 100% online, meaning no messy paperwork, but you don’t even have to leave the house to make an application. You can apply from any device (smartphone, tablet, laptop) at any time of the night or day.

We put our clients first – our customer service is second to none. Not only are our customer service team incredibly knowledgeable, but they’re amazingly helpful as well! If you have any questions, comments or queries our team can help you out. Having a problem or not too sure how to proceed? No worries! Just give us a quick call and we’ll do our very best to talk you through the process. We’re committed to helping you when and where we can.

Transparency is our middle name – well, not really, but you get the point. We pride ourselves on the fact that we’re set apart from other lenders by the fact that we have no hidden costs or fees. We’re always clear about all fees from the very beginning, and our approvals team will even talk you through them on the phone before sending your contract. With Jacaranda Finance, you don’t have to worry about getting hit with additional makeup fees as we don’t have any! In fact, we don’t even charge early payout fees. How good is that!

So, if it sounds like one of our speedy loans Australia could be something you’re interested in, scroll to the top of this page and apply now! Let’s work together to get that makeup off the walls or get you where you need to be, fast.

How customers rate Jacaranda

Emergency Cash Loans Overall rating: 4.8 out of 5 based on 57 reviews.

jacaranda tree drawing

Fast & Safe Loans

Small Personal Loan

Loan Amount

Minimum
$300


Maximum
$2,000

Icon of hand with dollar symbol in it

Terms

Minimum
12 Months


Maximum
12 Months

Calender Icon

Costs

Up to 20% Establishment Fee
+ monthly fee up to 4%

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest. The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

WARNING: This comparison rate is true 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
Invoice Icon

Examples

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Bar Graph Icon

Medium Personal Loan

Loan Amount

Minimum
$2,100


Maximum
$4,600

Icon of hand with dollar symbol in it

Terms

Minimum
13 Months


Maximum
24 Months

Calender Icon

Costs

Annual Percentage Rate (APR) is 48%
Comparison Rate is 67.41% per annum.

This comparison rate is based on a medium amount credit contract of $2,500 repaid over 2 years with a $400 establishment fee and APR of 48%.

WARNING: This comparison rate is true 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
Invoice Icon

Examples

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest*) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest*) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

* Reducing intertest means that the 48% APR is applied to the outstanding balance on a loan. When a loan repayment is made, the loans outstanding balance goes down and the APR is applied to that lower balance. Therefore, the interest component of the loan will constantly reduce (as long as repayments are being made!) - thus it is called reducing interest.
Bar Graph Icon

Large Personal Loan

Loan Amount

Minimum
$5,000


Maximum
$10,000

Icon of hand with dollar symbol in it

Terms

Minimum
13 Months


Maximum
24 Months

Calender Icon

Costs

Annual Percentage Rate (APR) is 21.24%
Comparison rate is 48% per annum.

WARNING: This comparison rate is true 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
Invoice Icon

Examples

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

Bar Graph Icon