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Emergency Cash Loans For Life’s Biggest Hurdles!

Emergency Cash Loans For Life’s Biggest Hurdles!

Need help with an emergency?

An unexpected situation or expense is the last thing that any of us want. Whether a surprise bill shows up at your door or your car breaks down, we know just how expensive these emergencies can be! The truth is, none of us actually anticipate a financial emergency. So when one occurs, and you don’t have the funds to cover it, who do you turn to? This is where Jacaranda’s emergency cash loans come into play.

Our personal loans are designed for when these nasty incidents pop up out of the woodwork. Our loans are 100% online, paperless, and quick. All the ingredients for when you need money fast! Read on to find out more!

Jacaranda Finance: Who are we? 

Before we delve further into emergency cash loans, we thought we’d introduce ourselves first. We’re Jacaranda Finance, an award winning lender more Aussies are turning to for a reliable and affordable loan service. Unlike a payday loan, or cash advance, our personal loans have flexible repayment periods that give you some breathing room, saving you the stress of having to gather funds to repay your loan immediately.

When you apply with us, our aim is not to exploit you, but instead help you move forward with your life. We are well aware of the stigma associated with our industry. That’s why Jacaranda is out here to change that for the better. We’ll use honesty, transparency and great service to prove that we are the right lender for you.

What are emergency cash loans?

Emergency cash loans are personal loans provided for a specific need. What’s that? You guessed it – financial emergencies! Financial emergencies are definitely not a fun topic to talk about, but the fact is that most, if not all people will experience them at some point in their lives.  Unfortunately, these emergencies can occur when you’re not exactly flushed with cash.

Emergency loans, however, can provide that much needed leg up, so you can get your life back on track. Jacaranda Finance can approve personal loans for emergencies. Not only that, but we can give you an outcome in 60-minutes!* We understand that when you need money for an emergency, you need it fast!

Can I get emergency cash loans if I’m Centrelink?

Yes! You may be eligible. Jacaranda does approve emergency cash loans for people on Centrelink. Although Centrelink is usually a red flag for traditional lenders like banks and credit unions, Jacaranda prefers to have a more modern approach. Instead of rejecting you immediately, we will assess your application to see if a personal loan is suitable and affordable for you.  This doesn’t mean you’re guaranteed to get a loan. However, we can guarantee we will always give you a fair and just assessment.

What about bad credit? 

Bad credit refers to a less than perfect credit score, usually below 600. Much like Centrelink benefits, Jacaranda has a  modern approach to bad credit than traditional lenders. We believe financial mistakes you’ve made in the past might not accurately represent your current behaviours.

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!

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. Remember, we’re also human and understand that sometimes things happen that are out of your control. That’s why we view a read-only copy of your bank statements to view your current relationship with money. Don’t stress though, we won’t have full access to your account or passwords.

Can I get emergency cash loans 24/7?

You can apply for an emergency cash loan 24 hours a day, 7 days a week at Jacaranda Finance. We endeavour to get  an outcome to you as quickly as possible. If you are in need of quick cash and are looking for an online lender, give Jacaranda a try. Click the apply button above to get started!

Can I apply?

We have a list of eligibility criteria that you’ll need to meet before you apply. To be eligible you need to:

  • Be 18 years or older;
  • Be an Australian Citizen or Permanent Resident;
  • Receiving a regular income into a personal bank account for the last 3 months;
  • Have an active Australian mobile number and email address;
  • Have internet banking set up.

If you meet this criteria, then you’re eligible to apply for an emergency cash loan! Simply scroll to the top of this page to get the ball rolling on your application.

What documents will I need? 

Our application process is super simple and quick! That means no unnecessary documents and paper forms. Just a few important personal and financial details such as:

  • Personal info (name, D.O.B etc);
  • The reason for your loan;
  • Internet banking details;
  • Your MyGov details (if you receive Centrelink benefits);
  • Employment details and employer contact info.

How do I apply for emergency cash loans?

Applying for one of our emergency cash loans couldn’t be easier. You’ll just need to follow the steps provided below and you’re golden!

Step one: Apply online

Firstly, scroll up to the top of this page to our loan calculator. Using the slider, select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’

Step two: Fill out the application

You’ll then be taken to our 100% online application form. Here you’ll be asked for personal and financial details. This step usually only takes most people a couple of minutes to complete. When you’re done, simply hit ‘Submit.’

Step three: We’ll assess you

That’s it from you! We’ll take over from here. Once we’ve received your application, our team of loan specialists will get to work assessing it. If you apply during our regular business hours, then you could receive an outcome in as little as 60-minutes!

Step four: Review and sign your contract

If you’ve been approved for a loan, congratulations! We’ll then send you over an electronic copy of your loan contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!

Step five: Get your cash! 

Once we’ve received your signed copy of your contract, a member of our team will transfer you your cash. If you have an NPP-enabled bank account, then you could have your funds in your account and ready to use in 60-seconds!

How can I repay my loan?

Repaying your loan couldn’t be easier! We set up your repayments to be directly debited in line with your income. There is no need to worry about remembering to make your repayments as they will all be automatic. Once your loan has been successfully repaid in full, your repayments will stop.

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

Sometimes things happen that can affect your ability to make your repayments successfully. If this happens, let us know ASAP. The sooner we know that you’re having trouble paying back your loan, the quicker we can find you a solution.

We require at least 24 hours notice to amend your upcoming payments. Not only can we adjust your future repayments to a more manageable amount, but this will stop you any incurring dishonour fees. We’re human too, and we understand that sometimes, these things do happen.

What loans do we offer? 

We’re glad you asked! Jacaranda can offer 3 types of personal loans. We’ve listed these in the table below:

Loan TypeSecured OptionsLoan amountLoan term
Small LoanUnsecured$300 to $2,00012 months
Medium LoanSecured$2100 to $4,60013 to 24 months
Large LoanSecured$5,000 to $10,00013 to 24 months

If you’re curious about our interest rates and fees, head to our costs page for more info.

Why apply at Jacaranda? 

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 one of 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 submit an application. You can apply from any device (smartphone, tablet, laptop) at any time of the day from the comfort of your own home.

We put our clients first

Our customer service is second to none. Not only is our customer service team incredibly knowledgeable, but they’re super 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 or pop us an email 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 being transparent and honest. That means we won’t hide any fees or charges from you. These will be stated clearly in your loan 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!

Ready to apply? 

If you’ve experienced some sort of financial emergency and don’t have the cash to cover the costs, Jacaranda can lend a hand. Our affordable lending options are incredibly quick and easy to apply for. Don’t wait days for an outcome only to be rejected, scroll up to the top of this page and submit an application  with us!

Find out more

Have we answered all your questions regarding emergency cash loans? For a little more information on emergency fast loans, check out the Moneysmart website. If you still have more questions, please don’t hesitate to get in touch with our customer service team.

Like what you’re reading? Find out about how you could apply for an online loan fast approval.

Wondering what a no interest loan really means? Jacaranda has the lowdown on instant cash advance online no credit check today!

*If you apply during business hours and we don’t require any additional information from you

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Last updated: 13/05/2020, 3:57pm

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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.