Fast Loans Up To $10,000 With Jacaranda Finance | Apply Today!

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fast loans

Jacaranda Finance offers fast loans for those stressful times when you just need some quick cash!

We are now living in a time when speed and convenience are key. Therefore, offering a service or product that consists of both those things is what some would call a ‘double whammy’. And believe it or not, that is exactly what we offer! Our quick loans are not only fast but they are also as convenient as Uber Eats. Although we don’t bring you food, sorry!

If you are in the market for some quick cash, our fast personal loans might be just the ticket! We’re seasoned loan specialists. This means we are well aware of how easy it can be to let your finances get on top of you rather than the other way round. That’s why we offer one of the fastest loan services in the country. In order to combat Aussies’ demands for quick, easy cash.

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What are fast loans?

Well, just in case the name isn’t a dead give away, fast loans are loans that are, well, fast. Essentially, our fast loans are personal loans that are assessed, granted and transferred in a fraction of the time of traditional loans. In fact, you could receive an outcome on your fast cash loans application in as quick as 60 minutes! Naturally, conditions apply but if that’s not fast then we’re not sure what is.

Our quick finance options range from $300 all the way up to $10,000 and can be repaid over a breezy 12 – 24 month period. So, basically, everything about our loan service is fast. The application form could take you just minutes to complete. Plus, we offer speedy outcomes and quick cash into your bank (if you are approved). Sound too good to be true? It’s not!

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How does our lending process work?

We like to think of one of our fast cash loans as a needle in a haystack, just a little easier to find. This is because you may spend hours, maybe even days, searching for a suitable money lender to aid in your cash shortfall, and finally you come across Jacaranda Finance. You need fast cash and that’s exactly what we have!

Once your eyes have feasted on the rich jacaranda purple of our website, you are ready to apply. All you need to do is fill out the loan calculator at the top of the page and click Apply Now.

We’ll then take you to our quick application form which you just need to complete and submit. As soon as your mouse clicks on that submit button, we’ll get to work assessing your application. If you have applied within business hours – here are those conditions we were talking about – you could hear back from us in just 60 short minutes. However, if we require any additional information, this may stretch that time out a little too. Just sit tight and know that we are working hard to determine what the right fit for you is.

If you are after fast approval loans, you really can’t go past us. Not only could you receive an outcome on your application in just 60 minutes, but you could also see the cash in your account before the day is done.

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Ok, so how quickly can I really receive my funds after approval?

Now, as we are yet to figure out how to control space and time, we’re not able to guarantee a timeline as to when you’ll see your new cash in your account. If you are approved, we’ll send you a loan contract to read through and accept (if you’re happy, of course). As soon as you’ve accepted the loan terms, we’ll transfer your funds to your nominated bank account as soon as possible. We will transfer the funds to you with the next round of banking, after you have signed your loan contract.

From there, the amount of time it will take for your loan to reflect in your account will depend on the transfer policies of the bank you are with. Some of our clients receive their funds within a couple of hours and some receive theirs the following business day. Either way, it’s much faster than what traditional lenders can offer.

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Do you offer fast cash loans no credit check with very fast approval?

Well, yes and no. Yes, because we can offer very fast approval, and no, because we don’t offer fast cash loans no credit check. We do, indeed, conduct credit checks on all applications. However, while we don’t technically offer fast cash loans no credit check with very fast approval, your credit score is not enough to stop us in our tracks.

While we do conduct credit checks, we’ll always dig a little deeper than your credit score. We tend to put a little more focus on your current financial situation, rather than the past mistakes that you’re carrying around in your credit report. We’ll do a thorough and fair assessment of your income, expenses, spending habits and overall relationship with money to determine if a loan is right for you.

So, you never know. Being knocked back from loans due to your credit score could be a thing of the past, so long as our fast loans are affordable for you. Even though we can’t offer fast cash loans no credit check, we can promise that we’ll always give you a fair go, despite what your credit report says.

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How do I know if I am eligible to apply?

Despite not offering fast cash loans no credit check fast approval, we do still believe in financial inclusion for all Australians. However, as responsible lenders, we do have some basic eligibility requirements that you need to meet before you can apply. You just need to be:

  • Over the age of 18
  • An Australian citizen or permanent resident
  • Receiving a regular income for the last 90 days (Centrelink payments are accepted)
  • Able to provide a valid mobile number and email address

So, while we don’t offer fast cash loans no credit check fast approval, if you meet these requirements, you could be one step closer to possibly being approved!

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Why should I choose Jacaranda Finance?

Well, quick cash loans are a dime a dozen now that online loans are becoming more accessible. However, as we said, we are the needle in the haystack. We know it’s easy enough for us to tell you this, so we’re going to take it a step further and show you why Jacaranda Finance is the lender for you – should you need a loan, of course.

We put our customers first, always

Unlike some other, more traditional lenders, we understand that when you’re applying with Jacaranda Finance, you’re looking for fast service. That’s why we have designed our loan process to suit our customers first and foremost. An easy application, fast outcomes, no paperwork and no hassle!

Our application process is as simple as they get

As a 100% online lender, you don’t need to fuss around with piles of paperwork and confusing documents. You could complete our application form in just minutes. Plus, everything from the application to your repayments is done completely electronically. No messy paperwork is required, and there is no wasting time.

There are no hidden fees and charges

One of the best things about our personal loans is that we have no hidden costs. Everything is upfront and transparent. So, you don’t have to be worried about being surprised by any charges popping up out of the blue. You’ll be made aware of everything in your loan contract, that’s an absolute promise.

You can pay your loan off early with no early exit fees

Another big plus of applying with us is that you can pay them off as quickly as you like! Many lenders charge early exit fees when you choose to pay your loan out early. Not us! Whenever you wish to throw a few extra dollars onto your repayments, you’re more than welcome to do so, completely free of charge. In fact, you’ll even save money on interest and other monthly fees.

Receive your money quick smart

Finally, since our application and approval process is incredibly fast and online, it means you could receive your funds the same day you get approved! This will, however, depend on what time of the day you are approved and the policies of the bank you are with.

So, there’s your needle. Plain and simple! Mind you, we are fairly biased. Why not see for yourself and apply now for one of our fast cash loans!

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How do I repay my personal loan?

Repaying your fast loan is just as easy as applying for it! After we have approved you, we’ll send you a loan contract. In this, it will state the day in which your payments are due. We will do our best to set this day in line with your pay cycle. However, if you’re not happy with this day, call us on 1300 189 823 and let us know so we can make some changes.

Otherwise, we’ll go ahead and set up for your repayments to be directly debited from your account on this day for the life of your loan. Then, once you have paid off your loan, the payments will stop automatically. The only thing you need to do while repaying your speedy cash loan is to make sure you have enough cash in your account to cover the payment. If one of the direct debits fail to come out, you may be charged a direct debit dishonour fee for the failed payment.

To avoid any unnecessary charges, call us as soon as you know you’re bank account is struggling. As long as you have given us at least 24 business hours notice before your payment is due, we may be able to alter your repayment terms to suit your change in situation.

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What are the possible costs of fast loans?

Repayments are subject to each individual loan assessment and the cost of your individual loan will be clearly outlined in your loan contract. However, to give you an idea of the standard costs here are some examples:

  1. For small unsecured personal loans from $300 to $2,000:
  • An establishment fee of up to 20% of the loan principal
  • Monthly fees of 4% of the loan principal
  • A direct debit dishonour fee for failed payments
  1. For a medium secured personal loan from $2,001 to $4,600:
  • An establishment fee of up to $400
  • An Annual Percentage Rate (APR) of 48% of the loan principal
  • A direct debit dishonour fee for failed payments
  1. For large secured personal loans from $5,000 to $10,000:
  • An APR of 21.24% of the loan principal
  • A direct debit dishonour fee for failed payments

Ready to see how fast we can really be?

Now that we’ve shown you how fast our fast loans really are, it’s time to find out for yourself. If you’ve decided that a loan is the right thing for you at this time, scroll up to the top of this page and use the loan calculator to get started with your application.

If you have any more questions, check out our FAQ page, or send us a message right here!

How customers rate Jacaranda

Fast Loans Up To $10,000 With Jacaranda Finance | Apply Today! Overall rating: 4.8 out of 5 based on 58 reviews.

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Fast & Safe Loans

Small Personal Loan

Loan Amount

Minimum
$300


Maximum
$2,000

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Terms

Minimum
12 Months


Maximum
12 Months

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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
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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.

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Medium Personal Loan

Loan Amount

Minimum
$2,100


Maximum
$4,600

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Terms

Minimum
13 Months


Maximum
24 Months

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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
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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.
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Large Personal Loan

Loan Amount

Minimum
$5,000


Maximum
$10,000

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Terms

Minimum
13 Months


Maximum
24 Months

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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.

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