Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


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$300 $4600
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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Fast personal loans: A quick solution to life’s pesky problems. Apply now with Jacaranda Finance!

Fast personal loans – borrow up to $4,600 with no hidden fees

Fast personal loans could be. the answer to endless forms, dealing with long, complicated application processes and feeling like you’re signing your life away. Jacaranda Finance is here to ease your pain and, if you qualify, offer you easy, fast personal loans. We are a 100% online loan company so you can apply from the comfort of your couch from any device.

What are fast personal loans? Jacaranda Finance, offers same day, cash loans for Australians who need a helping hand in a crisis. If, when looking for a personal loan fast approval is a must for you, you’re in the right place.

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Types of fast personal loans

When it comes to the types of fast personal loans available, there are a few terms you’re going to want to get your head around.

  1. Secured fast personal loans: Secured fast personal loans are loans that are ‘secured’ by equity, such as a car, caravan, bike or boat. At Jacaranda, we require security for all loans above $2, 000. Secured fast personal loans are also referred to as medium secured personal loans.
  2. Unsecured fast personal loans: Unsecured fast personal loans are typically smaller loans that don’t require security. The lender, however, assumes more risk for an unsecured loan, so the interest rates are higher. Jacaranda’s unsecured fast personal loans are available for any amount below $2,000.
  3. Fixed rate personal loans: A fixed rate loan refers to a fixed, agreed upon interest rate that will remain the same throughout the personal loan term.
  4. Variable rate personal loans: The interest rates for a variable rate personal loan increase and decrease throughout the personal loan term, depending on the economy.
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Fast personal loans, instant approval

Our fast personal loans range from $300 to $4,600 over a 12 to 24 month term. The name fast personal loans refers to our efficient loan application process and our quick approval time. We aim to approve any fast personal loan within 60 minutes. So far, unless we have to check on details and request extra information, we’ve been able to stick to that! Our fast personal loans give you some breathing space, allowing you to settle into your loan repayments and taking the stress out borrowing money. So, if you’re in need of cash fast, apply today. We’ll do our best to sort you out before the stress gets a chance to hit you.

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Eligibility criteria for fast personal loans

To qualify for our fast personal loans there are a few boxes you’ll need to check off:


Be over 18 years of age

Receive a regular income into a personal bank account

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

Once you’ve checked all the eligibility criteria, you are ready to apply for fast, personal loans.

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Information you need to apply for fast personal loans

To save time when applying for our fast personal loans, have these details handy:

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How to apply for fast personal loans

Applying for fast personal loans is easy and quick. We know how precious your time is, so we have put together an easy application process that will have you back to business in no time. To begin all you need to do is visit our website. Our application form is compatible with Android and iOS operating systems so we mean it when we say that you can apply on any device.

Since Jacaranda Finance is a 100% online business, there is no need to travel long distances to strange locations to apply for a fast personal loan. No queues, either! Just don’t forget to check whether you fit our eligibility criteria before applying for a fast personal loan.

Follow these carefully designed steps to help you get your loan in, and back to doing what you do best.

  1. Choose how much you want to borrow and see if the amount shown on our personal loan repayment calculator fits in within your budget.
  2. Once you’ve completed the application and hit the ‘submit’ button, it’s just a matter of minutes until Jacaranda contacts you with an outcome. Easy as that!
  3. Behind the scenes we’ll be checking that the personal loan you want will suit your needs and that you’ll be able to make your loan repayments without being put under any unnecessary financial pressure.

If we need to, we’ll contact you to confirm a few details about your financial position.

Bottom line – when you’re in need, let Jacaranda be your first port of call. We don’t want to increase your financial stress. We always do our best to provide a stress-free fast personal loan experience.

We place huge importance on privacy, which is why we’ve made ours a simple, secure process. Rest assured knowing that any information you enter when you’re applying for fast personal loans with us will be treated with respect and care.

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Fast Personal Loans: Terms and Costs

Fast personal loans are our speciality and we offer our customers 100% transparency when it comes to terms and costs of our loans. Here is a break down of our charges and terms:

Our fast unsecured personal loans:

Our fast secured personal loans:

If numbers aren’t your thing, here are some working examples to show how we structure our fast personal loans.

Example of how our small, unsecured personal loans work:

Example of how our medium secured personal loans work.

Our help doesn’t end there, we also provide a nifty personal loan repayment calculator that you can tailor to your exact personal loan needs.

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Bad credit unsecured personal loans with very fast approval

You may be wondering; can I still apply for a fast personal loan with bad credit. Well, wonder no more, at Jacaranda we are able to look at both bad credit and your current relationship with money, as long as you have at least 90 days of banking history. If you’re after a fast approval personal loan no credit check you’re welcome to apply with us. While we’ll do a credit check, we’ll also take a look at how you manage money at the moment, so don’t let past mistakes stop you from investing in your future.

A bad credit loan can damage your ability to receive a loan from some speciality lenders. Jacaranda’s bad credit loans service your financial needs even with a bad credit.

To help you understand your credit history, you can request a bad credit report from a company like Equifax that details the following information:

It’s important to note that your credit history file would expire if you have no activity over 5 years. This means not having applied for any credit or had any defaults.

Once positive credit reporting kicks in, lenders in Australia will start to report the good that you do to help you lift your credit score. An example of this would be making your repayments on time, without having any defaults added to your loan account.

Whether your credit history is good, bad or nowhere, complete our simple, fast loan application as per usual and feel free to contact us if you have any questions about your bad credit loans. We will answer your enquiry each time you contact us between 8am to 6pm Monday to Friday. If you have a query outside of these times – simply send the team an email and we will get back to you the next business day.

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You ask, we answer!

  1. Can I still apply if I receive Centrelink payments?

    Yes! We access our loans on affordability and suitability, so we don’t automatically discount you because you are receiving government benefits.

  2. Are there any restrictions on loan amount for my first personal loan?

    Applicants who receive Centrelink as their sole source of income will be restricted to no more than a $1,000 loan for their first loan.

  3. Do you require documents when applying for fast personal loans?

    Most of the time, no! At Jacaranda, we utilise the latest and safest banking and identification technology that can obtain 90 days of bank statements online in seconds and confirm your identity online. Outstanding circumstances may require you to supply a hard copy of these documents.

  4. What happens when I apply for fast personal loans outside of business hours?

    Lucky for you, our business is 100% online so you can conveniently apply for a loan anytime. Of course, our worker bees must go home at some point, so our business hours are Monday to Thursday 8am to 6pm, Friday 8am to 4pm and Saturday 8am-12pm. If your application is submitted outside of business hours, you will be contacted within 2 business hours of the next business day.

  5. How quickly will I receive my funds after my fast personal loan has been approved?

    We release the funds within 60 minutes of approval. Depending on what bank you bank with will depend on how quickly you receive these funds. If you are with one of the bigger banks, the funds are normally available within 1 business hour providing your approval is finalised before 3pm Sydney time. If by chance you are not with one of the bigger banks we will still release your funds within 60 minutes of approval, however, it will not appear in your account for up to 24 hours.

  6. Do we charge thousands of percent in interest, fees or charges?

    In the world of financial management, there is a common misconception that small lenders charge hundreds or even thousands of perfect interest, fees and charges on personal loans. We don’t! Our costs are simple and transparent; we charge a 20% establishment fee and a 4% flat fee per month. Try out our personal loan calculator to get an idea of loan repayments.

  7. Can I apply for a fast personal loan with bad credit?

    Yes! We can forgive past bad credit if you have proof of 90 days of income into a personal bank account.

  8. How can I use my fast personal loans?

    With Jacaranda’s fast personal loans, the reason for your personal loan will not affect your application. Here are some reasons people for a fast personal loan:

At Jacaranda, our vision is to provide quality financial service that suits your situation. We understand that you most likely needed money yesterday, so we have devised an efficient and fast loan applications process, with personal loan fast approval.

Ready to get started? Apply for a loan now!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


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

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $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.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Fast personal loans - borrow up to $4,600 with no hidden fees Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much