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Centrelink Loans: How it Works

Discover how you can get a loan through Centrelink

On this page:

Step 1. Submit an application online

Step 2. We verify your information

Step 3. Have your cash in 60 seconds

Loan Criteria

Centrelink Loans FAQ

Submit an application online
Submit an application online


Apply online

This will only take you a few minutes. In most cases, you'll get an outcome on the spot at the end of the application. No messing around.

We verify your information
We verify your information


We verify your information

If you're accepted, it takes us a maximum of 60 minutes (during normal business hours) to verify your details and make sure one of our loans is suitable for you.

Have your cash in 60 seconds
Have your cash in 60 seconds


Have your cash in 60 seconds

Once you've been approved and signed your digital contract, most of the time we have the money in your bank account in 60 seconds. Even on weekends.

Loan criteria
Loan criteria

Loan criteria

To apply you don’t need any paper work. You just need to fill out the application form and meet the basic requirements, which are:

👨‍🦰 Be over 18 years of age

💸 Receive a regular income

📱 Have a direct contact number

Reviews don’t lie 🌟

Reviews current as of May, 2021.

What are Instant Cash Loans for Centrelink?

In Australia, you can access loans on Centrelink from a variety of different online lenders. Loans for people who are on Centrelink can provide a simple way for those who need a small financial boost to get the urgent payment they need.

A centrelink cash loan is a method of borrowing for people who use Centrelink services. They are also known as pension cash loans, cash loans for pensioners and "fast cash loans for centrelink".

It’s simple to qualify for one of our short term personal loans. To save your own time and energy, make sure you qualify for one of our loans before you apply.

If you are receiving Centrelink payments, check out your options for Centrelink loans first, before applying for a loan with us!

Centrelink Loans Loans for Centrelink
Centrelink Payday Loans Payday Loans Centrelink
Payday Loans for Centrelink Instant Cash Loans Centrelink
Loans for People on Centrelink Loans Online for Centrelink Customers
Same Day Loans Centrelink Cash Loans for Centrelink

We like to keep things as simple as possible, to make it easy for you.

We specialise in fast short term personal loans repaid over a 12-month term. Refer to our loan calculator to get an estimate of our cash loan costs.

Most of our clients have an outcome on their personal loan application within 1 hour

We understand that when you need money, you need to know as quickly as possible if we can or cannot do the loan.

Therefore, we offer one of the quickest Personal Loan services in the country. Most of our clients have an outcome on their Personal Loan application during normal business hours within 1 hour of submitting the completed loan application.

Loans for people on Centrelink benefits

Do you receive Centrelink benefits? If you do, did you know that you may be eligible to apply for personal loans? Well, if you didn’t know – we’re here to tell you that you can! With Jacaranda Finance, we can help provide personal loans for people on Centrelink. We know that if you are on Centrelink, it can be difficult to be approved for a loan by traditional lenders. We make it easier to apply and get a fair go, because we understand that you may need a loan more than anyone.

Loans for people on Centrelink

When you apply for online loans for Centrelink recipients, you should receive an outcome of your application within an hour. That is if you apply within normal office hours. If you apply outside of office hours it may take slightly longer.

Once you receive approval for your application, we will send you a loan offer with a loan contract. If you are happy with the loan offer, simply send us back the signed contract. After we receive the contract back from you, we will send the loan to you straight away. You should receive the loan within about 24 hours.

Centrelink Youth Allowance loans

Many lenders do not offer Centrelink Youth Allowance loans as they do not accept this benefit as a suitable form of income. At Jacaranda Finance, we endeavour to give all of our applicants a fair assessment on a personal loan. As a result, we will consider a range of factors when determining whether we can offer our customers loans on Centrelink.

If you’re unsure whether you would qualify for loans when on Centrelink, we encourage you to apply anyway. It’s free to do so and we understand that every situation is different. Ultimately, we may be able to provide you with the urgent payment you’ve been looking for.

Less stress & more breathing space with lower repayments

Unlike a Payday Loan or Cash Advance that other lenders offer, our Personal Loan repayment period is suitably long to give you some breathing space while repaying.

This means your repayments will be lower, and in most cases less financially straining than the Payday or Cash Advance loan you may have used in the past.

We are also able to assess your situation based on a higher loan application amount, as the repayments are spread out over a longer time frame.

Our low rates

Our low rates

💰 Personal Loans starting from 7.59% (12.24% 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.