Home > How to Apply
On this page:
Step 1. Submit an online application
Step 2. We verify your information
Step 3. Have your cash in 60 seconds
How to Qualify For a Personal Loan
At Jacaranda, we don’t mess around! We’ve simplified our application so that you can submit it within just a few minutes. In many cases, you'll even get an instant outcome.
If your application is 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.
Once you've been approved and signed your digital contract, most of the time we have the money in your bank account within 60 seconds. Even on weekends!
Traditional lenders don’t make it easy to qualify for a personal loan. Between the mountains of paperwork and stringent criteria, their lending models often fail to capture the full picture. That’s where Jacaranda is different; we pride ourselves on being inclusive. As long as your current financial situation is looking good, we will happily consider your loan application. That includes good credit, bad credit, or no credit at all.
We’ve built backend systems that speed up and verify the boring part so we can focus on what matters - getting approved loans paid out fast. Most of our approved clients get unconditionally approved within 60 minutes of submitting the completed loan application. So, even if you’re not sure whether we could help you, it costs you nothing to find out!
To be eligible for a loan with us, you just need to meet the following basic requirements:
👨🦰 Be over 18 years of age
🇦🇺 Australian citizen or permanent resident
📱 Hold a direct contact number and email address
💸 Received a regular income into a personal bank account for a minimum 90 days
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.