Looking for Instant Cash Loans Australia? Apply for Fast Cash with us!

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When emergencies strike, you may crave that instant fix. You frantically type “instant cash loans Australia” into Google, however, quickly learn that unfortunately, nothing in this life is instant. But don’t worry, Jacaranda Finance can provide very fast cash loans! You may be thinking, “what exactly constitutes fast?” Well, we’ll let the numbers do the taking.

  • Complete an online application in minutes
  • You can have a result by the end of the day*
  • Cash straight to your bank

*If you apply during business hours

If you apply with Jacaranda Finance over breakfast, you could have your loan all wrapped up by lunch! Now, it’s not instant cash loans Australia. However, we think it’s still pretty damn fast.

About us: Jacaranda Finance

Jacaranda Finance is a short-term online lender with a rooted reputation in the lending industry and a trusted relationship with all our valuable clients. Furthermore, our team of loan specialists work hard and fast, to deliver quick results and maintain a high level of helpful customer service.

At Jacaranda Finance, we provide loans starting at $300 and going up to $10,000. The repayment period depends on the loan amount you choose to borrow. Furthermore, you can complete our application in minutes, and it’s 100% online! So, there’s no need to take trips to the bank, nor wait in never-ending lines – with Jacaranda Finance, waiting days for a personal loan is a thing of the past. We conduct fast assessment and quick turnaround times, so you can sort out your cash flow issues, quickly. So, to get started, simply click the ‘Apply Now’ button below!

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Can I get instant cash loans Australia?

You’re in luck! Jacaranda Finance provides lightning fast cash loans, for when you need it most. When a pipe bursts and your bathroom quickly becomes a swimming pool, your bank account may be a little light. Therefore, Jacaranda Finance wants to help. We work fast and smart to provide personal loans, quickly. We know that when emergencies strike you don’t have time to waste, that’s why you search for “instant cash loans Australia.” For a quick and easy application, enlist the help of the fast loan specialists, Jacaranda Finance.

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What are small fast loans?

If you’re looking for a small financial pick-me-up, you’re in luck because Jacaranda Finance offers small cash loans! Small cash loans are just small personal loans ranging from $300 to $2,000 that can be repaid over 12 months. At Jacaranda Finance all small loans are considered unsecured loans. Therefore, there’s no need to attach security, just fill out a quick application for the cash you need. It’s that easy!

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What are medium to large fast loans?

At Jacaranda FInance, we offer 3 types of personal loans; small, medium and large loans. Medium loans range from $2,001 to $4,600 and large loans start from $5,000 and go up to $10,000 and can be repaid over a period of 13 to 24 months. Furthermore, any personal loan over $2,001 is a secured personal loan, meaning you have to attach security as equity such as a car, motorbike, boat or caravan. If you’re looking for a loan that can go the extra mile and you have security, apply for secured personal loans today!

We may not offer instant cash loans Australia. However, we do provide very quick small, medium or large loans! So, don’t wait, just hit the apply now button to get started.

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Who is eligible to apply?

Before you apply with Jacaranda Finance, have a look over our little list of requirements to make sure you’re eligible to apply. However, there’s no need to worry, it’s not a tricky test.

To apply, you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Receive a regular income into a personal bank account for at least 90 days
  • Have an active mobile number and email address

That’s it! So, before you apply, just remember to check off all these requirements. Once you’ve done that you’re ready to apply with Jacaranda Finance. So, don’t wait; to apply today just hit the ‘Apply now’ button.

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What do I need handy when apply for instant cash loans Australia?

Applying with Jacaranda Finance is super simple. However, we recommend that you have the following details handy before you apply – just to make it that bit easier!

Before you apply, have these details by your side:

  • Personal contact details e.g. mobile number and email address
  • The reason for your loan
  • Internet banking details
  • MyGov info (if applicable)
  • Employment info
  • Details of your security (if applicable)

If you have these details handy, you’ll breeze through your application! However, if you have any questions about what we require when you apply, please send any inquiries apply@jfloans.com.au.

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Can I apply for a loan online?

Yes! At Jacaranda Finance, you can certainly apply for a personal loan online. In fact, our loan service is 100% online. So, you any apply anyway for loans starting at $300 and going up to $10,000! So, whether you’re on the go, or snuggled into your favourite blanket with a cozy cuppa, you can fill out a quick application for quick cash loans.

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How do I apply for fast cash loans?

You can apply with Jacaranda Finance in just a few minutes. We know that time is money and we don’t want to waste any of yours. That’s why you can find your application online, and complete it in minutes. Therefore, you can forget jumping through hoops, rushing to the bank, or tiresome lines – just apply online if you’re looking for instant cash loans Australia.

Follow these three steps to apply with Jacaranda Finance.

Step 1: Submit Application Online

Applying online is super easy. And smart. Just scroll up and you’ll find our helpful loan calculator. Then, select how much you wish to borrow and for how long. You’ll see an estimation of your weekly, fortnightly or monthly payments. Then just enter your name and mobile number. Once you’re happy with your proposed loan terms, click the ‘Apply Now’ button.

You’ll be taken straight to our application, then just fill out a few more details and click ‘Submit!’

Step 2: We Assess your Application

After you submit your application, you can sit back and relax! Have a cuppa and snuggle into your favourite armchair, or simply get back to what you do best. Our team of expert loan specialists will get to work assessing your application.

To assess your application quickly, our team utilises the latest in safe banking technologies to assess your situation. We’ll determine whether you’re suitable for our loan products and we’ll never lend you more than you could afford to repay. If we need any extra info to assess your application, we’ll let you know.

Step 3: Money Transferred Upon Approval

If we approve your application (congrats!), we’ll send over an electronic contract for you to review and sign. Make sure to look over your contract before signing. Then, we’ll transfer cash straight to your bank account right after we receive a signed contract. That’s loans straight to your pocket. However, transfer times will depend on whether your bank plays nice.

And that’s it! Just follow these 3 steps and you could have cash in your bank account in no time. So, don’t wait, if you’re in need of some instant cash loans Australia, have a cozy cuppa in hand and apply from your mobile and laptop right now! We’ll do our best to provide very fast cash loans when you need it most.

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How much do your loans cost?

Ah, yes the least exciting part of lending, the costs. No one likes to talk costs, but we think it’s important for borrowers to understand the relevant fees before applying for a personal loan. So, before applying check out the costs of all our different loan types.

For small personal loans: starting from $300 to $2,000 and can be repaid over 12 months

  • Establishment fee: up to 20% establishment fee
  • Ongoing fee: monthly fee up to 4%

For medium personal loans: secured loans from $2,001 and going up to $4,600 and can be repaid over a 13 to 24 month period

  • Establishment fee: Once-off $400 fee, worked into your repayments
  • Ongoing fee: annual percentage rate (APR) IS 48% and the comparison rate is 67.41% P.A.

For large personal loans: large secured loans from $5,000 and going up to $10,000 and can be repaid over a 13 to 24 month period

  • Ongoing fee: annual percentage rate (APR) IS 21.24% and the comparison rate is 48% P.A.

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. Click here to see a worked example.

If you do not make the repayments on your loan, there may be additional fees.

We think it’s important for clients to understand the costs of their loan. So, if you have any questions about costs, don’t hesitate to contact our friendly loan term!

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Do you conduct credit checks?

The short answer is yes, we do conduct credit checks. So, if you’re looking for instant cash loans Australia no credit check, unfortunately, we can’t offer exactly what you want. However, we also look at more than just your credit score. As part of your assessment policy, we also look at your current relationship with money, and that includes (but not limited to), your income and expenses. That’s why we ask for your internet banking details. Using the latest in safe banking technology, we use your internet banking details to access read-only copies of your bank statement and expenses.

So, if you have bad credit and are looking for instant cash loans Australia, don’t let credit checks deter you from applying with Jacaranda Finance.

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What about bad credit and instant cash loans Australia?

If you’re looking for bad credit instant cash loans Australia, Jacaranda Finance can help by providing bad credit loans! We don’t think less-than-perfect credit should be the final say in your application. That’s why we look at more than just your credit score. We look at your current relationship with money. Therefore, if you’re looking for bad credit loans, then you’ve come to the right lender. We’ll do our best to provide Aussies with bad credit the cash they need.

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Do provide loans for people on Centrelink?

Yes! We sure do. If you receive Centrelink, you’re welcome to apply with Jacaranda Finance. As part of assessment policy, we classify Centrelink as a regular income as long as you’ve been receiving it for at least 3 months.

At Jacaranda Finance we don’t think that receiving Centrelink should be the basis of your loan assessment. Therefore, we want to give all Aussies a chance to apply for the cash they need. So, if you’re looking for instant cash loans Australia and you receive Centrelink, then you can certainly apply for fast loans for people that receive Centrelink.

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Why should I choose Jacaranda Finance?

In a world where the internet is ripe with online business, and tons of online lenders, it can be hard to pick what’s right for you. Therefore, let us help you decide why Jacaranda Finance is the right lender for your cash flow issues.

  1. We’re committed to customer service
  2. Your data is safe with us
  3. We’re 100% transparent about our lending policy
  4. We care about Aussies with bad credit or receiving Centrelink

If you have any questions about our lending service, you can head to our FAQ page and see if the answer is waiting for you. Alternatively, feel free to contact our friendly customer service team on 1300 189 823 or send us a message at apply@jfloans.com.au. Don’t be shy, we’d love to hear from you!

If you’re ready to apply, just scroll up and get started with our loan calculator!

Let’s stay in touch

Want more of Jacaranda Finance? Great! Follow us on Facebook, Instagram, Twitter, Pinterest and Google. And stay tuned for the latest tips and tricks in personal finance and small-time lending straight from the horse’s mouth by following our blog.

How customers rate Jacaranda

Looking for Instant Cash Loans Australia? Apply for Fast Cash with us! Overall rating: 4.8 out of 5 based on 57 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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