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Instant Cash Loans

Personal Loans up to $10,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Fast cash loans with Jacaranda

Have you been looking for instant cash loans? Search no more, you may have come to the right place. Are instant cash loans even a thing? At Jacaranda, our loans are not instant, but they are very, very fast. So fast, that you could get an outcome in as little as 60-minutes*!  

Instant loan approval may mean that a lender doesn’t do a background check at all. This may sound great at first, but performing a credit check and assessing your financial situation provides security for both sides. Your lender knows you can afford a loan and so do you. 

Does Jacaranda provide instant cash loans?

While we can’t provide instant cash loans, we can provide fast loans online! A lot of applicants receive their outcome within 60-minutes (if they apply during AEST business hours). However, we do provide an instant transfer. If you receive your loan approval and have an NPP-enabled account, you can receive the funds in as little as 60-seconds. If that’s not instant, we don’t know what is. 

What is an NPP-enabled account?

NPP stands for New Payments Platform. It is a collaboration between big banks and banking providers in Australia that provides safe links between the different banking services to ensure real-time money transfer. In other words, we send you money and you’ll see it in 60-seconds in most cases. Gone are the days of waiting multiple days until your paycheck shows up. 

How do instant cash loans work?

In some circumstances, lenders offer ‘loans with instant approval’. However, that does not necessarily mean you will receive your money instantly. Instead, your lender may not perform a credit check or any other checks to ensure a personal loan is affordable and suitable for you. While it sounds hassle-free, it could mean that you end up with a loan that’s difficult for you to repay. Additionally, these loans often come with higher interest rates. 

Other lenders just like Jacaranda offer almost instant cash loans that may be cheaper and provide additional security. We believe in responsible lending practices and will only lend you money if we think you won’t struggle to repay it.

Why choose Jacaranda?

If you are looking for fast loans, Jacaranda might be your lender of choice! Let us tell you why you will love being a part of the Jacaranda family. We know there is a personal story behind every single application we receive, that’s why our loans cater to a wide range of needs. Let’s explore the Jacaranda point of difference: 

  • Responsible lenders

We believe that everyone should have a fair go. However, we assess your financial situation and your relationship with money thoroughly to ensure the loan you’re getting is suitable and affordable for you. We won’t lend you money we think you will struggle to repay. 

  • Transparent practice

Taking on debt can be a difficult decision. It’s important to us that you have all the information available that you need: Our fees and costs are clearly stated on the costs page and in your loan contract. 

  • Online-based service 

We know time is precious and we won’t make you drive anywhere to hand in your application. Our service is 100% online, quick, and accessible. If you have a computer or a smartphone, you can apply anytime, anywhere. 

How fast are your loans?

We can’t promise you instant cash loans but our loans are almost as fast. Filling in the application will take you a few minutes. If you submit during our business hours, you may receive your outcome within the next 60 minutes. If you have an NPP enabled account, we can send your money instantly after the approval. In this case, you may receive your funds the same day, possibly even in the same hour. 

Should I apply for a loan?

Maybe you are looking into getting a new car but you don’t want to burn through your savings. Or maybe you are facing an unexpected bill that is messing with your monthly budget. A personal loan may be a good solution in many different situations. But it also comes with a financial commitment. Therefore, we highly recommend you think twice before taking on debt. Ask yourself: Can I comfortably afford the repayments without compromising on my current lifestyle? If the answer is “No” and you find yourself in a difficult financial situation, you may want to speak to a free financial counsellor before making a tough decision. Otherwise, a personal loan can give you access to more 

Who is eligible for a loan?

If you’ve been wondering if you are eligible to apply for a loan, you may be surprised. Our loans are tailored to a wide range of different customers and even if your credit history is not as perfect as you wish, we may be able to offer you a loan. If you can answer all the following questions with “Yes”, you are eligible for a loan. 

  • Are you at least 18 years old?
  • Are you an Australian Citizen or Permanent Resident?
  • Can you provide an online banking account with at least 3 months of payment history?
  • Do you have an active mobile number and email address?

That’s all we are asking for. If that sounds like you, we would love to meet you. If you are still unsure if you are eligible for a loan, we offer fast cash solutions for a wide range of customers. 

Loans for people on Centrelink: Receiving Centrelink payments can make it tricky to get accepted for a loan. However, it shouldn’t deny you access from personal finance when you need it the most. We treat Centrelink payments just like any other regular income, so have a go! 

Loans for people with bad credit: We do perform a credit check but it’s not all we’re looking at. So even if you have a bad credit rating, we may still be able to offer you a loan. We mostly care about your current spending habits and how you deal with money. We don’t think past mistakes necessarily shouldn’t affect your financial future. 

Loans for pensioners: Life on a small pension isn’t always easy. It may also affect your ability to get a loan. Not with Jacaranda though! Access to personal finance shouldn’t be a matter of age. 

How can I apply?

Let’s talk about the fun part. Applying for (almost) instant cash loans is easy. Most people submit their applications within a few minutes. However, if you get stuck or have any questions mid-application, our friendly customer service team is by your side. Please note that we can’t take applications over the phone, but we are always happy to troubleshoot! 

Step one: Fill in the online form

To get to the form, head to the top of this page. Choose your preferred loan amount and loan term using the slider and click “Apply Now”. This will bring you to the application form where we will ask for a few personal details such as name, DOB, and address. 

Step two: Getting your best offer 

Once you hit submit, our team gets active. We will perform a credit check and, most importantly, assess your current financial situation. Thanks to modern technology, we can access a read-only version of your bank statements and analyse your relationship with money within a few minutes. You will receive your outcome shortly after. 

Step three: Receive your funds. 

Once you receive your “Yes”, welcome to the Jacaranda family. Shortly after, we will send you your loan contract and ask you to read it thoroughly. We wait to receive your signed copy back, then you may receive your funds immediately (if you have an NPP-enabled banking account). 

What types of loans does Jacaranda offer?

Every financial situation is different. That’s why we offer a wide range of loans for different needs. However, you can group our personal loans in three different sizes: Small, medium, and large. They range from $300 to $10,000 and vary in interest rate and duration. If you are curious about costs allocated to personal loans, head over to our costs page

Small unsecured personal loans

Jacaranda small personal loans start from $300 to $2,000. Repayments can be scheduled weekly, fortnightly, or monthly over 12 months. Small loans can be used to make small purchases or to pay unexpected bills. They are easy to get as you won’t have to provide security with the application. 

Medium secured personal loans 

Our medium personal loans range from $2,001 to $4,600 and their repayment periods range between 13 to 24 months. Medium personal loans are secured loans, which means security in the form of a vehicle (such as a car, motorbike or boat) must be attached to your application. 

Large secured personal loans 

Large personal loans range from $5,000 to $10,000 and repayment periods vary between 13 and 24 months. Like medium personal loans, they require security to be attached to the application. 

Loan type Loan amount Loan term
Unsecured $300 to $2,000 9 to 12 months
Secured $2,001 to $4,600 13 to 24 months
Secured $5,000 to $10,000 13 to 24 months

Some important questions

We know you may still have a bunch of questions regarding personal loans. You can either head over to our FAQ page where you may find some answers or keep on reading. If you still have additional questions, you can send our customer service team a message or call us during our business hours on 1300 189 823. 

Our business hours are: 

Monday to Thursday: 8 am – 6 pm
Friday: 8 am – 4 pm
Saturday: 8 am-12 pm

If you need a loan on the weekend, you can apply with Jacaranda, however, we may take a little longer than usual to get back to you.

Are you going to call my work?

We may get in touch with your workplace to confirm your employment status. However, you don’t have to worry about it. Our well-trained team will never disclose any information about your financial situation or even your loan. 

Why do you need my online banking details?

We want to make sure that our loans are affordable for your budget and suitable for your personal needs. That’s why we access a copy of your bank statements to look at your financial situations from all angles. But of course, your data security is of the highest importance to us. At no time will anyone have access to your bank account. Once your loan has been approved, we will set up regular payments with your permission. That means you can forget about them soon after while the repayment amount is automatically debited from your bank account. 

Does my credit rating affect my loan?

Yes, it does! Your credit rating determines the interest rate a lender can offer you. If you have a good rating, you may get a particularly good interest rate. If you have a bad credit rating, however, some lenders may not approve you for a loan as they see you as a risk factor. We know that mistakes from up to 7 years ago can affect your rating and your approach to personal finances may have changed drastically over that time. That’s why we offer loans for people with bad credit. 

How do I know my loan has been approved?

We will give you a call once we have a green light for your loan. Shortly after, you will also receive an SMS and an email with a link to your loan contract. We will ask you to read it thoroughly and then sign it digitally. 

Are you ready to give it a shot? We are looking forward to your application! Simply head to the top of this page, choose the right loan amount and loan term and get started.

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% 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.