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Instant Christmas 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

Need a helping hand with Christmas prezzie’s this year? The festive season is a wonderful time of year, but it can take a toll on your finances. So, if you’re short on cash but you still want to make your family’s dreams come true, you can apply for a Christmas loan from $300 to $10,000.

Who is Jacaranda Finance? 

Jacaranda Finance is Australia’s award-winning online lender that is ready to give every Aussie a fair go on the loan they need. We don’t think you should have to wait weeks for an outcome on your loan application. So, we’ve made the entire process as simple as possible. You can complete an application in a few minutes and our team will do their best to deliver an outcome within 60 minutes**. 

If you’ve been searching for instant Christmas loans, you’re in the right place. Jacaranda Finance is the Aussie lender with a difference. When you apply for a Christmas loan, our team won’t ask you to fill out any paper forms. Our application process is 100% online, and we can access all the information we need electrically. Our team will do their best to get back to you as soon as possible with an outcome so you can get back to the fun stuff – Christmas shopping! 


What are Christmas loans?

A Christmas loan is essentially a personal loan that is used for Christmas expenses. For instance, these expenses include things like gifts for your loved ones, decorations, wrapping paper, food and drinks, party supplies etc.

Jacaranda Finance offers Christmas loans from $300 to $10,000. These loans work exactly the same as our regular personal loans. Therefore, they have agreed upon terms and applicants will be required to pay interest on top of the borrowed amount. 

Where can I get a Christmas loan? 

Right here, at Jacaranda! We offer personal loans to cover Christmas expenses. 

The festive season can be as expensive as it is joyful. That’s why we are making hassle-free Christmas loans available to all Aussies. Our team is committed to making the application process as stress-free and straightforward as possible – we know you already have enough on your plate as December rolls around! 

Apply for Christmas loans for a fair and fast outcome and get money transferred straight to your bank and ready to use in 60 seconds.* When you apply for quick Christmas loans with Jacaranda, you can apply from the comfort of your home or on the go. Our application process is 100% online, so all you need is a few spare minutes and a smart device. Our fast cash loans can be used for a variety of different expenses from Christmas shopping to summer holidays.

When can I apply for instant Christmas loans?

Our application process is 100% online, so that means you can apply for a Christmas loan whenever you like. If you apply during our business hours, then you could get approved in just 60 minutes.*

It’s not an issue If you apply outside of our regular business hours! You might just need to wait until first thing the next day to receive your outcome. 

How much could your loans cost?

If you’d like to know the fees and charges associated with a Christmas loan, or any loan type for that matter, you can head to our costs page. Alternatively, you can use our loan calculator to get an estimation on the costs that could be associated with your loan. 

Where can I borrow money ASAP?

You can borrow money ASAP from a variety of different places. We’ve listed a number of different options for accessing credit below:

  1. Online lenders
  2. Banks
  3. Credit Unions
  4. Centrelink benefits
  5. Cash advances
  6. Use your credit card
  7. Borrow from a friend or family member
  8. Low-income loans providers

Do your research and find out which option suits your financial situation. If you’re looking for a fair go on your loan, online lenders can provide loans for people with bad credit.

Can I get instant Christmas loans? 

Jacaranda does not offer instant loans, but we can offer just about the next best thing, fast approval loans with instant transfers!

An application usually only takes people 5 to 10 minutes to complete. From there, you could get approval in as little as 60 minutes.* Most people have their cash transferred within 60 seconds of approval. 

Can I apply for quick Christmas loans for bad credit?

Yes, of course. A lot of the time, a bad credit score is the result of a few financial mistakes that happened years ago. You might have made leaps and bounds to rectify these past mistakes, yet your credit score still has nothing to show for it.

At Jacaranda, we get it. We understand that no one is perfect. We’ll take a look at your bank statements to get a better idea of your income and spending habits to assess whether or not a personal loan is right for you. So if your credit score isn’t up to scratch, but we see that you’ve been responsible with money, then you could be approved for a Christmas loan. 

If you’re after a bit of extra cash this Christmas but have had no luck getting approved with the banks, then Jacaranda could give you a Christmas loan for bad credit.

Can I apply for Christmas loans no credit check?

If you’ve been searching for ‘Christmas cash loans no credit check’ or ‘instant Christmas loans’ it is essential to remember that Jacaranda will conduct a credit score check when you apply for a loan. As a part of our commitment to responsible lending, our team is required to perform a credit score check. 

There is no need to panic, though, approval will not be solely based on the result of a credit score check. At Jacaranda, we’ll look at the whole picture to give you the best possible chance at approval. We’re ready to provide all Aussies with the leg up they need this Christmas.

So if you’re worried that your credit score might hold you back, you can rest easy knowing Jacaranda provides Christmas loans for bad credit. 

Can I get Christmas loans on benefits?

If you’ve been googling ‘Christmas loans for unemployed’ or ‘instant Christmas loans for people receiving Centrelink, then you may be worried your Centrelink payments will affect your chance at loan approval.

We encourage Aussies that need some extra cash this Christmas to apply. If you are receiving part of your income from Centrelink payments, you can still apply for a Christmas loan. We cannot guarantee approval for every single applicant; however, we can guarantee all applicants a fair and reasonable assessment on their loan application.

Can I get instant guaranteed Christmas loans?

We do not provide instant guaranteed Christmas loans. This is because we are required by law to conduct an assessment on all eligible applicants.  

Although we do not guarantee approval, we can guarantee that you’ll be given a fair assessment when you submit your application with us. Additionally, Jacaranda does not offer instant approval but we can give you an outcome in just 60 minutes.*

Are Xmas payday loans a thing? 

You might think that payday loans and personal loans are the same thing? Well In actual fact, payday loans have been illegal in Australia since 2013. 

If you’re after a Christmas payday loan this year, then your the closest option you’ll get is most likely a Christmas personal loan. These are similar in nature to payday loans except you’ll have more time to pay them back. 

Jacaranda Christmas loans range from $300 to $10,000 with a repayment period from 12 to 24 months (depending on the amount you apply for). This should give you the breathing room you need to make manageable repayments. 

Am I eligible for Christmas loans online?

To be eligible for Christmas holiday loans you simply need to meet the following basic requirements. Eligible applicants must:

  • Be 18 years old or older;
  • Be an Australian citizen or permanent resident;
  • Have received some type of regular income for the last 90 days into a personal bank account;
  • Have an active mobile number and email address
  • Internet banking must be set up.  

If you meet these requirements, then you’re eligible to apply – it’s that easy! Scroll up and use our loan calculator to get started today.

What documents will I need to show the Jacaranda team?

When you apply for an instant Christmas loan, you won’t need to submit any unnecessary documentation. We ask for a few bits and pieces so you can access any information we need electrically. Here’s what we suggest you have handy when you apply:

  • Personal details like your online banking & employment info; 
  • An active email address and mobile number;
  • The reason you are applying for the loan; 
  • Your MyGov details (if you are receiving Centrelink payments);
  • Employer contact details. 

Why do we need online banking details?

Jacaranda Finance will use your online banking details to access read-only copies of your bank statements. Bank statements give our team a better idea of your spending habits, income and pre-existing financial commitments. 

When we assess your application, we do not base our assessment solely on the results of a credit score check. By providing our team with your online banking details, we can deliver a quicker outcome, and if approved, you can have your money in your bank and ready to use in 60 seconds*. If you have questions, our team is happy to chat. You can get in touch or head to our FAQ page for more information.   

What types of Christmas loans can I apply for?

The types of instant Christmas loans you can apply for will vary depending on the lender you choose. Below are the types of Christmas cash loans we provide:

Loan type




$300 to $2,000

12 months


$2,000 to $4,600

13 to 24 months


$5,000 to $10,000

13 to 24 months

Found a loan that suits you? Great! Scroll up to the top of this page, select a loan amount and click ‘Apply Now.’ 

How do I get Xmas loans?

Applying for the personal loan you need is made easy with Jacaranda Finance. If you’re googling ‘instant Christmas loans’, you’ll be happy to know you can apply for the finance you need in minutes! Follow these steps to apply now:

Apply Online 

Scroll up and use the loan slider at the top of this page to input your desired loan amount and the repayment period. Hit ‘apply now’, and you’ll be directed straight to Jacaranda’s 100% online application.

Fill out the form 

Completing our online application could only take you a few minutes. We’ll just ask you to provide a few essential details so our team can conduct a fair and thorough assessment of your Xmas cash loans application. 

We assess your application

Once your application is submitted, you can kick back and relax. The Jacaranda team will assess your financial situation to see whether you’re suitable for a loan and get back to you with an outcome as soon as possible. 

Sign your agreement 

If our team have successfully matched you with an appropriate Christmas loan, we will be in touch straight away. The Jacaranda team will send over an agreement for you to review and sign. We recommend you read through your contract carefully and ensure you are aware of any fees or charges that could incur for late or failed repayments. As soon as your happy, just sign your agreement and send it back to us. 

Get your cash 

As soon as our team receives your signed contract, we’ll transfer the cash straight to your account. Thanks to instant banking you could receive your money straight to account and ready to use in 60 seconds*.

Responsible lending

We are proud to be part of the Australian community of responsible lenders. That means our team are required, by law, to ensure the following criteria are met when conducting an assessment on a quick Christmas loan: 

  • make reasonable inquiries about the consumer’s financial situation;
  • take reasonable steps to verify the consumer’s financial position;
  • make a preliminary assessment about whether the credit contract is ‘not unsuitable’ for the consumer.

If you’ve got further questions regarding responsible lending, you can visit the website or get in touch with the Jacaranda team for more information.  

Easy ways you can save money this Christmas without a loan

It’s pretty common for people to overspend during the festive season. Research shows that the average Australian spends over $573 on Christmas gifts for their friends, family and workmates. It’s only normal to feel the financial stress of Christmas shopping. Here are some easy ways you can save money this Christmas, without a loan:

  1. Make a budget. One of the worst things you could do this Christmas is to go into a shopping centre with no clear budget in mind. Set aside sometime before your Christmas shopping to get a clear idea of what you’ll be able to comfortably spend on gifts. You should also budget how much you’ll be able to spend on other things like decorations, food, etc. You can start building a budget a month in advance by simply setting aside a fraction of your income. By committing and being consistent with your budget, you’ll be able to have a large enough fund to spend on gifts Christmas shopping.
  2. Plan a gift list in advance. Another effective method to help you save money this Christmas without a loan is to plan a gift list in advance. It’s certainly helpful browsing different gifts ideas and having a prepared gift list going into the festive season. Not only will this method help you plan around your budget and stick to it, but it can also help you remain organised and prepared for the frantic month.  
  3. Consider a gift exchange. Another simple and fun way to save money this Christmas is by doing a Secret Santa gift exchange with your family and friends. This can help you save some extra coin, especially considering you’d only have to buy 1 gift. 
  4. Save on wrapping. If you want to try saving money this Christmas, consider avoiding overly expensive wrapping paper. Consider shopping at discount stores or simply use butcher’s paper. Wrapping paper can get expensive, especially around Xmas.

Find out how you could get a direct loan today!

Want to know more about fast loans online? Click here.

On top of speedy outcomes and fast cash, you can also rest easy in the knowledge that Jacaranda is a responsible lender. That means our team will never approve an applicant if they cannot afford the repayments.

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Reviews current as of June, 2021.

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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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