Deck The Halls With Instant Christmas Loans

"Deck The Halls With Instant Christmas Loans"

Looking for instant Christmas loans? Add a little extra cheer to your holidays with personal Loans from Jacaranda Finance!

Ok, we’re sure that everyone here can agree that Christmas is the best time of the year, right? We all know that you can’t have Christmas without all the extras and that the festive season can get super expensive. So, perhaps you’re after a christmas top-up to put your festivities into full swing without taking too big a swing at your finances.

Whether it’s Christmas in July or the usual Christmas in December that you’re celebrating, we can offer personal loans that can help! From groceries and presents to decorations or travel if you’re going to the in-laws. It’s pretty standard to feel a bit of a financial strain when it comes to the holidays. Therefore, having a bit more cash in your pocket can help cut down on that stress and give you an absolute winner of a holiday!

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What are instant Christmas loans?

Cash loans are basically just short-term personal loans that have the purpose of covering your Christmas expenses. We may not be able to offer instant Christmas loans, but we can certainly offer very fast cash loans. You can use these short-term loans online to help you out with whatever festivity you like.

A personal loan from Jacaranda Loans starts at $300 and goes up to $10,000. Therefore, one would be perfect for covering any Christmas expense you have hanging over your head. The cash loans we can offer are repaid over a 12-24 month period. So, you’ll have plenty of time to get back on your feet after the festive season. Christmas is a time when you should be focusing on family. And, while it can sometimes be hard not to feel a little stressed, we don’t want your finances to be one of the things you are worrying about.

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How do I apply for instant Christmas loans?

If your Christmas plans are turning out to be rather difficult, applying with Jacaranda Finance can be the easiest thing you do all day. All you need to do is go to the top of this page, or any page on our website really, and use the loan calculator to get started. Simply adjust the slider to tell us how much you want to borrow. Then, use the drop-down menu to select your repayment period.

We also ask for your mobile number so we can verify your contact information. Once you’re done filling that out, click Apply Now. You’ll be directed to our online application form which should only take you about a few minutes to fill out. As it is online, you don’t need to worry about printing out any documents or scanning ones to email through. Our application process is as quick and easy as they come! Especially compared to some more traditional money lenders.

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What do I need to apply for a possbible instant Christmas loans?

We’ll just ask you to fill out a few details and then you can go ahead and submit your application. To make sure the process is as speedy as it can be, you’ll want to have a few things handy when you go to apply. These include:

  • The reason for your loan (e.g. Christmas travel expenses)
  • Your internet banking details
  • Your MyGov account details (if applicable)
  • Any relevant employment information

Then, depending on the type of loan you are applying for, we ask you for some additional information. For example, if you are applying for a secured personal loan between $2,001 and $10,000 you will need to provide an asset for security. This can be your car, motorbike, caravan or boat and we’ll just need you to provide a few details for it. We’ll ask you for its:

  • Security model
  • Registration number
  • Security make
  • Security year
  • Fuel type
  • Transmission
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How long will it take to receive my loan?

Well, we may not be able to offer instant Christmas loans, but they are certainly very, very fast loans. At Jacaranda Loans, we offer one of the fastest loan services in the country. If you’re after fast cash loans to cover your Christmas expenses, you’ve definitely come to the right place! As we mentioned before, the application only takes a few short minutes to complete. Then, we’ll let you know straight away if your application is eligible for approval. That way you’re not sitting around, twiddling your thumbs only to find out you haven’t been approved.

If you are conditionally approved, it may only take us about 60 minutes to assess your application. We’ll then get back to you with our offer. This will be either be via email or SMS so just make sure you have your phone handy for that hour so you can be sure not to miss us!

Once everyone is happy, we’ll send you an electronic loan contract to sign and send back to us.

As it is electronic you don’t need to worry about printing it off and scanning it back. You simply add your signature and email it back to us. As soon as we see it in our inbox, we’ll transfer your loan. Most of our clients will see the funds reflect in their nominated bank account within a few hours. However, this does depend on the bank you are with. If you are unsure of the transfer policies of your bank, we suggest getting in touch with them directly.

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Why do you ask for my internet banking details?

The reason we ask for your internet banking details is that we need to be able to give your application the fastest, most accurate assessment that we possibly can. Remember when we said that we offer one of the fastest loan services in the country? Well, using your bank details to verify your finances is exactly how we’re able to do that.

Essentially, the way it works is that you enter your login details and then our secure system will be able to obtain a read-only copy of your bank statements from the last 3 months. Once our system has done this, it will permanently delete your details. No one will actually have access to your account or be able to make any changes. However, if you are concerned, you can simply change your password once you’ve completed your application.

As we have had issues with fraud and identity theft in the past, this is the safest way for us to obtain your banking statements. Manually submitting this information via email carries far greater risk than submitted it through our system. You never know what hackers are hanging around your email account waiting for something juicy to come through. With us, you’ll always have complete security for your sensitive information.

This system also allows us to assess your application in a fraction of the time of some other lenders. It takes a couple of very short minutes for our system obtain your records and assess them. Whereas, manually submitted statements take much longer to assess and its opens your application up to a higher chance of human error. Verifying your financial situation through our system means that you will receive an instant, fair and accurate assessment of your application.

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When can I apply for instant Christmas loans?

Another bonus of applying with Jacaranda Loans is that you can apply whenever you like. It doesn’t even need to be Christmas time! It might be mid-year and your family has decided to throw a massive Christmas in July family reunion. Our lending service is available to you 24 hours a day, 7 days a week, 365 days a year.

Just keep in mind that, if you do apply outside of our normal business hours, it will take us longer than 60 minutes to assess your application and get back to you. If you are applying at the 11th hour or over the weekend, we will get to your application within the first 2 hours of the next business day.

Our normal business hours are:

  • Monday – Thursday: 8 am to 6 pm
  • Friday – 8 am to 4 pm
  • Saturday: 8 am to 12 pm
  • Sundays and public holidays: closed
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Can I apply for instant Christmas loans if I have bad credit?

Yes, you can apply for possible instant Christmas loans even if you have bad credit! Another awesome benefit of our secure verification system is that it allows us to focus more on your financial situation rather than your credit score. As responsible lenders, we will always conduct a credit check. However, don’t let this scare you off as it is not the only the thing look at.

When assessing your application, your income, spending habits and overall relationship with money are what matter to us most. If we can see that you have a consistent income and you manage your money well, we might have the bad credit personal loans for you!

If you have had a couple of financial mishaps that negatively affected your credit score, but you’ve been working to repair it, comprehensive credit reporting will allow us to see your awesome efforts. Therefore, getting approved for finance will become a lot easier for anyone who’s making an effort to repair their bad credit. So, as long as you meet our eligibility requirements, you could be indulging in all your Christmas delight in no time at all!

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How do I know if I am eligible to apply?

As the responsible lenders that we are, we do have a few boxes that you need to tick to qualify with Jacaranda Finance. These boxes state that you must be:

  • Over the age of 18
  • An Australian citizen or permanent resident
  • Receiving a consistent income into your personal bank account for the last 90 days
  • Able to provide a valid mobile number and email address

As long as you can tick all of these off, we should have no problem coming up with a loan offer that is right for you.

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What about if I’m receiving Centrelink payments?

We’re all about giving everyone a fair go. That’s why we can offer loans for people with bad credit, as well as for people who receive Centrelink. Once again, as long as you meet all our eligibility requirements, we’ll count your Centrelink payments as your income. You just need to have been receiving your payments consistently for the last 90 days.

If this sounds like you, the fact that you receive your income from Centrelink won’t stop you from getting approved for nearly instant Christmas loans.

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How much could your loans cost?

As we offer 3 types of instant Christmas loans, the costs do vary between each type. If you’re applying for unsecured personal loans between $300 and $2,000 and repaid over 12 months, you can expect to pay:

  • A one-off establishment fee of 20% of the loan principal (broken down into your regular payments)
  • Monthly fees of 4%
  • A direct debit dishonour fee of $35 for any failed payments

For medium secured personal loans from $2,001 to $4,600 repaid over 13-24 months, you can expect to pay:

  • A one-off establishment fee of $400 (broken down into your regular payments)
  • An annual percentage rate of 48%
  • A direct debit dishonour fee of $35 for any failed payments

For large secured loans from $5,000 to $10,000 repaid over to 13-24 insmonths, you can expect to pay:

  • An annual percentage rate of 21.24%
  • A direct debit dishonour fee of $35 for any failed payments

We also like to note that you will never to be asked to make any upfront payments. Your repayments will include the establishment fee and the interest charges. You can make these repayments weekly, fortnightly or monthly and they will be automatically deducted from your account for the life of your loan. To find out how much your loan will cost, head to the top of this page and use the loan calculator. Otherwise, for some more information on the standard costs of instant loans, check out the MoneySmart website.

Ready to get in the Christmas spirit?

Now that you’re all caught up on our instant Christmas loans (very fast loans!), go ahead and get started with your application! If you have any further questions, all the answers can be found on our FAQs page. Or if you feel like contacting us directly, you can send us a message here or through our Facebook page.

Find out how you could get a direct loan today!

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