Looking for Instant Loans? Apply for Fast Loans | Up To $10,000

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instant loans

Before we start, we just want to clear one thing up… we don’t offer instant loans. But what we do offer is still pretty damnd good! So, check it out for yourself!

Are you in need of some instant cash? Apply for a personal loan with Jacaranda Finance instead. If you’re struggling with unexpected bills or feeling a little down in the dumps because your cash flow is stopping you from getting the most out of life, apply for one of our nearly instant cash loans today! We can help you put those bills and expenses behind you and get you back on your feet with one of our instant loans. So, when you need a small loan fast, turn to Jacaranda!

Let’s face it. Sometimes life just gets on top of you and things happen that catch you completely off guard. Suddenly we find ourselves falling further and further into unwanted debt. Therefore, we all need a plan B in life, a safety net for when we start to fall. That’s what we’re here for. Jacaranda Finance offers near instant cash loans are the safety net you can count on when your expenses start to sweep your feet right up from underneath you.

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What are instant loans?

Nearly instant loans are quick, hassle-free, short-term loans. Our online loans Australia are some of the fastest offered in the country. As our instant cash loans service is 100% online, there is absolutely no paperwork for you to fill out! Nothing to print off, no annoying forms to send through and no need to rifle through pages of tedious documents. You just fill a few things out online and click ‘submit’. Our instant cash loans Australia really are that easy!

The reason our instant loans are so instant is that we use cutting-edge technology to help us assess your financial situation much faster than traditional banks and lenders. We don’t need to spend time double checking everything because our advanced system will do it all for us in half the time! This means that we’re able to offer our clients amazingly fast approval times! And, also same day cash straight to your bank! You could apply for your online loans instant approval from your breakfast table and then see the cash in your account by dinner.

That’s the beauty of our loans online; you can apply for them anywhere, anytime. We may not offer loans online instant approval, but we can assess your application quick and deliver results. Don’t worry about getting all dressed up to come in for a meeting. You don’t even need to get out of bed to apply for our online loans. Whether it’s 7 in the morning or 11:30 at night, just jump online and apply for your instant loans with Jacaranda Finance. You could receive a conditional approval straight away! And then your application will be ready for us to go over as soon as we’re back in the office.

How’s that for convenience

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What are your normal business hours?

Although you can apply for your instant cash loans at any time, we’re not in the office 24/7. As we are humans, we do need our beauty sleep and so our normal hours of business are:

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

If you apply for possible instant cash loans outside of these hours, your application will be of the first ones we look at when we sit down at our desks. However, we’re not in the business of wasting customers’ time. So, we’ll let you know as soon as you’ve submitted your application if we’re able to make you an offer.

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What are the types of online loans instant approval you offer?

We offer three types of loans online instant approval. The first type is small personal loans from $300 to $2,000. These are really simple to apply for and don’t require an asset to be attached the loan as security.

We also offer medium secured personal loans from $2,001 to $4,600. They do require an asset to be attached to it. Generally, you would attach your car, motorbike or caravan to your medium secured personal loans and just send through a photo of the vehicle showing the number plate, the vehicle’s registration number and your certificate of ownership just so we know it’s definitely yours. Lastly, we also offer large personal loans from $5,000 to $10,000 that you can repay over 13 to 24 months.

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How instant are your loans online instant approval

They’re pretty instant! Or at least very, very fast.

As we said, if you’re eligible, you’ll receive a conditional approval on your application as soon as you’ve submitted it. From there, it could only be about an hour before we’ve come back to you with our offer. As soon as you’ve received an official approval from us, we’ll give you a call to go over some final details and then we’ll send you your electronic contract. You won’t need to worry about printing this off and scanning it back. You just need to read it carefully, sign it electronically and then email it back to us.

As soon as we’ve received your sign contract, we’ll release the funds instantly. The amount of time it takes for you to see the money in your bank account will depend on the bank you are with and is out of our control. If you bank with Commonwealth, you’ll receive the money in mere minutes, if not, worse case scenario it will be there within the following business day.

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Do you have instant cash loans no credit check Centrelink customer applications?

Firstly, if your bad credit has stopped you from getting approved for instant loans in the past, maybe we can help?

Our company does conduct credit checks on some customers, however, this is not the only thing we look at when assessing your ability to repay your loan. We understand that things happen and people make mistakes and Jacaranda Finance is not here to judge those mistakes.

We believe we get a much more accurate representation of your borrowing habits by taking a look at your current financial situation. Rather than your past mistakes. We use custom-built technology to obtain read-only copies of your bank statements. This is to verify your actual income and spending habits. It allows us to get a much better idea of your ability to take out instant loans and repay them comfortably.

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What about loans for customers receiving Centrelink?

We understand that no matter where you receive your income from, everyone needs a little help sometimes. Therefore, if you do receive Centrelink payments, you’re more than welcome to apply for instant cash loans no credit check Centrelink customers. We will assess your situation as we would any other applicant. As long as you meet all of our eligibility requirements, we will do our best to help you in any way we can.

As responsible lenders, we will never approve anyone who does not appear able to comfortably repay their loan, regardless of where they get their income from and what their credit score is. We approve loans in order to help clients get closer to financial wellness. Therefore, if it seems that the burden of instant loans repayments is going to be too much for someone, we will be obliged to decline their application.

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So, what are the eligibility requirements for instant cash loans no credit check Centrelink customers?

To qualify for online loans instant approval Australia, you need to be:

  • At least 18 years of age
  • An Australian citizen or permanent resident
  • Receiving a regular income for the last 90 days
  • Able to provide a current phone number and email address

If this sounds like you, one of our friendly customer service attendants are waiting to assess your application as we speak!

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How do loans online instant approval payments work?

Repaying your nearly instant loans couldn’t get any easier!

Once your application has been officially approved, someone from our team will get in touch with you. This is just to go over some final details about the terms of your loan. They’ll ask you to elect a day – either weekly, fortnightly or monthly and for 12 to 24 months – in which you would like your payments to be deducted from your account. Now, this day is 100% up to you. However, we do recommend matching it with your payday so you’re never leaving yourself short of cash. Once you’ve agreed on a set day, we will organise for your payment amounts to be directly debited from your account each time.

We do it this way so you don’t have to worry about accidentally missing payments because it slipped your mind. It’s so easy to forget these things sometimes. We want to try and help you avoid being charged a dishonour fee for missed payments as much as possible. However, if one of the automatic payments fails to come out of your account due to insufficient funds, you’ll be charged a $35 dishonour fee. Therefore, it’s important that you always ensure there is enough money in your account. In order for the payments to be deducted successfully. If you know you’re going to be unable to make a payment then just give us a call as soon as possible. We’ll be happy to find a solution that works for everyone.

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How do I get in touch with Jacaranda Finance to talk about my instant loans?

Whether you’re a new customer or an existing one, our figurative doors are always open!

Your best bet for contacting us for general information is via email at apply@jfloans.com.au. However, if your question relates to your loan and you’re not comfortable disclosing your query via email then please feel free to call us on 1300 189 823. We’ll always do a security check when you call us. We will never give the details of your loan to anyone. Our brilliant customer service team are always happy to answer whatever questions you throw their way.

If you need a balance statement, that’s something you’ll want to email us for. However, if you need to change your payment dates or have had a change in financial circumstances, you’ll want to call us as it is more time sensitive.

If you need to apply for a new loan, you’ll need to submit an application on our website. We’ll pick up that you’re an existing client but, we’re legally required to do another assessment, just in case your circumstances have changed.

At Jacaranda Finance, we’re always working to make your experience that much more convenient, enjoyable, and, more importantly, instant.

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So, are you in need of loans online instant approval?

If so, jump back to our home page and get started with your instant cash loans application! Whether you’re after small personal loans from $300 to $2,000 or medium secured personal loans from $2,001 to $4,600 or large secured personal loans from $5,000 to $10,0000, if it’s a safety net you need, Jacaranda Finance is here for you! Apply for your nearly instant loans today and be back on your feet tomorrow!

Apply today!

How customers rate Jacaranda

Looking for Instant Loans? Apply for Fast Loans | Up To $10,000 Overall rating: 4.8 out of 5 based on 60 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) starts at 20.56%
Comparison Rate is 20.56% 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 20.56%.

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) + $555.83 (reducing interest*) = $3955.83 total repayable over 18 months with weekly installments of $50.71.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $1081.85 (reducing interest*) = $5981.85 total repayable over 24 months with weekly installments of $57.51

* Reducing interest means that the 20.56% 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
36 Months

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Costs

Annual Percentage Rate (APR) is 12%
Comparison rate is 19.88% 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
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Examples

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $1831.16 (Interest) = $6831.16 total repayable over 18 months with weekly installments of $87.57.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5041.72 (Interest) = $15041.72 total repayable over 24 months with weekly installments of $144.63.

* Reducing interest means that the 19.88% 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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