Instant Loans

Searching for Instant Cash Loans? Jacaranda Finance is one of Australia’s fastest lenders.

Instant Loans

Searching for Instant Cash Loans? Jacaranda Finance is one of Australia’s fastest lenders.

TickQuick Loan Outcomes
TickInstant Transfers
Tick100% Online
TickSimple & Easy Application
TickBad Credit OK

✓ Any credit score

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Do you need an instant loan online?

If you are in an emergency searching for ‘instant cash loans need cash today’, you’ve come to the right place. At Jacaranda Finance, we understand that when you need an instant loan, you don’t have time to waste. This is why we created a simple, easy, and fast application process - so that you can receive your money quickly. We were the first lender in Australia to deliver a 60-second loan transfer, and we often process our loans within 60-minutes*. While we cannot provide you with instant loan approval, Jacaranda Finance is one of Australia’s fastest online lenders.

Why should I choose Jacaranda Finance?

Jacaranda Finance is an award-winning online lender with an incomparable reputation for providing everyday Aussies with financial services. We offer personal loans from $1,000 to $15,000 which are processed using our innovative loan processing engine. We are 100% online, meaning that you can apply anywhere in Australia, at any time. Whether you need your personal loan for car repairs, medical bills, or debt consolidation, Jacaranda Finance has a loan option to suit you.

Do you need an instant loan online?

If you are in an emergency searching for ‘instant cash loans need cash today’, you’ve come to the right place. At Jacaranda Finance, we understand that when you need an instant loan, you don’t have time to waste. This is why we created a simple, easy, and fast application process - so that you can receive your money quickly. We were the first lender in Australia to deliver a 60-second loan transfer, and we often process our loans within 60-minutes*. While we cannot provide you with instant loan approval, Jacaranda Finance is one of Australia’s fastest online lenders.

Why should I choose Jacaranda Finance?

Jacaranda Finance is an award-winning online lender with an incomparable reputation for providing everyday Aussies with financial services. We offer personal loans from $1,000 to $15,000 which are processed using our innovative loan processing engine. We are 100% online, meaning that you can apply anywhere in Australia, at any time. Whether you need your personal loan for car repairs, medical bills, or debt consolidation, Jacaranda Finance has a loan option to suit you.

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Get your cash in 60 seconds once approved*

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How Jacaranda’s quick personal loans work

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Our tech

We developed our own advanced loan processing system, utilising AI and machine learning, that streamlines the application process. This is what has allowed us to be one of the fastest lenders nationwide. Our engine extracts read-only copies of your bank statements, categorises the information, and gives the application a score. With this information, our loan underwriting team can process the application quickly and efficiently.

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Our speed

Our loan processing engine was developed to provide Australians with the fastest access to finance possible. In addition to our processing engine, we have a dedicated team of underwriting experts that complete the application process. We also provide instant loan transfers once approved, so you could have your cash in 60-seconds**.

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Major banks

If you’re with a major bank in Australia, you will likely receive your money in 60-seconds** once transferred. This is because all major banks in Australia are NPP-enabled.

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We open when other lenders don’t

We are committed to providing you with financial assistance, anywhere, any time. Unlike most other lenders, we are even open and processing loans on the weekend. This means that if you need a loan on a Saturday, we could be able to approve your request (if you apply within our business hours).

How can I get instant cash loans online?

While we cannot provide instant loans, we pride ourselves on coming as close to instant loan delivery as we can. In line with responsible lending, we must conduct a sufficient financial assessment to ensure you can manage your loan. If you want to have your loan processed as fast as possible, you could consider the following options:

Use our online application

You can apply for a personal loan using our simple online application form. You can complete your loan application in three simple steps:

  1. Apply online;
  2. Get your outcome, and sign your contract;
  3. Receive your cash.

Have all of your supporting documents ready when you apply

If you are looking for the fastest outcome possible, ensure that you have all of your supporting documents ready when you apply. We cannot approve your application until we receive all of the following documents:

  • Your basic personal information;
  • 100 points of identification;
  • The reason for your loan;
  • Your online bank account login details;
  • Your myGov login details (if you receive Centrelink payments).

Be ready to sign your contract

We cannot transfer your money until we receive a copy of your signed contract. Make sure you have a device available to sign your contract as soon as it comes through to your email.

Be available to provide extra information

In the case we need more information from you, ensure that you’re available to provide this. If we need additional supporting information, we will contact you to request this.

What our customers say about their experience

Google Reviews
5 star rating
Seamless process. The application was quick, straight forward and even when more information was required it was rectified quickly. Would recommend!
- Chris Zelee
5 star rating
I found Jacaranda Finance to be very professional and with an easy online application and once approved money was in account straight away. Was very quick process and very thankful for their help. Highly recommend.
- Julie David
5 star rating
Customer service was amazing, easy to understand, and very straightforward! Very satisfied and will highly recommend it! The process was very quick! Fast, efficient, thorough. The staff was very polite and he quickly addressed my questions in regards to funds. Really impressive.
- William Jack

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

  • Personal details (i.e. Name, Address, DOB)
  • Your phone number and email address
  • The reason for your loan
  • Online banking and employment info

Frequently asked questions

* If applied within our standard business hours. 60-minute outcomes are not guaranteed.

** If you have an NPP-enabled bank account.

A lender you can trust

Jacaranda Finance is the online lender giving Aussies a fair go. We believe in honesty and transparency. We don’t hide our fees and charges. So, you can rest easy knowing you’re in safe hands. The best part is you can apply 100% online without the stress of pages and pages of unnecessary paperwork. Our online application form could only take you a few short minutes to complete. You can apply wherever you are and whenever you like. Jacaranda is built for Aussie borrowers on the go!

At Jacaranda Finance, we take a fresh approach to assessing bad credit loan applications. Our team understands that people and circumstances change. Why should you be judged on a mistake you made up to 7 years ago! If our team can see you have made a considerable effort to reconcile bad credit then you could be eligible for a bad credit rating loan. The best part is an application with Jacaranda is free of charge. That means we’ll assess your application and get back to you with a speedy outcome, without any initial fees.

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