Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Instant loans from Jacaranda Finance. Fast approvals and cash straight to your bank!

Instant Loans Up To $4,600 | Apply Now!

Are you in need of some instant cash? Jacaranda Finance instant loans could have you covered! 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 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.

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 instant cash loans are the safety net you can count on when your expenses start to sweep your feet right up from underneath you.

how it works question

What are instant loans?

Instant loans are quick, hassle-free, short-term loans. Our online loans instant approval 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 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 and more accurately 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 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 instant approval; you can apply for them anywhere, anytime. Don’t worry about getting all dressed up to come in for a meeting or even sit on the phone for half an hour. You don’t even need to get out of bed to apply for our online loans instant approval. 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’ll 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

how it works question

What are your normal business hours?

Although you can apply for your instant cash loans at any time of the day, 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:

This just means that if you apply for your 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.

how it works question

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

We offer two 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.

The second type if medium secured personal loans from $2,001 to $4,600 and 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.

how it works question

How instant are your loans online instant approval

They’re pretty instant!

Like we said, you’ll receive a conditional approval on your application as soon as you’ve submitted it. From there, it will 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.

how it works question

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.

how it works question

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.

how it works question

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:

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

how it works question

How do loans online instant approval payments work?

Repaying your 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.

how it works question

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 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.

Otherwise, you’re always more than welcome to send us a message on Facebook as we have our new AI bot set and ready to answer your questions.

how it works question

So, what is an AI bot and how can it help me with instant cash loans?

An AI bot is an artificial intelligence bot. It is basically just a computer program that enables natural conversations with customers.  We’ve built our bot to help us with 24-hour customer service excellence. Her name is Dani and, unlike us humans, she doesn’t need sleep. So, she is available 24/7 to answer your questions. You can access Dani via our website or through the Facebook page. You just message us as per usual and Dani will be the first to respond. On our website, you’ll see a little message bubble on the bottom right-hand side of the page. Just click that and type in your instant loans question.

Dani is still new so, like anything in the beginning stages, she’ll take some time to get everything completely right. However, she’s already pretty smart and can answer any basic instant loans question you may have. If you’re still lacking a little clarity on your question, don’t worry. Dani will pick up on any confusion and ask you if you’d like to talk to someone from our team.

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

how it works question

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, if it’s a safety net you need, Jacaranda Finance is here for you! Apply for your instant loans today and be back on your feet tomorrow!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $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.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Instant Loans Up To $4,600 | Apply Now! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much