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Instant Loans Online

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

Instant cash loans without the fuss

Searching for instant loans? Found yourself in a financial emergency and in need of some quick cash? 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. Ultimately, we all need a plan B in life – a safety net for when we start to fall.

That’s what we’re here for.

At Jacaranda Finance we won’t claim to provide ‘instant cash loans online’ but we can offer a seamless and fast application process. Applying for a personal loan doesn’t have to take days! With Jacaranda’s 100% online application form, you could submit your loan request within a matter of minutes. Better still, we could have an outcome for you within the hour and – if approved – the cash could be in your account in just 60 seconds (subject to your chosen bank)!

Not convinced? Keep reading to learn more about instant loans and how Jacaranda could help you put your expenses behind you today!

What is an instant loan?

Thanks to the internet, the way we manage our money has never been easier. For many of us, banking is now virtually paperless and faster than ever. Naturally, this has also changed the way we access finance in our times of need. When we need money fast, it’s now easier to find instant loans online by simply searching ‘online loans instant approval Australia’ on Google. But what are instant loans and are they legitimate?

Definition of instant loans:

Instant loans are a form of finance where minimal documentation is required and applications are approved very quickly. Sometimes, instant loans can be termed as fast personal loans or quick loans, depending on the terms of the lender. Most of the time, you’ll find instant cash loans online. This is because traditional brick and mortar lenders tend to have longer waiting times for finance applications.

Can I get instant loans?

You can get an instant loan online, depending on the terms of the lender. It’s important to note that instant loans don’t necessarily mean instant approval. In most cases, you will still have to wait for the lender to assess your loan.

Jacaranda does not guarantee approval for any applicant. We can, however, deliver you a fast outcome in 60 minutes.* If approved, most people receive their cash within 60 seconds.* Whether or not you get an instant cash transfer, will depend on who you bank with. You can find out if your bank offers instant transfers here.  

How can I get instant cash loans online?

You can apply for fast easy loans online with Jacaranda Finance! At Jacaranda, we don’t claim to offer ‘instant loans’ because we can’t guarantee instant assessment or approval. However, if you apply during our business hours we could give you an outcome in just 60 minutes. Then, if you’re approved and your bank is NPP-enabled, the money could be in your account in just 60 seconds!

Can I get instant loans for bad credit? 

If you’re concerned that your credit score will affect your loan approval, then you’ll want to hear about our stance on bad credit. We will check your credit score when you submit an application with us. However, it’s not the only thing we look at. In fact, we tend to put more focus on your current finances when assessing your application. This includes things like your income and spending habits. 

Jacaranda does not provide instant approval loans, but we can offer just about the next best thing – fast online loans with instant cash transfer.* So if you’ve got a bad credit score, then you may still be eligible for a personal loan with Jacaranda. This is a great alternative for anyone looking for instant loans for bad credit

It’s not ‘instant cash loans Australia’ but it’s pretty damn fast!

How can I borrow money fast?

You could borrow money fast with our quick, hassle-free online application! Jacaranda’s personal loans are some of the fastest offered in the country. As our service is 100% online, you won’t have to fill out any paperforms. Additionally, there is nothing to print off, no scanning required and no need to rifle through pages of tedious documents. You’ll just need to provide us with a few details online and click ‘Submit’. It really is that easy!

60-minute assessments*

The reason our loans are the next best thing to instant loans 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. Most of the time, you’ll get same day cash straight to their bank! You could apply for finance 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. It’s not online loans instant approval, but it could be just as quick.

What types of loans do you offer?

We offer three types of personal loans: small, medium and large. Our small loans range from $300 to $2,000 and are really simple to apply for since they don’t require an asset to be attached to the loan as security.

We also offer medium secured personal loans from $2,100 to $4,600. They do require an asset for security. Generally, you would attach your car, motorbike or caravan to your loan 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. These loans are also secured.

Loan Type

Security Options

Loan amount

Loan term

Small Loan


$300 to $2,000

12 months

Medium Loan


$2,100 to $4,600

13 to 24 months

Large Loan


$5,000 to $10,000

13 to 24 months

How instant are your personal loans?

We can’t promise instant loans but we can guarantee a fast and efficient service!

If you’re eligible, you’ll receive a confirmation 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 if you’re approved. As soon as you’ve received official approval from us, 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 and sign it electronically.

As soon as we’ve received your signed contract, we’ll release the funds instantly within business hours. The amount of time it takes for you to see the money in your bank account will depend on the bank you are with. If your bank offers NPP-enabled payments then you could receive your money in as little as 60 seconds! You can check if they do by searching for them here.

What can I use my instant loan for? 

Jacaranda’s online personal loans can be used for a wide range of expenses. You’ll just need to let us know what you plan to spend the money on in your application. To give you a few ideas, here’s a few of the more common uses for a personal loan:

Debt consolidation: having multiple outstanding debts can be hard to manage. Not too mention it can increase the amount of stress and clutter in your life. A consolidation loan reduces your multiple debts into one simple repayment.

Car repairs: Why is that car problems always seem to happen when we’re short of cash? Unfortunately, that’s not something we can answer, but we can provide you with a loan to cover the costs of your repairs. 

Renovations: Giving your home a facelift can improve your living spaces and add value to your proeprty for when it’s time to sell. Jacaranda provides renovation loans from $300 to $10,000.

Emergencies: Emergencies are not exactly fun to talk about, but they can happen to anyone. If you’ve experienced a financial emergency and need a cash injection, then you can apply for an instant loan with Jacaranda. 

Do you have instant cash loans no credit check for Centrelink customers?

If your bad credit history has stopped you getting approved for instant loans in the past, we could help!

Our company does conduct credit checks on all eligible applicants, 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. So, we believe we get a much more accurate representation of your borrowing habits by taking a look at your current financial situation.

We do this by using custom-built technology to obtain read-only copies of your bank statements. This allows us to verify your actual income and spending habits. It also allows us to get a much better idea of your ability to take out a loan and repay it comfortably.

What about instant cash loans on 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 one of our fast loans. 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. This is regardless of where they get their income from and what their credit score is. We only approve loans that can help clients when they need it.

Can instant cash loans be accessed on a 24/7 basis? 

We know financial emergencies can strike at any time. If you find yourself looking for instant cash loans during the early hours of the morning, then you can apply with Jacaranda Finance. Our website and online application can be assessed on a 24/7 basis. 

If you apply outside our business hours, then you might have to wait a little longer than usual to receive your outcome. There’s no need to stress though! Our assessment team will get to work on your application first thing the next morning. If you’ve been approved for a loan, you could get your cash transferred in an instant! 

Is an instant loan the same as a payday loan? 

Payday loans typically require borrowers to repay their loan within a short time period (usually 16 days to a couple of months). Jacaranda’s instant loans are in fact, personal loans. Personal loans are similar to payday loans but they give borrowers more time to repay their loan. 

Repayment periods on Jacaranda loans usually extend from 12 to 24 months (depending on how ymuch you apply for). 

How do repayments work?

Repaying your loan couldn’t get any easier! Once your application has been officially approved, we will email you out a contract with all your loan details. 

Once you’ve signed your contract, we will organise for your payment amounts to be directly debited from your account on the the sam day as your payday. We do this so you don’t have to worry about accidentally missing payments. 

What if I miss a repayment? 

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.

What are your eligibility requirements?

To qualify for one of our online loans, you need to be:

  • At least 18 years of age;
  • An Australian citizen or permanent resident;
  • Receiving a regular income (for at least 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 is waiting to assess your application as we speak!

What information do I need to supply? 

When submitting your online application for an instant cash loan, you’ll be asked to provide the following details:

  • 100 points of ID (name, D.O.B, etc.)
  • Contact information
  • The reason for your loan
  • Internet banking details
  • Your MyGov account details (if you receive Centrelink benefits)
  • Employment details and employer contact information

How do I apply? 

To apply for a personal loan with Jacaranda, follow the simple steps below. 

Step 1: Submit your online application

To begin your application, scroll up to the top of the page. Using the slider, select the amount you’d like to borrow and then your desired repayment period and click ‘Apply Now.’ You’ll then be asked to fill our some personal and banking details as part of our online application. Once you’re done, hit ‘Submit.’

Step 2: Get assessed

Once we’ve received your completed application one of our assessment specialists will look through your personal and financial information to see if the loan you’ve applied for is manageable. If you applied during our business hours, then you could get your outcome in just 60 minutes. 

Step 3: Get your cash

If you’ve been approved for a loan, our team will send through a digital contract for your to review and sign. Once we’ve received your signed contract, we’ll transfer your cash to you immediately! Most people receive their cash instantly, but this will depend on whether or not your bank supports instant transfers. 

Tips for staying on top of your loan repayments

We understand that making repayments isn’t an easy process for everyone. Every borrower’s financial situation is different, however, there are some methods that can help you manage your loan repayments and ensure they’re being made on time. Here are some tips to help you stay on top of your loan repayments:

  1. Align your payments with your income cycle. This is an easy step that ensures you always have sufficient funds to make your payments on time. You can do this by contacting us to reschedule your payments and have them coming out of your account the same day you’re getting paid. This can be the same day you’re getting your salary or Centrelink pay and is a step that eases the overall process of making your repayments.
  2. Make a budget. In order to make your repayments on time, you need to have sufficient funds. Planning out a budget that you strictly follow can help you get on your feet and get in the habit of spending smartly and increasing your savings. Start off by cutting out any unnecessary costs that could be taking a toll financially and set yourself a realistic goal within a reachable timeframe.
  3. Set reminders. Even if you set up automated payments, you’ll want to know when your bills are due because you’ll most likely have other things to pay off apart from your loan repayments. Set a reminder for all your loan payments, bills, and debt to get a clear picture of what your remaining funds will look like and how you can go about planning your budget.
  4. Set up automated payments. As mentioned above, automated payments can be extremely useful to ensure your payments are being deducted, even when you forget to do so. However, even by setting up automated payments, you’ll still need to ensure there are sufficient funds in your account to avoid being charged late or missed payment fees.

How do I get in touch with Jacaranda Finance to talk about 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 (though you are always welcome to email).

If you need to apply for a new loan, you’ll need to submit an application on our website. We’ll be able to pick up if 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, fast.

What are your normal business hours?

Although you can apply for our loans at any time, we’re not in the office 24/7. We need our beauty sleep too!

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 a loan with us outside of these hours, your application will be one of the first ones we look at when we sit down at our desks.

So, do you need an instant loan?

If you’ve been desperately searching ‘instant approval loans need cash today’ then look no further! We may not be able to guarantee instant loans but we can guarantee you’ll get a fair go at fast finance.

Need a bit of extra spending money this Christmas? Apply for Jacaranda’s online Christmas loans up to $10,000!

Car loans for bad credit are an available option at Jacaranda Finance. Click the link to find out how you can apply!

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

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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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.