Am I eligible to apply for a loan?

The high-level criteria to successfully qualify for a loan include: Be at least 19 years of age. Be employed on a permanent or casual basis. Have a consistent income going into your bank account for the last 90-days. Be in control of your finances and be handling existing financial commitments comfortably. Be an Australian citizen or permanent resident with a fixed address. Have an active email address, phone number, and online banking account, in your name, that belongs to you. We accept a wider range of credit scores than a bank or a prime lender, but generally we do not recommend you apply if: Your Equifax credit score is under 300 You are currently bankrupt (you must be 12 months discharged and in control of your finances)

How much can I borrow?

Our Cash Boost loan is for smaller expected and unexpected expenses: you can borrow as little as [MaccBorrowMin] and up to [MaccBorrowMax]. Our other loan products offer larger maximum loan limits: Our Personal Loans are for between [LaccBorrowMin] and [LaccBorrowMax]; Our Car Loans are for between [CarBorrowMin] and [CarBorrowMax]

What are the fees and charges?

The fees and charges that come with your Cash Boost loan will depend on the amount you apply for, the term of the loan, your credit rating, and the overall strength of your application. Once you've completed an application, we'll provide you with an offer (pending your acceptance). This will outline all the details of your loan, including the amount, loan term, fees, charges, and relevant terms and conditions.

Will you check my credit history?

Yes, as a responsible lender, we do conduct a credit check on all applications. However, our assessment process takes into consideration your entire financial situation, meaning your credit score isn't the only determining factor of approval or rejection as we also take into account income, expenses, debts and available security. The better your financial position, the better your loan offer could be. We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years and it can be supplied on demand. As a rule of thumb, there are four reporting bodies that we may use to conduct a credit search: Equifax Experian Illion Talefin

How do I repay my cash boost loan?

Thanks to our secured self-service customer portal, you can easily manage your cash boost loan repayments online 24/7, 365 days a year. Repayments can be automatically deducted via direct debit, so all you need to do is make sure you have the money in your nominated bank account by the due date. To make it simple, you can ask to align your repayments with your pay cycle, whether it's on a weekly, fortnightly or monthly basis. After your loan is paid off in full, the repayments will stop, and you can choose to make extra repayments at any time and at no extra cost.

Quick & Easy
Cash Boost

Q: Can I cancel my loan?

Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan. If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn’t qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.

Fast and simple loans from $2,100 to $4,600 for life's mid-sized expenses.

Apply easily in only 5-12 minutes¹

Same-day approvals²
& 60 sec transfers³

Improve credit score with on-time repayments

Check If You Qualify

With no impact on your credit score!

Check If You Qualify with no impact on your credit score!

I'd like to borrow

*Subject to lending criteria, T's and C's'

Get Started Now

*Subject to lending criteria, T's and C's'

Fast and simple loans from $2,100 to $4,600 for life's mid-sized expenses.

Apply easily in only 5-12 minutes¹

Same-day approvals²
& 60 sec transfers³

Improve credit score with on-time repayments

Unexpected Expenses?
Make it easier with our fast Cash Boost Loans.

1.

What is a Cash Boost Loan?

Cash Boost is a small loan solution to help everyday working Australians with small-to-medium-sized expenses, with the cost spread out over the loan term. Our Cash Boost Loan offers loan amounts from $2,100 to $4,600, with loan terms ranging from 9 to 18 months.

Cash Boost is a smaller loan solution than our Express Personal Loans, which offer higher loan amounts ($5,000 - $25,000) and loan terms (24 - 48 months).

2.

What can you use a Cash Boost loan for?

Our loans can be used for some of life’s most important expenses - expected & unexpected.

Car & Vehicle Repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
Rental Bond & Moving

Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
Appliances & Furniture

New beds, TVs, office furniture, white goods dining sets, beds - you name it - can easily cost thousands of dollars.
Dental

Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable loans for dental work.

Car & Vehicle Repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Not to worry!
Rental Bond & Moving

Let us help take some of the stress out of moving. Easily manage expenses such as rental bonds and removalists.
Appliances & Furniture

New beds, TVs, office furniture, white goods dining sets, beds - you name it - can easily cost thousands of dollars.
Dental

Going to the dentist in Australia can be very expensive. We offer fast, flexible and reliable loans for dental work.

3.

The quick Cash Boost application process

We know how important it is to receive your funds in a timely manner. As a hard-working Australian, you don’t have time to waste on needless paperwork.

That’s why our loan application process has been perfected over time to be as simple and quick as possible.

Get Started Now

4.

Estimate Loan Repayments

Want a more detailed estimate of what a Jacaranda Cash Boost might cost you? Use our loan repayment estimate calculator to get a guide on what your repayments could be.

It only takes a few seconds!

Ready to Apply? You can get started now.

Get Started Now

1. I'd like to borrow: $3,000

- +

2. Loan Term (Months)

9 12 15 18

3. Repayment Cycle

Weekly Fortnightly Monthly

...

Estimated per

* Repayment Disclaimer

Interest Rate

47.80%

Comparison Rate**

66.07%

Total Repayment
Including Interest & Fees

...

** Comparison Rate Warning

Ready to Apply? You can get started now.

Get Started Now

5.

Rates & Fees

Jacaranda’s Cash Boost Loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a summary of the costs associated with our Cash Boost Loan.

Interest Rate

Comparison Rate*

Loan Term

Repayment Cycle

Secured or Unsecured

Establishment Fees

Monthly Fees

Risk Fee

Comparison Rate Warning*

Cash Boost

$2,100 - $4,600

Interest Rate

47.80%

Comparison Rate*

About Comparison Rate*

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

66.07%

Loan Term

9 - 18 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured & Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$400 Flat Fee

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$0

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $2,500 over 24 months. 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.

This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.

Interest Rate Comparison Rate*

Loan Term Loan Type

Monthly Fees Repayment Cycle

Establishment Fees Risk Fee

Cash Boost

$2,100 - $4,600

Interest Rate

47.80%

47.80%

Comparison Rate*

What does it mean?

Comparison Rate*

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

66.07%

66.07%

Loan Term

9 - 18 months

9 - 18 months

Loan Type

What does it mean?

Loan Type

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured & Unsecured

Secured & Unsecured

Monthly Fees

What does it mean?

Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$0

$0

Repayment Cycle

Weekly, fortnightly or monthly

Weekly, fortnightly or monthly

Establishment Fees

What does it mean?

Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$400 Flat Fee

$400 Flat Fee

Risk Fee

What does it mean?

Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0

$0

Comparison Rate Warning*

(Cash Boost)

The comparison rate is based on $2,500 over 24 months. 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.

Comparison Rate Warning* The comparison rate is based on $2,500 over 24 months. 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.

6.

Loan Eligibility Criteria

Be at least 19 years of age
Be employed on a permanent or casual basis, with consistent income for 90 days
Be an Australian citizen or permanent resident with a fixed address.
Have an active email address, phone number, & online banking details in your name.
Be in control of your current finances and handling existing financial commitments comfortably.

Information you will need to provide:

Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
Employment status & details
Your bank statements*

*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.

Secured by

Available now

It’s Faster With the FastMoney App

Easily apply for and manage your loan in-app
Make extra repayments, check your balance & more
Easy access to our customer service team

7.

Trusted by 1,000s

4.9/5

4.8/5

4.7/5

4.9/5

- D. Dianita Miguel - Google Review

It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.
- S. Shaan Johari - Google Review

Super easy and fast system, applying was seamless and money was instant!
- K. Kayleb Perkin - Google Review

Fast, reliable service had money in acc same day
- n. naomie falconer - Google Review

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
- N. Nathan Ross - Google Review

Brilliant service and quick action during application process the best there can be when it comes to quick loans.
- B. Breeanne Pocock - Google Review

Jacaranda finance is definitely one of the smoothest and easiest places to apply for a loan. They make the process comfortable and with no hassle. Would recommend Jacaranda to any one !
- S. Scott Milkauskas - Google Review

I found jacaranda after a few other places wouldn't even look at my application, there process was pretty quick, got a response almost immediately and a good deal! Can't ask for much more, would use again and recommend.
- K. Kevin Kupke - Google Review

Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
- J. Jim Mccullough - Google Review

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
- B. Brendan Lau88 - Google Review

Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.
- R. Rebecca Hay - Google Review

Jacaranda finance were amazing they took into account all of my circumstances when other lenders wouldnt. They were easy to contact and keep me up to date at all stages of the easy process.

8.

Cash Boost Loan FAQs

Want to learn more about our loan products and how they work? Find out all the answers to our most common questions here.

The basic eligibility criteria you must meet before submitting an application:

Be at least 19 years of age.
Be employed on a permanent or casual basis.
Have a consistent income going into your own bank account for the last 90 days.
Be in control of your finances and be handling existing financial commitments comfortably.
Be an Australian citizen or permanent resident with a fixed address.
Have an active email address, phone number, and online banking account in your name that belongs to you.

We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:

You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
You are not comfortably repaying your existing financial obligations

Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. Applying for a loan with Jacaranda Finance takes most people 5-12 minutes¹; how quickly you can apply for a loan and receive your funds will depend on your situation.

We only accept loan applications online via our online application form on our website or the FastMoney app. We're 100% online, so there are no other ways to submit an application.

If you’re considering applying for a loan with Jacaranda, you can first check if you qualify using our QualifyCheck technology, which does not affect your credit score.

We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.

Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.

We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.

There are four credit reporting bodies that we may use to conduct a credit check:

Equifax
Experian
illion
Talefin

Review our Privacy Policy for more information.

Jacaranda Finance is reporting data under the Comprehensive Credit Reporting regime. We will now provide a more detailed and comprehensive view of your credit history to credit bureaus.

This means that your positive credit behaviour, such as making timely repayments and managing your loans responsibly, will be reported, potentially strengthening your credit profile and credit score.

Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.

Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.

Download the app on the Google or Apple store today.

Read more: Personal Loan Repayments 101.

Yes, there are a number of ways that you can make additional repayments on your Express Personal Loan at no additional cost. Log into the FastMoney mobile app or customer portal and choose from a range of options such as debit card payment, bank transfer or direct debit.

Anyone unsatisfied with their loan for any reason can return the principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan⁴.

If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.

9.