Discover Jacaranda Finance

cash

CASH TO YOUR BANK

We give you the outcome of your application the same day
timer

FAST ASSESSMENTS

Quick Turnarounds & Decisions
$300 $10000
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(you will be sent a verification code by SMS)

Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $10,000 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 flat 20% Establishment Fee and a flat 4% Monthly Fee. 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. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. 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. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. 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. Click here to see a worked example.

We can offer Fast approval loans to sort you out when you’re in a pickle! Apply online at any time!

Have Unexpected Bills Pop Up? Find out More about Fast Loans

fast approval loans

Looking for bad credit unsecured personal loans with very fast approval? Well, you’re in the right place. At Jacaranda Finance, we do personal loans and give very fast outcomes. It takes only a few minutes to complete our application form online. These loans are the perfect thing for when you need cash asap, simply because they are so fast. Keen to find out more? Read on for some more juicy info about the fast approval loans we can offer!

how it works question

What do fast approval loans mean?

As the name suggests, our fast approval loans are lightning fast approval loans! You apply for your loan online and you can receive approval for your loan in less than an hour after submitting your application, subject to your application. A perfect blend of speed and convenience.

how it works question

Can Jacaranda Finance offer fast approval loans?

Looking to get approved for a loan fast? No problem. You don’t need to be anywhere specific. To start you off all you need is an internet enabled device. Then, simply head to our homepage where you can complete our easy online cash advance application form. It only takes a few minutes to complete.

how it works question

How does the application process work?

Applying for our fast approval loans works by first completing our easy online application form. It only takes a few minutes to fill out. It will ask you a few questions about the purpose of your loan, as well as, some personal details. We’ll also need you to provide us with a contact number so that we can let you know the outcome of your cash loans application.

If your application is approved, we will send you a message, extending you an offer for a loan. Your job then is to accept the loan contract. As soon as we receive the contract back from you we’ll transfer your funds. However, if you decide you don’t want to go ahead with the loan you can feel free to reject the loan contract.

how it works question

When should you receive your funds?

As soon as you accept the contract we’ll send your funds to you immediately! Depending on what bank you’re with, this could be within several hours. If your bank takes longer to transfer funds, expect to receive your funds the next day.

how it works question

Who can apply for fast approval loans?

As a responsible lender, we can only lend fast approval loans to those who meet our eligibility requirements. Those who meet the eligibility requirements can apply for fast approval loans with Jacaranda. To be eligible you must be:

how it works question

What information do I need to provide as part of my application?

Along with your instant loans application, you’ll also need to include some documents to verify some of the information provided on your application form. The following is a list of some info required from you.

how it works question

How much can you borrow with a possible fast approval loans?

With our same day fast approval loans, you can borrow between $300 to $2,000 repaid over 12-months. These are our unsecured small personal loans. Alternatively, you can borrow between $2,001 to $4,600 and repay the principal over a period of 13 to 24 months. These are medium secured personal loans. We also offer large secured personal loans between $5,000 and $10,000

how it works question

What are the costs of your personal loans?

Our costs vary slightly between the three different types of loans we have. Here we out the loan the costs between the different types of loans below:

Small personal loan costs:

The costs of our small fast cash loans include an establishment fee of 20% the loan amount. It will also include fees of 4% per month. With these loans, you can borrow between $300 to $2,001 that can be repaid over 12 months. Here’s our full cost list for all our loans:

Medium secured personal loan costs:

Our medium secured personal loans allow you to borrow between $2,000 to $4,600 that can be repaid over 13 – 24 months. For these loans, they require a $400 establishment fee plus 48% annual percentage rate. These loans require a security asset to be tied to the loan.

Our large secured loans are between $5,000 and $10,000 that you can be repaid over 13 to 24 months.

If you want to check how much the repayments will be for borrowing different amounts, use our useful payment calculator found on our homepage.

There is also a $35 dishonour fee for any missed payments. However, if you find that you will not be able to make a payment that month, the best thing to do would be to contact us as soon as possible, so that we can find a solution.

If you would like to learn more about the permissible fees and charges for fast approval loans visit the Moneysmart website.

how it works question

Do we offer bad credit unsecured personal loans with very fast approval

We do ffer bad credit loans for those who have bad credit and struggle to find credit from traditional lenders. We don’t just look at your credit score, we look at your current relationship with money too. We believe in second chances, that’s why we do our best to offer quick bad credit loans.

how it works question

How do repayments work?

When you are repaying our fast approval loans, we use the latest in safe banking technology to direct debit your account. Therefore, your payments can come out of your account automatically, without you having to worry about making the repayments on time. They can be set up to come out of your account on a weekly, fortnightly or monthly basis. We suggest arranging your payment intervals to come out of your account to match your pay cycle. It’s simple and fast, and absolutely no paperwork!

how it works question

How to get bad credit loans?

Some people worry about their eligibility when borrowing a loan, especially if they have bad credit. However, with Jacaranda Finance, we understand that having a bad credit rating does not necessarily mean you are unreliable with finances. Instead, we look at your recent financial history to assess whether you’ll be able to make the loan repayments. So, that’s why we can offer bad credit unsecured personal loans with very fast approval!

how it works question

Do you do cash loans no credit check fast approval Jacaranda?

We do perform credit checks when we offer possible fast approval loans. However, if you have previously been a customer with Jacaranda Finance we may not conduct a check. However, even though we do credit checks, this is not the only thing we look at. So, if you are worried about your bad credit rating, remember that we will also look at your recent financial history to ensure you will be reliable with your repayments.

how it works question

What’s great about the fast approval loans we can offer?

There are many benefits you can enjoy from Jacaranda’s fast approval loans. We’ve decided to outline what all the advantages you can enjoy from Jacaranda’s fast approval loans right here:

Things to keep in mind before you apply for fast approval loans

While it is very easy to apply for fast approval loans there are some things to keep in mind before making the decision to borrow money.

how it works question

Can you afford the repayments?

One of the most important questions to ask yourself before making the decision to apply for bad credit unsecured personal loans with very fast approval it’s important to ensure that you can make the repayments. A good way to do this is to use a budget calculator to help you determine whether you can fit the repayment amounts comfortably into your monthly budget. A good budget calculator can be found on the Moneysmart website.

how it works question

Do you agree with terms and conditions of the loan contract?

Before entering a loan contract it’s important to ensure that you have clearly understood the terms and conditions of the loan. That way you will understand your obligations as a borrower and the lender’s obligation to you. You won’t be surprised by anything throughout your loan term if you agree with everything on the loan contract.

how it works question

What happens if you were to lose your job?

It’s also important to be prepared for the worst to happen. Do you have a backup plan for if the worst were to happen? If you were to lose your job and your reliable stream of income, how easy would it be for you to find a new job? If it wouldn’t be so easy you could risk missing payments and damage your credit score.

In summary, if you are looking for bad credit unsecured personal loans Australia, Jacaranda Finance can help you out. That’s because we understand that things can happen out of the blue and you might need cash fast! So, if you need to borrow fast approval loans, we may be able to help you. Simply fill out our easy online application form and apply for a possible fast approval loans today!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

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

Terms

12
months

Example:

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.

Example of how our medium secured personal loans work

Loan amount

$2,100 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 67.41% 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.

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

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

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

Example of how our large personal loans work

Loan amount

$5,000 minimum
$10,000 maximum

Costs

ANNUAL PERCENTAGE RATE (APR) IS 21.24% Comparison Rate is 48% P.A.

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

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

What our clients say

Have Unexpected Bills Pop Up? Find out More about Fast Loans 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