Fast Cash Loans

Fast Cash Loans can act as a safety net when you’re hit with an unexpected bill.
If you find yourself short on cash, a bank might not be able to lend you the money you need quickly.
When you apply for a loan with Jacaranda, we keep things simple, so you can get your funds quickly.

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Borrow $5,000 to $25,000
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Same-Day Approval2
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24-48 month terms

Check If You Qualify

With no impact on your credit score!

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

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

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

Fast Cash Loans can act as a safety net when you’re hit with an unexpected bill.
If you find yourself short on cash, a bank might not be able to lend you the money you need quickly.
When you apply for a loan with Jacaranda, we keep things simple, so you can get your funds quickly.

Decorative graphic of a Coin
Borrow $5,000 to $25,000
Decorative graphic of a clock
Same-Day Approval2
Decorative graphic of a calendar
24-48 month terms

Why choose a Jacaranda Loan?

We’re a fast, reliable and fair lender that’s been helping Aussies since 2014 - here's why we think you should choose us.

We could help your credit score improve

We’re a part of the Comprehensive Credit Reporting (CCR) regime, which makes it much easier to build your credit history and credit score. By making your loan repayments on time and in full, we can communicate this positive repayment information to the credit bureaus, which could help improve your credit score over time.

Find out more about how Comprehensive Credit Reporting works here.

Some's credit score improving thanks to our CCR
THE APPLICATION PROCESS

We Make Applying Easy

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.

Am I eligible for a Fast Cash Loan?

A man applying for quick loan through his laptop

Eligibility requirements

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
A man applying for quick loan through his laptop

What can you use a Fast Cash Loan for?

Our customers commonly take out a Fast Loan for some of the following reasons:

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Car repairs

When your car breaks down or is damaged in an accident, getting it fixed can be very expensive. Our car repair loans can help you get back on the road in no time.

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Vet bills

Whether you need money to pay for an emergency vet bill or to buy a new pet, Jacaranda Finance could have a vet bills loan to suit you.

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Medical bills

Some medical procedures can cost hundreds if not thousands of dollars! You can turn to Jacaranda for a personal loan to help pay for any large medical bills.

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White goods & furniture

Applying for a white goods loan with us can take the stress of a key appliance breaking down: you could receive your money on the same day and hop online to shop for a new one.

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Rental bonds & moving costs

A Jacaranda rental bond loan can help you manage medium expenses such as bonds and with removalists and lets you take some of the stress out of moving.

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Holidays

Personal loans can also be used for flights, accommodation, and other costs that come with booking a holiday. Check out our holiday loans today!

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Home repairs

Whether it's cracked tiles or a leaky roof, a home improvement loan can help you sort out those much-needed repairs you’ve been putting off.

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Home renovations & installations

You can use our home renovation loans to improve your home via renovations, remodelling, installing tech like solar panels, landscaping, and much more!

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Debt consolidation

If you're juggling multiple loan & credit card repayments, you can consolidate them into one easier-to-manage debt consolidation loan with Jacaranda, provided all other repayments are up to date and on time.

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Weddings

Whether it's for the ring, the dress or the venue, let Jacaranda alleviate some of that wedding stress and help you pay for your special day with a wedding loan.

Rates & Fees

Interest Rate
Comparison Rate
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Loan Term
Repayment Cycle
Secured or Unsecured
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Establishment Fees
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Monthly Fees
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Risk Fee
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Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $5,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    24 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $140 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 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.
  • Secured
    Personal Loan
    $5,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    24 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $475 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $0 to $995
    Comparison Rate Warning*
    Comparison Rate Warning: the comparison rate is based on $10,000 over 36 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.

Trusted by 1,000s

4.9/5
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4.9/5
Show the About Reviews modal About Reviews
  • 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 - See More
    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. - See Less
  • Super easy and fast system, applying was seamless and money was instant!
    Super easy and fast system, applying was seamless and money was instant! - See Less
  • Fast, reliable service had money in acc same day
    Fast, reliable service had money in acc same day - See Less
  • Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. - See Less
  • Brilliant service and quick action during application process the best there can be when it comes to quick loans.
    Brilliant service and quick action during application process the best there can be when it comes to quick loans. - See Less
  • 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. - See More
    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 ! - See Less
  • So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started - See More
    So jacaranda finance.. Were great to deal with I was informed where my application was up to every step of the way. My application started on a Saturday and rolled over to the Monday before i received payment... And I wasnt forgotten about or left wondering what was going on. Although I didn't get the amount requested they were able to help me. When others would not.. Defiantly recommenced - See Less
  • Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again. - See Less
  • Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.
    Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. - See Less
  • 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 - See More
    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. - See Less
  • 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 - See More
    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. - See Less
See all FAQs

Fast Cash Loan FAQs

Want to learn more about our Cash Loans and how they work? Find out all the answers to our most frequently asked questions here.

Fast Cash Loans are a loan option available in Australia. They allow you to get cash quickly and easily. They’re especially handy if you’re hit with an unexpected or emergency expense. Many online lenders have technology that allows them to process applications quickly. Fast Cash Loans can usually be accessed within a day, and in some cases, in just a few hours.

Jacaranda Finance offers fast cash loans up to $25,000 with flexible loan terms and repayment options. All you have to do is fill in our quick online application form today and our team will make sure you get a fast outcome.

It's possible to receive a loan offer from us if you have 'bad credit'. We offer fast and reliable personal loans for applicants with varying credit histories. If you're in a good financial position and handling your existing financial commitments comfortably, check if you're eligible and submit an application.

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

Once you've been approved and have accepted our offer by signing your digital contract, we automatically attempt to release the money to your bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money within 60 seconds.3

You must have an NPP-enabled bank account. For customers without an NPP-enabled bank account (or the instant payment fails), the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.

See also: Weekend Loans.

We require bank statements from you to get an insight into your spending habits and to verify your income and expenses. We want to ensure that you can comfortably afford our loan repayments.