While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can.
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can.
In line with our responsible lending obligations, we must conduct an unsuitability assessment to ensure you can manage your loan repayments if you are approved for a loan.
While we cannot provide you with instant loan approval, Jacaranda Finance is one of Australia's fastest online lenders. At Jacaranda Finance, we understand that when you want a personal loan, you don't have time to waste. You're probably very busy, and spending days waiting on your application is the last thing you need.
This is why we created a simple, easy, and fast online application process so you can receive your money almost instantly. We were one of the first lenders in Australia to deliver a 60-second3 loan transfer, and we often process our loans on the same day2.
Most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. Customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers who do not have an NPP-enabled account, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
Jacaranda Finance is an award-winning online lender with an incomparable reputation for providing everyday working Aussies with fast access to money. We offer personal loans from $3,000 to $25,000 which are processed using our innovative loan processing engine.
We are 100% online, meaning that you can apply anywhere in Australia at any time as long as you have a device that is connected to the internet. Whether you need your personal loan for car repairs, medical bills, debt consolidation and much more, Jacaranda Finance could have a loan to suit you.
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.
Money in your bank account and ready to use in 60-seconds3 once approved.
Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.
At Jacaranda Finance, we pride ourselves on giving Aussies a fair go. We believe in honesty and transparency: we're transparent with our fees and charges so you can rest easy knowing you're in safe hands.
The best part is you can apply 100% online without the stress of pages and pages of unnecessary paperwork. Our online application form could only take around 5-12 minutes1 to complete from start to finish depending on your circumstances.
Apply today to see if we can help you!
Am I eligible for a Loan with Jacaranda Finance?
You must meet the following basic eligibility criteria before submitting an application:
Yes, as a responsible lender we do carry out credit checks on eligible applications. Don’t worry though, we don’t let this number define you. We look at a number of factors to best determine if a loan is both affordable and suitable for you.
When you hear “cash loan” you might think of short terms, low amounts and high fees. But at Jacaranda Finance, we do things differently. Our personal loans allow you to borrow $3,000-$25,000 and our fast assessments mean you could get a same day outcome2, with funds in your account in just 60 secs if approved3.
Applying is Quick & Easy
Ready to get started? Click here and apply now.
By submitting a full application for a personal loan, you are authorising a hard credit check. This means that other lenders will be able to see that you applied for a loan and could impact your credit score. Before you submit a full application with Jacaranda Finance, you can check if you qualify with no impact on your credit score*. This is called a soft credit check, and is only visible on your credit report to you.
How to check if you qualify for a personal loan?
If you’re considering applying for a loan with Jacaranda Finance, you can check if you qualify with no impact on your credit score*.
No, checking if you qualify uses a “soft” credit check meaning it does not impact your credit score or appear on your credit file to anyone but you. We recommend checking your eligibility before applying for a loan where possible to reduce the number of applications on your credit report.
To be assessed for a loan from Jacaranda Finance, you must meet the following basic eligibility criteria:
If you are unsure whether you’re eligible, you can check if you qualify with no impact on your credit score*.
We offer two main products at Jacaranda Finance:
For detailed information about who our products are designed for, please review our Target Market Determinations. Our Loan Repayment Calculator and our guide to Jacaranda Finance’s interest rates & fees could help you to predict your repayments before applying.
We understand that life moves fast. That’s why we do too. Apply before 3:00pm from Monday to Friday and Jacaranda Finance will give you a same day outcome2 on your loan application. If approved, your funds will be transferred in 60 seconds3. This means you could apply, have your application assessed and receive your funds all within the same day.
Applying over the weekend? If you submit your application on Saturday morning, you may receive a same-day outcome. Applications received later in the weekend are typically assessed first thing on Monday morning.
You can pay your loan back at any time at no extra cost. That means no early exit or payout fees.
Once you’ve been approved and have accepted your loan contract, we’ll automatically attempt to release the money to your account. Most customers get paid in 60 seconds3.
$3,000 - $25,000
