Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.

How do I get approved?

Start the application process
iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Instant Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 12 – 24 months
Starting Interest Rate (APR) – Excellent Credit
Check out our Rates & Fees page for all rate bands.
10.48%
Starting Comparison Rate – Excellent Credit
Check out our Rates & Fees page for all rate bands.
12.56%

Based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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.

Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly account keeping fee $0 to $25
Early repayment fee $0
Average turnaround 60 minutes2
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 12 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

Do you need an instant loan online?

If you are in an emergency searching for ‘instant cash loans need cash today’, you’ve come to the right place. At Jacaranda Finance, we understand that when you need an instant loan, you don’t have time to waste. This is why we created a simple, easy, and fast application process – so that you can receive your money quickly. We were the first lender in Australia to deliver a 60-second3 loan transfer, and we often process our loans within 60-minutes2. While we cannot provide you with instant loan approval, Jacaranda Finance is one of Australia’s fastest online lenders.

 

Why should I choose Jacaranda Finance?

Jacaranda Finance is an award-winning online lender with an incomparable reputation for providing everyday Aussies with financial services. We offer personal loans from $2,500 to $15,000 which are processed using our innovative loan processing engine. We are 100% online, meaning that you can apply anywhere in Australia, at any time. Whether you need your personal loan for car repairs, medical bills, or debt consolidation, Jacaranda Finance has a loan option to suit you.

  • Quick Loan Outcomes
  • Instant Transfers3
  • 100% Online
  • Simple & Easy Application
  • Bad Credit OK

Get your cash in 60-seconds once approved3

How Jacaranda’s quick personal loans work

iPhone
Our tech

We developed our own advanced loan processing system, utilising AI and machine learning, that streamlines the application process. This is what has allowed us to be one of the fastest lenders nationwide. Our engine extracts read-only copies of your bank statements, categorises the information, and gives the application a score. With this information, our loan underwriting team can process the application quickly and efficiently.

stopwatch
Our speed

Our loan processing engine was developed to provide Australians with the fastest access to finance possible. In addition to our processing engine, we have a dedicated team of underwriting experts that complete the application process. We also provide instant loan transfers once approved, so you could have your cash in 60-seconds3.

australia
Major banks

If you’re with a major bank in Australia, you will likely receive your money in 60-seconds3 once transferred. This is because all major banks in Australia are NPP-enabled.

vacation
We open when other lenders don’t

We are committed to providing you with financial assistance, anywhere, any time. Unlike most other lenders, we are even open and processing loans on the weekend. This means that if you need a loan on a Saturday, we could be able to approve your request (if you apply within our business hours).

How can I get instant cash loans online?

While we cannot provide instant loans, we pride ourselves on coming as close to instant loan delivery as we can. In line with responsible lending, we must conduct a sufficient financial assessment to ensure you can manage your loan. If you want to have your loan processed as fast as possible, consider the following:

alt-text
Use our online application

You can apply for a personal loan using our simple online application form. You can complete your loan application in three simple steps:

1. Apply online;
2. Get your outcome, and sign your contract;
3. If approved, receive your cash.

alt-text
Have all of your supporting documents ready when you apply

If you are looking for the fastest outcome possible, ensure that you have all of your supporting documents ready when you apply.

Make sure to have the following handy:
Basic personal info, 100 points of ID, the reason for your loan, and online banking details.

alt-text
Be ready to sign your contract

We cannot transfer your money until we receive a copy of your signed contract. Make sure you have a device available to sign your contract as soon as it comes through to your email.

alt-text
Be available to provide extra information

In the case we need more information from you, ensure that you’re available to provide this. If we need additional supporting information, we will contact you to request this.

A lender you can trust

Jacaranda Finance is the online lender giving Aussies a fair go. We believe in honesty and transparency. We don’t hide 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 you a few short minutes to complete. You can apply wherever you are and whenever you like. Jacaranda is built for Aussie borrowers on the go!

At Jacaranda Finance, we take a fresh approach to assessing bad credit loan applications. Our team understands that people and circumstances change. Why should you be judged on a mistake you made up to 7 years ago! If our team can see you have made a considerable effort to reconcile bad credit then you could be eligible for a bad credit rating loan. The best part is an application with Jacaranda is free of charge. That means we’ll assess your application and get back to you with a speedy outcome, without any initial fees.

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – 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.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – 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.

Brendan Lau88 – GOOGLE REVIEW
 

Am I eligible for a loan?

  • Be at least 18 years of age

  • Be an Australian citizen or permanent resident

  • Have a consistent income into your bank account for the last 90-days

  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

What information do I need to provide?

  • Basic personal information (i.e. full name, address, D.O.B)

  • Online banking details

There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you

 

Instant Loans FAQ