Instant Loans

While we cannot provide an instant outcome on a loan, we pride ourselves on coming as close to instant loan delivery as we can.

Complete your application in minutes1
Receive an outcome in no time2
Fund transfers in 60 seconds to
PayID enabled bank accounts3
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  • ProductReview 2024 Award Winner, Jacaranda Finance: Top Performing Personal Loan Lender logo
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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'

Funds in 60s

to PAYID Enabled Banks
Commonwealth Bank of Australia
Westpac Bank
Suncorp Bank
ANZ Bank
National Australia Bank

Can you get an instant loan online?

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.

Why get an 'instant' loan online?

While we cannot provide you with instant loan approval, Jacaranda Finance is one of Australia's fastest online lenders. At Jacaranda, 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.

Why should I choose Jacaranda Finance?

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.

Loan Details

Loan Amount
$3,000 to $25,000
Loan Term
25-36 months
Repayment Cycle
Weekly, Fortnightly, Monthly
Loan Type
Secured & Unsecured
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.

Award-winning lender

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Personal Loans Online Up To $25,000

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.

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A lender you can trust

At Jacaranda, 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!

Over 5,000 reviews

Trusted By 1,000s

Google logo 4.9/5
Word of Mouth logo 4.8/5
ProductReview logo 4.7/5
TrustPilot logo 4.9/5
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    Shaan Johari - Google Review
    Shaan Johari Rated Jacaranda Finance 5 out of 5 stars
    Super easy and fast system, applying was seamless and money was instant!
  • Google Logo
    Scott Milkauskas - Google Review
    Scott Milkauskas Rated Jacaranda Finance 5 out of 5 stars
    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.
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    naomie falconer - Google Review
    naomie falconer Rated Jacaranda Finance 5 out of 5 stars
    Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.
  • Google Logo
    Nathan Ross - Google Review
    Nathan Ross Rated Jacaranda Finance 5 out of 5 stars
    Brilliant service and quick action during application process the best there can be when it comes to quick loans.
  • Google Logo
    Breeanne Pocock - Google Review
    Breeanne Pocock Rated Jacaranda Finance 4 out of 5 stars
    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 !
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    Dianita Miguel - Google Review
    Dianita Miguel Rated Jacaranda Finance 5 out of 5 stars
    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.
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    Kevin Kupke - Google Review
    Kevin Kupke Rated Jacaranda Finance 3 out of 5 stars
    Good people to work with. Application was easy and straight forward. Could use different payment options, but still good options. Would use again.
  • Google Logo
    Brendan Lau88 - Google Review
    Brendan Lau88 Rated Jacaranda Finance 5 out of 5 stars
    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.
  • Google Logo
    Kayleb Perkin - Google Review
    Kayleb Perkin Rated Jacaranda Finance 4 out of 5 stars
    Fast, reliable service had money in acc same day
  • Google Logo
    Rebecca Hay - Google Review
    Rebecca Hay Rated Jacaranda Finance 3 out of 5 stars
    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.
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    Rob Smith - Google Review
    Rob Smith Rated Jacaranda Finance 4 out of 5 stars
    Had a good experience with jacaranda finance the form was easy to follow and the team helped when I had questions

Loan Eligibility Criteria

Am I eligible for a Loan with Jacaranda? 

You must meet the following basic eligibility criteria before submitting an application:

  • 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.
You can check if you qualify initially if you aren’t sure whether you're eligible. This won’t impact your credit score.
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*: we will assess the last 12 months of your bank statements to help determine if you can afford to repay your loan.

*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.
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We're here to help

Instant personal loan FAQs

Take a look at our most frequently asked questions about instant loans for more information.

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.

Visit our rates and fees page to get an idea of the costs associated with our loan products.

The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria, loan amount, and loan term for which you qualify.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. 

Once you submit your application, our loan processing engine will extract read-only copies of your bank statements. In addition, every application we receive goes through a thorough assessment of suitability to ensure that you can comfortably afford your Jacaranda loan if approved.

This is all done in a matter of minutes! In some cases, we may need to verify additional information with you or request supporting documents. If that is the case, we'll be in contact to let you know exactly what we need.

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.

No. As a responsible lending body, Jacaranda Finance is required to complete a credit check on all applications. Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.

If you don't meet our initial criteria, your credit score won't be affected.

Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.

We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.

Other lenders will be able to see that you applied for a loan with Jacaranda.

This might impact your credit score.

Review our Privacy Policy for more information.

Need a Hand?

Our customer service team are here to help.

If you have any questions, whether you're a new customer or an existing one - our friendly customer service team will be happy to help you.

You can easily get in touch online or via the Better Credit app. Jacaranda's customer service team is available to chat six days a week, and services are available online 24/7.