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, 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, 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?Â
You must meet the following basic eligibility criteria before submitting an application:
Take a look at our most frequently asked questions about instant loans for more information.
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.Â
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.
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.
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$3,000 - $25,000
