FlexiCredit
New
Win $5,000 with Jac this Xmas5
Take out a loan in November for your chance to win! Find out more
Express personal loans
Instant Loans
- Complete your application in minutes1
- Receive an outcome in no time2
- Fund transfers in 60 seconds to PayID enabled bank accounts3
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
I'd like to borrow
Over the term of
You can now check your eligibility,
with no impact on your Credit Score!
2,660+ Reviews
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Funds in 60s
to PAYID Enabled Banks
Not all banks or bank accounts are PayID enabled. To find out more information about PayID and how it works, please visit https://payid.com.au/ or contact your 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 $2,100 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.
- Quick Loan Outcomes
- 100% Online
- Simple & Easy Application
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Fast response and quick service. Life savers
Google Rating
2,660+ Reviews
Word of Mouth
880+ Reviews
Product Review
1,790+ Reviews
Trustpilot
880+ Reviews
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Instant Loan Details
| Loan Amount From | $2,100 - $25,000 |
|---|---|
| Loan Terms | 9 - 48 months |
| Type of Rate | Fixed |
| Repayment Type | Weekly, fortnightly or monthly |
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.
THE LOAN PROCESS
How does the application process work?
1. Submit your application
This is done 100% online and it’s fast and simple. If you’re fast with your fingers it could take as little as 5-12 minutes1 to complete, but it could take longer depending on a number of factors such as how fast you are at typing or if you have all the required information on hand.
Alternatively, if you like to take things slow, fill in the application at your own pace from anywhere in Australia on any device as long as you have the internet.
2. We’ll do a credit assessment
For most customers, we verify the information you provide us and get back to you with an outcome on your application on the same day2 during normal business hours. If you pass the credit assessment and we can assist you, we’ll send a loan offer for you to review.
We do not guarantee same-day outcomes for all customers: customers that apply outside of business hours or customers that are required to provide additional information may experience a longer timeframe.
3. Review your loan offer
Once you have 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 in their bank account 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.
View all our awards
Award-winning lender
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.
Why you'll love dealing with Jacaranda
At Jacaranda, we know that sometimes life can throw the unexpected at you. That's why we're on a mission to assist hard-working Australians with fast, reliable and responsible access to finance for life's expenses when you get caught short. We're 100% online, Australian-owned and operated, and we make applying for finance simple and fast.
Here are some other reasons our customers love us:
- We've been providing finance to hardworking Australians for nearly 10 years. We've already helped over 50,000 customers and we have thousands of positive reviews.
- Get started with an application and be done in as little as 5-12 minutes1 or once you've started an application come back and pick up where you left off in your own time. The application time varies per customer and it might take you longer.
- Our smart technology allows us to get back to you with a fast outcome. Most applicants get a same-day outcome once the application is completed2 during normal business hours.
- If you accept our loan offer by signing your digital contract the funds are usually in your bank account and ready to use within 60-seconds3 if you have a New Payments Platform (NPP) enabled bank account. If you don't, your funds are usually available overnight.
- Our friendly and respectful Australian-based customer service team are here to help you. Existing customers can log into the self-service customer portal, 24/7, 365 days per year.
- Anyone unsatisfied with their loan for any reason, and who still has the funds, can return the money within a 48-hour cooling-off period and cancel their loan. Simply contact our customer service team.
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
Customer Testimonials On Trusted Platforms
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Super easy and fast system, applying was seamless and money was instant! See Less
Super easy and fast system,... See More
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- S Johari - Google Review
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Fast, reliable service had money in acc same day See Less
Fast, reliable service had money... See More
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- K Perkin - Google Review
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Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick. See Less
Jacaranda is always helpful, wonderful... See More
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- n falconer - Google Review
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Brilliant service and quick action during application process the best there can be when it comes to quick loans. See Less
Brilliant service and quick action... See More
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- N Ross - Google Review
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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
Jacaranda finance is definitely one... See More
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- B Pocock - Google Review
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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
So jacaranda finance.. Were great... See More
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- N Rice - Google Review
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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
It is easy to apply... See More
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- D Miguel - Google Review
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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
Good people to work with.... See More
![google icon]()
- K Kupke - Google Review
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Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient. See Less
Excellent service once again from... See More
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- J Mccullough - Google Review
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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
Excellent 5 STAR customer service... See More
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- B Lau88 - Google Review
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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
Jacaranda finance were amazing they... See More
![google icon]()
- R Hay - Google Review
Sometimes we offer customers incentives encouraging an honest review of our services, be it negative or positive based on their unique experience. It is possible that some reviews were written by customers who received a reward regardless of their review being positive or negative. Last updated: 22/11/23
Am I eligible for a loan with Jacaranda?
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.
- 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
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, employer, dependant number)
- 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.
See all FAQs
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.
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 and the loan product, loan amount and loan term you qualify for.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.
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. We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted. Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file. We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand. There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
we're here to help
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. Our customer service team is 100% Australian-based in Brisbane: at Jacaranda, you speak to a real human being every time.
