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Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Need a loan today? Jacaranda Finance is the best choice

Need a $4,600 loan today? Apply Now!

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Need a loan today? Money is just one of those things.

No matter how responsible you are – or how much you set aside each week– there just never seems to be enough when those unexpected bills and emergency costs just keep coming in.

That’s where Jacaranda Finance comes in.

Jacaranda Finance is an established short term money lender – operating 100% online.

This means you can apply for unsecured loans of up to $4,600. 24 hours a day, from wherever you are.

Further, you can have your loan approved within 60 minutes during business hours, and once approved, you can have the cash in your account within 24 hours.

What makes this even better is that with up to 12-months to repay your loan – you can secure the breathing space you need to take control of your finances.

What makes Jacaranda Finance different?

Straight up – we just aren’t like other mainstream lenders. We don’t want you to track down centuries of past slips, forms and facts, we don’t care if you haven’t had a full time job since you were 3 years old, and won’t judge if you haven’t got an established history of phone, internet and rental repayments.

Instead, what we offer you our best cash loan experience – every time. This means our loans have no hidden fees, no early payout costs, no paperwork and simple repayments on unsecured cash loans.

Furthermore, as a responsible lender, we will not give you a loan larger than you need or that does not address your circumstances, and there is no obligation attached with any of our loan offers.

Our team are committed working out what is right for you – it’s as simple as that.

How do we approve your loan within an hour?

Simple! All we need is for you to complete the 2-3 minute online application and click send.

After that, we will use your last 90 days in bank statements and a Centrelink income statement if you receive one to calculate your eligibility.

You can help speed up the approvals process by ensuring:

  1. All of your personal details are complete and accurate
  2. You have attached all the requested documentation; and
  3. That you keep your mobile phone and email inbox handy so we can reach you

What if I am earning a Centrelink Income?

Again, we are nothing like other mainstream lenders, so don’t stress. To us at Jacaranda Finance, money is money – no matter where it comes from.

So, if you are receiving a routine and reliable Centrelink payment then we can count it as income in your loan assessment.

* Please note, we cannot assess eligibility using unreliable Centrelink payments like NewStart, Youth Allowance or OzStudy as they can be discontinued at any time.

Can I pay my loan out early?

That’s easy! Yes.

Whether you are 3 days or 3 months into repaying your loan – if you contact our team and pay out your cash advance loan in full – that’s it. You’re done.

Importantly, there are no early termination fees on any Jacaranda Finance loans.

Like we said – nothing like our mainstream competition. Told you J

How can I get in touch?

Now were talking! If you’re ready to go – simply click apply now and complete the 2-3 minute online application.

If you have a question, call any of the team on 1300 471 328, from 8am – 6pm Monday to Friday.

Can’t get to us during business hours? No problems. Just send us an email or submit an online enquiry form and one of our team will get back to you the next time we’re in.

What do past customers think of Jacaranda?

Well, all we can say is that we work with thousands of Australian’s every year to secure them the loan that is perfect for them, and that we have existing customers returning every month for follow up loans.

If that’s not enough – why don’t you head over to Word of Mouth and read the awesome feedback from hundreds of our existing customers.

I think you’ll agree that this track record speaks for itself.

Ready to get fast cash now!

We know that taking on a loan can be a big decision – but you can be confident with Jacaranda Finance. We are a stress and fuss free lender – that is committed to you. First time and every time.

So if you need a loan, today, tomorrow or 2 months from now. Come to Jacaranda Finance and see what we can do for you.

Example of how our small personal loans work.

  • Loan Amounts: Minimum $400 to Maximum $2,000.
  • Terms: Minimum 16 weeks to Maximum 50 weeks.
  • Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4%. Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).
  • Example: Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle Amount)+ $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work.

  • Loan Amounts: Minimum $2001 to Maximum $4,600.
  • Terms: Minimum 13 months to Maximum 24 months.
  • Costs: Annual Percentage Rate (APR) is 48%. Comparison rate is 66.0347% p.a. This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.
  • Example: Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount)+ $400 (Establishment Fee) + $1378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly installments of $61.27.
  • For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Need a $4,600 loan today? Apply Now! Overall rating: 4.7 out of 5 based on 147 reviews.

Miss

★★★★☆
4 5 1
Miss k Clarke,

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Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

Terms

16
weeks minumum
50
weeks maximum

Example:

Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.