Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


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$300 $4600
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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.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Are you in need of some quick cash? Apply for Jacaranda online cash loans today!

Online cash loans from $300 to $4,600! Apply now!

Sometimes not everything goes to plan and we find ourselves upstream without a paddle. Unfortunately, it’s hard to predict these moments which is why we’re sometimes caught unprepared. Jacaranda Finance wants to give you the paddle you need (or at least the money to go buy one) so you can get yourself to financial safety! Our online cash loans might be exactly what you need when the unexpected happens. Apply now and avoid the raging rapids that is financial hardship!

Our online cash loans are fast, simple and 100% online. No tedious paperwork or long wait times. Just fill out our simple application form and we’ll get back to you within the hour! Our online cash loans application will be the easiest thing you do all day! You won’t have to have face-to-face meetings with bank managers, in fact, you won’t even have to leave your couch! Our online loans application can be completed where, whenever!

how it works question

What are online cash loans?

Online cash loans are small personal loans offered to help you when you get stuck in times of little cash flow and big bills. Online loans, as the term suggests, are applied for completely online and include zero paperwork! There are no forms to print off and fill out, there’s no need to rifle through documents to send in. You just need to provide a few details and we’ll do the rest.

Our cash loans online range from $300 to $4,600 and you can choose between a repayment period of 12 to 24 months. These lengthy repayment periods give you plenty of breathing room when it comes to paying off your online cash loans. Zero stress, zero hassle.

Cash loans online are there to give you a helping hand when things don’t go to plan. Our online loans are the olive branch you need to grab onto when you’re drowning in bills and stress. And the best part? You online loan could be in your account that same day! You won’t even have enough time to reach those raging rapids because we’ll have a paddle in your hand in no time!

To find out more about online cash loans, visit the Moneysmart website!

how it works question

How do I apply for online cash loans?


First, you’ll need to make sure you’re eligible for one of our online cash loans. To qualify, you just need to:

Once you know whether you qualify or not, you just jump back to our Home Page from your smartphone, tablet or computer. From there, you just enter the amount you’d like to borrow in our loans calculator and select the length of your repayment period and click ‘Apply Now’. We’ll ask you to fill out some contact and personal details, the reason for the loan, as well as your internet banking credentials so we can check your income and spending habits, and your employment details or your MyGov account information if you receive Centrelink. And that’s it! You don’t need to sift through pages of bank statements or other documents because we’ll do it all for you! Then you just click submit, sit back and relax and we’ll get back to you within the hour!

Yep, it’s that quick!

how it works question

How do I know if online cash loans are what I’m looking for?

As responsible lenders, we always want to make sure that our clients have done their research and asked themselves the necessary questions before apply for their cash loans online. Some things to consider before applying for online loans include:

  • Do I meet the requirements to qualify for online cash loans?
  • What is the online loan for?
  • How much do online cash loans cost?
  • How long do I have to pay off the loan
  • How do I plan to pay back my online cash loans?
  • Once you’ve established the answers these questions and you’re happy with them, go ahead and apply for your Jacaranda cash loans online!

    how it works question

    What’s so good about Jacaranda online cash loans?

    Our cash loans online carry many benefits for our clients. If you’re not sure exactly how Jacaranda online loans can help you, keep reading!

    They’re simple – Our application will be the easiest thing you do all day! The whole process will only take you a few minutes to complete and that’s the hard part over! Once you’ve submitted your application you can relax and get back to your day while we work hard to put together the most suitable offer for you! No paperwork, no long wait times, no hassle!

    They’re fast – We know how frustrating playing the waiting game can be. Therefore, we strive to provide you with one of the fast online cash loans services in Australia. After take the few minutes to complete your application, you’ll receive a conditional approval straight away. This just means that we’re going to let you know immediately if we’re able to make you an offer or not. Like we said, the last thing we want to is waste your time! After that, you’ll hear from us with official approval within 60 minutes of submitting your application. From there we’ll send you an electronic contract to sign and once you’ve returned it back to us, we’ll release the funds straight away. The amount of time it takes for the find to reflect in your bank account will depend on the bank you are with – generally, you’ll receive the money within 24 hours (or the next business day).

    No paperwork – As we said before, you won’t need to print off any documents or mail anything through when applying for you online cash loans. Everything is done online, even your contract. It’s an electronic contract which means that once you’ve read through it properly you just sign it electronically and email it back to us. It’s as simple as that. As our services are 100% online, it will take you half the time and half the effort to complete the whole online loans process, compared to banks and more traditional lenders.

    We’re completely transparent – With us, what you see is what you get. This means that there are no hidden fees whatsoever when it comes to the costs and charges associated with our online loans. We can guarantee that you will never be faced with a fee that hasn’t already been disclosed in your loan contract. Once we’ve earned your trust, we will never break it!

    You can apply wherever, whenever – As we are completely online, you can submit an application from wherever you are in Australia, at any time. If you’ve reached the 11th hour and you’ve realised your electricity bill is due tomorrow and you don’t have the cash the cover, jump on to our website and submit an application! We’ll be able to approve it as soon as we’re back in the office and your electricity bill will be paid before the day is done.

    They will save you in times of emergency – If you’re in a real financial crisis and you’re cutting it fine with your expenses, our fast online cash loans will be the saving grace you need to get yourself out of a bind. With fast approval times and cash straight to your bank, you won’t even have time to reach full panic before your bills are paid and your stress has gone away. Whether your car has broken down, your broke your phone, you’ve got a dental emergency or your dog is sick, we’ll be there, paddle in hand.

    The repayment process is as simple as they come – Before you sign your electronic contract, one of our lovely customer service attendants will ask you to select a day – either weekly, fortnightly or monthly – in which you’d like the payments to come out. Normally it’s a good idea to set this day in line with your payday so you always have money in your account. Then we’ll organise for the money you’ll be direct debited out of your account on that for the life of your loan. You won’t need to remember to make a payment or even have to think about them at all. The money will just come out automatically. Then, once you loan has been paid off, the payments will stop automatically so you don’t need to worry about organising that yourself. We’ll do it all for you.

    It won’t cost you to pay off your loan early – If you decide you want to throw some extra money on your payments to pay out your loan early, we won’t charge you to do us. Many lenders charge early exit fees so they don’t miss out on that interest, not us! It won’t cost you a thing to pay your online loans off early. In fact, you’ll end up saving money on interest and monthly fees! We’ll always encourage our clients to pay out their online cash loans as quickly as possible, without hindering their financial situation, of course.

    how it works question

    What do online cash loans cost?

    At Jacaranda, we offer two types of loans. The first type are small personal loans ($300 to $2,000) and the second type are medium secured personal loans ($2,001 to $4,600).

    The costs involved with small personal loans include:

    The costs involved with medium secured personal loans include:

    how it works question

    What happens if I am unable to make a payment on my online loans?

    If you’re having a tough week and your bank account is struggling because you must let us know as soon as possible. If you ignore it and we go to take the payment and it fails, you will be charged a dishonour fee which definitely won’t help your already tough situation.Just give us a call as soon as you start to struggle and we’ll be able to come up with a solution that benefits all parties involved

    how it works question

    What are medium secured personal loans?

    Medium secured personal loans are loans that are between $2,001 and $4,600. They’re called secured loans which means you must attach an asset to the loan for security. Generally, you’ll attach your car, motorbike or caravan. This will be clarified in the initial application process. We’ll just ask you to send through some photos of the vehicle that clearly show the number plate, along with the vehicle’s registration number and your certificate of ownership – just so we know it is definitely yours.

    Then that’s it. The rest of the application process, wait time for approval and wait time for cash are all exactly the same. Fast, simple, convenient.

    how it works question

    I’m ready to apply for my online cash loans


    Just jump back to our home page and get started with our simple application form! Our friendly customer service attendants are waiting to approve your application as we speak!

    Apply for your cash loans online now and you’ll be paddling away from your troubles in no time!

    Example of how our small personal loans work

    Loan amount

    $300 minimum
    $2,000 maximum


    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(%).

    In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


    weeks minumum
    weeks maximum


    Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal 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


    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.


    months minumum
    months maximum


    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.

    What our clients say

    Online cash loans from $300 to $4,600! Apply now! Overall rating: 4.7 out of 5 based on 148 reviews.

    Great easy application

    5 5 1
    Very fast easy to apply thank you so much