Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

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.

Quick approval loans: Fast and easy applications – Apply now at Jacaranda Finance!

Quick approval loans, apply for fast loans with no hidden fees

When life throws you curveballs, pitch them to us and we’ll help you sort them out! Whether it’s your washing machine that’s finally given up, or you need quick cash for a flight home; look no further than Jacaranda Finance. We are here to help pair you with the best quick approval loan for you. Quick and approved loans go together like bread and butter, so we strive to provide, quick approval loans to all our customers.

We are 100% online, you can apply from the comfort of your lounge room by visiting our website via any device.

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What are Jacaranda Finance Quick approval loans?

Jacaranda Finance quick approval loans are one of the fastest personal loan services in Australia.

We are a 100% online loan service and pride ourselves on providing excellent customer service.

Our quick approval loans require no paperwork! All applications are done online, without the pesky hassle of leaving the comfort of your living room or office. Our online quick approval loans are handy for jet-setters and on-the-go worker bees.

We also, offer quick loan approval and cash straight to your bank, within 60 minutes of applying. Hence, no need to wait around for your moolah, get your cash and go back to what you do best.

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So, how do I apply for quick approval loans

Applying for quick approval loans couldn’t be easier! You simply need to be over 18 years of age, an Australian resident and regularly employed with an active phone number. It’s that easy!

Our service is 100% online, so you can apply in a flash and sit back, enjoying a cup of tea, whilst we look at your application. In addition, our quick approval loans range from anywhere between $300 – $4, 600.

Check out our slider at the top of the page to see if your eligible for a no paperwork loan!

Follow these easy-to-read steps to complete our quick approval loans application:

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How does Jacaranda Finance process applications for quick approval loans?

You may be blown away by our fast loans and high approval rate and wonder how we do it? Jacaranda Finance has a team of experts working behind the scenes on our quick approval loans. So, your quick approval loans are in safe hands, with our team of experts working hard to treat your request with the respect and care it deserves.

We try to assess most of the applications within 60 minutes during business hours. At Jacaranda, we understand that most of the time you just want a Yes or No answer.

The last thing you want is to be waiting around for days wondering if you’re going to get the loan only to then go through the whole process again with a new lender. So, we’ve made our process for quick approval loans smart and seamless to achieve the best results for you.

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Customer service is key to us!

When you apply for your quick approval loans, we want to make your Jacaranda experience friendly and welcoming. As soon as you apply for a quick approval loan, we are ready to help match you with the perfect loan for you.

Customer service and customer satisfaction are a big part of our business, we want you to be happy!

We have a team monitoring our website and phones to answer any questions you may have about your quick approval loans.

So, jump online NOW and let one of our friendly staff help you solve your cash flow problems.

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What if I have bad credit, can I still get one of your quick approval loans?

Currently struggling with bad credit? Don’t fret, we do provide quick approval loans for bad credit. Furthermore, we like to look at a full picture of your financial situation, including history, spending habits and bank statements. Because we understand that past financial mishaps may not be the best reflection of your current finances.

Of course, all eligible applicants are encouraged to apply for one of our quick approval loans. We do perform credit checks, however, and due to adhering to our rules and regulations surrounding responsible lending.

We are, however, much more considerate than traditional lenders and banks and look at the overall picture of your financial situation when considering your loan application.

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So, can I get a quick approval loan if I am on Centrelink payments?


If you are receiving a regular income into a personal bank account, you will be eligible for one of our quick approval loans. We accept almost all Centrelink payments, however apart from Newstart and Youth Allowance. Futhermore, these payments are not accepted because we consider them temporary sources of income. We apply sensible loan practices, so we require proof that you receive a regular income to repay your loan over a period of 12-24 months.

In addition, here is a handy list of Centrelink payments we accept:

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How do I repay my quick approval loan?

Our repayment system is smart and simple. No need to wait in lines at the bank or go out of your way to make repayments.

We have developed a system for quick and easy repayments. Managing your quick approval loan is made easy with Jacaranda Finance. We use the smartest banking technology to automatically set up your repayments.

Once your loan is approved, we set you up with an affordable direct debit that will come straight from your account.

That means no messy bills to pay and no trips to the post office, hence, it is all automatically debited for your convenience.

Once your loan is complete, the automatic repayments will stop.

In our loan process, sometimes we make mistakes, or something is missed. So, we want to hear from you if you’re having trouble with your application, then we can figure out a solution!

Finally, if you are dissatisfied with your quick approval loan, then you can withdraw your request at no cost whatsoever.

So, what are you waiting for? Start your partnership with Jacaranda Finance and set your course for financial happiness!

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How do I know if this is the right product for me?

So, who is this product for? Those who are looking for a fast processing short term loan
To be eligible to apply for a no paperwork loan?
  • Must be over 18 Years of age
  • A permanent Australian resident
  • Have a regular source of income for 90 days prior to applying
What repayment terms do you offer? From 1-12 months. Repayment terms will vary depending on each applicant’s bank.
Loan types available Fixed
Lender Jacaranda finance
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Example of how our small pesonal loans work

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Example of how our secured personal loans work

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How to speedyour quick approval loans application

Navigating the course of quick approval loans seems like a challenge. While there are plenty of potholes to fall into we can guide your loan process. So, let us outline some ideas to help prepare for our loan application:

  1. Have all your information handy:

    To speed up your application, have all the necessary information handy. As a result, we use the latest in smart banking technology to reduce paper waste, however, for a quick application here is some information to have on your side:

    • Active phone number: double check your mobile number is correct
    • Centrelink number (if applicable): We don’t usually do this, however, if you are having trouble with your Centrelink number, you can submit your statement manually.
    • Income amount: Our quick approval loans application doesn’t require you to add a dollar sign or any words like ‘per week.’
  2. Contact us during business hours:

    You’re welcome to submit your quick approval loans application at any time via our website. However, to receive a prompt reply, apply during our business hours. Our team is at your service from 8am-6pm Monday – Thursday, 8am-4pm Friday and Saturday 8am-12pm. However, if your application is submitted outside these hours, you will be contacted within 2 business hours of the next business day.

  3. We are here to help:

    We know that sometimes technology can play up, so we are here to help with your quick approval loans application. If you have any enquiries or feedback, contact us via our new bot Dani! She is dying to meet you.

  4. Use our quick approval loans calculator:

    Our loan repayment calculator is located at the top of every Jacaranda website page. So, simply enter your loan amount and the length you desire and click ‘Apply Now’ to jumpstart your application.

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What happens once your quick approval loans is paid off?

Once your quick approval loan is paid off, we will halt all direct debit transitions.

As a result, our loan service is easy, with no stress or hassle.

In addition to an easy loan service, we don’t charge early exit fees like other traditional lenders. So, if you pay your loan off early, that’s no problem for us!

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So I’ve paid off my loan, when can I get another one?

When we assess our quick approval loans, we apply responsible lending practices and accept loans that people can afford. As a result, we can lend you more money, even if you have an outstanding loan balance. So, get in contact with us today, about your options when considering another quick approval loan with Jacaranda.

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You’re not alone in Financial Hardship

Life can be a bumpy ride sometimes, and you can find yourself in Financial Hardship. So, let us help! Financial hardship is when your income is affected by unforeseeable circumstances and it prevents you from meeting financial commitments such as bills, expenses and loan repayments.

Need assistance with Financial Hardship

In addition to our loan service, we also provide Financial Hardship assistance, we are here to assist you with your application. Here are some examples of supporting documents you’ll need for the application, depending on the circumstances:

Please feel free to contact us on 1300 189 823, if you any questions about which documents you are required to supply.

At Jacaranda, we want to create a stress-free and easy loan experience. We will do our best to give your application a fair go and accurately assess you for quick approval loans. Furthermore, with a fast and easy loan application process, we can help take you to where you want to be.

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

Quick approval loans, apply for fast loans with no hidden fees 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