Discover Jacaranda Finance



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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.

Do you need quick cash loans ASAP? You’ve come to the right place!

Quick Cash Loans

Money can give us pleasure, but it can also give us pain, especially when we don’t have any. It’s often during these times when cash is sparse that we need it the most and we need it fast! It works us into a panic when we need cash urgently but aren’t sure where to get it from. Well, we understand this feeling and that’s why we are here to help. At Jacaranda Finance, we do quick cash loans to relieve these urgent money stresses. Keen to find out more, we’ve explained everything you need to know below.

What are quick cash loans?

Our quick cash loans are types of personal loans that are 100% online. You choose the amount you want to borrow, and the period over which you would like to repay it. At Jacaranda, we have two types of quick cash loans. We have small personal loans and medium secured personal loans. With our smaller loans you can borrow up to $2000, and with our larger loans you can borrow up to $4600.

What types of quick cash loans does Jacaranda offer?

As mentioned above we do two different types of loans. We outline the difference between the loans below:

Small personal loans

Our small personal loans are quick cash loans between $300 to $2,000 which you can repay over a 12-month period. These loans are types of unsecured personal loans, which means they don’t require a security deposit to borrow the loans.

The costs of our smaller fast cash loans online include a 20% establishment fee plus monthly fees of 4%. There is also a penalty fee for any direct debit dishonours. Though if you make your payments on time you won’t have to worry about this fee. Here is an example of how much our smaller quick cash loans cost:

Medium secured personal loans

With our slightly larger loans, you can borrow between $2100 and $4600 that you repay over 13 – 24 months. These types of secured loans require a security deposit to secure the loan. It serves as a security for us if you weren’t able to repay the loan.

The costs of these larger loans include a $400 establishment fee plus an annual fee of $48 per annum. If you want to compare our loans with others our comparison rate is 66.00347% p.a. which considers both establishment fees plus the annual fee. Let’s look at the following example, to give an idea of how our medium quick loans online work:

To find out more about fees and charges for quick loans online visit the moneysmart website.

How do quick cash loans work?

The process of our quick cash loans works in a few simple steps:

Apply for the loan

To apply you just have head to our homepage and fill out a few simple questions on our application form. It only takes a few minutes of your time to complete the form for our quick cash loans online.

Wait to receive an outcome

Once you’ve applied for our quick cash loans, just sit back, relax and make yourself a cup of tea! We’ll try and get back to you with the outcome of your application as soon as possible. However, we aim to let you know within an hour of applying.

Accept the loan contract

After we have approved your application, we’ll send you a loan contract. You can either accept or reject the loan contract. You don’t have to go ahead with the loan if you change your mind. However, if you are happy to go ahead with the loan and have read through the terms and conditions of the loan go ahead and accept!

Receive your funds

Upon accepting your contract, we’ll transfer your funds to you straight away. We mean it when we say quick cash loans!

Repay your quick cash loans

After you’ve received your funds the next part of the process is to repay your quick cash loans. The way we structure our repayment system is that we get you to set up a direct debit so that the money comes out of your account automatically. Before you know it, you will have completely repaid your loan.

Who can get quick cash loans?

Our quick cash loans are available to those who meet our lending criteria. This is general criteria that we must comply with as our duty as responsible lenders. The following is a list of our eligibility requirements. To get fast cash loans online you must be:

What information is needed to apply for quick cash loans online?

When applying for quick cash loans, we will ask you to answer some questions, as well as provide as some supporting documents with your application. Here is a list of some the information we’ll need to assess your application:

Do you do quick cash loans for Centrelink customers?

Yes! We do indeed do quick cash loans for Centrelink customers and all Australians. However, we will always do an assessment of your financial situation to ensure that you’ll be able to afford to repay the loan. If you do receive income from Centrelink, then we’ll need you to provide a copy of your Detailed Income and Asset statement.

Do you do quick cash loans no credit check?

We don’t always do credit checks. Though when we do credit checks, this is not the only thing we look at when applying for quick cash loans. We know that your credit rating is not always an accurate representation of your actual relationship to finance. Therefore, we like to look at your recent financial history to see if you will be able to make the repayments.

What’s great about Jacaranda’s quick cash loans?

There a multitude of benefits you can enjoy from Jacaranda’s fast cash loans. We already love them and we just want you to know how amazing Jacaranda’s cash loans are too. Check out the main benefits of Jacaranda’s cash loans:

1 hour cash loans very quick funds!

Yes, that’s right! You can apply and we transfer our funds to you within 1 hour. Everything about our loans is quick. From the time it takes to apply, to the time it takes to receive the money into your account.

There is no paperwork

The other great thing about loans is that since everything is done online there is paperwork required. All the information we require from you is done electronically. This also contributes to the reason why our loans are so fast.

You can pay your loan off early if you want to

If you are ready to pay off your loan, and want to pay it off before the end of your loan term you can! Plus, we won’t charge you any early exit fees.

Great customer service

If you need any help throughout the duration of your loan term, you can feel free to contact one of our loan operators. They are very friendly and happy to help you if you have any questions throughout the duration of your loan term.

Questions to ask before getting quick cash loans

Before you borrow any quick cash loans online, it’s important that you ask yourself a few questions. Here are some of the main questions to ask yourself before you go ahead with borrowing the loan:

How will this affect my credit rating?

Each time you make a credit application it does make a mark on your credit rating. Therefore, it’s important that make sure you meet the eligibility requirements before you apply. It’s also important to consider if you will be able to make your payments on time since missed payments will damage your credit rating.

Can I afford to make the repayments?

Even though we will never lend money to a person we don’t believe will be able to afford the repayments. It’s important to ensure that you will be able to fit your repayments comfortably into your budget and not leave yourself short. The reason we say this is because if you miss making any repayments you will be charged a penalty fee of $35.

Is this the right time to borrow?

Similarly, consider whether you can afford the repayments, think about whether this is the right time to be borrowing money. If you have a lot of other pressing financial commitments, it might not be the wisest time to borrow money.

What is the purpose of my loan?

Finally, seriously consider what the purpose of your loan is. If it is something urgent that can’t be put off until a later date, getting a loan is probably the best idea. However, if the purpose of borrowing is not urgent, consider waiting until a more convenient time to borrow quick cash loans online.

Loan terminology

Before diving into anything new, it’s always a good idea to familiarise yourself with the related terminology. Here is a list of some of the most important terms you’ll come across when borrowing quick loans:

Annual percentage rate (APR)

This is the rate of interest charged as the cost of borrowing a loan for the year.


This is the name given to the person who borrows money from the lender and the individual responsible for repaying the loan.

Comparison rate

This is the rate given to the overall cost of the loan and combines all the fees and charges in the relation to the loan. This allows borrowers to easily compare the costs of different loans.

Credit check

A credit check refers to the background that lenders like to do on your credit report to assess whether to approve your loan.

Establishment fee

An establishment fee is the fee charged when you borrow a personal loan. Though this is factored into your total repayments which are then repaid over the life of the loan.


Interest refers to the cost of borrowing the loan.


A lender is a party responsible for offering the loan to the borrower in the first place.

Loan contract

A loan contract refers to the agreement made between the borrower and the lender.


A security is an asset required to ‘secure’ a secured loan as protection for the lender. An example of an asset could be a car, motorbike, boat or caravan.

Secured loan

Means the loan is secured by an asset. This protects the lender in the event that you were unable to repay the loan, they would have the right to repossess the asset.

Unsecured loan

In contrast to a secured personal, an unsecured personal loan doesn’t require you to tie a security to the loan.

Ultimately, the quick cash loans from Jacaranda can offer you a variety of benefits while solving your immediate cash needs. They are fast to apply for, it’s so quick to receive the funds into your account! Nevertheless, it’s always important to ensure you are prepared before you enter the loan contract so you don’t come across any surprises, and are fully prepared to repay your loan. Now you have all the info, you may know that quick cash loans are exactly what you need. So, why not go ahead and apply now!

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 Cash Loans 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