Quick Loans
Done Today
Need access to funds but don't have time to waste? At Jacaranda, we pride ourselves on our speed and our Quick Loans could be just the solution you're looking for.
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Need access to funds but don't have time to waste? At Jacaranda, we pride ourselves on our speed and our Quick Loans could be just the solution you're looking for.
What is a Quick Loan?
A Quick Loan is simply a loan you can apply for and get an outcome on the same day. That means hours, not days.
From unexpected costs such as car breakdowns and medical bills to upcoming events like weddings, holidays or even home renovations, those big expenses can be difficult to manage. When life gets in the way, the last thing you want is to be left wondering if the outcome of a loan application is positive or negative. That's where we come in.
You can also check if you qualify, without it affecting your credit score!
Benefits of our Quick Loans
Our Quick Application Process
Our same day loan application process has been created to be as quick and simple as possible. After you complete your application we get in touch with you for any additional information or documentation, which you can upload directly online.
Estimate Quick Loan Repayments
Want to get a better understanding of what your loan repayments could be before you apply? Use our loan repayment calculator and find out what your repayments could be.
Ready to Apply? You can get started now.
Including Interest & Fees
Ready to Apply? You can get started now.
Quick Loan Cost breakdown
Jacaranda’s quick loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our fees and charges, or visit our fees page for more information on our loans.
Loan Eligibility Criteria
- Be at least 19 years of age
- Be employed on a permanent or casual basis, with consistent income for 90 days
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, & online banking details in your name.
- Be in control of your current finances and handling existing financial commitments comfortably.
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
- Employment status & details
- Your bank statements*
*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.
It’s Quicker With the FastMoney App
- Easily apply for and manage your loan in-app
- Make extra repayments, check your balance & more
- Easy access to our customer service team
Trusted by 1,000s
Quick Loan FAQs
Want to learn more about our quick loans and how they work? Find out all the answers to our most common questions here.
- 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.
We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:
- 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
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.
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
Review our Privacy Policy for more information.
We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:
- Monday - Thursday: 8.00 am - 5.00 pm
- Friday: 8.00 am - 4.00 pm
- Saturday: 8.00 am - 12.00 pm
- Sunday: Office Closed
Yes, you can cancel your loan application at any point. Simply contact our application concierge team, and they will be able to assist you. Alternatively, reply to any SMS or email we have sent you to withdraw your application.
If you've already received your funds, we offer a 48-hour cooling-off period for all loan products. Anyone unsatisfied with their loan for any reason can return the total principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan.4