Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
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(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.

At Jacaranda Finance, we offer same day approval loans!

Our same day loan approval is lighting quick! – Apply Now up to $4,600!

We’re all starting to demand speed in all aspects of our lives. We need things done quickly to keep up with our modern, fast-paced world. At Jacaranda Finance, we understand how time sensitive your life is, so we have created same day approval loans! With same dame day loan approval, you can keep up with the hectic pace that your lifestyle demands

Jacaranda Finance is a 100% online loan service that is ready to make your life simpler. In fact, we’re aiming to make getting a personal loan completely hassle-free. We can’t fix every problem you have. Your children will still wreak havoc and your nagging boss isn’t going away, however, we can sort you out with a same day approval loan.

Our vision is simple. We have created a 4-minute personal loan application, with results delivered to your mobile within 60 minutes of submission. Let’s delve further into the in’s and out’s of Jacaranda Finance’s same day loan approval.

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Firstly, why choose Jacaranda Finance?

So, we think we’re pretty great, but let’s outline why you should choose Jacaranda Finance as your one-stop shop for same day loans.

Are we quick?

Lighting quick. When we mean same day, it’s not a marketing ploy, we mean same day loan approval. Our personal loan applications take on average 4 minutes to complete, then simply sit back and catch on your favourite tv show, whilst we assess your application.

Within 60-minutes you will receive the outcome of your loan application – no waiting around for days! Once we approve your loan, the funds will be transferred instantly into your nominated bank account.

Do you offer breathable loan terms?

Our same day loan approval terms are flexible and can be adjusted to suit other financial commitments. Small personal loans term runs from 16 weeks to 50 weeks. And medium secured personal loans term runs from 13 months to 24 months.

Do we have simple repayments?

With the help of the latest in safe banking technology, Jacaranda Finance automatically withdraws your repayments from your nominated bank account. Using direct debit, your same day approval loan repayments reduce paperwork and stress!

Are we a responsible lender?

We adhere to responsible lending practices. We encourage everyone to apply for a same day approval loan, however, we do perform credit checks and assessments to make sure that you can afford our loans. The last thing we’d want is to bring you unnecessary financial pressure.

So, now that you know the why to choose us, it’s time to look at how to apply for a same day approval loan and how it all works.

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What does same day loan approval mean?

Jacaranda Finance same day loan approval means you get access to one of the fastest personal loan services in Australia. In addition, we pride ourselves on delivering a quick and convenient service.

Furthermore, we are 100% online and pride ourselves on providing customer service excellence.

With all of our personal loans comes the promise of same day approval. Of course, this comes with the condition that you apply during regular business hours.

We have created a fast and simple application process. As a result, can give you the outcome of your loan application within 60-minutes!

You can complete your same day loan approval application without having to leave the comfort of your living room or office.

Once your cash loan is approved, your money is delivered straight into your bank account within 60 minutes! Now, that’s a quick approval loan!

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So, what can same day loan approval do for you?

Our same day approval loan lets you get back to what you do best. When you need a little moolah pick-me-up, hit the ground running with a quick loan approval. Therefore, the days of waiting around for your loan to be approved are over! Here is a handy list of things you can get whilst you wait for your same day loan approval:

Whatever you like to do with your spare time, our quick loan service certainly provides space for your free time.

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What do I need for same day loan approval?

When it comes to our same day approval loans, we have a simple checklist to look before you apply for a personal loan. In case you missed it, here is a handy reminder:


Be over 18 years of age

Receive a regular income into a personal bank account

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

That’s it! So, after you’ve checked these off, you’re ready to apply for same day loan approval.

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How do I apply for same day approval loan?

Applying for a same day approval short term loan is super easy!

However, make sure to check out our eligibility requirements, before applying. All you need to do is be 18 years of age, an Australian resident and regularly employed! Here are some simple steps to follow when applying for same day loan approval:

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Same day loan approval repayments: How Jacaranda Finance stands out

Jacaranda Finance stands out from traditional lenders for a myriad of reasons. One of them being our hassle-free same day loan approval repayments.

Furthermore, your repayments can be automatically debited out of your account using the latest in safe banking technologies. We simply use direct debit to make your repayments paperwork and stress free.

At Jacaranda Finance you may notice your weekly or fortnightly repayments will be smaller than more traditional lenders. That’s because we provide our customers with a loan term that gives them the breathing room they need to get through stressful times.

In addition, you won’t incur an early exit fee with our same day approval loans. We won’t charge you for paying off your personal loan early!

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Can I still get one of your same day approval loans if I have bad credit?

We sure do!

We assess applications on a case by case basis. So, yes if you have bad credit submit your application form and we will give you a yes or no answer within 60 minutes.

We do perform credit checks, however, as a part of our commitment to responsible lending.

We are, however, much more lenient than traditional lenders and banks and look at the overall picture of your financial situation when considering your loan application. So don’t fret. Apply today and let us take a look!

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So, can I get a same day approval loan if I recieve Centrelink payments?

Yes, no worries!

We consider Centrelink payments a handy source of income. When applying for same day loan approval, we take a look at your overall financial situation, including your past and present.

However, our requirements checklist still applies. If you are receiving a regular income into a personal bank account, you will be eligible for one of our no paperwork loans.

We accept almost all Centrelink payments, aside from Newstart and Youth Allowance. Furthermore, we do not accept these payments because we consider them to be a temporary source of income.

Here is a helpful list of Centrelink payments we accept:

So, whether you have poor credit or receive Centrelink payments, your best bet is to apply and let us take a look at whether we can offer you a loan.

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How we process our same day approval loan applications

All you need to do is submit your application online, this usually takes around 4 minutes.

Furthermore, your loan application will be assessed by our expert loan team will decide if one of our same day approval loans are suitable for you.

You may need to supply supporting data, in which case we’ll send you an sms or email to let you know. It will usually be a quick and painless submission.

We utilise the latest safe banking technology that will grab 90 days of bank statements in seconds to give us an idea of whether your loan can be approved.

We assess your situation – As responsible lenders, we want to make sure you can comfortably pay back your loan. Therefore, we take our position as a money lender seriously.

Once this is completed and approved money can be transferred into your bank account within 60 minutes!

No tricks or hidden fees, just a simple process, done fast. This equals same day loan approval.

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See if our same day approval loans can work for you

Who is this product for?Those who are looking for a fast processing short same day approval loanTo be eligible to apply for a same day approval loan?What repayment terms do you offer?From 1-12 months. Repayment terms will vary depending on each applicant’s bank.Loan types availableFixedLenderJacaranda finance
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How we do customer service

Our business may be 100% online, however, we pride ourselves on offering excellent customer service.

At Jacaranda Finance headquarters, our expert loan team are monitoring our website and the phones to help you with any enquiries you may have. So, what are you waiting for? Simply contact us via our website or phone and our friendly team will help you out.

We want to our website to provide a welcoming persona, that is simple and easy to navigate. Our team are all loan experts, but not necessarily human!

Meet our latest team member: Dani the bot!

Ask her anything! Go on try it! She can handle it.

Dani is smart, approachable and fun. She even makes the first move. Therefore, when you visit our website, Dani is polite and will greet you on the spot. She will then offer rounds of questions to ask if required. So, ask her something now!

You may be thinking, ‘why can’t I just talk to a human?!” Well, we have those too! Here at Jacaranda Finance, we have the best of both worlds.

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So why wait?

Finally, Jacaranda finances same day approval loans are among the most competitive in the industry and we pride ourselves in offering amazing customer service as well!

So, what are you waiting for? It only takes 4-minutes of your time!

Start your journey with Jacaranda Finance NOW and get back onto the path of financial happiness!

Learn more about Jacaranda Finance by keeping in touch with our blog! Check out our latest post about how to pay for your wedding.

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

Our same day loan approval is lighting quick! - Apply Now up to $4,600! 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