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Discover Jacaranda Finance

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CASH TO YOUR BANK

We give you the outcome of your application with 60 minutes
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Quick Turnarounds & Decisions
$300 $4600
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(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.

Same day cash loans for unexpected expenses up to $4,600!

Same day cash loans to cover those unexpected expenses from Jacaranda Finance

Are your Christmas bills piling up? Have you had an unexpected expense? Or are you just in need of a short term cash boost to cover a new bill? It’s not uncommon, because unexpected expenses can happen to anyone at any time. Sometimes things happen out of the blue and you need cash the same day! We get it… and the good news is, you’ve come to the right place. Because that’s exactly what we do here at Jacaranda Finance. We do same day cash loans. We’re here to get you through those unexpected pitfalls with our same day loans.

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What are same day cash loans?

To put it simply, our Jacaranda Finance same day cash loans are loans where (if approved) your funds will be delivered to you on the same day for you. In the past, getting a loan was a lengthy, painstaking process. But with Jacaranda Finance we utilise the latest in safe banking technology to ensure you’re loan application process is hassle-free and fast. We understand that things don’t always go as planned and sometimes you need a helping hand. Jacaranda Finance cash loans wants to be that helping hand for you!

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How do you apply for same day cash loans?

To apply for a same day loans application, simply begin with completing our fast and easy application. You can find our application form right here on our homepage. It only takes 4 minutes to complete, so brew yourself a coffee and finish by the time the kettle boils!

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Who can apply for same day loans?

Anyone who meets our eligibility requirements can apply for same day cash loans. The following is a list of the requirements for applying. You need to be:

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What information do I need to apply?

One of the biggest benefits of borrowing same day cash loans with Jacaranda Finance is there is no paperwork. That’s because we want our loan applications to run as smoothly as possible, for you and for us! So, the information we need can all be delivered electronically. Here is some of the information we’ll need from you:

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Where can I apply for same day cash loans?

If you want to apply for same day cash loans Australia, you don’t need to be anywhere in particular. You can be at home, you can be at work, or you can even be shopping! As long as you have internet enabled device you can apply. That’s the great thing about us being completely online. We are very accessible!

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When do I receive my same day cash loans money?

Once you’ve applied, we assess your application and try to give you an outcome within 60 minutes of applying. Upon approval of your application, we will then send you a loan contract.
When you accept the contract, we’ll transfer your funds to you straight away. However, you are welcome to reject the loan contract if you decide you don’t want to go ahead with the same day cash loan.

If you do accept the contract, you should receive the money directly to your nominated bank account same day! Although, it will depend on what bank you are with, as some are faster than others. So, if you don’t receive your funds the same day, you should receive them overnight at the very latest.

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Why do people apply for same day loans?

The main reason people need same day cash advance loans is to pay for something urgently. There are many expenses that crop up out of the blue, leaving you having to figure out a solution fast! Here is some example of what people have used same day loans for in the past:

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How much do same day cash loans cost?

With Jacaranda Finance, we do two different types of same day loans. Firstly, we do same day small cash loans and same day medium cash loans.

Small cash loans

Our small personal loans are loans from $300 to $2000 which can be repaid over a 12-month period. These are unsecured loans that don’t require a security deposit.

The fees for our small cash loans are a 20% establishment fee as well as monthly fees of 4%. To give you an idea of what your loan will cost use our helpful personal loan calculator. It will help you to determine what your repayments amounts will be.

Medium cash loans

Our medium secured personal loans are loans from $2100 to $4600. These loans can be repaid over a 13-month to 24-month period. It’s up to you what loan repayment period will suit your needs best.

The fees for these medium loans include a $400 establishment fee, plus a yearly fee of 48%. Again, you can use our loan calculator to help you determine your repayment amounts for your desired loan amount and loan period.

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How do same day cash loan repayments work?

The best way we’ve found to structure the repayment process is to set up a direct debit. You can choose for your direct debit payments come out of your account weekly, fortnightly or monthly. It’s up to you what repayment interval you would prefer. Whatever works best for you.

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What happens if I miss a repayment?

If for some reason you miss a payment. It is not the worst thing in the world, though it’s important to let us know as soon as possible. If you bury your head in the sand the situation won’t resolve itself. You’ll end up being charged a $35 penalty fee. So give us a buzz on 1300 189 823 and we can work together to help find a solution.

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Can you get same day cash loans for people on Centrelink?

The great news is that we do indeed to cash loans for people on Centrelink. However, we don’t accept all Centrelink applicants, since we assess everyone on a case by case basis. This is because we want to make sure you will be able to afford the repayments. We will never lend people more than we believe they can afford.

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Do you do same day cash loans for unemployed people?

As part of the Jacaranda Finance vision, we do adhere to responsible lending practices. So, unfortunately, if you do not receive any income we can’t give you a loan since we need to ensure you will be able to make the repayments. However, if you are unemployed and receive a payment from Centrelink that could be considered income, i.e. carer’s payments, veteran payments, disability support or even pensions, these are the types of unemployment incomes we accept. So, why not apply and see what we can do for you!

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Can I get same day cash loans with bad credit?

We know that having a bad credit rating doesn’t necessarily mean you’re not good with your finances. Having a bad credit rating may be a result of things that happened in the past and things that you weren’t able to control. Perhaps you were bad with credit in the past but are now working to make a change.

That’s okay, we get it.

So, we don’t hold that against you. In fact, borrowing same day cash loans can help improve your bad credit to improve your credit rating when you are reliable with making your repayments.

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What are the benefits of same day cash loans?

Small same day loans are amazing for several reasons. We’re proud of our same day cash loans so we wanted to highlight why we think they’re so great, and why you’ll love them too.
Our same day cash loans are 100% online – because everything completely online, this saves you time and means the whole process of applying for a loan is much easier. There’s no stress involved. Because you don’t have to travel to a bank and apply for a loan. It can all be done from the comfort of your own home.

They are fast! – if we hadn’t already emphasized it enough, our same day cash loans are convenient and quick. From the time you apply to the time you receive your money, it can all happen within the same of a day.

100% paperwork free – since everything is done electronically there is no need to worry about messy paperwork. This means less stress for you, and no wasting time gathering documents together.

Automatic repayments – our same day loans is that we set repayments up to come out of your account automatically. That means you don’t have to worry about making your payments on time, they’ll just automatically be withdrawn from your account.

You can pay your loan off early – another great thing about our same day cash loans, is that you can pay your loan of early if you want to. We also won’t charge early exit fees. So, if you decide you’re ready to pay off the rest of the debt you owe, you can feel free to do that.

You can talk to us if something goes wrong – if you can’t make your repayments for whatever reason, you can just contact us. We can negotiate a solution that works for both you and us.

Same day cash loans can demonstrate responsible use of credit – if you don’t have the best credit rating, same day cash loans can, in fact, help you to increase your credit rating. Making regular repayments demonstrates to lenders that you know how to use credit responsibly.

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What should you watch out for with same day loans?

Before making any decision it’s important to consider all the implications before you dive in and commit to accepting the loan. Here are some of the most important things to consider before getting a small same day loan:

The purpose of the loan

A big part of your decision will be what you need the same day loan for. It’s likely that you have a clear idea about why you need to borrow the loan. However, if you don’t have a clear purpose of what to use your loan for, then it’s probably not a good idea to borrow. If you are just getting a loan to keep up with your everyday expenses, then this is risky. You could end up getting into a dangerous debt cycle this way.

The repayments

An important thing to keep in mind for when you borrow a loan is to ensure you can afford the repayments. To help evaluate how you can afford repayments, devise a budget and work out what all your expenses are. Knowing exactly what your monthly expenses are will help you to work out if you can fit the repayments comfortably into your budget. This is important because if you can’t afford the repayments, and you miss repayments, you will be charged a dishonour fee of $35. In addition, missing repayments will harm your credit score.

The terms and conditions

After you apply you’ll be offered a loan contract. The contract will outline all the terms and conditions of the loan. This includes the fees and charges, the length of the loan term and other responsibilities that you have as a borrower. If you don’t like the conditions outlined in the loan contract it may not be a good idea to ahead with the loan.

If you would like to find out more about same day cash loans in general, head to the Moneysmart website, which has a bit more information about them for you.

So, now that you have all the facts, you may feel that a same day loan from Jacaranda is exactly what you need. There are a multitude of benefits you can enjoy with same day loans, so why not experience them for yourself and apply now!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

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%.

Terms

16
weeks minumum
50
weeks maximum

Example:

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

Costs

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.

Terms

13
months minumum
24
months maximum

Example:

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

Same day cash loans to cover those unexpected expenses from Jacaranda Finance 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