Can I get a same day loan with no credit check?

At Jacaranda Finance, we do credit checks. This is because performing a credit check is a part of every responsible lender’s application process. However, credit checks play a small role in our decision making. Our loan products are relative to your current financial position – the better your financial position, the better your rate gets. 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 7 years and it can be supplied on demand. There are four credit reporting bodies we may use: Equifax Pty Ltd (Equifax) W: www.equifax.com.au PP: www.equifax.com.au/privacy T: 13 8332 Experian Australia Credit Services Pty Ltd (Experian) W: www.experian.com.au PP: www.experian.com.au/contact-us Illion (formerly Dunn & Bradstreet) W: www.dnb.com.au PP: http://dnb.com.au/privacy-policy.html E: publicrelations@dnb.com.au T: 1300 734 806 TaleFin Pty Ltd (Formerly Lend Guard) W: www.lendguard.com.au/ C: www.lendguard.com.au/contact-us/ PP: https://lendguard.com.au/legal-policies/

I already have a personal loan. Can I still apply with Jacaranda?

Yes. Having other loans doesn’t automatically rule you out from being approved for a Jacaranda loan. Every application we receive goes through a thorough assessment of unsuitability. One of our processes is to ensure that you can comfortably afford your Jacaranda loan should you be approved.

Can I extend an existing loan?

If you meet our criteria, we will be able to approve you for a ‘top-up’ on your existing loan. To extend your existing loan, all you need to do is complete an application form with us. Our team will then manually assess your request. If we find that you can manage the extra amount requested, we will provide you with the extra cash.

What can I buy with a same day loan?

You can use a same day loan from us to purchase a vast array of items or cover unexpected bills. Whether you need to replace your fridge, buy new car parts, or book holiday accommodation, look to Jacaranda Finance for a same day loan.

How do the fees and charges work?

The fees and charges on your loan will depend on a few factors including the amount you apply for, the repayment term, your credit rating and the strength of your application. After you complete an application, we’ll provide you with an offer. This offer will include all the details in relation to the loan including the amount, repayment term, fees, charges, as well as terms and conditions. Submitting an application with us does not cost you anything and any offer is non-binding.

Same Day Loans

Name: Same Day Loans Australia | Jacaranda Finance
Brand: Jacaranda Finance
Rating: 4.9 (2657 reviews)

Looking for a loan outcome on the same day that you apply? Jacaranda Finance offers same day loan outcomes and if approved you’ll have money in your bank account in as little as 60 seconds once you accept your contract.

Loans from $2,100 to $25,000

Fast and easy online application

Great customer service

Get Started Now

You can now check your eligibility,
with no impact on your Credit Score!

I'd like to borrow

Over the term of

Get Started Now If Approved Get Paid in 60 Seconds³

You can now check your eligibility,
with no impact on your Credit Score!

*Subject to lending criteria, T's and C's'

4.9/5

2,660+ Reviews

Our same day loan process helps customers when they need it.

1.

What is a Same Day Loan?

Jacaranda Finance is a 100% online lender that specialises in delivering same-day loans up to $25,000. We understand that when you want a loan you want it on your terms. That's why we offer fast approvals on the same day² and transfers in just 60-seconds³.

So, when you need cash as soon as possible, look no further than Jacaranda Finance.

You can now also check if you qualify, without it affecting your credit score!

2.

Benefits of our Same Day Loans

Outcomes without the long wait

If you finish your application and provide our credit assessment team with all the requested documentation by 3pm, we will get you a loan outcome on the same day!²
Check if you qualify first

Our application process allows you to see if you qualify for a loan within 5-12 minutes¹. If you don’t qualify there is no impact to your credit score.
Get paid the same day

If you are approved for a loan and you accept the contract we send you, we will transfer the money into your account in 60 seconds. This means you can get paid the same day you apply.
Improving your credit score

Because Jacaranda Finance uses comprehensive credit reporting you can start to improve your credit score with responsible credit behaviour such as making all your loan repayments on time.

Outcomes without the long wait

If you finish your application and provide our credit assessment team with all the requested documentation by 3pm, we will get you a loan outcome on the same day!²
Check if you qualify first

Our application process allows you to see if you qualify for a loan within 5-12 minutes¹. If you don’t qualify there is no impact to your credit score.
Get paid the same day

If you are approved for a loan and you accept the contract we send you, we will transfer the money into your account in 60 seconds. This means you can get paid the same day you apply.
Improving your credit score

Because Jacaranda Finance uses comprehensive credit reporting you can start to improve your credit score with responsible credit behaviour such as making all your loan repayments on time.

3.

Our Same Day Application Process

Our loan application process has been created to deliver an outcome as soon as possible. After you complete your online application we’ll be in touch for any additional information or documentation, which you can upload directly to us.

Get Started Now

4.

Estimate Your 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.

I'd like to borrow: $8,500

Borrow:
$8,500

- +

Over how many months:

Months

24 36 48

Estimated
repayments:

...

p/wk

Interest Rate

14.95% - 27.95%

Comparison Rate

29.30% - 42.80%

See Comparison Rate Warning

*Please consider: The example repayment is a guide based on the highest rate available for a product. Fees, credit criteria and terms and conditions apply. Your loan offer may vary once your details are captured and verified and an assessment is completed.

Get Started Now If Approved Get Paid in 60 Seconds³

5.

Same Day Loan Cost Breakdown

Jacaranda’s Same Day 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.

Interest Rate

Comparison Rate*

Loan Term

Repayment Cycle

Secured or Unsecured

Establishment Fees

Monthly Fees

Risk Fee

Comparison Rate Warning*

Cash Boost

$2,100 - $4,600

Interest Rate

47.80%

Comparison Rate*

About Comparison Rate*

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

66.07%

Loan Term

9 - 18 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured & Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$400 Flat Fee

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$0

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $2,500 over 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Unsecured
Personal Loan

$5,000 - $15,000

Interest Rate

17.95% to 24.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

32.40% to 39.63%

Loan Term

24 - 36 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Unsecured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$140 to $995

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Secured
Personal Loan

$5,000 - $25,000

Interest Rate

14.95% to 27.95%

Comparison Rate

About Comparison Rate

A comparison rate allows you to understand the more accurate cost of taking out a loan. It includes the loan's interest rate plus some associated fees and charges.

It's a legal requirement for lenders in Australia to display the comparison rate whenever an individual rate is displayed. A high comparison rate could be an indication of high hidden fees. See also: Interest rates vs comparison rates.

29.30% to 42.80%

Loan Term

24 - 48 months

Repayment Cycle

Weekly, fortnightly or monthly

Secured or Unsecured

About Security

A secured loan is a type of loan that requires security, also known as collateral. An unsecured loan does not.

Since your security can be repossessed by the lender if you cannot make your repayments, secured loans generally come with higher loan amounts and more competitive loan terms. See 'secured vs unsecured loans' for more information.

Secured

Establishment Fees

About Establishment Fees

An establishment fee (or application fee) is the one-off, upfront fee a lender charges for submitting your application. It covers the costs of assessing your application and paying the staff to do so.

This fee is charged as a standard rate based on how much you're applying for. Read 'personal loan fees explained' for more information.

$475 to $990

Monthly Fees

About Monthly Fees

The monthly fee is an ongoing fee charged to cover the administration costs of managing your loan. This fee will be debited monthly and will depend on the amount you borrow plus the term of your loan. Read 'personal loan fees explained' for more information.

$24 p/month

Risk Fee

About Risk Fee

Also known as a credit fee or risk margin, the risk fee covers the level of risk associated with your loan. Risk fees vary based on a number of factors, primarily your loan amount, credit score, financial history and more.
Read 'personal loan fees explained' for more information.

$0 to $995

Comparison Rate Warning*

Comparison Rate Warning: the comparison rate is based on $10,000 over 36 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

This is not an offer for credit. The amount you can borrow as well as the offer you receive may vary once you complete an application and all relevant details are captured and verified. Fees, credit criteria and terms and conditions apply. Example tables and calculators are illustrative only and are not intended to be your sole source of information when making a financial decision. Consider whether to get advice from a licensed financial adviser.

6.

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, dependant number)
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.

Secured by

Available now

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