Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months receiving a rate of 10.48% (12.56% Comparison Rate). A borrower with an excellent credit history can expect to pay a total of $12,054.24. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.56% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 10.48% (12.56% comparison rate) with a maximum of 24% (41.50% comparison rate). The minimum loan term is 12 months and the maximum loan term is 36 months. For more details and examples visit our rates and fees page.

How do I get approved?

Start the application process
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Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

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Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 5 mins 1 to complete. Most applicants have an outcome from their application within 60 minutes2.

applications
Accept your contract & we release your money instantly

Once you digitally sign your contract, we’ll release your money instantly3. Most clients have their money in their bank account and ready to use straight away (even on weekends).

money
Manage your account effortlessly

Through our customer portal, you can manage your loan and repayments with ease. Check balances, make extra repayments and payout your loan early at the click of a button.

Same Day Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 12 – 24 months
Starting Interest Rate (APR) – Excellent Credit
Check out our Rates & Fees page for all rate bands.
10.48%
Starting Comparison Rate – Excellent Credit
Check out our Rates & Fees page for all rate bands.
12.56%

Based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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.

Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly account keeping fee $0 to $25
Early repayment fee $0
Average turnaround 60 minutes2
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid 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 with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 12 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

Our same day loans

Jacaranda Finance is a 100% online lender that specialises in delivering same day loans from $2,500 up to $15,000. We understand that when you need cash for an emergency, there’s no time to waste. That’s why we offer fast approvals within one-hour2 and instant transfers in just 60-seconds3. So, when you need cash as soon as possible, look no further than Jacaranda Finance. 

What can you use a same day loan for?

From car repairs to medical bills, we receive same day loan applications for a variety of reasons. Whether you need urgent financial assistance for yourself, your pet, or car, you can apply for a same day loan to help cover the costs. We offer medical loans, car repair loans, dental loans, bad credit loans, vet bills, and plenty more.

  • 100% Online
  • 60-Minute Outcomes2
  • Flexible Repayments
  • Instant Transfers Once Approved3
  • Australian-Based

Get your cash in 60-seconds once approved3

How Jacaranda can provide a same day loan

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Our tech

Here at Jacaranda Finance, we’ve built our very own fast loan processing engine to simplify the processing of applications and limit the time needed to do so. This innovative system collects all of the information necessary and clearly outlines it to our team of loan experts. This allows them to quickly and efficiently approve your loan application.

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We work with all major banks

We partner with all the major banks in Australia. This means that whether you bank with ANZ or Commonwealth Bank, you should receive your loan transfer from us within 60-seconds3.

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Our Australian-based underwriting team

We employ everyday Australians just like you. Our Brisbane-based underwriting team is dedicated to providing you with fast and high-quality customer service. While we are 100% online, you can call us with any questions you may have. Our team will be more than happy to assist you with anything you need.

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Our commitment to speed

We are Australia’s first lender to provide a 60-second transfer — that is how fast we are. We provide instant cash transfers to our customers as soon as we receive their signed loan contract. If you have an NPP-enabled bank account, you will receive your cash in 60-seconds3.

How to get approved on the same day

If you need money fast, there are a few things you can do to ensure that we can process your loan as fast as possible.

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Use our 100% online application form

If you’re after a same day loan, choose Jacaranda Finance as your lender. Apply in three simple steps:

1. Apply online;
2. Get your quick outcome, and;
3. If approved, receive your cash.

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Have supporting documents ready

To process your loan as fast as possible, it’s imperative that our team receives all of your supporting documents. This will include: your basic personal details, 100 points of ID, reason for your loan, and online banking information.

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Be ready to sign your contract

We can only provide instant transfers on approval after we receive your signed contract. Make sure you have your phone or other device with you ready to review and sign your contract when our team sends it through via email.

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Be available if our team needs more information

In some cases, our team may require more information from you. This is why it’s important that you’re available to answer any questions we may have.

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Apply for the right amount

We are responsible lenders. As a result, we will conduct a thorough financial assessment of your application to ensure that you can reasonably manage your loan. Our assessors will be able to offer a lower or higher loan depending on the clients financial capacity.

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Know your credit score and financial situation

Ensure that you are applying for a loan that will be manageable based on your current situation. We can still provide same day loans to people with bad credit if they meet our criteria, so don’t stress when applying.

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – GOOGLE REVIEW

It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.

Brendan Lau88 – GOOGLE REVIEW
 

Am I eligible for a personal loan?

  • Be at least 18 years of age

  • Be an Australian citizen or permanent resident

  • Have a consistent income into your bank account for the last 90-days

  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

 

What you’ll need to apply

  • Basic personal information (i.e. full name, address, D.O.B)

  • Online banking details

There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you

 

Common Questions About Same Day Loans