Same Day Loans

Looking for a loan outcome on the same day that you apply? Jacaranda Finance offers same-day loan outcomes2, and, if approved, you could have money in your bank account in as little as 60 seconds3 once you accept your contract.

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Loans from $3,000 to $25,000
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Fast and easy online application
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Great customer service

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'

Looking for a loan outcome on the same day that you apply? Jacaranda Finance offers same-day loan outcomes2, and, if approved, you could have money in your bank account in as little as 60 seconds3 once you accept your contract.

Decorative graphic of a Coin
Loans from $3,000 to $25,000
Decorative graphic of a clock
Fast and easy online application
Decorative graphic of a calendar
Great customer service
1.

What are Same Day Loans?

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.

We've helped folks from all corners of Australia secure same-day loans. So, when you need cash as soon as possible, look no further than Jacaranda Finance.

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

2.

Benefits of our Same Day Loans

  • Check if you qualify first

    Our application process allows you to see if you qualify for a same-day loan within just a few minutes (approximately 5-12 minutes1). If you don't qualify, there is no impact on your credit score.

  • Outcomes without the long wait

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

  • Get paid the same day

    If you are approved for a same-day loan and you accept the contract we send you, we will transfer the money into your account in 60 seconds3. It's as straightforward as it sounds – you can have the funds you need on the very day you apply.

  • Improving your credit score

    Because Jacaranda Finance uses Comprehensive Credit Reporting (CCR), you can start to improve your credit score with responsible credit behaviour, such as making all your loan repayments on time.

  • Check your credit score

    Jacaranda customers can check and monitor their credit score for free within their customer portal or FastMoney mobile app.

  • Check if you qualify first

    Our application process allows you to see if you qualify for a same-day loan within just a few minutes (approximately 5-12 minutes1). If you don't qualify, there is no impact on your credit score.

  • Outcomes without the long wait

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

  • Get paid the same day

    If you are approved for a same-day loan and you accept the contract we send you, we will transfer the money into your account in 60 seconds3. It's as straightforward as it sounds – you can have the funds you need on the very day you apply.

  • Improving your credit score

    Because Jacaranda Finance uses Comprehensive Credit Reporting (CCR), you can start to improve your credit score with responsible credit behaviour, such as making all your loan repayments on time.

  • Check your credit score

    Jacaranda customers can check and monitor their credit score for free within their customer portal or FastMoney mobile app.

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.

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 same-day loan repayments could be.

Ready to Apply? You can get started now.

1. I'd like to borrow: $8,500
Please consider: loans above $15,000 and terms above 36 months, require security in the form of a registered motor vehicle you own.
2. Loan Term (Months)

Ready to Apply? You can get started now.

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
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Loan Term
Repayment Cycle
Secured or Unsecured
Show the What does it mean? modal
Establishment Fees
Show the What does it mean? modal
Monthly Fees
Show the What does it mean? modal
Risk Fee
Show the What does it mean? modal
Comparison Rate Warning*
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Unsecured
    Establishment Fees
    Show the About Establishment Fees modal
    $130 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    Comparison Rate
    Show the About Comparison Rate modal
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    Repayment Cycle
    Weekly, fortnightly or monthly
    Secured or Unsecured
    Show the About Security modal
    Secured
    Establishment Fees
    Show the About Establishment Fees modal
    $130 to $990
    Monthly Fees
    Show the About Monthly Fees modal
    $24 p/month
    Risk Fee
    Show the About Risk Fee modal
    $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.
Interest Rate Comparison Rate
Loan Term Secured or Unsecured
Monthly Fees Repayment Cycle
Establishment Fees Risk Fee
  • Unsecured
    Personal Loan
    $3,000 - $15,000
    Interest Rate
    17.95% to 27.95%
    17.95% to 27.95%
    Comparison Rate
    32.40% to 42.80%
    32.40% to 42.80%
    Loan Term
    25 - 36 months
    25 - 36 months
    Secured or Unsecured
    Unsecured
    Unsecured
    Monthly Fees
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    $130 to $990
    $130 to $990
    Risk Fee
    $0 to $995
    $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.
  • Secured
    Personal Loan
    $3,000 - $25,000
    Interest Rate
    14.95% to 27.95%
    14.95% to 27.95%
    Comparison Rate
    29.30% to 42.80%
    29.30% to 42.80%
    Loan Term
    25 - 48 months
    25 - 48 months
    Secured or Unsecured
    Secured
    Secured
    Monthly Fees
    $24 p/month
    $24 p/month
    Repayment Cycle
    Weekly, fortnightly or monthly
    Weekly, fortnightly or monthly
    Establishment Fees
    $130 to $990
    $130 to $990
    Risk Fee
    $0 to $995
    $0 to $995
    Comparison Rate Warning*
    (Personal Loans)
    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.
    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.
6.

Same-Day 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.

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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
  • Check your credit score
7.

Trusted by 1,000s

4.9/5
4.8/5
4.7/5
4.9/5
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8.

Same Day Loans FAQs

Want to learn more about our same day loans and how they work? Find out all the answers to our most common questions here.

You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $3,000 and $25,000. 

For detailed information about who our products are designed for, please review our Target Market Determinations.

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 loans, visit our rates and fees page.