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 9 months and the maximum loan term is 24 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 8 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.

iPhone
Apply online, it’s simple and easy

Submit an application via our 100% online application. This could take you as little as 8 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.

Short Term Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
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 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.

Need a short term loan?

If unexpected expenses have shown up and your bank account is in need of a boost, you may be after a short term loan to cover these costs. Jacaranda Finance offers short term online loans from $2,500 to $15,000 with loan terms ranging up to 24 months. Applying for a short term loan is easy with our quick online application process. Our 60-second3 loan transfers mean you can have access to the funds you need, fast.

  • Borrow From $2,500 to $15,000
  • Up to 24 Month Loan Terms
  • Fast Loan Outcomes
  • 60-Second Transfers3
  • Simple Online Application

Get Your Cash In 60-Seconds Once Approved3

We’ve helped over 50,000 people get approved!

What can I use a short term loan for?

No matter the reason, Jac’s got your back with short term loans to help you cover unexpected bills or any emergency expenses you may be facing. We offer fast outcomes and once approved, the money could be in your account in 60-seconds3.

Am I eligible for a short term 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

 

Why choose Jacaranda for short term loans

Start the application process
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Our tech

Here at Jacaranda, we’re home to award winning, state-of-the-art technology that helps us understand your individual financial situation. We don’t judge you on your credit score alone, which is why we’re able to help thousands of Aussies secure finance. We’re proud to have created one of Australia’s smartest 100% online application processes that makes applying for a short term loan easier than ever.

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Our speed

Our 100% online application is quick and easy to complete, with 90% of applicants having an outcome at the end of the process. The rest of our applications will receive an outcome within 60-minutes2. We’ll only ask you a couple of questions about your personal situation and automatically request access to a read-only copy of your bank statement. This way we can assess your financial situation and your ability to repay the loan. Ultimately, our fast outcomes means that you can get on with what’s important.

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Australian-based & family-owned

Jacaranda Finance is Aussie born and bred, and our teams are all based in Australia so we can best serve our Aussie customers. Our customer service reputation is second-to-none and is backed by thousands of reviews from everyday Aussies. With almost 10 years of service under our belt, we remain committed to being an inclusive and responsible lender.

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60-second payouts

If you have an NPP-enabled bank account (which 90% of bank accounts have), the funds will be available in your bank account within 60-seconds3 of accepting your contract. All other bank accounts will receive the funds overnight on the day you’re approved.

What information will I need to provide?

  • 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

 

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
 

Common Questions About Short Term Loans

Do you still have some questions about our short term loans? Take a look at our most common questions to help clear the air.