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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.

Unexpected bills loan

Unexpected bills loan up to $4,600, Fast loans

fast & safe loans

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Have you received an unexpected bill? Looking for Unexpected bills loan? Don’t know how you’re going to pay it?

No problem Jacaranda finance can help you solve that with one of our unexpected bills loans!

Do you have unexpected bills? Why choose Jacaranda?

Why not choose Jacaranda!

No face to face meetings – there is no need for you to leave your home or office to apply for an unexpected bills loan as we are 100% online!

All you need is a regular source of income and you can apply!

Jacaranda offer very reasonable fees for our cash loans.

We charge a 20% upfront fee plus a flat 4% monthly fee and no interest ever!

No hidden costs, no surprises! Isn’t that refreshing!

What is an unexpected bills loan?

An unexpected bills loan is a small, fast, 100% online stress free loan.

All you need to do is fill out our 4 minute application form online by pressing the Apply Now button and you will have a yes or no answer within 60 minutes!

Do you perform Credit Checks?

Yes, we do perform credit checks on our unexpected bills loan applications.

If you have had bad credit loans in the past, don’t let that stop you from applying for a cash advance loan with us.

We are however much more lenient than other more traditional lenders and look at the overall picture of your financial situation when considering your loan application.

Do you lend to customers who have had bad credit in the past?

Yes,

Although we do perform credit checks each loan is conducted individually and we use your last 3 months worth of bank statements to indicate to us whether you are eligible for a Jacaranda unexpected bills loan rather than just that of a credit check.

Because we believe that everyone deserves a second chance and we can offer you a hand up and get you back onto the road to financial success.

Unexpected expenses? No problem Jacaranda can help you solve that problem!

Has your washing machine unexpectedly broken down and you have mountains of washing piling up? Or maybe that sound in your car finally gave way to the real problem eeek! Either way even these everyday household and car repair problems can be solved with a Jacaranda unexpected bills loan within 60 minutes!

Just hit the APPLY NOW button on the top of the page and we can get you started!

What if I need an unexpected bills loan outside of business hours?

No problem!

Unlike traditional banks and lenders we are open 24/7 and you can apply for whenever it suits you!

No need to wait until business hours to apply for your loan!

We are 100% online loan service all you need to do is hit the APPLY NOW button and fill out the 4 minute application and you are on the way to solving those bill shock worries.

Can I get an unexpected bills loan if I’m on Centrelink?

Absolutely!

As long as you have a regular source of income and are earning at least $400 a week or $800 a month, then you are eligible to apply for an unexpected bills loan.

How do I repay my unexpected bills loan?

No problem that couldn’t be easier!

Once your loan is approved we will set up a direct debit that will come straight from your bank account on a nominated day, that is affordable with your situation and loan amount.

Once your short loan term is completed your direct debits will automatically stop.

It’s that easy!

What should I consider when thinking about applying for an unexpected bills loan?

Who is this product for? Individuals looking for an unexpected bills loan
To be eligible for an unexpected bills loan you need to meet the following criteria: Be 18yrs of age

Have a regular source of income

Be a permanent Australian resident

Have a current contact number

How long do I have to repay my loan? Each loan will vary due to differing loan amounts but generally it will be between 16 and 50 weeks.
Available Loan types Fixed
Lender Jacaranda Finance

We are 100% online, 60 minute approval and we’re here for you when you need us to help you get back your financial stability and success!

Start your partnership with Jacaranda Finance TODAY! APPLY NOW!

Example of how our small personal loans work.

  • Loan Amounts: Minimum $400 to Maximum $2,000.
  • Terms: Minimum 16 weeks to Maximum 50 weeks.
  • Costs: Up to 20% Establishment Fee charged upfront plus a 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(%).
  • Example: Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle 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 Amounts: Minimum $2001 to Maximum $4,600.
  • Terms: Minimum 13 months to Maximum 24 months.
  • 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.
  • Example: Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount)+ $400 (Establishment Fee) + $1378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly installments of $61.27.
  • For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Unexpected bills loan up to $4,600, Fast loans Overall rating: 4.7 out of 5 based on 147 reviews.

Great easy application

★★★★★
5 5 1
Very fast easy to apply thank you so much

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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(%).

Terms

16
weeks minumum
50
weeks maximum

Example:

Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle 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.