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Loans Online Instant Approval In 60 Minutes*

Loans Online Instant Approval In 60 Minutes*

If you’ve been searching “loans online instant approval” on Google, you have come to the right spot! But is instant approval even possible? If a lender instantly approves your application it may mean that they don’t perform any credit checks on you which is not responsible lending practice. They probably don’t take the necessary care don’t take into consideration that you might be able to afford the repayments which may cause financial difficulty for you. 

Loans online instant approval

At Jacaranda, we believe in responsible lending. Therefore, we don’t approve your loan request instantly (we have to do a few checks) but we do approve it very, very fast. You could even get an outcome in 60 minutes (if you apply during AEST business hours). Exceptions may apply if you submit your application outside of our business hours or if we need additional documents with your application. 

Does Jacaranda offer loans online instant approval?

At Jacaranda, we know that time can be a pressing factor when applying for a personal loan. That’s why our loans are super fast! We can’t promise you an instant approval but we offer same-day personal loans: Skip nerve-wracking lengthy application processes and get your result in just 60 minutes*. We provide quick access to extra cash for the everyday Aussie, hassle-free and completely online. 

How does instant approval work?

In today’s fast-paced world, we expect almost everything to be instant. So,  it’s understandable that you want to know the outcome of your loan request instantly, too. 

If a lender promises you “loans online instant approval” they normally don’t look at your financial situation properly and would approve a loan, even if you may struggle to repay. 

An instant loan is a personal loan that will be provided almost instantly with a very short waiting period. What sounds great at a first glance can compound your financial struggles. 

We recommend choosing a lender that follows responsible lending practice as we do at Jacaranda. Our team thoroughly assesses your personal financial situation in just 60 minutes (if you apply during our business hours and we don’t require additional documents). We look at your spending habits and cash flow to make sure our loans are suitable and affordable for you to guarantee you a positive borrowing experience. We won’t lend you money that you can’t afford to repay but if you are unsure, talk to our team or a free financial counsellor about your situation. 

What is a personal loan?

A personal loan is a sum of money that you borrow from a lender over a specified amount of time with interest. At Jacaranda, we offer same-day small, medium, and large personal loans that range from $300 to $10,000. You can find additional information about our interest rates on the cost page

The Jacaranda difference  

Why get a loan with Jacaranda, you ask? We are sure you found multiple lenders when searching for “loans online instant approval”. However, we take pride in being different: 

  • We believe in responsible lending techniques. We will never lend you an amount that you will not be able to repay. 
  • We are completely transparent. We state all costs and fees on our costs page and in your personal loan contract. No hidden fees, no bad surprises. 
  • We care about our customers. If your financial situation has changed and you know you won’t make a payment, get in touch as early as possible. We may charge a penalty fee for a missed payment but if you communicate openly, we may be able to find a solution that works for both sides. 
  • We are 100% online. You can apply with us at any time of the day from anywhere in Australia.

Who can get a loan?

Have you been looking for “loans online instant approval”? It is our mission to make personal loans as accessible as possible for everyone. If you are unsure if you are eligible to apply for a loan, you may be surprised. We offer personal loans for people on Centrelink, personal loans for pensioners, and even if you have a bad credit rating, you may still be able to apply. 

You still need to tick a few boxes to be eligible for a personal loan: 

  • Be 18 years or older; 
  • Have Australian citizenship or be a permanent resident; Have an online banking account that you received consistent payments to in the last 3 months;
  • Have an active mobile number and email address. 

If that sounds like you, what are you waiting for? Our application process is completely online and will only take a few minutes. 

How long does it take to get a loan?

How long the whole application process takes you from start to finish depends on you. Most people submit their applications within a few minutes. Online applications are super fast and very easy. While we offer loans online, instant approval takes about 60 minutes. However, that only applies when you send us your application during our business hours. Otherwise, you may have to wait for your outcome until the next morning. 

How can I apply?

Standing in a queue with all your paperwork in your arms sounds unbearable to you? Same! That’s why our application process is 100% online and we skip all the boring paperwork. Instead, we use the newest and best secure banking technology to help us assess your financial situation in no time. The application is so easy, it only takes three steps from start to finish. 

Step one: Fill in the application form and submit. 

We will ask you for a few personal details (name, address, date of birth etc.), a reason for your application, your internet banking login and a few details about your current employment situation. If you are unemployed and receive Centrelink payments instead, we will need your MyGov details. 

Step two: Assessing your financial situation. 

Make yourself a coffee and wait while we assess your situation. It won’t take long! If you submitted your application within our business hours you may receive your outcome in just 60 minutes. If we need additional documents to support your application, we will be in touch immediately and let you know. 

Step three: Receive your funds. 

If your application gets approved, welcome to the Jacaranda family! We will send you an electronic copy of your loan contract. Once that is signed, we will forward your funds to your nominated account as soon as possible. 

If we can’t approve your application, another lender may still be able to offer you a loan. 

What types of loans do you offer?

If you’ve been looking for “loans online instant approval” chances are high that you are searching for a quick and easy loan. Luckily, we offer a range of different online loans that are tailored to your personal needs and could be transferred to your bank account on the same day. Our personal loans range from $300 to $10,000 and vary in their repayment duration and interest rates. If you are curious about current rates, head over to our costs page.

Small unsecured personal loans 

A small personal loan ranges between $300 and $2000 with repayments scheduled over a period of 12 months. Small personal loans are the most uncomplicated to get as you don’t need to provide security against the loan.

Medium secured personal loans 

The medium personal loans at Jacaranda range from $2,001 to $4,600 and their repayment periods range between 13 to 24 months. Medium personal loans are secured loans, therefore, security in the form of a vehicle (a car, motorbike or boat) must be attached to your application. 

Large secured personal loans  

Like medium personal loans, large loans are secured loans. They range from $5,000 to $10,000 and repayment periods vary between 13 and 24 months.

If you are unsure what loan works for you, check out our loan calculator on top of this page. Playing around with it may give you a feeling for repayment amounts over different periods of time. 

This following table shows the different types of loans Jacaranda Finance offers:

Loan typeLoan amountLoan term
Unsecured$300 to $2,00012 months
Secured$2,000 to $4,60013 to 24 months
Secured$5,000 to $10,00013 to 24 months

Can I get a loan if I receive Centrelink payments?

Yes, you can. Access to loans online instant approval should not depend on your employment status. What is important to us is that you receive a consistent cash flow. Therefore, we will treat Centrelink payments just like normal income. If you fulfil our other requirements, we highly encourage you to apply to find out if you are eligible. However, if you receive Centrelink you may want to look into Advance payments for Centrelink before you apply for a personal loan. 

Why do you need my online banking details?

We use safe and modern technology to assess your personal situation that quickly. With your permission, we access a read-only copy of your bank account to see how much money is going in and out and save you the effort of going through all your bank statements. We will know about that Netflix bill and how much you spend on Ubereats but this information is safe with us. Cybersecurity is very important to us and at no time will anyone be able to access your bank directly.

I’ve got bad credit, can I still get a loan?

Yes, you can. We are not here to judge your past mistakes. While we will perform a credit check, we can promise you it’s not all we are looking at. Instead, we care much more about your current finances and your spending habits. Therefore, we may still be able to offer you a loan if your credit rating is bad and you fulfil all your other requirements. 

Are you going to call my work?

We may get in touch with your employer to check if the details you provided are correct. But don’t worry, our team is experienced and discreet, they won’t tell anyone any details about your loan or your current financial situation. 

I still have questions, can I talk to someone?

Of course, we are happy to help. If you feel like asking your question in the middle of the night, better send us a message. Our service team will get back to you as soon as possible. If you prefer to talk to some in person, you can call during office hours on 1300 189 823. 

Our business hours are: 

Monday to Thursday: 8 am – 6 pm
Friday: 8 am – 4 pm
Saturday: 8 am-12 pm


Are you ready to become a part of the Jacaranda family? We can’t wait to get to know you. Simply head over to the application form and choose your preferred loan amount! If you are still struggling to know how much you should borrow for how long, you can use the loan calculator on top of this page to workout repayments.

*If you apply during regular business hours

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Last updated: 13/05/2020, 3:57pm

Our low rates

Our low rates

💰 Personal Loans starting from 7.89% (8.73% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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Jacaranda is 100% online. So, we do not accept applications over-the-phone. However, our friendly team is more than happy to answer any questions you may have.