Home > Money Loans Up To $10,000

Money Loans Up To $10,000

Personal Loans up to $10,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Want to learn more about money loans? Read on.

Jacaranda Finance money loans could be the answer to some of your temporary financial stress! If you’ve been hit with some surprise expenses or you’re struggling to get on top of your credit card bills, you may be thinking that cash loans are the right thing for you.

Therefore, with quick finance from $300 all the way up to $10,000, you’ll be able to rest easy knowing that your bills can be covered. At Jacaranda Finance, we can offer you fast outcomes and the possibility of same-day cash transfers. With service this quick you’ll be back to getting your recommended 8 hours a night in no time.

How does our application process work?

Applying for our money loans Australia works by first completing our easy online application form. It could only take you a few minutes to fill out. We’ll ask you a few questions about the purpose of your loan, as well as some personal details. We’ll also need you to provide us with a contact number so that we can let you know the outcome of your application.

If your application is approved, we will send you a message, extending you an offer for a loan. Your job then is to accept the loan contract. As soon as we receive the contract back from you, we’ll transfer your funds. However, if you decide you don’t want to go ahead with the loan you can feel free to reject the loan contract.

Who can apply?

As a responsible lender, we can only lend fast approval loans to those who meet our eligibility requirements. To be eligible you must be:

  • At least 18 years of age
  • Receiving a regular income (for at least 90 days prior to applying)
  • An Australian citizen or permanent resident
  • Able to provide an active mobile number and email address

What information do I need to apply?

One of the biggest benefits of borrowing cash loans from Jacaranda Finance is there is no paperwork. That’s because we want our loan applications to run as smoothly as possible, for you and for us! So, the information we need can all be delivered electronically. Here is some of the information we’ll need from you:

  • 100 points of ID
  • Email address and contact number
  • Your purpose for applying for the loan
  • We’ll also need your internet banking details, so you’ll need to have internet banking set up with your bank
  • If you receive Centrelink benefits we’ll also need your MyGov logins so that we can verify the income you receive from Centrelink

What are the benefits of Jacaranda Finance money loans?

Fast personal loans with Jacaranda Finance are amazing for several reasons. We can offer the possibility of same day cash loans, so we wanted to highlight why we think they’re so great, and why you’ll love them too.

Our money loan applications are 100% online – because everything is completely online, this saves you time and means the whole process of applying for a loan is much easier. There’s no stress involved because you don’t have to travel to a bank and apply for a loan.

They are fast!

If we hadn’t already emphasized it enough, our fast cash loans are, well, fast. From the time you apply to the time you receive your money, it can all happen within the same of a day. However, times will vary depending on whether you’ve applied in business hours, if we require any additional information, and the transfer policies of the bank you are with.

100% paperwork free

When you apply with Jacaranda Finance everything is done electronically, so there is no need to worry about messy paperwork. This means less stress for you, and no wasting time gathering documents together.

Automatic repayments

Our cash loans involve setting up repayments to come out of your account automatically. So, that means you don’t have to worry about making your repayments on time, they’ll just automatically be withdrawn from your account.

You can pay your loan off early

Another great thing about speedy loans is that we can offer is that you can pay your loan off early if you want to. Unlike some more traditional lenders, we don’t charge early exit fees. So, if you decide you’re ready to pay off the rest of the debt you owe, you can feel free to do that, completely free of charge.

You can talk to us if something goes wrong

If you can’t make your repayments for whatever reason, you can just contact us. As long as we have at least 24 business hours notice before your payment is due, we can negotiate a solution that works for both you and us.

So, what are fast money loans Australia?

Fast cash loans are a type of personal loan that we offer to borrowers who need quick cash. Therefore, with Jacaranda Finance, you can borrow anywhere between $300 and $10,000. Below we’ve explained all you need to know about our different types of loans.

Loan Type Secured Options Loan amount Loan term
Small Loan Unsecured $300 to $2,000 12 months
Medium Loan Secured $2,001 to $4,600 13 to 24 months
Large Loan Secured $5,000 to $10,000 13 to 24 months

You can find more information regarding our interest rates and fees on our costs page. Alternatively, you can head to the Moneysmart website for general information about fees and charges.

Do we do bad credit loans?

Need a money loan but have bad credit? We may be able to help you with that. That’s because, while we do conduct credit checks, your credit rating is not the only thing we look at when assessing your loan application. We prefer to look at your current financial situation to assess whether you’ll be able to manage the repayments.

So, we do this by using the latest financial software which allows us to look at your financial transactions over the last 90 days. So, even if you know you don’t have the best credit rating, it’s not a dead end. If you have decided that bad credit personal loans are the best thing for you, come to us and we’ll see how we can help.

What can quick cash loans be used to pay for?

The great thing about our Jacaranda money loans is that when you need a loan there are no limits on what you can use the cash for.  However, here is a list of some of the common reason why people need a loan in the first place:

  • Pay for car rego
  • Car repairs
  • Purchase a new household appliance
  • Pay for a holiday
  • Cover an unexpected medical or dental bill
  • Down payment on a car
  • Debt consolidation
  • Pay for a professional training course
  • Finance concert tickets
  • Home renovation

So, apply if I am receiving Centrelink payments?

If you are receiving a regular income into a personal bank account, regardless of whether that comes from Centrelink or work wages, you may be eligible to borrow money. We apply sensible loan practices, so we just ask for proof that you receive a regular income that will allow you to repay your loan over a period of 12 to 24 months. As a result, this is why we ask for your MyGov account details: so we can look at a read-only copy of your bank statements and Centrelink Income Statement and verify your ability to repay your loan.

How do I apply for money loans?

After deciding that you need Jacaranda Finance in your life, it’s time to apply for a fast money loan. Our loan process is easy and user-friendly. Here are 5 easy steps to follow to complete your application:

Step one: Applying online

Applying is seamless and hassle-free. Our online application could take just minutes to complete. Test it out! So, begin brewing your coffee and complete our online application and we are sure you’re coffee will be ready to drink once your application is finished.

Therefore, to accelerate your fast application, we also provide a cash loans repayment calculator. Our repayment calculator is located at the top of each Jacaranda Finance webpage and is easy to use. Simply select how much you wish to borrow and for how long and it will display either your weekly, fortnightly or monthly repayments. Once you are happy with your loan, click ‘Apply now”.

Step two: Assessing your application

Based on the personal details you provide us, we will assess your application to see whether our lending service are right for you.

Step three: No paperwork loans!

Say adios to endless paperwork and tiresome photocopying, and embrace a life of hassle-free no paperwork loans. So, if you are approved, there’s no need to print out your contract! It’s all electronic.

It’s that simple. Save the trees and your time when you apply for a fast personal loan from Jacaranda Finance.

Step four: Responsible Lending

When we assess your application, we adhere to responsible lending practices. As a result, we do not approve anyone for a loan that they can’t afford. The last thing we want is for you to land in unmanageable financial debt.

Step five: Spend your moolah!

Once you have completed our application form, we do the rest of the work. So, simply sit back and binge-watch your favourite tv show or give your pet much-needed cuddles, whilst we get to work assessing your application.

Therefore, if your loan is approved, start thinking about how you can treat yo self with your new moolah. And we’ll transfer your funds directly to your nominated bank account as soon as possible. We will transfer the funds to you with the next round of banking after you have signed your loan contract. The amount of time it takes for that cash to reflect in your bank account will depend on the policies of your bank. Times tend to vary between a few minutes to the following business day.

And that’s it! After those five simple steps, you are ready for a Jacaranda Finance Australia money loans.

Simple ways you can repay your personal loan faster

One of the biggest questions to ask yourself before taking out a loan is whether or not you’ll be able to repay it comfortably over its entire term. Repaying a loan within its term or earlier can help relieve financial stress and increase your credit score. Additionally, not only will you have the benefit of shortening your loan term, but you’ll also be saving money on monthly repayments and accumulated interest. At Jacaranda, we won’t charge you any fees for making early repayments, if anything, we want to help you save money! Here are a few simple ways you can repay your personal loan faster:

  1. Budget. It can be common for borrowers to struggle with keeping track of their money. While it’s important making sure you’re aware of when payments are due, it’s even more important ensuring your account has sufficient funds. Budgeting can help ensure there are sufficient funds in your account and avoid having to pay default or late payment fees. Review your income and expenses to build up a budget and set reminders on your phone or calendar to ease the process of repaying your loan.
  2. Round up. A simple method that can help you repay your loan faster is rounding up your payments. We won’t charge you any extra fees for increasing your payments! However, only round up your payments if you’re certain you’ll be able to comfortably make all your payments on time. 
  3. Extra repayments. Making extra repayments wherever possible can significantly decrease your loan term. Even if you don’t believe you’ll be capable of making extra repayments monthly, consider making lump-sum payments yearly. Many people tend to do so around the time they receive their tax return.
  4. Payment frequency. Are you making monthly payments? Consider changing your payments to fortnightly if you’re considering repaying your loan faster. This method can help shorten your loan term and help you save up on monthly repayments and interest. However, much like some of the other points made above, it’s best to be reasonable with increasing your repayments to avoid late fees and defaults.

Ready to apply?

So, if this sounds like exactly what you need then go ahead and apply for your easy loans now! One of our lovely customer service attendants is waiting eagerly to assess your application.

We’ve got the low-down on small cash loans and term deposits. Keep reading!

Want to better understand car insurance? Jacaranda explains!

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Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% 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.