If you need a same day personal loan, Jacaranda Finance can lend a helping hand. We offer flexible personal loans from $1,000 to $15,000 and approval within 60 minutes*.
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No matter what life throws your way, a Jacaranda Finance personal loan can help get you through it. Whether you’re needing $1,000 to cover bills or $15,000 to buy new white goods, taking out a secured or unsecured personal loan can help alleviate your financial burden. We’ve made our application process as straightforward as possible, and, if your application is approved, our 60-second** transfers mean you can use your cash almost instantly.
You might be wondering what a Jacaranda personal loan can do for you. To give you a quick overview, here are some common reasons that Aussies take out personal loans with us:
A trip to the dentist can cost hundreds of dollars, even without any special treatment. If you’re struggling with medical bills, turn to Jacaranda for a personal loan.
Whether it’s rental costs, new white goods, or replacing your furniture, a personal loan can be of assistance to cover these regular household costs.
Avoiding your next car service because of the hefty price tag? A personal loan can cover this, as well as any unexpected costs that pop up during the service.
Depending on your circumstances, a personal loan can be useful to consolidate debts. Whether it’s credit card debt or debt from multiple loans, a personal loan for consolidation can help lower your total interest repayments.
A personal loan can be used for flights, accommodation, and other costs that come with booking a holiday.
To qualify for a Jacaranda personal loan, you must meet the following criteria:
Use our quick and easy application, and (if approved), you’ll typically receive your cash in just 60-seconds**.
Have your personal info, 100 points of ID, and online banking details at the ready to smoothline the process.
Signing your contract once you receive it will allow us to transfer your cash quickly and easily.
Depending on your application, we might need to grab some more info from you. The easier it is for us to contact you, the quicker we can have your cash in your account!
When it comes to applying for a personal loan, there are a few things we’ll need from you. These include:
Reviews current as of June, 2021.
Here at Jacaranda Finance, we use our in-house bank statement technology to provide you with an outcome as quickly as possible. This tech allows us to grasp an idea of your financial situation, rather than just looking at your credit score. Along with this, we’ve streamlined our 100% online application process, to ensure things are as simple and straightforward as can be. We also provide customers with our personal loan repayment calculator, which allows you to estimate your repayments over the course of your loan.
Our online application process takes only 8 minutes to complete - leaving you plenty of time to get on with what’s important and leave the rest with us. We’ve streamlined the process so well that 90% of applicants receive an outcome as soon as they submit their application. Those who don’t receive an outcome instantly will typically wait just 60-minutes* (during normal business hours) to hear back from our team.
As an Aussie-owned and operated venture, Jacaranda Finance understands what it takes to keep our customers happy. That’s why we have one of the best customer service reputations in Australia. If you’re wanting to see proof, just check out our reviews above!
We don’t make promises that we can’t keep, which is why we’ll never approve a loan that we don’t feel confident about. Our friendly customer service team is available to chat anytime during business hours, and we’ll always do our best to help you out.
Thanks to our in-house technology, approved applicants with a NPP-enabled bank account will typically receive their cash within just 60-seconds** of approval. This saves you the stress of waiting for funds, especially when you’re short on time. For applicants who don’t have an NPP-enabled account, don’t stress - you’ll see the money in your account overnight from the day of approval.
A Jacaranda Finance personal loan can be anywhere from $1,000 to $15,000. We’re flexible with our loan terms and comparison rates, and always strive to make sure you’re getting the best deal with us for the life of the loan.
The fees and charges that come with your loan will depend on the borrowed amount and interest rate. To make sure you’re not blindsided, we’ll provide you with a credit guide before you sign your contract. This will outline how much you can expect to pay, as well as the full terms and conditions. Common fees and charges include monthly fees, interest charges, establishment fees, and late/default fees (if applicable).
Each loan agreement will incur different repayment amounts. However, you can use our personal loan calculator tool to estimate how much you can expect to pay. To find this feature, simply scroll up to the top of the page and use the sliding tool to select how much you want to borrow. Once you’ve selected this, as well as your desired repayment length, click the ‘Apply now’ button to find out your estimated repayments. Your repayment amount will also depend on whether you have fortnightly or monthly repayments. If you’re ever unable to make a payment, always reach out to us - we’re here to help you pay off your loan, even if there are obstacles along the way.
Jacaranda Finance is proud to be an inclusive lender. This means that customers who meet our loan criteria can be approved for a loan, even with a bad credit history. We’ll look at things like your spending history and your employment status to determine whether you can reasonably manage loan repayments, rather than just your credit score.
As a responsible lender, our team is required to assess your credit on application. This follows ASIC’s responsible lending practices. However, don’t let this stop you from applying as we’re an inclusive lender and help Aussies with bad credit get back on track every day.
Unlike other lenders, we view Centrelink payments as a form of income. So, if your payments meet our criteria and are coming in on a regular basis, there’s no reason to let that hold you back from applying. Our team works tirelessly to match applicants with loan terms that suit their circumstances, so whether it be poor credit, Centrelink payments, or anything else, always feel free to reach out and chat with our team to understand your options.
* If applied within our standard business hours. 60-minute outcomes are not guaranteed.
** If you have an NPP-enabled bank account.
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.