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Apply For a Loan in Minutes with Jacaranda Finance

Apply For a Loan in Minutes with Jacaranda Finance
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

Do you need money quickly?

Has an unexpected expense recently toppled your well-planned monthly budget? Perhaps you’ve had your eye on a much-needed getaway for you and your partner, but your wallet is a little light right now. We’ve glad you found us. If you’re looking to apply for a loan, Jacaranda Finance is the lender to look to.

Our thousands of happy customers even say that Jacaranda Finance is the best place to apply for a loan, but we’ll let them do the talking.

You can apply for a loan fast from an online lender that cares. We offer personal loans between $300 to $10,000 and flexible repayment periods to suit how much you’re borrowing. Approval is subject to individual financial situations. When you apply online you can expect:

  1. Fast application
  2. Quick outcomes
  3. Cash straight to your bank

Life is busy and, when you’re faced with red tape and time-sucking paperwork, it may seem like there is no room for the good things. Grab your phone, apply for a loan in minutes, have an outcome within 60 minutes (depending on when you apply) and get cash straight to your bank in 60 seconds*. It’s that easy to apply.

Where can I borrow money fast?

Whether you’re looking to apply for a loan with bad credit or apply for a quick loan online, Jacaranda is the lender you never knew you needed. We offer quick personal loan applications for $300 to $10,000, outcomes in minutes and instant banking for most applicants meaning you could borrow money fast, without leaving your couch.

What really makes Jacaranda stand above the fields of online lenders? You can submit an application in minutes, receive a quick outcome and have cash in your bank in 60 seconds*, but there’s more. We give every Aussie a fair go. No matter the situation, we guarantee a fair assessment of each loan application. Whether you receive Centrelink or a pension, are a single mum or self-employed – you can be sure we have your best interests at heart when you’re looking for the finance you need.

How much can I borrow?

If you’re looking to borrow money, look up Australia’s award-winning lender Jacaranda Finance. We’ll do our best to give you the personal loan you need. You can bank on us to have your back, whether you have good credit, bad credit or are receiving Centrelink. We’re committed to giving every Aussie a fair go. How? We look at more than just your credit score – we look at your current relationship with money.

Whether you’re looking for a quick cash pick-me-up or something more, we offer a range of loan amounts to suit your needs.

Loan Type Loan Amount Repayment Period
Small unsecured loan $300 to $2,000 12 months
Medium secured loan $2,000 to $4,600 13 to 24 months
Large secured loan $5,000 to $10,000 13 to 24 months;

At Jacaranda, we offer loan amount options that are catered to your current situation. It’s part of our commitment to responsible lending – we will not approve an application if they cannot reasonably afford the repayments or if we don’t think a loan is a suitable solution to your financial needs.

Can I get a secured loan?

You can apply for a secured loan with Jacaranda Finance. All loans above $2,000 are considered secured, so you’ll need to attach details of your asset, whether it’s a car, motorbike, caravan or boat, to your application. Don’t worry, we’ve made this a simple part of your application form. We can provide flexible secured personal loans by offering a variety of repayment periods, from 12 to 24 months. Pick a repayment period that works for you and we’ll do our part – assessing your loan application.

What’s the easiest loan to get?

When life has you on the run, the last thing you want is red tape or never-ending phone calls. So, apply for a loan with Jacaranda Finance for easy borrowing. Whether it’s bad credit loans, loans for people receiving Centrelink, vet bill loans, travel loans or medical loans – we can have you covered in three steps.

Who is eligible for a loan?

To check if you’re eligible to apply for a loan make sure you can tick off the following requirements:

  • Be over 18 years of age
  • Have Australian residency or citizenship
  • Receive a regular income
  • Have an active mobile number

If you meet these four requirements, you can submit an application right now! Just scroll up and use our loan calculator to choose your perfect fast loan.

What details do I need when I apply?

We’re all about making your life a bit simpler, so, when you apply, make sure you have these details handy so that you fly through your application:

  • Personal contact details e.g mobile number and email address
  • The reason for your loan
  • Internet banking details
  • MyGov login info (if you’re receiving Centrelink)
  • Employment details

We’ll do our best to match what’s on your bank statement with the information we need from you so that your application goes quicker.

Jump up to the top of this page to submit a fast application for the loan you need. Once you’ve submitted an application, our team do their best to deliver an outcome within 60 minutes, if you apply during our office hours. .

How do I apply for a loan?

You can apply for a loan in just a few minutes with Jacaranda Finance. Skip the hassle long assessment periods, branch visits or overdrawn phone calls. Instead, just apply with Jacaranda in three easy steps:

Step 1: You apply online

Before you begin your application, use our loan calculator to select how much your loan repayments could be. Drag the slider to the amount you wish to borrow and repayment period you’re after. You’ll see an estimation of your repayments, either weekly, fortnightly or monthly. Once you are happy with your proposed loan terms, click the ‘Apply Now’ button to get started. Fill in a few details about your financial situation and you’ll be ready to hit submit.

It’s so convenient, you can apply on the go or from the comfort of your living room.

Step 2: We assess your application

After you submit your online application, it’s our turn to get to work. We’ll know whether we think we can help you within seconds of submitting your application, then we’ll get stuck into our assessment. Our team will begin assessing your application and contact you directly if we need any extra information. We aim to deliver an outcome within 60-minutes*, depending on when you apply. Take a look at our office hours here!

Step 3: Cash straight to the bank

If you’re approved, congratulations! We’ll send you a contract to review, sign and send back, and once it’s a done deal, you could have your cash in your bank in 60 seconds*, thanks to our instant bank transfers.

So why wait? You could have the personal loan you need in 3 easy steps. Scroll up to begin your application now.

How long does loan processing take?

Once you’ve signed your contract, you should receive your personal loan in just 60 seconds*. Now you’re repayments start, but don’t worry, no need to start setting hundreds of reminders. We’ll set up a direct debit with your nominated bank account and your repayments will be withdrawn automatically either weekly, fortnightly or monthly depending on what suits. Perfect, right? Wait there’s more.

All the information you need about your active loan is in one place. Log into your online portal to access information regarding your repayments, loan terms and much more! It’s easy and, if you have any troubles, our team is available during business hours to lend a hand.

Can I pay my loan early?

Of course – and we don’t charge any pesky early payout fees, so you don’t have to worry about a mysterious ‘additional charges’ on your bank statement. You can repay your loan at any time, without any extra cost. Get in touch with us today for more information!

Can you get a loan with bad credit?

Yes! You can apply for a small loan with bad credit, or a secured loan with bad credit – we’re committed to giving every Aussie a fair go, bad credit and all. As part of our assessment policy, we look at more than just your credit score. We also look at your current relationship with money.

So, don’t let bad credit deter you from applying for the cash you need, you can bank on us.

Can I apply if I receive Centrelink?

Absolutely! As each persons’ financial situation is so different, your best bet is to apply and let us take a look. If you receive Centrelink, you can certainly submit an application for a personal loan. Much like bad credit, we don’t see Centrelink on your application and immediately dismiss it. Our team look at the bigger picture, including bank statements and income to assess whether we can approve your application. We can consider Centrelink as regular income if you’ve been receiving it for at least 3 months.

Unfortunately, we cannot guarantee approval before you submit an application. Apply today and if you have any questions throughout your application or about your contact our team is happy to chat. Contact us at

Can I apply for a loan near me?

Since our service is 100% online, yes! You can apply anytime, anywhere. All you need is a few spare minutes to submit an application. Jacaranda Finance is your local, trusted lender no matter where you are. So, you can rest easy knowing that applying for the loan you need is just a click away.

How can I get a loan fast?

That’s easy, apply with us! You can submit an application in just a few minutes. Once you complete your application, our team can assess your situation and deliver an outcome within 60 minutes (depending on when you apply), then if approved, you can have your cash in 60 seconds**! So, in other words, to get a loan fast, simply apply right now!

Cash in 60 seconds

Things move fast around here. You can complete an application within minutes, our team can assess it in under 60-minutes*, and if approved, your money is delivered straight to your account in 60 seconds**! For most customers, we can have the cash in your bank within 60 seconds, once your contract has been signed. No waiting times, no pesky fees – just lightning cash when you need it most.

Bank on the loan experts

Have bank-anxiety? Tired of long phone calls and endless hoops to jump through? Opt for Jacaranda when you’re in need of quick easy cash. Whether you have your eye on a new kitchen or an unexpected expense has thrown a spanner in the works – we have your back. With a fast application, speedy outcomes and cash in 60 seconds** borrowing just got a whole lot easier.

Stay in touch with the Jacaranda team

If you need help with your application or have questions about your outcome, have a chat our customer service team! You can either call us on 1300 189 823 or chat to us on Facebook for instant answers, without having to pick up the phone.

Like our Facebook page for all the latest updates from the Jacaranda team.

Ready to apply?

Great! Scroll up and use our loan calculator to design your very own loan that suits what you need. Don’t forget to chat with our friendly customer service team if you run into any trouble.

*If you apply during business hours and we don’t require any additional information from you

**If your bank supports NPP transactions

Thinking of applying for an IVF loan? Read on for more information!

Reviews don’t lie 🌟

Reviews current as of May, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 7.59% (12.24% 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.