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Borrow Money up to $10,000

Borrow Money 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

Borrow money quickly and securely

When you need a quick cash fix, it can sometimes become necessary to borrow money fast. Typically, when you borrow money, you’ll be required to pay back that money at a later date with a rate of interest. A personal loan with Jacaranda is one option for you to borrow money quickly. At Jacaranda, we offer personal loans that range from $300 to $10,000. 

How to borrow money

There are a few finance and credit options at your disposal when you are looking to borrow money. 

Credit card

Taking out a credit card can be a good way to borrow money. Credit cards provide access to funds up to a set limit and come with a minimum payment due each month. Credit cards can be good for flexibility but often come with several fees.

Line of credit

A line of credit is similar to a personal loan in that it lets you access extra money (up to your credit limit) but without a fixed term. This gives you more flexibility but is accompanied by an often higher interest rate for this reason. 

Bank loans

Getting a bank loan can be a great personal loan option if you need cash. Accompanied by interest and fees, a bank loan is great for face-to-face service with a reputable lender (like one of the big banks or a challenger bank). However, bank loans are often subject to much stricter assessments, make it hard for some people to get approved. 

Quick online loans

Another option is for you to get a personal loan from an online lender. Online personal loans are a great way for you to borrow money fast and without the hassle of long approval times and physical paperwork. At Jacaranda, our personal loans are 100% online and paperwork free. We could get back to you with an outcome of your application within just 60 minutes!

How to borrow money fast

If you’re looking to borrow money instantly, an online personal loan with Jacaranda is your answer! Traditional lenders, like banks, often involve long application processes in which you have to physically go into the bank to apply. We like to make things simple with our easy online application form. 

Ready to apply? Follow these simple steps:

Step 1: Apply online

Scroll to the top of this page and use our loan slider to decide the amount you wish to borrow. Once you’re happy, press ‘Apply Now’ and fill out the rest of your application.

Step 2: We assess your application

Once we have received your completed application, we will begin processing. We will aim to get back to you within 60 minutes* (during AEST business hours), however, times may vary depending on your individual circumstances.

Step 3: Sign your contract

If your application is approved, we will send you an electronic contract for you to review and sign. We encourage that you read this thoroughly to make yourself familiar with all of our terms and conditions. Once you’re happy, sign your contract and send it back to us.

Step 4: Receive your money

When we receive your contract, we will send your money straight to your bank account. It could take as little as 60 seconds** to hit your account (depending on which bank you are with). 

Borrow money with bad credit

We’ve provided thousands of loans to Aussies with bad credit. If you have a bad credit history, you may have been turned away from traditional lenders. At Jacaranda, we like to give everyone a fair go. We will not turn you away solely based on your credit score. Your financial situation will be assessed as a whole, using other means such as viewing your bank statements, to decide whether a personal loan is right for you. You can apply for a bad credit loan up to $10,000 with Jacaranda today! 

What is the cost of borrowing money?

The costs of borrowing money vary depending on how you decide to borrow. At Jacaranda, we will always be transparent about how much your loan will cost. No hidden fees. We will always be upfront about any possible costs or fees. We state all the relevant interest rates and fees associated with your loan in your loan agreement. To get a more detailed idea of our costs, visit our personal loan interest rates page.


Still, have questions? Here are some answers to our most frequently asked questions.

How much can I borrow?

We offer personal loans from $300 to $10,000. These loan options are broken down into three types of loans: small loans, medium loans and large loans. Small loans range from $300 to $2,100; medium loans range from $2,100 to $4,600; and large loans are between $5,000 to $10,000. Your repayment term will vary between 12 and 24 months depending on the amount you apply for. 

How much will my loan repayments be?

This will depend on how much you borrow and the terms of your loan. You can use our personal loans repayment calculator to find out exactly how much your repayments will be based on your specific loan terms.

How do you check my bank statements?

We will ask you for your online banking details so that we can access a read-only copy of your bank statements. We use third-party encryption software to safely and securely access your statements. Don’t worry, we will never be able to make any changes to your bank account or access passwords. We will simply look at screenshots of your spending and saving habits to thoroughly assess your financial situation. 

Can I pay off my loan early?

Yes, you can and you won’t be charged an early settlement fee. Additionally, paying your loan out before the loan term ends could save you money in monthly fees and interest.

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.