ClickCease Cash Loans Australia | Quick online loans up to $10,000

Home > Cash Loans Australia

Cash Loans Australia

Cash Loans Australia
Personal Loans up to $10,000

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

Stopwatch Icon

Apply in less than 8 minutes

Stopwatch Icon

Apply in less than 8 minutes

Getting a cash loan in Australia – What to know

The cost of living in Australia continues to rise while wages remain stagnant. This has led many Australians to turn to credit to assist them with their financial needs. Credit cards are a popular option for Aussies, with 13.9 million active credit cards as of 2019 according to Roy Morgan. The rise of online lenders has led many Australians to turn to cash loans Australia when unexpected bills arise.

Accompanied by the demand for online lenders has come a highly diversified market. Many lenders offer what they claim to be the ‘best deal’ which can make choosing a suitable loan option quite difficult. If you are unsure where to turn, we will break down our online cash loans Australia to provide you with some clarity.

What are cash loans in Australia

Cash loans are a type of short term personal loan that can be used to cover a range of expenses. Whether it is an emergency medical expense or a much-needed getaway, a personal loan with Jacaranda can be used to cover the costs. At Jacaranda, we offer fast cash loans Australia that range from $300 to $10,000 and can be repaid over 12 to 24 months (depending on how much you apply for). 

There are three different types of cash loans available for you: small loans, medium loans and large loans. These are further broken down in the table below:

Loan Type

Secured Options

Loan amount

Loan term

Small Loan


$300 to $2,000

12 months

Medium Loan


$2,001 to $4,600

13 to 24 months

Large Loan


$5,000 to $10,000

13 to 24 months

All of our loan amounts above $2,000 are secured personal loans. The reason for this is because there is a higher level of ‘risk’ associated when the borrowed amount exceeds this figure. Whether you want to secure your loan with a car, motorbike or caravan, that is completely up to you. However, if you wish to borrow an amount over $2,000, please keep in mind that an asset must be used as collateral.

Lightning-fast online cash loans

Are you in need of quick cash loans in Australia? Here at Jacaranda, we pride ourselves on our extremely fast loan outcomes. If you apply within our business hours, we could get back to you with an outcome within just 60 minutes*. All you need to apply is a few spare minutes, an internet connection and a mobile or laptop device and you could have your cash in no time!

Depending on which bank you are with, you could have your cash in your account and ready to use within 60 seconds* of our team transferring your funds to you. When you need emergency cash fast, Jacaranda is the lender for you.

How do I apply?

Applying for a same day cash loan with Jacaranda Finance could not be easier with our 100% online, quick and easy application form. Simply follow these five simple steps:

Step 1: Apply online

Step 2: We assess your application

Step 3: We let you know whether your application was approved or not

Step 4: If you’re approved, review and sign your contract

Step 5: Receive your cash!

Eligibility requirements

We have a few simple eligibility requirements that all of our applicants must meet before we can approve them for a loan. Ensure that you can say ‘yes’ to all of these requirements before you apply:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had a consistent income into your bank account for at least the last 90 days
  • You have an active email address and mobile number
  • You have internet banking set up

Documents required

In order to streamline your application, please ensure that you have these documents available when you apply.

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address etc.)
  • Online banking login details (so we can access read-only copies of your bank statements)
  • The reason for your loan application
  • Your myGov details (if you receive Centrelink benefits)

Do you offer instant cash loans Australia?

Our loan outcomes may be fast, but they are not instant. We cannot offer ‘instant cash loans’ because all of our loans are subject to a thorough assessment. We must ensure that you have the ability to repay your loan before we can approve your application. So, while our application processing times are fast, they are not instantaneous. 

Online loans in Australia are usually quite fast, but we are as fast as it gets. Applying for a personal loan with Jacaranda is as close as it comes to applying for an ‘instant loan’ in Australia.

Why apply with Jacaranda Finance?

There are a lot of personal loan options available to you. Why should you choose Jacaranda? Here are a few reasons we think we’re offering the best personal loan options for you.

Simple online application

As a 100% online lender, there are no piles of paperwork or long waiting times. Our application form can be completed in just a few minutes without even needing to leave your couch. Everything from the application to your repayments are set up electronically. 

No hidden fees and charges

One of the best features of our personal loans is that we have no hidden costs. Everything is completely upfront and transparent. So, you don’t need to worry about any unwanted surprises. You’ll be made aware of all of our possible fees and charges in your loan contract.

No exit fees

While we have standard repayment terms, you can pay off your loan any time you like! While some lenders will charge you early settlement fees, we do not. So, if you’re in the position to repay your loan early, you are free to do so completely free of charge. This could save you in interest and monthly fees.

How do repayments work for cash loans in Australia?

We will set up a Direct Debit in line with your pay cycle. Whether this is weekly, fortnightly or monthly, your payments will automatically come out on your payday. When your loan has been repaid in full, your direct debits will stop. 

Can I get a cash loan with bad credit?

At Jacaranda, we believe every person should have access to financial assistance when they need it. For this reason, we offer bad credit personal loans. We adhere to responsible lending guidelines set by the ASIC, so we do still conduct credit checks on all of our loan applicants. However, a poor credit score will not stop you from accessing a personal loan with Jacaranda. We use bank statement service, Credfin, to look at your bank statements to ensure that you can afford your loan repayments. If your relationship with money has improved, even with bad credit, we may be able to offer you a personal loan. 


Do you still have questions about our cash loans Australia? Here are some of our most frequently asked questions and answers.

How much can I borrow?

You can borrow up to $2,000 with our small unsecured personal loans. If you wish to borrow more, we offer medium loans and large loans up to $10,000. These loans are secured and repayment periods will vary.

I’m on Centrelink, can I still apply for a loan?

We consider most Centrelink income as regular income. As long as you have been receiving your benefits for at least the last 90 days, and meet the rest of our eligibility criteria, we may be able to provide you with a personal loan. 

Do you conduct credit checks?

We must conduct credit checks on all of our loan applicants to ensure they will be able to comfortably afford their repayments. We provide bad credit loans, so we may be able to provide you with a loan despite having a poor credit history. 

What are the fees on your online loans?

This will completely depend on how much you are looking to borrow and your current financial situation. If you have more questions, refer to our personal loan interest rates page or use our loan repayment calculator.

Reviews don’t lie 🌟

Reviews current as of Aug, 2020.

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.

Apply Now 🚀
Existing client?

Existing client?

Manage your loan easily in one place.

Log In
Had a good experience?

Had a good experience?

Share the love by referring a friend now and receive up to $100 of free credit 💸

Refer a friend

Need a hand? 👋

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.