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Cash Loans Canberra

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

Looking to borrow money in Canberra?

Seeking out cash loans Canberra residents? It has never been as easy as it is with Jacaranda Finance’s online loan applications. All you need to do is jump on our website, fill out our quick online application, and then sit back and wait for the money to be sent to your account. If your application is approved during normal business hours, you could have the money in your account the very same day.

Why apply for fast loans?

Cash loans Canberra are generally sought after when a person needs fast cash. Our cash finance can be perfect for the myriad of life’s surprises. This is because these loans are both fast, and can be spent however you wish. It could be that you’ve had some unexpected car troubles and need to have your vehicle repaired urgently, or that you’ve been stranded on a holiday with your card not working. Whatever it is, we are here to help.

Who can apply for a cash loan?

Whether you’re looking for the cash loans Canberra residents can apply for, or just doing a general search online, you’ll be pleased to know that all Australian Permanent Residents and Citizens can apply with Jacaranda. However, there are a few basic eligibility requirements our customers need to meet before applying for a loan.

How do I know if I’m eligible?

To be eligible to apply for a loan with Jacaranda, you need to be:

  • At least 18-years of age;
  • An Australian citizen or permanent resident;
  • Be receiving some sort of regular income over the last 90-days.

Can I still apply for a loan if I’m on Centrelink?

In short, yes. We are less interested in where your income comes from, and more concerned with how you handle your finances. But more on that later. However, in saying this, we have a duty of care as responsible lenders. Jacaranda will not lend to anyone they deem unable to comfortably pay back their loan.

Don’t worry, all hope is not lost. If you don’t meet our current eligibility requirements, try again in the future. We know people’s situations change, and we’ll never let a failed attempt in the past affect your future applications.

If you are in a position where you need quick cash but you are unable to make the repayments, seeking further financial help from the Government will not only increase your chances of a cash loan approval, but provide with further ongoing support.

How do I get a cash loan in Canberra?

The process for applying for a loan is 100% online. Not only is our online form super simple and quick to fill out, you can do it all without even rolling out of bed or leaving the couch.

Another huge plus of being 100% online is there’s no paperwork! Customers won’t need to send us any physical copies of bank statements or payslips.

Do you perform credit checks?

Yes, we do. But, before you start clicking out of here, let us tell you why we could still help. We have a duty of care as responsible lenders to perform credit checks on potential clients. In fact, we’d wager that any loan provider promising not to perform a credit check, is probably not who you’d want to get into bed with.

Now while we do perform credit checks, it’s not the be all and end all of your application. If your past-self’s actions have left blemishes on your credit score, we’ll try not let that get in the way. We use the latest in safe-banking technology to securely view your bank statements over the last 90-days, to get a better picture of your current relationship with money.

So, if the 18-year old you’s financial habits do not reflect who you are now, apply now! Jacaranda wants to help those who are making an effort to get their finances and credit scores back in order!

How long does it take to see the money?

Our application will only take you a few minutes to complete, and we’ll respond with an outcome as soon as possible. If you submit your application during normal business hours, you could have a response in as little as 60-minutes*. If we have approved your application, we’ll send over a digital contract to your contact address. Once you’ve signed the contract and sent it back over, you’ll have the money in your account in no time. Depending on the policies of your bank, and when we received your signed contract, the funds will be transferred to your account same day, or overnight.

What are the different types of cash loans Canberra residents can apply for?

Before you apply for your cash loans Canberra peeps, you should be aware of the options that are available to you. Jacaranda offers three types of loans:

Loan Type Secured Options Loan amount Loan term
Small Bad Credit Loan Unsecured $300 to $2,000 9 to 12 months
Medium Cash Loan Can be Secured $2,001 to $4,600 9 to 24 months
Large Personal Loan Secured $5,000 9 to 24 months


What are the costs involved in getting cash loans Canberra?

At Jacaranda, we pride ourselves on not surprising our clients with nasty, hidden fees and charges. To get a full description of the costs involved without loans, head over to our costs page.

How can I repay a cash loan?

All our repayments are done through a direct debit of your nominated bank account. This makes it easier for both our customers and ourselves.

We try to give our customers as much flexibility as possible when agreeing upon a repayment plan. You are able to select whether the money comes out of your account on a weekly, fortnightly, or monthly basis. To make life even easier, we recommend setting up the direct debit to be in line with your pay cycle. Doing this should make sure there’s always enough money in your account, and will avoid those annoying dishonour fees.

What if I can’t make a repayment?

If you feel like you won’t have enough in your account to afford one of your repayments, we cannot stress enough how important it is to get in touch with us ASAP. We’ll try come up with alternative solutions, so you can afford to pay what you owe.

Just sticking your head in the sand and wishing for it to all go away, will not help. You’ll end up making your credit score worse and, if things get out of hand, be opened up to berating debt-collectors.

If you do get in contact with us though, you don’t need to worry. We are genuinely here to help and do not want to see our customers spiral into worse debt.

What can I do with my money in Canberra?

Sweet! You’ve got your cash in your account and you’re in the capital, what next?

Free things to do in Canberra

We all know the saying “money makes the world go round”. For better or for worse, it is a genuine fact in this modern world. However, we also feel that “the best things in life are free”, still holds true, even today.

Our nation’s capital has buckets of free things to do. Go for a walk around Lake Burley Griffin, or visit the Houses of Parliament. Why not check out all museums and galleries, which are some of the best in Australia.

Customers use our cash loans Canberra for all kinds of important things. While enjoying life is perhaps the important thing, we believe you shouldn’t need a loan to have fun.

Here’s a list of the best things to do in Canberra. The best bit? Heaps of these are free!

Hot air balloon tours

Since you’re all cashed up in Australia’s largest inland city, then you should consider seeing Canberra from a birds-eye view. Taking a hot air balloon trip over the city is the best way to take in all that Canberra has to offer. Perhaps it’s something you’ve always wanted to do but it has been a little out of your financial reach? Or maybe you booked it and then found you weren’t liquid enough to pay for it when the time came? Whatever it is, our cash loan will get you flying high in the Canberra sky in no time.

Canberra Cuisine

Canberra is world-renowned for its ‘Freakshakes’ which are basically just milkshakes on steroids. These shakes can only be found in Canberra at Patissez Cafe which is in Manuka as well as Civic.

One of the best forms of stress-release and relaxation lies at the bottom of a wine glass. While you’re in Canberra, make sure you take to take a wander through the 140 amazing vineyards the city has to offer, most just a short thirty-minute ride from the city. Your cash loan can be used for anything so it should be put towards a worthy cause.

Canberra also offers a great ‘foodie’ scene especially around Braddon, NewActon, and the Kingston Foreshore. If you’re a person that likes to eat their way through a destination, then why not try all the eclectic cafes, restaurants and bars that Canberra has to offer?

Canberra Markets

Another, albeit healthier and more wholesome way to spend your time in Canberra is to visit the Capital Region, Farmers Market. Fill your bags with some of the best local produce around. Once you’re done there, why not head on over to the Old Bus Depot Markets, and buy something to take home with you? There are beautiful flowers, jewellery and local artwork for sale. Whatever you’re looking for, we’re sure you’ll find something to remember your time in Canberra.

Found yourself in a pickle?

Have you found yourself visiting Canberra and stranded without a dollar in your pocket? Or you are perhaps a resident of Canberra and in need of quick cash? We also provided you with a simple guide of what to do and where to go when in trouble.

If you do need a cash loan in Canberra then the only necessary resource you need to get one is a smartphone. Even if your phone only works off Wi-Fi there are plenty of cafes, bars and hotels throughout the city that will allow you to get the internet access you need.

Don’t have access to a smartphone?

If you don’t have a smartphone, don’t stress! There are still various solutions available to you. One of these being hunting down an internet café. Although we have well and truly entered the twenty-first century and internet cafés are a little more few and far between, there are still a few around Canberra that are easy enough to get to.

The top three internet cafés in Canberra include The Barrack LAN Games and Internet Café,  N1 IT Services Canberra, and Lazy Boyz Café. Just tell a taxi driver where it is you need to go and they’ll get you to the internet access you need. Alternatively, you may have internet access at the hotel you are staying at or perhaps you can ask a nearby hotel if you can jump online there.

Once you’re in front of a smartphone or computer, jump on to Jacaranda Finance, fill out your application, practice a little patience and you’ll be unstuck in no time.


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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.