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How To Get Easy Cash Loans Fast
If you are looking for easy cash loans, you’ve come to the right place. Jacaranda Finance offers personal loans from $300 to $10,000 with an easy application and a fast outcome. Our service is 100% online, you can skip all the paperwork and receive your funds in three easy steps (if you are eligible for a personal loan). You may get your outcome within 60 minutes if you apply during AEST business hours.
We want to make getting a loan as accessible as possible for everyone. So far, thousands of Australians choose us as their trusted lender every year and we constantly adapt to make your borrowing experience great every single time.
Does Jacaranda offer easy cash loans?
Yes, we do! Our loans are exactly that: Super easy. We simply need a few personal details and access to a read-only version of your online banking account. Thanks to modern technology, we can assess your financial situation hassle-free and in no time. If you are after easy cash loans, Jacaranda may be able to provide the funds you need. Read on to see if you are eligible for a personal loan and how you can apply in three easy steps.
Let us introduce Jacaranda
Jacaranda Finance is not your traditional lender. We made it our mission to make getting a personal loan a pleasant experience for our customers. We cut out all the boring paperwork and bring it straight to the point. Online loan applications have never been easier. Additionally, we believe in responsible lending. We will assess suitability and affordability to ensure getting a loan is the right thing for you. While we want to provide loans to as many people as possible, we won’t let you borrow money if we think you may struggle to repay. We make sure all costs and fees are clearly stated in your loan contract and easy to find at our costs page. Our loans are completely transparent, no bad surprises or unexpected pay off fees.
How easy is it to get a loan with Jacaranda?
In short, it’s super easy. Our application is completely online, so you can conveniently fill it in from anywhere in Australia. How quickly you may submit the application depends on how tech-savvy you are. But most people manage to submit their application within a few minutes. And if you ever get stuck, we have an excellent customer service team to troubleshoot! (Note that we can’t take applications over the phone as our process is completely online.) Our loans are tailored to a wide range of needs. Even if other lenders have rejected you in the past, we may still be able to make you an offer. We think everyone should have a fair go. We can provide easy cash loans for people with bad credit and loans for people on Centrelink. Just make sure you meet our requirements and you are good to go.
Who is eligible for easy cash loans?
We know each personal situation is different. That’s why we cater to a wide range of needs. However, we ask you to meet a few requirements before applying. If you can answer every question below with a clear “Yes”, you’re eligible to apply with Jacaranda.
- Are you 18 years or older?
- Do you live in Australia as an Australian citizen or Permanent Resident?
- Can you provide an online banking account with at least 3 months of income history?
- Do you have a mobile number and email address?
If that’s you, then you’re good to apply! If you have any further questions about eligibility for our loans, please get in touch with our friendly customer service team.
What types of loan can I get?
At Jacaranda, we offer small, medium, and large personal loans that fit your personal situation. Our loans range from $300 to $10,000 with varying payment terms and interest. If you would like to know more about our loan prices, head over to our costs page. Alternatively, you can find a loan calculator at the top of this page. It can help you work out payment rates beforehand and get a good feel for what is within your budget.
Small Personal Loans
Jacaranda small personal loans start at $300 and go up to $2,500. They can be repaid over 12 months. Small personal loans are unsecured loans. No collateral has to be attached to the application. In general, small personal loans are the best easy cash option for smaller purchases or unexpected bills.
Medium Personal Loans
Our medium personal loans range between $2,500 and $4,600. Their repayment can be scheduled over a period of 13 to 24 months. Our medium personal loans are secured loans, therefore, security needs to be attached to the application. This can be in the form of any vehicle like a car, a boat, or a motorbike.
Large Personal Loans
Large personal loans start from $5,000 to $10,000 and their repayment periods range between 13 and 24 months. Just like medium personal loans, they are secured loans which implies that an asset such as a car or a motorbike needs to be attached.
|Loan type||Loan amount||Loan term|
|Unsecured||$300 to $2,000||9 to 12 months|
|Secured||$2,001 to $4,600||13 to 24 months|
|Secured||$5,000 to $10,000||13 to 24 months|
How does the application work?
Our easy online application is what makes our loans easy cash loans. You can receive your funds in three easy steps that won’t take much time. Most people submit their application within a few minutes and receive their outcome within the next hour (if they apply during our business hours). However, each case is different and sometimes, an application might take slightly longer.
Step one: Fill in your personal details.
Head to the top of this page and choose the right loan amount and repayment term. Click “Apply Now” and our online assistant will take you to the application form. We will ask for a few personal details but it shouldn’t take more than a few minutes.
Step two: We assess your finances.
Now our team gets to work: We use the newest and best safe banking technology to take a close look at your financial situation. While we also perform a credit check, we mostly care what your relationship with money looks like. We know every financial situation is different and we look at yours from all angles to get a good understanding. Thanks to technology, this process can take as little as 60-minutes for most people that apply during our business hours.
Step three: Receive your funds.
Once the assessment is done, we will get in touch with your outcome. If we can offer you a loan, congratulations! We will send your loan contract over for you to read thoroughly. After receiving it back, we will send your cash to your bank account. If your account is NPP enabled, the money may show up in as little as 60 seconds! In other cases, the time it takes for your funds to be transferred depends on your lender.
How do repayments work?
Transparency is very important to us. All costs and fees will be stated in your loan contract and we recommend you read it thoroughly before signing any documents. You will know exactly how much you have to repay at what time. But you won’t have to think about it! We will set up an automatic payment schedule that debits the right amount from your bank account at the set date. You won’t have to worry about it after the initial setup.
If your financial situation changes and you know you may miss a repayment, we ask you to get in touch as soon as possible. Open communication is key and we may be able to find a solution that works for both sides. If you don’t let us know, we may have to charge you the penalty fee stated in the contract.
Do you offer loans for people on Centrelink?
Yes, we do. It is our mission to offer easy cash loans to those who may need them the most. Centrelink payments often don’t allow a big buffer in your budget and an unexpected bill or a big event can put pressure onto you and your family. A small personal loan can lift that weight off your shoulders for a little while. We treat Centrelink payments just like any other income, so you’re welcome to apply. However, we advise that you have a look if you are eligible for Advance Payments first as it may be the better option.
Yes, you can. While some lenders may not give you a chance, we think everyone should have a fair go. And having a bad credit rating doesn’t necessarily reflect your relationship with money. Financial mistakes from up to 7 years ago can negatively affect today’s credit rating while you’ve moved on and completely changed your habits. We do perform a credit check but its outcome is not what’s really important to us. We assess your current relationship with money and rather look at your spending habits. If you are eligible to apply, we will do our best to find a personal loan that fits your circumstances.
Are you going to call my work?
We may check if the information you have provided is correct. But it’s no reason for concern. Our well-trained team takes your privacy very seriously. We won’t disclose any details about your loan or your financial situation to anyone.
Are you going to perform a credit check?
Yes, we will. But if you are worried because your credit history looks far from perfect, you can relax. We do offer loans to people with bad credit. Your credit rating may affect the interest rate we can offer, but we won’t punish you for financial mistakes you have made in the past. Instead, we want to look at your financial present and help you go into a brighter financial future with us!
Should I get a loan?
Before you apply for a loan, you should think twice if a loan is the best option for your situation. A small personal loan can provide short-term relief from financial stress but taking on debt should always be well thought through. If you feel worried about money or have a tight budget to work with, there are options to speak to a free financial counsellor.
Are you comfortable with your finances but don’t want to burn through your savings all at once? We recommend that you choose a repayment rate that you can comfortably afford with your current budget. If you want to work out repayments upfront, our loan calculator at the top of this page can help.
Where can I ask questions?
A whole lot of the questions you may have are answered in our FAQ section. We recommend you head over and have a look first. If you don’t find your question answered, no problem at all! Our friendly customer service team is here to help and happy to answer any questions you may have. You can send us a message any time through the contact page or speak to someone in person during our business hours on 1300 189 823.
Our business hours are:
Monday to Thursday: 8 am – 6 pm
Friday: 8 am – 4 pm
Saturday: 8 am -12 pm
Are you ready to apply? We are looking forward to hearing your story! Simply head over to the top of this page, choose the loan amount and repayment term and send us your application.