Home > Need Emergency Cash Immediately? Turn to Jacaranda
Need Emergency Cash Immediately? Turn to Jacaranda
Personal Loans up to $10,000
Money in your bank account and ready to use in 60 seconds once approved*(1)
Emergency Cash Loans When The Unexpected Happens
Need emergency cash immediately? We have you covered. Jacaranda Finance provides personal loans between $300 and $10,000 for a variety of expenses. We understand that during an emergency situation, the last thing you need to worry about is money. We make applying for a personal loan simple and easy – our 100% online application can be completed in just a few minutes, and we will do our best to get back to you within one hour.
If your application is approved and your contract is signed within our business hours, we will transfer the funds straight to your bank account. Most people receive their funds within 60 seconds of signing their contract.
Types of Emergencies
Not sure what exactly classifies as an ‘emergency’? Below we’ve provided a few examples of the types of emergencies that could warrant a personal loan.
- Medical expenses
- Unexpected bills or expenses
- Car repairs
- Vet bills
- Funeral costs
- Home repairs or damage
- Broken appliances
- Emergency trips
What loans do we offer?
Jacaranda provides 3 types of personal loan options. These are:
| Loan Type | Secured Options | Loan amount | Loan term |
| Small Loan | Unsecured | $300 to $2,000 | 12 months |
| Medium Loan | Secured | $2,100 to $4,600 | 13 to 24 months |
| Large Loan | Secured | $5,000 to $10,000 | 13 to 24 months |
Who is eligible for emergency cash immediately?
To qualify for one of our quick cash loans, applicants at a minimum, must:
- Be 18 years or older
- Be an Australian citizen or permanent resident
- Have received a consistent income for at least 3 months prior to applying
- Have an active mobile number and email address
- Have internet banking be set up.
What Documents Will I Need To Provide?
When you submit an application, you’ll be required to submit the following information:
- Personal details like your online banking & employment info
- An active email address and mobile number
- The reason you are applying for the loan
- Your MyGov details (if you are receiving Centrelink payments)
- Employer and contact details
What About Bad Credit?
Bad credit; a phrase that strikes fear into the hearts of many. Jacaranda will give you the fair go you deserve. We won’t assess your application purely on the basis of a credit check. Jacaranda will conduct a credit check when you submit an application; this is a part of our commitment to responsible lending.
Whether you have good credit or bad credit, we will always take a realistic look at your finances. We partner with bank statements service, Crefin, to access a screenshot of your bank statements. We do this to verify your income and get an overview of your current finances. If we can see that you’ll be able to comfortably afford the loan repayments, then you’ll have a greater chance of approval.
Responsible Lending
Responsible lending is essentially our commitment to doing the right thing by our clients. At Jacaranda, we want to promote financial health and wellbeing. We don’t want to see our applicants in debt. So, we’ll never lend anyone an amount of cash that we do not believe they can comfortably repay.
If you don’t think you’ll be able to make a repayment on your loan then we encourage you to get in touch. At Jacaranda, we’ll do our best to help you, wherever possible, to manage your loan.
Emergency Cash Immediately: Ready To Apply?
If you’re ready to apply for a personal loan with Jacaranda then you’ll be pleased to know it couldn’t be simpler. Follow the simple steps below:
Step 1
To get started, click the ‘Apply Now’ button at the top of this page which will take you to our application form.
Step 2
Our 100% online application form could only take a few minutes to complete. Once you’ve completed it, our assessment team will get to work.
Step 3
If your application has been successful, our team will send over your contract. We recommend you read through your agreement carefully and make yourself aware of any fees or charges that could incur for late or failed payments. When you’re happy, sign your contract and send it back to us.
Step 4
Once we receive your signed agreement, we’ll transfer the cash straight to your bank account.
Frequently Asked Questions about emergency cash loans
Below we’ve provided answers to some of the most common questions we get about our emergency cash loans. For further details visit our FAQ page or contact us.
What are the fees and charges? We provide fixed rate personal loans with an interest rate starting from 7.59% (secured loans) and a comparison rate of 12.24%. This rate is based on a customer with an excellent credit history, so it may vary depending on your circumstances. If you have further questions about our fees and charges, check out our personal loans interest rates page.
How much can I borrow? Our personal loans range from $300 to $10,000 with repayment terms varying between 12 and 24 months (depending on how much you apply for. You can use our personal loan calculator to estimate your repayments on a weekly, fortnightly and monthly basis.
How long does it take to get the money? Most people complete their application in under 10 minutes. If you apply during our business hours, our team will endeavour to get back to you 60 minutes. If approved, we’ll transfer the funds straight to you. Most people receive their funds in 60 seconds.*
Do you conduct credit checks? As a part of our commitment to responsible lending, we conduct a credit check on every application we receive. While we cannot provide emergency loans with no credit check, there is no need to stress – we will always take more than just your credit score into account. We will look at your financial situation holistically and our outcome will be based on your current finances, not your past. So if you have bad credit, we can look past it. Apply for a bad credit loan today.