Home > Emergency Cash Loans For Life’s Biggest Hurdles!
Emergency Cash Loans For Life’s Biggest Hurdles!
Need help with an emergency?
An unexpected situation or expense is the last thing that any of us want. Whether a surprise bill shows up at your door or your car breaks down, we know just how expensive these emergencies can be! The truth is, no one can anticipate a financial emergency. So when one occurs, and you don’t have the funds to cover it, who do you turn to? This is where Jacaranda’s emergency cash loans can come into play.
Our personal loans are designed for when these nasty incidents pop up out of the woodwork. Our loans are 100% online, paperless and quick – all the ingredients for when you need money fast! Read on to find out more.
Who are we?
Before we delve further into emergency loans, we thought we’d introduce ourselves first. We’re Jacaranda Finance, an award-winning lender more Aussies are turning to for a reliable and affordable loan service. Unlike a payday loan or cash advance, our personal loans have flexible repayment periods that give you some breathing room, saving you the stress of having to gather funds to repay your loan immediately.
When you apply with us, our aim is not to exploit you, but instead, help you move forward with your life. We are well aware of the stigma associated with our industry. That’s why Jacaranda is here to change that for the better. We’ll use honesty, transparency and great service to prove that we are the right lender for you.
Emergency loans FAQ
What are emergency cash loans?
Emergency cash loans are personal loans provided for a specific need. What’s that? You guessed it – financial emergencies! Financial emergencies are definitely not a fun topic to talk about, but the fact is that most if not all people will experience them at some point in their lives. Unfortunately, these emergencies can occur when you’re not exactly flushed with cash.
Emergency loans, however, can provide that much-needed leg up, so you can get your life back on track. Jacaranda Finance can approve personal loans for emergencies. Not only that, but we can give you an outcome in 60 minutes!* We understand that when you need money for an emergency, you need it fast!
Am I eligible for an emergency cash loan?
We have a list of eligibility criteria that you’ll need to meet before you apply. To be eligible you need to:
– Be 18 years or older;
– Be an Australian Citizen or Permanent Resident;
– Receiving a regular income into a personal bank account for the last 3 months;
– Have an active Australian mobile number and email address;
– Have internet banking set up.
If you meet this criteria, then you’re eligible to apply for an emergency cash loan! Simply scroll to the top of this page to get the ball rolling on your application.
What documents will I need to supply?
Our application process is super simple and quick! That means no unnecessary documents and paper forms. Just a few important – personal and financial details such as:
– Personal info (name, D.O.B etc);
– The reason for your loan;
– Internet banking details;
– Your MyGov details (if you receive Centrelink benefits);
– Employment details and employer contact info.
Can I get an emergency cash loan if I’m on Centrelink?
Yes! You may be eligible. Jacaranda does approve emergency cash loans for people receiving Centrelink. Although Centrelink is usually a red flag for traditional lenders like banks and credit unions, Jacaranda prefers to have a more modern approach.
Our team will immediately assess your application and do their best to match you with a personal loan that suits your financial situation. This doesn’t mean you’re guaranteed to get a loan. However, we can guarantee we will always give you a fair and just assessment.
Can I get a loan if I have bad credit?
At Jacaranda, we believe having a bad credit score (usually below 600) shouldn’t mean you have to endure financial stress. We focus on the bigger picture. Our promise to you is to not let your past economic habits haunt you. We’ve provided thousands of Aussies from all walks of life with bad credit loans. We’ll put more focus on your current finances to see how you’re going to repay the loan.
Do you do credit checks on emergency loans?
Yes, we do. As responsible lenders, we always conduct credit checks on eligible loan applicants. However, don’t let this deter you from applying for our emergency loans, as we look at other criteria as well. We are firm believers that your credit history isn’t the be-all and end-all for deciding whether we lend to you or not. After all, history is just that, history!
Whilst, we don’t offer emergency cash loans with no credit check, we look at more than just your credit score. We look at your current relationship with money as well. Remember, we’re human and understand that sometimes things happen that are out of your control. That’s why we view a read-only copy of your bank statements to view your current relationship with money.
Can I get emergency cash loans 24/7?
You can apply for an emergency cash loan 24 hours a day, 7 days a week at Jacaranda Finance. We endeavour to get an outcome to you as quickly as possible. If you are in need of quick cash and are looking for an online lender, give Jacaranda a try. Click the apply button above to get started!
How can I repay my loan?
Repaying your loan couldn’t be easier!
If your quick cash loans application is approved, we’ll get in touch with you. With Jacaranda, our repayments work by setting up a direct debit, so that your repayments will come out of your account automatically. We will ask you to select a day to deduct repayments. They can be set up to come out of your account on a weekly, fortnightly or monthly basis – it is entirely up to you which day you choose.
We recommend setting it up so that your repayments fall on the same day as your payday. Selecting the right payment structure ensures that you always have enough money in your account.
What if I can’t make one of my repayments?
Sometimes things happen that can affect your ability to make your repayments successfully. If this happens, let us know ASAP. The sooner we know that you’re having trouble paying back your loan, the quicker we can find you a solution.
We require at least 24 hours notice to amend your upcoming payments. Not only can we adjust your future repayments to a more manageable amount, but this will stop you any incurring dishonour fees. We’re human too, and we understand that sometimes, these things do happen.
How do I apply for an emergency cash loan?
Step one: Apply online
Firstly, scroll up to the top of this page to our loan calculator. Using the slider, select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’
Next, you’ll be taken to our 100% online application form. Here you’ll be asked for personal and financial details. This step usually only takes most people a couple of minutes to complete. When you’re done, simply hit ‘Submit.’
Step two: We’ll assess you
That’s it from you! We’ll take over from here. Once we’ve received your application, our team of loan specialists will get to work assessing it. If you apply during our regular business hours, then you could receive an outcome in as little as 60 minutes!
Step three: Review and sign your contract
If the Jacaranda team approves you for a loan, congratulations! We’ll then send you an electronic copy of your loan contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!
Step four: Get your cash!
Once we’ve received your signed copy of your contract, a member of our team will transfer your cash. If you have an NPP-enabled bank account, then you could have your funds in your account and ready to use in 60 seconds!
What loans does Jacaranda offer?
We’re glad you asked! Jacaranda can offer 3 types of personal loans. We’ve listed these in the table below:
|Loan Type||Secured Options||Loan amount||Loan term|
|Small Loan||Unsecured||$300 to $2,000||12 months|
|Medium Loan||Secured||$2100 to $4,600||13 to 24 months|
|Large Loan||Secured||$5,000 to $10,000||13 to 24 months|
If you’re curious about our interest rates and fees, head to our costs page for more info.
Why choose Jacaranda?
Now that you’ve stumbled across our emergency cash loans product page, let us fill you in on a few of the reasons that make Jacaranda one of the best lenders on the market.
Online based service and application
Not only are we 100% online, meaning no messy paperwork, but you don’t even have to leave the house to submit an application. You can apply from any device (smartphone, tablet, laptop) at any time of the day from the comfort of your own home.
It’s our aim to give everyone the fair go they deserve, but we can’t just lend to anyone. Jacaranda adheres to responsible lending guidelines. This means we conduct a full financial assessment of every application we receive, including a credit check on eligible applicants. We do this to ensure you can manage the loan you’ve applied for. After all, we want to assist you financially, not make you worse off!
We are well aware of the stigma attached to our industry and that’s why we use honesty, transparency and damn good service to prove that we are not like your typical short term lender. We’ll ensure you have all the information available to you before you commit to a loan. That includes fees, interest rate, repayment amounts and frequency etc. We also don’t charge a processing fee for submitting an application and we certainly won’t charge you an early settlement fee if you decide to pay off your loan early.
Is a personal loan right for me?
Personal loans can be a great short term solution for your cash flow problems. Whether you need money for medical treatment, to cover the cost of a car accident or to renovate your home, personal loans can give you quick access to funds. But depending on your financial situation, a personal loan might do you more harm than good. Before you commit to a loan, you should check out the following tips on whether or not a personal loan is right for you. If you can comfortably say yes to the following questions, then applying for a loan is probably a viable option for you.
- Are you confident with your cash flow? Before you apply for a personal loan, you should look at your bank statements to see what money is coming in and what’s going out. If you find yourself with only $10 to $20 after you pay your expenses, loan repayments might overcommit you or leave you with nothing.
- Are you determined? Having the willpower to save cash can be very helpful. This way you might be able to pay off your loan early and save money on interest. Having an emergency savings account is a great way to put away money for a rainy day. Adding to this account as much as possible is key to building your wealth.
- Are you a good researcher? When searching for a personal loan, it’s a good idea to shop around to find the deal and terms for your financial circumstances. You need to consider interest rates, fees and charges, and the repayment term. This also means you hopefully won’t have to submit too many applications. Applying for a loan creates a hard inquiry on your credit report and too many hard inquiries will reflect negatively on your credit score.
- Are you patient? These days, you can tap a card and walk away with bags of expensive goodies. However, working hard and being frugal for a few months is a great way to save a bit of extra coin. If you want to purchase a new car, it may be a good idea to wait until you have a bit of cash saved up, rather than borrowing for the whole amount.
Ready to apply?
If you’ve experienced some sort of financial emergency and don’t have the cash to cover the costs, Jacaranda can lend a hand. Our affordable lending options are incredibly quick and easy to apply for. Don’t wait days for an outcome only to be rejected, scroll up to the top of this page and submit an application with us!
Find out more
Have we answered all your questions regarding emergency cash loans? For a little more information on emergency fast loans, check out the Moneysmart website. If you still have more questions, please don’t hesitate to get in touch with our customer service team.
Like what you’re reading? Find out about how you could apply for an online loan fast approval.
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*If you apply during business hours and we don’t require any additional information from you