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Emergency Loans For Bad Credit

Emergency Loans For Bad Credit
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

Are You Looking For Emergency Loans For Bad Credit? Jacaranda Has You Covered.

Emergency loans for bad credit, what are they and how do they work? At Jacaranda, we’re here to smash the stereotypes when it comes to bad credit. Our team believes that everyone deserves a fair go when it comes to a personal loan. We’re here to help you get the cash you need when you need it. Jacaranda Finance doesn’t believe in lengthy approval processes. We make it simple so you could get your cash in a matter of minutes.

What Are Emergency Loans For Bad Credit?

The term emergency loans for bad credit can be confusing. What does it actually mean? Bad credit loans are for people with subpar credit scores. If you’ve ever attempted approval from a traditional lender then you probably already know that most of them don’t look on poor credit kindly. In most cases, your application will be declined if your credit score is less than satisfactory.

At Jacaranda, we are changing the game. Yes, we do conduct credit score checks. As a part of our commitment to responsible lending, it is a requirement that we check all credit scores. You can rest easy, however, our team will look at a variety of other factors while assessing your loan.

Who Are We: Jacaranda Finance

Jacaranda Finance is your local lender. We’ve changed the online lending game for good. Our team are here to make life easier for you. As a result, we think fair and affordable personal loans should be available to all Aussies. We do our best to conduct a thorough assessment so you get the best chance possible at approval on your personal loan application. At Jacaranda, we don’t mess around.

Our team believes in 100% transparency. That means if we can’t find you an appropriate loan product we’ll be honest with you. If we can, however, match you with a personal loan then we’ll make it happen quick smart. If you submit an application during AEST business hours, our team will do their best to get back to you in 60 minutes. With the introduction of instant banking you could even have your cash in just 60 seconds.

100% Online

Are you tired of waiting around at the bank? No time to waste in a line that takes hours? If you’re looking for urgent cash loans bad credit, look no further! Jacaranda is 100% online – and by 100% online we really do mean 100% online! Our entire process, from application to approval, is conducted entirely online. So, you could even apply for a personal loan from the comfort of your living room.

Our team won’t hassle you with unnecessary questions or ask you to complete pages of monotonous forms. At Jacaranda, we cut straight to the chase. Once you submit your application, our team will start their assessment. If you apply during AEST business hours, we’ll do our best to get back to you in just 60 minutes. Our team are always here to help. You can get in touch whenever you like and we’ll do our best to get back to you as soon as possible.

What If I’m Receiving Centrelink?

Have you been wondering ‘could I get an emergency cash loans no credit check Centrelink’? Or maybe you’re between jobs and wondering ‘am I eligible for emergency cash loans bad credit unemployed’? At Jacaranda, we do our best to provide all Aussies with a fair go at a personal loan. So, if you are receiving Centrelink we still encourage you to apply for a personal loan.

It is important to remember that every financial situation is different. So, we can’t give a direct ‘yes’ or ‘no’ answer as to approval without properly assessing your application. Our team will need to look at what percentage of your income is derived from Centrelink and a number of other factors. The good news is, an application won’t cost you anything. Our team will do their best to look deeper than just your credit score and Centrelink payments in order to determine whether or not you will be able to comfortably repay the loan. So, if you’ve been considering submitting an application, our team says go for it!

Who Is Eligible?

Like what you hear? Keen to find out if you could apply for our emergency loans for bad credit? The good news is, we like to keep things pretty simple. At Jacaranda, we don’t believe in lengthy forms or applications that take days to complete. If you can say ‘yes’ to the following then you could scroll up and apply for emergency cash loans bad credit right now.

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90 days into a bank account that is your own;
  • Applicants must have an active mobile phone number and email address that we can contact you on;
  • Internet banking must be set up.


At Jacaranda, we’ll only ask you to provide the necessary documents. We deal with the basics. Our application form could only take you a matter of minutes to complete and it’s 100% online. Here is what you’ll need to provide us with:

  • 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.

Employment Checks

At Jacaranda, we are committed to responsible lending. That means we will always do the right thing by you. Our team do conduct employment checks when you submit an application for an emergency loan for bad credit. There is no need to stress, however, this is just a routine part of our assessment.

Our team is very experienced. That means we will be discreet when we contact your workplace. None of your personal information will ever be disclosed – that includes the reason why you are applying for a personal loan. If you’ve got any questions regarding Jacaranda’s process for employment checks, don’t be afraid to get in touch. We are here to help!

Online Banking

Are you wondering why Jacaranda might ask for your online banking details? Well, let us explain. Online banking details give our team access to read-only copies of your bank statements – no, we won’t be accessing your real bank account. Jacaranda uses your bank statements to get a better idea of spending habits, regular transactions and pre-existing financial commitments. All of these factors allow our team a better idea of your current financial situation and allow us to conduct a thorough assessment.

If you are applying for an emergency money loan bad credit then providing your bank statements could actually work in your favour. If we can see that you have tried to reconcile your finances you could be approved for an emergency loan for bad credit. Should you have questions regarding online banking our team are here to help, so just get in touch.

No Hidden Fees Or Charges

Have you been caught out with hidden fees or charges in the past? Well, you’ll be pleased to know, at Jacaranda we are upfront and honest. We believe in honesty and transparency. That means any possible fees or charges that could incur will be clearly outlined in your agreement. If you’re unsure, our team are here to help. We encourage you to look through your contract and get back to us with any questions you may have regarding your contract.

If you have applied for a personal loan with Jacaranda Finances then you’ll be pleased to know that what you see is what you get. If you’re planning on applying for small emergency loans for bad credit then you’ll be pleased to know that we pride ourselves on being the lender that Aussies can trust.

What loans do we offer?

Jacaranda can offer 3 types of personal loans. We’ve listed these below:

Loan TypeSecured OptionsLoan amountLoan term
Small LoanUnsecured$300 to $2,00012 months
Medium LoanSecured$2,001 to $4,60013 to 24 months
Large LoanSecured$5,000 to $10,00013 to 24 months

What Could I Use My Loan For?

If you’re planning on submitting an application for an emergency loan for bad credit then here are some reasons you could site on your application:

Vet Bills

Is your best mate a little under the weather? If you’ve been hit with an unexpected vet bill and panic is starting to set, there’s no need to stress. You could jump online and submit an application for emergency loans for bad credit with Jacaranda in a matter of minutes. Our team make the process super simple. An application could take you a matter of minutes to complete. If you apply during AEST business hours, our team will do their best to get back to you with an outcome in just 60 minutes.

Medical Expenses

Medical expenses can be pricey, especially if you don’t have private health insurance. The last thing you want to think about when you’re unwell is cash. At Jacaranda, we help Aussies in need. You could apply for emergency loans for bad credit between $300 and $10,000 today. A poor credit score no longer has to stand in your way. Our team will do their best to look deeper in order to give you the best chance at approval. So, don’t let money get you down when you’re not feeling your best. Scroll up and apply for emergency money loans bad credit today.

Renovation Costs

Has something gone wrong at your place? Maybe the plumbing has burst and you need some quick cash to call in the experts. Whatever the problem, why go it alone? Jacaranda is here to help when times get tough. You could apply for emergency loans for bad credit today. At Jacaranda, we are taking a fresh approach to lending. Our team prefers to focus on how you are going to repay your loan – after all, that is the most important part. We look at factors like income, spending habits and pre-existing financial commitments during our assessment so you get the best chance possible at approval. The Jacaranda team is here to lend a helping hand. So, why not scroll up and use our loan calculator to see what your repayments could be on an emergency cash loan bad credit.

Our Customers

At Jacaranda Finance, we are focused on providing the best possible service for our customers. Our team is committed to responsible lending. That means we will never lend our clients money that we do not believe they will be able to repay. We are committed to doing what is right for you and, due to this, Jacaranda does not promise approval for every applicant. We want to see our clients on the road to financial freedom, not in more debt. Our team will work with you to achieve the best possible outcome. When you apply with Jacaranda you can rest easy in the knowledge that our we are a reputable and responsible lender.

Apply Today!

Like what you hear? Need emergency cash bad credit? The good news is the application process couldn’t be easier. Here’s how you could get started today:

Step 1

Simply scroll up to the top of the page and use our loan calculator to select your desired loan amount and repayment period. When you’re happy, just hit ‘apply now’.

Step 2

If you’ve chosen to proceed with an application, you’ll be directed straight to our 100% online application form. This could only take you a couple of minutes to complete. When you’ve finished our team will start the assessment. All you need to do is sit back and relax. If you’ve applied during AEST business hours, we’ll do our best to get back to you with an outcome in 60 minutes.

Step 3

If your application is successful a member of our team will be in touch. We’ll send over a loan contract for you to review and sign. The Jacaranda team recommends you read over your contact and make sure you’re aware of any fees or charges that could incur for late or failed payment. When you’re happy, just sign your contract and send it back to us. We’re here to help. So, if you’ve got questions just get in touch!

Step 4

Once our team receives your signed contract we’ll transfer the cash straight to your account. If your bank supports instant transfer then you could have the cash in just 60 seconds, if not, the money will hit your account in the next round of banking.

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.

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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.