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Fast Personal Loans

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

Jacaranda Finance offers fast personal loans from $300 to $10,000 online.

Fast personal loans are offered to eligible applicants up to $10,000. Jacaranda Finance is Australia’s first lender to provide a 60-second loan payout; we specialise in fast loans.

Looking for the fastest personal loan in Australia?

If you have been searching for fast personal finance, Jacaranda Finance offers fast personal loans to eligible applicants up to $10,000. We are fast loan specialists; we delivered the first instant payout in Australia in which the recipient received their money ready to use within 60-seconds. 

Jacaranda Finance is 100% online. This means that we handle everything, from your application to your approval, completely online. This allows us to provide you with fast and simple service, without the barriers of brick and mortar financial service. 

What are quick personal loans?

Fast personal loans are personal loans that are processed and approved in a short timeframe. We offer fast personal loan approval to applicants that apply within our business hours; we endeavour to deliver an outcome within 60-minutes*. We offer quick cash loans from $300 to $10,000, 100% online. We offer three types of personal loans: small loans, medium secured loans and large secured loans. These are broken down in the following table:

Loan Type Security Option Loan Amount Repayment Options
Small loans Unsecured $300 to $2,000 12 months
Medium loans Secured $2,100 to $4,600 13 to 24 months
Large loans Secured $5,000 to $10,000 13 to 24 months

Our loan options are all subject to fees and charges which are broken down on our costs page.

What can I use an easy fast personal loan for?

We offer personal finance for a variety of reasons. If you are unsure whether you can apply for a personal loan with fast approval through Jacaranda Finance, these are some of the most common reasons people have applied for a loan through us:

How it works

Ready to apply online? Jacaranda Finance makes accessing short term finance easy with our simple online application form. Within minutes, you can apply for a quick personal loan for anything from a short holiday to a dental procedure. Our loan experts will endeavour to get back to you with a loan outcome within 60-minutes of submitting your application (if you apply within our business hours). If you are approved, we support instant transfers on approval. You could have your money ready to use within just 60-seconds**. We provide same day cash loans to eligible applicants that follow these steps:

Step 1: Apply online

Use our loan slider to select the amount you wish to borrow and your repayment terms.

Step 2: We assess your application

Our team of loan specialists will begin processing your application as soon as it is submitted. To ensure processing times are as fast as possible, ensure you supply all supporting documents required.

Step 3: Review and sign your contract

If your application is approved, our team will send you an electronic contract for you to read and sign. All terms and conditions of your loan will be clearly outlined in this agreement. 

Step 4: Receive your money

Once we have received your signed contract, our team will transfer your funds straight to your account. You could have them ready to use in as little as 60-seconds.


In compliance with our lending criteria, we have a few eligibility requirements all of our applicants must meet. To ensure your application can be processed, please confirm that you meet our eligibility criteria below:

  • You are at least 18 years old
  • You have had a consistent income into your bank account for the last 90 days
  • You are an Australian citizen or permanent resident
  • You have an active mobile number and email address
  • You have internet banking set up

We cannot approve loans to applicants that do not meet all of our eligibility criteria. 

Supporting documents

To streamline your application’s processing time, it may be beneficial to have all of your supporting documents readily available when you apply. These documents will include:

  • 100 points of identification
  • Your basic personal information (full name, date of birth, address etc.)
  • Your online banking details
  • Your myGov details (if you receive Centrelink benefits)
  • The reason for your loan

Personal loan fast with bad credit: does it exist?

Accessing a fast personal loan may seem impossible if you have bad credit. Jacaranda Finance makes this possible with our accessible approach to lending. Unlike traditional lenders like banks and credit unions, we are able to provide bad credit loans to eligible applicants. We conduct a thorough financial assessment using bank statements to ensure that a loan is manageable for you, even if you have bad credit. While we must still conduct a credit check in line with responsible lending guidelines set by ASIC, your credit score will not be the determining factor of your application.

All of our subjects are subject to a thorough, individual assessment by our loan experts. However, if you meet our eligibility criteria, we may be able to provide you with a bad credit loan.


Do you have questions about our fast personal loans? We have provided you with our most frequently asked questions and answers to hopefully provide you with the information you are looking for.

What are the fees associated with fast personal loans?

All of our fees and charges are subject to your individual circumstances. Each of our loan options accompany different fees, so the costs will vary depending on how much you wish to borrow. Additionally, if you have a poor credit score, you will likely be offered a higher interest rate. 

How fast can I expect an outcome on my loan application?

We endeavour to provide you with an outcome as fast as possible. We often deliver loan outcomes within 60-minutes (if you apply within our business hours), however, all of our loans are subject to assessment. Processing times may vary depending on your individual circumstances.

Can I get a fast personal loan on Centrelink?

We consider most forms of Centrelink as regular income. If you have been receiving your Centrelink benefits for at least 90 days and meet the rest of our eligibility criteria, we may be able to provide you with a personal loan.

How do I repay my loan?

Our team will set up a direct debit in line with your current pay cycle. This is so that as soon as there is sufficient money in your account, your loan repayment will automatically be deducted. Once your loan has been repaid, the direct debits will stop.

What if I miss a repayment?

If you miss a repayment on your loan, there will be a charge added to the balance of your loan. This possible fee will be clearly outlined in the terms and conditions of your loan contract. If you know that you are going to miss a repayment, please contact our customer service team at least 24 hours prior; we will try to find a solution that suits you.

Fast finance options

If you are in need of emergency cash immediately or are just considering ways to increase your cash flow in general, you may wish to consider the following options:

Sell spare electronics

If you have old phones or computers lying around, you may wish to consider selling these online. Depending on the brand you own, you may be able to get hundreds of dollars for your items. 

Sell unused gift cards

If you need cash, you may be able to sell your unused gift cards online for the amount they are worth. For example, you may be able to sell an old Westfield gift card worth $50 for $50 cash.

Request a payroll advance

Some employers offer payroll advances to employees that are in crisis. You may be able to ask your employer whether they can pay you an advance on your wage to repay from your later payments. 

Rent out a room

If you have a spare room in your house, you may choose to permanently tenant or rent out the room via Airbnb. Renting out the room to a tenant is a longer-term option; this secures a source of income for the span of the lease. If you choose to rent the room via Airbnb, you can choose the times you wish for people to stay and for how long.

Become a delivery driver

If you have a job during the day, it may be possible to moonlight as a delivery driver a few nights per week. Whether this is on a car or a bike, it may be an effective way to get a more generous cash flow.

Reviews don’t lie 🌟

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.