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Instant Cash Loans in Australia with No Credit Check

Instant Cash Loans in Australia with No Credit Check

Looking for no credit check loans? 

Searching for ‘instant cash loans no credit check Australia’? Need cash to cover a financial emergency, fast? Got a bad credit score? You’ve come to the right place! Whether you need instant cash to cover the cost of car repairs, your dream wedding, or expensive medical bills, Jacaranda might be able to lend you a hand. 

While we won’t claim to offer ‘instant cash loans no credit check Australia’, we are pretty fast when it comes to offering personal loans. With Jacaranda, applying for a loan doesn’t have to take days with our quick, easy-to-use and 100% online application form. In fact, after you submit an application, you could receive an outcome in just 60 minutes* and, if approved, receive the cash you need in under a minute*. We did say we were fast! 

Jacaranda Finance

Jacaranda Finance is an online lender offering one of the fastest lending services in the country. We pride ourselves on being able to provide loans to those who haven’t had much luck with traditional lenders!

What do you think of when you imagine applying for a loan? Having to rejig your schedule to fit in an appointment, filling out a bunch of paperwork, and standing in line just to see someone to talk about your application. All that waiting and work for what could potentially end in a “Sorry, but no.” Why waste your time?

With Jacaranda Finance, you can skip this entire tedious process. We’ve done away with all that time-wasting and replaced it with a super simple application. Depending on your bank and when you apply, you could have money in your account before the end of the day. Sound good? We think so.

So, if you’re interested in getting fast cash without the hassle, apply with Jacaranda Finance!


We know you probably have several questions about our personal loans. Below, we’ve done our best to answer as many of them as possible.

What is an instant cash loan?

Instant cash loans (also called ‘quick loans’ or ‘fast loans’) are generally personal loans that are approved within minutes of applying. Typically, the funds are then transferred instantly on approval. Often, applying with traditional banks and lenders requires more paperwork. As a result, it can take weeks to get an outcome on a personal loan. Yet, with instant cash loans, customers can receive their cash within seconds instead of days. 

As a responsible lender, Jacaranda can’t guarantee instant approval on personal loans. We can, however, provide instant transfers should you be approved for a loan with us!*

What are no credit check loans?

As the name suggests, no credit check loans are a type of personal loan that you can apply for and won’t have your credit history viewed or considered. Lenders who offer these types of loans will not request a credit report from credit bureau’s such as Illion, Equifax or Experian. The details of these loans will still be listed on your credit file, however. 

There are certain benefits to this. For example, if you have a poor credit score, then you may have a greater chance of gaining approval. Instead of looking at your credit score, the lender will focus more on your current finances to see if you can afford the repayments on a loan. 

How can I borrow money fast?

We understand that if you’re searching for ‘instant cash loans no credit check Australia’, it’s likely you need to borrow money quickly. While we can’t promise an ‘instant cash loan’ as we can’t guarantee ‘instant approval’, we’re pretty fast when it comes to personal loan outcomes. For most of our customers, it only takes a few minutes to complete our application and, if you apply during business hours, we could have an outcome for you in just 60 minutes.*

Do you offer instant cash loans no credit check Australia?

As a responsible lender, we can’t provide ‘instant cash loans no credit check Australia’ as we can’t guarantee instant approval and no credit checks. However, your credit score isn’t the be-all and end-all. At Jacaranda, we understand that your financial history is just that, history. Instead, we prefer to get a better understanding of your current financial circumstances to determine if you’ll be able to repay the loan.

Is it possible to get a loan with no credit check? 

If a lender claims to offer no credit check loans, then they are not following responsible lending guidelines. However it is possible to get a loan where your income and employment are used as a primary method of determining if you can borrow. 

Jacaranda Finance is one of these lenders that will put more focus on your current finances than your credit score when assessing your application. Although we will conduct a credit check on every eligible applicant, we can still provide fast cash loans for those with bad credit. These loans range between $300 to $10,000 and feature repayment periods from 12 to 24 months (depending on the amount you apply for). 

Can I get a guaranteed loan 

No loan is ever guaranteed. If you see a lender promising guaranteed approval, you shouldn’t apply. Legitimate lenders offering loans with no credit checks still need to check you will be able to repay the loan. Your income, employment, bank statements will be good indicators on whether or not you can afford the loan repayments. 

If you need a loan but are concerned your credit report will hold you back, you have the option of applying for a bad credit loan. Although we can’t guarantee approval, Jacaranda Finance can be more lenient with our assessment process than traditional lenders like banks. 

What are instant cash loans Australia?

A lot of the time, when you need a loan, you need it fast! The prospect of instant cash loans Australia no credit check sounds perfect. Unfortunately, even a speedy online lender like Jacaranda Finance can’t deliver funds instantly. However, we can provide quick cash loans!

If you’ve got bad credit, instant cash loans Australia no credit check aren’t the only way that you’ll ever be able to access a loan. 

Applying for a personal loan with Jacaranda is quick and easy. You can complete your application in less than 10 minutes and if you apply during business hours, you could get your outcome in just 60 minutes. The best part? If you’re approved, you could have the cash transferred into your account in 60 seconds or less**. We think that’s as close as you’ll get to instant cash loans Australia. 

How much can I borrow?

It’s up to you! Here at Jacaranda, we offer personal loans ranging from $300 up to $10,000 for a variety of different reasons. Whether your loan is secured or unsecured is dependent on how much you borrow and how long your repayment schedule is. 

Do you conduct credit score checks?

If you’re searching for loans with no credit check, you might be worried about your credit score. While we conduct credit score checks as part of our assessment process, we take a different approach to your credit history. We prefer to get a better understanding of your finances by looking at your income, bank statements, and financial commitments rather than just your score.

Are no credit check loans safe?

There are a variety of no credit check loans. You may be offered a no credit check loan in the form of a personal loan, or a payday loan. However, if lenders offer no credit check loans, then they’re not following the responsible lending guidelines set by ASIC. This means that these lenders might also be acting predatory. 

At Jacaranda, we conduct credit checks as part of our commitment to responsible lending. However, you don’t have to worry, we generally put more focus on other factors to determine if a loan is right for you. So, even if you do have bad credit, Jacaranda may be able to help you borrow money when you need it most!

Can I apply if I’m receiving Centrelink payments?

You sure can! As part of our eligibility requirements, we ask that you have been receiving an income into a personal bank account for at least the past 90 days. If you’re receiving Centrelink payments as either part of or all of your income, you still meet this criterion!

If you’re receiving Centrelink payments, you might find yourself in a position where some extra cash could help you out. Centrelink itself does offer advance payments, but if you’re looking for a fast personal loan then Jacaranda Finance may be able to help! Simply check if you qualify, submit an application form and let us do the rest!

What can I use my instant loan for? 

Although Jacaranda can’t provide instant cash loans with no credit check, we could offer a fast cash loan that could be used for a variety of reasons. Below we’ve listed just a few examples of the things that people use their loan for.

How do repayments work? 

If you thought our application process was simple, just wait until you find out about our repayment system! We’ll set up day to withdraw funds on either a weekly, fortnightly or monthly basis but we’ll usually just align repayments with your payday. 

On the selected day, we’ll set up a direct debit that will last for the duration of your loan term. This means that when this day rolls around, each repayment will automatically come out of your account without you having to lift a finger. Once the repayment period is over, the direct debits will stop automatically. You can even pay out your loan early if you want to for no additional cost.

What if I can’t make a repayment? 

We understand that life doesn’t always go to plan. If you’re worried you might miss a repayment, let us know as soon as possible. Please note that you will need to give us 24 hours notice before your next repayment as this makes it easier for us to work out a suitable solution for everyone.

What is bad credit? 

So, what exactly is bad credit, and how do you get it? Bad credit is most often the result of late payments or payment defaults on loans or other credit accounts. This is then recorded on your credit report as negative information, which in turn brings your credit score down. It’s not just recent defaults that are taken into account. Some negative credit information can remain on your report for up to 7 years. That means that a mistake from years ago could still be affecting your ability to access a loan!

Do I have a bad credit score? 

In Australia, there are three credit reporting agencies. These are Experian, Illion and Equifax. Your credit score may vary between each of these bureau’s as they have different credit rating scales. Below, we’ve provided a breakdown of what your credit score means for both Equifax and Experian. 

Credit BandExperianEquifax
Very Good700-799726-832
Below Average0-5490-509

How do I apply? 

Although Jacaranda cannot provide no credit check loans, you could apply for a personal loan up to $10,000. To apply, you’ll need to follow these 3 simple steps:

Step 1: Apply online

To begin your application, scroll up to the top of this page. Using the slider, select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’ You’ll then be taken to our 100% online application form.  Here, you’ll need to provide some personal and financial details. When you’ve filled out all the required fields, hit ‘Submit.’

Step 2: We’ll Assess you

Next, our team of loan specialists will assess your application. Once they’ve made a decision on whether or not you’ve been approved, they’ll let you know straight away. If you apply during AEST business hours, then you could get your outcome in just 60 minutes. It might not be instant loans Australia, but it sure is close! 

Step 3: Get your cash

If you’ve been approved for a loan, then we’ll send over a loan contract for you to review. Once you’re happy with the terms, simply e-sign and we’ll receive it straight back. We’ll then send your cash almost immediately. If you have an NPP enabled bank account then you could have the cash in your account and ready to use within 60 seconds of signing your contract. 

Types of Jacaranda loans

Jacaranda offers three types of personal loans. Unfortunately, none of these can be labelled as no credit check loans. However, you can apply for small, medium and large bad credit loans. The table below gives a more in-depth view of each of these three loans. 

Loan TypeSecured OptionsLoan amountLoan term
Small LoanUnsecured$300 to $2,00012 months
Medium LoanSecured$2100 to $4,60013 to 24 months
Large LoanSecured$5,000 to $10,00013 to 24 months

Who is eligible to apply with Jacaranda

Jacaranda does not claim to provide instant cash loans Australia no credit check, but we could provide you with a bad credit loan. To be eligible, you must:

  • Be 18  years or older
  • Be an Australian citizen or permanent resident
  • Have a consistent income into a personal bank account for 3 months prior to applying
  • Have a mobile number and email address
  • Have internet banking set up

What documents will I need to provide? 

When completing your application, you’ll be asked for the following information and documentation: 

  • Personal details (i.e. Name, Address, DOB);
  • Your phone number and email address;
  • The reason for your loan;
  • myGov details (if you receive Centrelink benefits);
  • Online banking and employment info.

Instant cash loan options

Jacaranda Finance is a reputable online lender that has provided thousands of Aussies with personal loans and car loans since 2013. If you’re looking for any of the following loan products, then we may be able to help. Despite not offering these exact loans, we may be able to find you a suitable alternative: 

Instant cash loans Australia no credit checkPayday loans no credit checks
Cash loans no credit check fast approvalNo credit check loans guaranteed Australia
Emergency cash loans no credit checkSmall loans no credit check
Personal loans online instant approval no credit checkShort term loans Australia no credit checks
Loan no credit check instant decision AustraliaLoans ASAP no credit check 
Instant cash loans without credit check CentrelinkCash loans no credit check
Payday loans no credit checks CentrelinkFast cash loans no credit check 

How can I improve my credit score? 

If you’ve got a less than perfect credit score, you might’ve been Googling ‘instant cash loans no credit check’ and hoping for the best. You’ll find that most lenders have to conduct a credit check as a part of their assessment. Fortunately, there are things you can do to improve your credit score. Keep note, that there’s no real ‘quick fix’ to improving your credit score. Implementing the following tips won’t improve your credit score overnight, but over time it will increase. 

Tips for improving your credit score

  1. Only apply for credit when you need it: This may seem a bit obvious, but applying for too many loans can have an impact on your credit score, whether you’re approved or not. This is because applying for a loan or credit will create a hard inquiry on your credit report. Several hard inquiries will subsequently cause your credit score to drop. 
  2. Pay your bills on time: We cannot stress this enough! When you apply for a loan, lenders will want to see your reliability at repaying your bills as this is generally a good indicator of future performance. Also, paying your bills late is a factor that can, and most likely will damage your credit score. If you’ve been struggling to pay your bills on time, you can contact your utilities provider and ask for ‘bill smoothing.’ This refers to paying your bills in installments rather than a lump sum.
  3. Contact you providers if you move house: This goes for utilities, telco and credit providers. Although this won’t impact your credit score directly, if your bills are being sent to the wrong address, you won’t know to pay them. This will in turn, cause your credit score to drop (see point 2).
  4. Pay off your debt: Your credit utilization ratio is a number that reflects your level of debt and also plays a large role in calculating your credit score. The more outstanding debt you have, the higher your ratio will be. People with the highest credit scores will typically have the lowest credit utilization ratios. You can either start by paying off your smallest account or the account with the highest interest rate. 

Reasons for a Jacaranda loan

While we don’t provide ‘instant cash loans no credit check Australia’, we offer personal loans for a variety of circumstances and needs. If you’re wondering what you could use a personal loan for, here are a few of the most common reasons people borrow money:

Car repairs

Are you looking for a loan because your car has broken down and your bank account isn’t looking great? This is where Jacaranda could help you out! We offer car repair loans from $300 to $10,000 — even for those with bad credit. While we do check your credit score at Jacaranda, we focus more on how you are going to pay back the loan by looking at a read-only copy of your bank statements and income. 

Dental bills

Often, what’s more nerve-wracking than the dentist appointment itself is the bill afterwards. But, don’t stress! If you get hit with an expensive bill, you could apply for a dental loan with Jacaranda. Whether it’s for a root canal, wisdom teeth removal, or braces, we’ve got you covered. So, while we don’t claim to hand out ‘instant cash loans no credit check Australia’, we can guarantee you a fair go if you have poor credit (and sore teeth!). 

Wedding expenses

Have you been googling ‘instant loans’ as the special day draws closer and costs start to build up? While we do conduct a credit check as part of our assessment procedure, we could provide you with a wedding loan even if your credit score isn’t great. This is because we like to get a better understanding of your financial situation by looking not just at your credit score but also your bank history, income, and spending habits.

Ready to apply? 

Applying for cash loans with Jacaranda Finance is so much easier than trying to sort through page after page of search results for ‘instant cash loans Australia no credit check’ or ‘payday loans no credit check.’ You can save yourself a heap of time, and with any luck, you could have the cash you need before you know it!

If you’d like to know a bit more about us and what we do, have a look through our website! Find out how it works, costs, or check out our FAQ page if you’re unsure about anything.

If you think a personal loan from Jacaranda Finance sounds like the right fit for you, then scroll up and click Apply Now. It could be your first step towards getting the funds you’re looking for!

If you’re looking for tips on how to manage your money, enlist the help of MoneySmart.Want to learn more? Read about small loans for bad credit, affordable loans and interest free loans!

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Last updated: 19/08/2020, 10:00am

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