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Home > The Lowdown on Instant Christmas Loans: What You Need To Know

The Lowdown on Instant Christmas Loans: What You Need To Know

The Lowdown on Instant Christmas Loans: What You Need To Know

Need a loan for Xmas?

If you need a little boost this festive season, you’ve probably been googling ‘instant Christmas loans’. The festive season is a wonderful time of year; however, it can take a big bite out of your wallet. At Jacaranda, our team provides Christmas loans with very fast approval times for when you need extra cash for the festive season. You can submit an application in minutes and have your outcome within the hour**. No wasted time, only the quick cash loan you need. Christmas time can feel like a ticking bomb, so count on Jacaranda Finance to provide you with the quick outcome you need. 

What are instant Christmas loans?

A Christmas loan is essentially a personal loan from $300 to $10,000. The repayment period will depend on the amount you choose to borrow. The festive season can be as joyful as it is expensive. That’s why we are making hassle-free Christmas loans available to all Aussies. Our team is committed to making the application process as stress-free and straightforward as possible – we know you already have enough on your plate as December rolls around! 

Apply for Christmas loans online for a fair, fast outcome and money straight to your bank and ready to use in 60 seconds* thanks to instant banking. When you apply for quick Christmas loans, you can apply from the comfort of your home or on the go. Our application process is 100% online, so all you need is a few spare minutes and a smart device. Our fast cash loans can be used for a variety of different expenses from Christmas shopping to summer holidays.

On top of speedy outcomes and fast cash, you can also rest easy in the knowledge that Jacaranda is a responsible lender. That means our team will never approve an applicant if they cannot afford the repayments.

Where can I borrow money ASAP?

You can borrow money ASAP from a variety of different places. When you’re searching ‘Christmas loans near me’, here are 8 places to get a loan:

  1. Online lenders
  2. Banks
  3. Credit Unions
  4. Centrelink benefits
  5. Cash advances
  6. Use your credit card
  7. Borrow from a friend or family member
  8. Low-income loans providers

Do your research and find out which option suits your financial situation. If you’re looking for a fair go on your loan, online lenders can provide loans for people with bad credit or receive Centrelink benefits.

Why should I borrow from an online lender for last minute Christmas loans?

Borrowing money from an online lender can be a quick and easy process. You can have the cash you need and fast, without waiting in line or visiting a branch. Online lenders can generally offer personal loans from $300 to $10,000.

Jacaranda Finance is Australia’s award-winning online lender that is ready to give every Aussie a fair go on the loan they need. We don’t think you should have to wait weeks for an outcome on your loan application. So, we’ve made the entire process as simple as possible. You can complete an application in a few minutes and our team will do their best to deliver an outcome within 60 minutes**. 

If you’ve been searching for Christmas loan lenders, Jacaranda Finance is the Aussie lender with a difference. When you apply for a Christmas loan, our team won’t ask you to fill out any paper forms. Our application process is 100% online, and we can access all the information we need electrically. Our team will do their best to get back to you as soon as possible with an outcome so you can get back to the fun stuff – Christmas shopping! As you hang the holly and switch on the fairy lights, know Jacaranda Finance has your back.

Am I eligible for Christmas loans online?

To be eligible for Christmas holiday loans you simply need to meet the following basic requirements: 

  • 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.  

If you meet these requirements, then you’re eligible to apply – it’s that easy! Scroll up and use our loan calculator to get started today.

What documents will I need to show the Jacaranda team?

When you apply for an instant Christmas loan, you won’t need to submit any unnecessary documentation. We ask for a few bits and pieces so you can access any information we need electrically. Here’s what we suggest you have handy when you apply:

  • 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 contact details.  

Then, depending on the type of loan you are applying for, we may ask for some additional information. For example, if you’re applying for a secured personal loan between $2,001 and $10,000, you will need to provide an asset for security. This can be your car, motorbike, caravan or boat.

Why do we need online banking details?

Jacaranda Finance will use your online banking details to access read-only copies of your bank statements. Bank statements give our team a better idea of your spending habits, income and pre-existing financial commitments. When we assess your application, we do not base our assessment solely on the results of a credit score check. By providing our team with your online banking details, we can deliver a quicker outcome, and if approved, you can have your money in your bank and ready to use in 60 seconds*. If you have questions, our team is happy to chat. You can get in touch or head to our FAQ page for more information.   

What types of Christmas loans can I apply for?

The types of instant Christmas loans you can apply for will vary depending on the lender you choose. Below are the types of Christmas finance we provide:

Loan typeAmountTerm
Unsecured$300 to $2,0003 to 6 months
Secured$2,000 to $4,60013 to 24 months
Secured$5,00013 to 24 months

Find a loan that suits you? Great! Use our loan calculator located at the top of this page to begin your application.

Can I apply for quick Christmas loans for bad credit?

You can apply for bad credit fast Christmas loans in minutes either on the go or from the comfort of your couch. If you’re worried about your credit score, you may hesitate when applying for the finance you need. The story is different with Jacaranda Finance. Our team are revolutionising the way we look at bad credit. We’ll take a look at your bank statements to get a better idea of your income, spending habits and pre-existing financial commitments to assess whether or not a personal loan is right for you. 

Can I apply for Christmas cash loans no credit check?

If you’ve been searching ‘Christmas cash loans no credit check’ or ‘instant Christmas loans’ it is essential to remember that Jacaranda will conduct a credit score check when you apply for a loan. As a part of our commitment to responsible lending, our team is required to perform a credit score check. There is no need to panic, though, approval will not be solely based on the result of a credit score check. At Jacaranda, we’ll look at the whole picture to give you the best possible chance at approval. We’re ready to provide all Aussies with the leg up they need this Christmas.

Can I get Christmas loans on benefits?

If you’ve been googling ‘Christmas loans for unemployed Australia’ or ‘instant Christmas loans for people receiving Centrelink, then you may be worried your Centrelink payments will affect your chance at loan approval.

We encourage Aussies that need some extra cash this Christmas to apply, no matter whether they have bad credit or receive Centrelink benefits. If you are receiving part of your income from Centrelink payments, you can still apply for a Christmas loan. We cannot guarantee approval for every single applicant; however, we can guarantee all applicants a fair and reasonable assessment on their loan application.

Can I get instant guaranteed Christmas loans?

We do not provide instant guaranteed Christmas loans, however, we do offer very fast Christmas loans. Our team can not instantly approve a personal loan. We are proud to be part of the Australian community of responsible lenders. That means our team are required, by law, to ensure the following criteria are met when conducting an assessment on a quick Christmas loan: 

  • make reasonable inquiries about the consumer’s financial situation;
  • take reasonable steps to verify the consumer’s financial position;
  • make a preliminary assessment about whether the credit contract is ‘not unsuitable’ for the consumer.

If you’ve got further questions regarding responsible lending, you can visit the website or get in touch with the Jacaranda team for more information.  

Easy ways you can save money this Christmas without a loan

It’s pretty common for people to overspend during festive seasons, especially on Christmas. Research shows that the average Australian spends over $573 on Christmas gifts for their friends, family and workmates. It’s only normal to feel the financial stress of Christmas shopping, even with the help of a loan. MoneySmart senior leader Laura Higgins stated that some of the most important strategies for managing Christmas expenses are by planning and budgeting ahead of time. Therefore, even with a loan, It can be helpful to find ways to save money during Christmas. Here are some easy ways you can save money this Christmas, without a loan:

  1. Make a budget. One of the worst things you could do this Christmas is go into a shopping centre with no clear budget in mind. Set aside some time before your Christmas shopping to get a clear idea of what you’ll be able to comfortably spend on gifts. You should also budget how much you’ll be able to spend on other things like decoration, food, etc. You can start building a budget month in advance by simply setting aside a fraction of your income. By committing and being consistent with your budget, you’ll be able to have a large enough fund to spend on gifts making your relatives and wallet happy. 
  2. Plan a gift list in advance. Another effective method to help you save money this Christmas without a loan is to plan a gift list in advance. It’s certainly helpful browsing different gifts ideas and having a prepared gift list going into the festive season. Not only will this method help you plan around your budget and stick to it, but it can also help you remain organised and prepared for the hectic month.  
  3. Consider a gift exchange. Another simple and fun way to save money this Christmas is by doing a Secret Santa gift exchange with your family and friends. This can help you save a fair amount of money, especially considering you’d only have to buy 1 gift. This form of gift exchanging can also help people receive more personalised and preferable gifts. 
  4. Save on wrapping. If you want to try saving money this Christmas, consider avoiding overly expensive wrapping paper. Consider shopping at discount stores or simply use butcher paper. Wrapping paper can get expensive, especially around Xmas.
  5. Decorate sustainably. Consider saving money through your bills while increasing your sustainability! Keeping your decorations simple and avoiding having your lights on at all times is a great way to help you save money this Christmas.

When can I apply for instant Christmas loans?

Our application process is 100% online, so that means you can apply for a Christmas loan whenever you like. If you apply outside of our regular business hours, it will take us longer to assess your application and deliver an outcome. 

How much could your loans cost?

If you’d like to know the fees and charges associated with a Christmas loan, or any loan type for that matter, you can head to our costs page or use the loan calculator at the top of this page to get an estimation on the costs that could be associated with your loan. 

How do I get Xmas loans?

Applying for the personal loan you need is made easy with Jacaranda Finance. If you’re googling ‘instant Christmas loans’, you’ll be happy to know you can apply for the finance you need in minutes! Follow these steps to apply now:

Apply Online 

Scroll up and use the loan calculator at the top of this page to input your desired loan amount and the repayment period. Hit ‘apply now’, and you’ll be directed straight to Jacaranda’s 100% online application.

Fill out the form 

Completing our online application could only take you a few minutes. We’ll just ask you to provide a few essential details so our team can conduct a fair and thorough assessment of your Xmas cash loans application. 

We assess your application

Once your application is submitted, you can kick back and relax. The Jacaranda team will assess your financial situation to see whether you’re suitable for a loan and get back to you with an outcome as soon as possible. 

Sign your agreement 

If our team have successfully matched you with an appropriate Christmas loan, we will be in touch straight away. The Jacaranda team will send over an agreement for you to review and sign. We recommend you read through your contract carefully and ensure you are aware of any fees or charges that could incur for late or failed repayments. As soon as your happy, just sign your agreement and send it back to us. 

Get your cash 

As soon as our team receive your signed contract, we’ll transfer the cash straight to your account. Thanks to instant banking you could receive your money straight to account and ready to use in 60 seconds*.

Find out how you could get a direct loan today!

Want to know more about fast loans online? Click here.

*most approved applicants have their money in their bank account and ready to use within 60-seconds once they have accepted their digital contract

**subject to when you submit your application

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

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