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Looking for an Instant Loan? Jacaranda Could Help!

Looking for an Instant Loan? Jacaranda Could Help!
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

Get fast cash up to $10,000

Sometimes, life takes a turn and you find yourself looking for an instant solution to financial pressures. Most people have experienced this at some point in their life. But is an instant loan the right thing for you? 

At Jacaranda Finance, we can provide fast cash loans that range from $300 to $10,000. The application process is convenient and 100% online, with no hidden fees or additional costs. If you apply during business hours, we could even have an outcome for you in 60 minutes. Now, that’s pretty instant!

Apply with us today to see if we could help or keep reading to learn more about how we could help you get an instant loan.

Can I get an instant loan with Jacaranda?

While we don’t claim that our personal loans will be approved instantly, our application process is very fast. Successful applicants may receive their “Yes” in just 60 minutes. This is provided your application is submitted during business hours and we don’t need any additional documents.

What is an instant loan?

Instant loans are personal loans that you receive in a very short amount of time. Lenders often don’t require much information, therefore, the loans are approved quickly. An instant loan is often a small personal loan that doesn’t require you to put up security against your application. 

However, you should always think twice if a personal loan is the best option for your personal situation. A free financial counsellor can help you assess your situation if you are unsure. At Jacaranda, we believe in ethical lending practices and won’t lend you money we think you can’t afford to repay. 

Should I get an instant cash loan?

You wouldn’t be searching for an instant loan on Google if you didn’t need cash as soon as possible. While there are some lenders that promise you money instantly, you should approach these offers with caution. In most cases, providing an instant loan means that they don’t perform credit checks or evaluate if a loan is suitable for your personal situation. A responsible lender should evaluate your full financial situation before approving a loan. This practice ensures that the loan is suitable and affordable for you. 

Thanks to modern technology, many modern lenders can provide same-day fast cash loans while still thoroughly assessing your financial situation. Jacaranda is one of them. Our application process is completely online and will only take you a few minutes. If you apply during business hours, you may receive your outcome in 60 minutes. Maybe that’s not instant but it’s super fast. 

How fast can I get a loan with Jacaranda?

We are glad you asked! At Jacaranda, we want to provide fast outcomes for all loan requests. Therefore, we have optimised our application process almost to perfection: Most people submit their application in only a few minutes. Then, you can relax while we do the hard work. Our experienced team will assess your application and try our best to get the outcome to you in only 60  minutes (if you apply during office hours and no other documents are required). 

If you send your loan contract back in time, you may receive your funds the same day thanks to instant transfers.* However, waiting times may vary depending on personal circumstances as each financial situation is different. 

Who can apply for an instant loan?

Our personal loans are free to apply for everyone who fulfils the requirements. We want to give everyone a fair chance to access personal finances. Therefore, we also offer personal loans for people on Centrelink, personal loans for pensioners, and personal loans for people with bad credit. Simply check if you fulfil the requirements, you might be surprised. 

What are the requirements?

As we want to make our loans accessible for everyday Australians, you don’t have to hand in weeks of paperwork. But there are a few boxes that you should tick before applying for a loan with us: 

  • Be at least 18 years old; 
  • Hold an Australian passport or be a permanent resident; 
  • Have an active mobile number and email address; 
  • Have an online banking account that you received consistent payments to in the last 3 months. 

If that sounds like you, we highly encourage you to apply. You don’t have much to lose. The application takes only a few minutes and you will know your outcome very soon. 

How can I apply for an instant loan?

It’s super easy. You can get your (almost) instant loan within three simple steps from anywhere in Australia. We’d recommend making yourself a cuppa tea while you fill in your form but it’s so fast, you probably won’t finish it. 

Step one: Fill in the online application. 

That’s the easiest part. You can speed up this step even more if you have the required information handy: 

  • Your personal details (name, address, D.O.B etc);
  • Internet Banking Login;
  • A reason for your application;
  • Your MyGov details (if you receive Centrelink or other Government benefits);
  • Otherwise employment details and contact info of your workplace (we may need to get in contact in order to verify your employment status).

Step two: We assess your case. 

You can lean back and relax while our team does the hard work. We use the latest and best safe banking technology to assess if our loan is suitable and affordable for you. We do perform a credit check, but that’s not what we mainly care about. Instead, we have a look at incoming and outgoing money and your spending habits. But it won’t take long. You may get a result in 60 minutes if we receive your application during our office hours. 

Step three: Receive your funds. 

That’s the fun part. Once your application is approved, we’ll send your funds over to your nominated account as soon as we get your signed contract. If everything goes smoothly, this may happen on the same day. Should your bank offer NPP-enabled payments, the cash could be in your account in just 60 seconds!* However, it depends on your online banking provider how long it takes to show your new balance. 

What types of instant loan do you offer?

As previously stated, our loans are not instant but very fast. Jacaranda personal loans range from $300 – $10,000 and are grouped in small, medium, and large loans. 

Small Personal Loans

A small personal loan ranges between $300 and $2,500, repayments will be scheduled over a period of 12 months. Small loans are unsecured and suitable for unexpected bills or smaller purchases. 

Medium Personal Loans 

Jacaranda medium personal loans range from $2,500 to $4,600 and can be repaid over a period of 13 to 24 months. Any medium-sized loans are secured loans which means security must be attached to your application. This could be any vehicle like a car, a boat or a motorbike. 

Large Personal Loans 

Large personal loans range from $5,000 to $10,000 and repayment periods vary between 13 and 24 months. Like medium personal loans, you will have to provide security against large loans. 

If you are curious about any details regarding our loans, head over to our costs page and compare your options. Additionally, we provide a loan calculator at the top of this page that can help you work out repayments and repayment periods. 

How do I know if my application was successful?

After submitting your application online, you might feel itchy to know if it was successful. It won’t take long until you receive a call from us to confirm that you have been approved. Shortly after, we will send you an email and an SMS with a link to the loan contract that you need to sign digitally.  

Can I apply for an instant loan if I’m receiving Centrelink payments?

Yes, you can. We think everyone deserves a fair go, that’s why we provide same-day cash solutions for people on Centrelink, Centrelink families, and pensioners. If you fulfil the other requirements, we will simply treat your Centrelink payments like normal income. However, you might be eligible for an advance on your Centrelink payments and we recommend you check this option first. 

So if you are on Centrelink or any other Government benefits, feel free to send us your application. It’s definitely worth a go. 

Are you going to perform a credit check?

Yes, we will. But don’t worry, that doesn’t necessarily mean we won’t offer you a loan. In many cases, a credit rating is not a good representation of your financial situation. Therefore, we look into all the other details and assess mostly based on your current financial situation, spending habits, and income. 

Are you going to call my boss?

We may contact your workplace to confirm your employment details but we won’t tell them any details about your application or your financial situation. Our staff is trained to be absolutely discreet and will treat information regarding your application confidentially. 

Why Jacaranda?

At Jacaranda, we know there is a personal story behind every single application and we care about our customers. We want to find a deal that is most suitable for both sides and offers you financial freedom when you need it most. 

That’s why we believe in responsible lending techniques: 

  • We won’t lend you money if we think you won’t be able to repay. 
  • We are upfront with any costs and fees. You can head over to our costs page to see them beforehand, they will also be stated in your loan contract, so you know exactly how much you will pay. 
  • Additionally, we encourage you to think twice if a personal loan is the best solution for your current financial situation.

How to contact us?

If you have any further questions or need assistance with the application process, feel free to message our friendly customer service team at any time. If you prefer to talk to us in person, give us a call during our office hours. Please note that we can’t take applications over the phone but we are happy to troubleshoot if you get stuck. 

Our business hours are: 

Monday to Thursday: 8 am – 6 pm
Friday: 8 am – 4 pm
Saturday: 8 am -12 pm
Sunday: Closed

Ready to apply? If you are looking for an (almost) instant loan, apply today and receive your funds most likely the same day. 

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.