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Instant Loans Online

Instant Loans Online

Searching for instant loans? Found yourself in a financial emergency and in need of some quick cash? Let’s face it. Sometimes life just gets on top of you and things happen that catch you completely off guard. Suddenly we find ourselves falling further and further into unwanted debt. Ultimately, we all need a plan B in life – a safety net for when we start to fall.

That’s what we’re here for.

At Jacaranda Finance we won’t claim to provide ‘instant cash loans online’ but we can offer a seamless and fast application process. Applying for a personal loan doesn’t have to take days! With Jacaranda’s 100% online application form, you could submit your loan request within a matter of minutes. Better still, we could have an outcome for you within the hour and – if approved – the cash could be in your account in just 60 seconds (subject to your chosen bank)!

Not convinced? Keep reading to learn more about instant loans and how Jacaranda could help you put your expenses behind you today!

What is an instant loan?

Thanks to the internet, the way we manage our money has never been easier. For many of us, banking is now virtually paperless and faster than ever. Naturally, this has also changed the way we access finance in our times of need. When we need money fast, it’s now easier to find instant loans online by simply searching ‘online loans instant approval Australia’ on Google. But what are instant loans and are they legitimate?

Definition of instant loans:

Instant loans are a form of finance where minimal documentation is required and applications are approved very quickly. Sometimes, instant loans can be termed as fast personal loans or quick loans, depending on the terms of the lender. Most of the time, you’ll find instant cash loans online, as traditional brick and mortar lenders tend to have longer waiting times for finance applications.

Can I get instant loans?

You can get an instant loan online, depending on the terms of the lender. It’s important to note that instant loans don’t necessarily mean instant approval. In most cases, you will still have to wait for the lender to assess your loan. If your loan is approved, it might also take some time for the funds to actually be transferred as well. So, instant loans don’t necessarily guarantee the cash will instantly be disbursed to your account.

How can I get instant cash loans online?

You can apply for fast easy loans online with Jacaranda Finance! At Jacaranda, we don’t claim to offer ‘instant loans’ because we can’t guarantee instant assessment or approval of your application for a loan. However, if you apply during our business hours we could give you an outcome in just 60 minutes. Then, if you’re approved and your bank is NPP-enabled, the money could be in your account in just 60 seconds!

It’s not ‘instant cash loans Australia’ but it’s pretty damn fast!

How can I borrow money fast?

You could borrow money fast with our quick, hassle-free online application! Jacaranda’s personal loans are some of the fastest offered in the country. As our service is 100% online, there is absolutely no paperwork for you to fill out. Nothing to print off, no annoying forms to send through and no need to rifle through pages of tedious documents. You just fill a few things out online and click ‘submit’. It really is that easy!

The reason our loans are the next best thing to instant loans is that we use cutting-edge technology to help us assess your financial situation much faster than traditional banks and lenders. We don’t need to spend time double-checking everything because our advanced system will do it all for us in half the time!

This means that we’re able to offer our clients amazingly fast approval times and, most of the time, same day cash straight to their bank! You could apply for finance from your breakfast table and then see the cash in your account by dinner. That’s the beauty of our loans online; you can apply for them anywhere, anytime. It’s not online loans instant approval, but it could be just as quick.

How’s that for convenience?

What types of loans do you offer?

We offer three types of personal loans: small, medium and large. Our small loans range from $300 to $2,000 and are really simple to apply for since they don’t require an asset to be attached to the loan as security.

We also offer medium secured personal loans from $2,100 to $4,600. They do require an asset for security. Generally, you would attach your car, motorbike or caravan to your loan and just send through a photo of the vehicle showing the number plate, the vehicle’s registration number and your certificate of ownership just so we know it’s definitely yours.

Lastly, we also offer large personal loans from $5,000 to $10,000 that you can repay over 13 to 24 months. These loans are also secured.

How instant are your personal loans?

We can’t promise instant loans but we can guarantee fast service!

If you’re eligible, you’ll receive a confirmation on your application as soon as you’ve submitted it. From there, it could only be about an hour before we’ve come back to you with our offer if you’re approved. As soon as you’ve received official approval from us, we’ll send you your electronic contract. You won’t need to worry about printing this off and scanning it back. You just need to read it carefully and sign it electronically.

As soon as we’ve received your signed contract, we’ll release the funds instantly within business hours. The amount of time it takes for you to see the money in your bank account will depend on the bank you are with. If your bank offers NPP-enabled payments then you could receive your money in as little as 60 seconds! You can check if they do by searching for them here.

Do you have instant cash loans no credit check for Centrelink customers?

If your bad credit history has stopped you getting approved for instant loans in the past, we could help!

Our company does conduct credit checks on some customers, however, this is not the only thing we look at when assessing your ability to repay your loan. We understand that things happen and people make mistakes. So, we believe we get a much more accurate representation of your borrowing habits by taking a look at your current financial situation.

We do this by using custom-built technology to obtain read-only copies of your bank statements. This allows us to verify your actual income and spending habits. It also allows us to get a much better idea of your ability to take out a loan and repay it comfortably.

What about loans for customers receiving Centrelink?

We understand that no matter where you receive your income from, everyone needs a little help sometimes. Therefore, if you do receive Centrelink payments, you’re more than welcome to apply for one of our fast loans. We will assess your situation as we would any other applicant. As long as you meet all of our eligibility requirements, we will do our best to help you in any way we can.

As responsible lenders, we will never approve anyone who does not appear able to comfortably repay their loan. This is regardless of where they get their income from and what their credit score is. We only approve loans that can help clients when they need it.

So, what are the eligibility requirements?

To qualify for one of our online loans, you need to be:

  • At least 18 years of age;
  • An Australian citizen or permanent resident;
  • Receiving a regular income (for at least the last 90 days);
  • Able to provide a current phone number and email address;

If this sounds like you, one of our friendly customer service attendants is waiting to assess your application as we speak!

How do repayments work?

Repaying your loan couldn’t get any easier!

Once your application has been officially approved, we will email you out a contract with all your loan details. Once you’ve signed your contract, we will organise for your payment amounts to be directly debited from your account in line with your income until the repayment is complete.

We do it this way so you don’t have to worry about accidentally missing payments because it slipped your mind. It’s so easy to forget these things sometimes. We want to try and help you avoid being charged a dishonour fee for missed payments as much as possible. However, if one of the automatic payments fails to come out of your account due to insufficient funds, you’ll be charged a $35 dishonour fee.

Therefore, it’s important that you always ensure there is enough money in your account. In order for the payments to be deducted successfully. If you know you’re going to be unable to make a payment then just give us a call as soon as possible. We’ll be happy to find a solution that works for everyone.

Tips for staying on top of your loan repayments

We understand that making repayments isn’t an easy process for everyone. Every borrower’s financial situation is different, however, there are some methods that can help you manage your loan repayments and ensure they’re being made on time. Here are some tips to help you stay on top of your loan repayments:

  1. Align your payments with your income cycle. This is an easy step that ensures you always have sufficient funds to make your payments on time. You can do this by contacting us to reschedule your payments and have them coming out of your account the same day you’re getting paid. This can be the same day you’re getting your salary or Centrelink pay and is a step that eases the overall process of making your repayments.
  2. Make a budget. In order to make your repayments on time, you need to have sufficient funds. Planning out a budget that you strictly follow can help you get on your feet and get in the habit of spending smartly and increasing your savings. Start off by cutting out any unnecessary costs that could be taking a toll financially and set yourself a realistic goal within a reachable timeframe.
  3. Set reminders. Even if you set up automated payments, you’ll want to know when your bills are due because you’ll most likely have other things to pay off apart from your loan repayments. Set a reminder for all your loan payments, bills, and debt to get a clear picture of what your remaining funds will look like and how you can go about planning your budget.
  4. Set up automated payments. As mentioned above, automated payments can be extremely useful to ensure your payments are being deducted, even when you forget to do so. However, even by setting up automated payments, you’ll still need to ensure there are sufficient funds in your account to avoid being charged late or missed payment fees.

How do I get in touch with Jacaranda Finance to talk about instant loans?

Whether you’re a new customer or an existing one, our figurative doors are always open!

Your best bet for contacting us for general information is via email at However, if your question relates to your loan and you’re not comfortable disclosing your query via email then please feel free to call us on 1300 189 823. We’ll always do a security check when you call us. We will never give the details of your loan to anyone. Our brilliant customer service team are always happy to answer whatever questions you throw their way.

If you need a balance statement, that’s something you’ll want to email us for. However, if you need to change your payment dates or have had a change in financial circumstances, you’ll want to call us as it is more time-sensitive (though you are always welcome to email).

If you need to apply for a new loan, you’ll need to submit an application on our website. We’ll be able to pick up if you’re an existing client but we’re legally required to do another assessment, just in case your circumstances have changed.

At Jacaranda Finance, we’re always working to make your experience that much more convenient, enjoyable, and, more importantly, fast.

What are your normal business hours?

Although you can apply for our loans at any time, we’re not in the office 24/7. We need our beauty sleep too!

Our normal hours of business are:

  • Monday – Thursday: 8 am to 6 pm
  • Friday: 8 am to 4 pm
  • Saturday: 8am to 12pm

If you apply for a loan with us outside of these hours, your application will be one of the first ones we look at when we sit down at our desks.

So, do you need an instant loan?

If you’ve been desperately searching ‘instant approval loans need cash today’ then look no further! We may not be able to guarantee instant loans but we can guarantee you’ll get a fair go at fast finance.

Do you know how to be credit savvy? Learn new ways to be smart with your money and improve your credit score!

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

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.