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Do You Need a Loan?

Do You Need a Loan?
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 provides personal loans for Australians that need a loan ASAP. 

If you are searching for short term finance, Jacaranda Finance offers fast cash loans to eligible borrowers that need to borrow money. We offer personal loans from $300 to $10,000.

Are you searching “I need cash right now?”

If you have turned to Google to search “I need a loan” or “I need a loan today”, it is most likely that you are in need of emergency cash. Jacaranda Finance offers fast personal loans from $300 to $10,000 for exactly this situation. We are one of Australia’s fastest online lenders; we were the first lender nationwide to deliver a 60-second loan payout. If you need cash right now, no matter your financial situation, Jacaranda Finance may have a loan option to suit you. 

What should I do when I need a loan?

If you need a loan right now, Jacaranda Finance offers personal loans from $300 to $10,000 to cover a variety of personal expenses. You can apply online within just a few minutes and we will endeavour to deliver your loan outcome within just 60-minutes*. We offer three types of personal loans: small loans, medium loans and large loans.

Loan type Loan amount Repayment terms
Small loan  $300 to $2,000 6 to 12 months
Medium loan $2,100 to $4,600 13 to 24 months
Large loan $5,000 to $10,000 13 to 24 months

Our medium and large loans are secured loans. This means that you must attach an asset to your loan as security; this could be a car, motorbike or even caravan. If you would like more information about our loan types, please refer to our costs page.

Fast car loans

Jacaranda Finance also offers car loans from $5,000 to $35,000. You can use a car loan from Jacaranda Finance to purchase either a new or used car. We offer flexible repayment terms, from 1 to 4 years, and competitive rates. We endeavour to deliver same day outcomes on our car loans and we support instant transfers on approval. If you are searching for fast car finance, Jacaranda Finance is a speedy lender you can trust. 

What can I use a personal loan for?

Whether you need your loan for an emergency medical expense or an unexpected holiday, you can use a personal loan to cover your costs to repay in manageable instalments. We receive loan applications for an abundance of reasons, including but not limited to the following:

  • Dental bills
  • Medical expenses
  • A holiday with the family
  • Wedding costs
  • Unexpected bills
  • Debt consolidation
  • White goods
  • Car insurance
  • Urgent car repairs

How to apply for a loan

Our application process is simple and easy with our online form. Within just a few minutes you can apply for your loan online from anywhere, anytime; we deliver loans to Australians nationwide! We often deliver loan outcomes within 60-minutes* and support instant transfers on approval; you could have your cash in your bank account within 60-seconds of approval**. If you are ready to apply for your quick cash loan, follow these steps:

Step 1: Apply online using our online application form

Step 2: Our team will assess your application as fast as possible

Step 3: We will let you know the outcome of your application

Step 4: If approved for your loan, review and sign your loan contract

Step 5: Receive your money!

Loan eligibility criteria

We have some eligibility criteria all of our applicants must meet. Please ensure that you meet all of the following criteria before you apply:

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

Supporting documents for your application

We also require electronic copies of all of the following documents. To streamline your application process and ensure we can process your loan application as fast as possible, please ensure you supply your supporting documents when you submit your application:

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

“I need a loan but have bad credit history”

Securing a loan with a bad credit history can be difficult; however, Jacaranda Finance offers bad credit loans to eligible applicants. We are an online lender which allows us to be more lenient in our lending criteria than traditional lenders. We use copies of your bank statements to conduct a thorough financial assessment; this is to ensure that you can reasonably manage your loan. If we find that you can currently repay your loan, even if you have a poor credit file, we may be able to provide you with a same day loan. 

We also offer bad credit car loans to eligible loan applicants. You can borrow any amount up to $35,000 to purchase a vehicle; if we find that you can manage your loan, even with bad credit, we may be able to provide you with a car loan.
We must still conduct credit checks on every applicant, so we will review your credit report as a part of our loan application assessment. We adhere to the responsible lending guidelines set by ASIC. 


What are the fees and charges on your personal loans?

The fees and charges will vary depending on how much you borrow and your current financial situation. Each loan option accompanies different fees; this could be a monthly fee or interest. Your interest rates may vary depending on your current financial situation. All fees and charges will be clearly outlined to you in your loan contract.

I need a loan on Centrelink; do you provide loans for Centrelink customers?

We consider most forms of Centrelink as regular income. If you can afford your repayments on your Centrelink income, we may be able to provide you with a loan for Centrelink customers. 

I need a loan to fix my car; can I use a personal loan for this?

We offer car repair loans from $300 to $10,000 for eligible borrowers. You can use this loan to cover any car-related expenses you may incur for fixing your car. 

*If you apply within our business hours

**If you have an NPP-enabled bank account

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.