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Jacaranda’s Personal Loans Are Perfect For When You Need Money Fast

Jacaranda’s Personal Loans Are Perfect For When You Need Money Fast
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

Need money fast?

If you need money fast there is no time to waste! Jacaranda Finance could provide you with the cash you need quickly. Our application process is 100% online, which means you can apply wherever you are and whenever you like. We don’t take ages to assess your loan. In fact, if you apply during AEST business hours, we could have an outcome for you in 60 minutes. Our team understands that when you need cash there is no time for waiting in lines of filling out pages and pages of paper work. We make the application process simple and straightforward.

What Is Fast Money?

When you need money fast there are a variety of different avenues you could turn to. If you’ve been googling ‘I need money ASAP’, ‘need money ASAP’, ‘need money quick’, or ‘quick easy cash’ then you probably already know how many search results come back. There are a variety of different companies out there offering anything from payday loans to secured loans to no interest loans. However, Jacaranda is the lender with a difference. We won’t promise you anything that we can’t deliver. As a result, our team could provide you with a secured or unsecured loan fast. Our application process is 100% online, that means submitting an application is super quick!

Why Jacaranda Finance?

Are you thinking ‘there are so many lenders out there, why should I choose Jacaranda Finance?’ Well, that’s easy. Jacaranda is an Aussies lender run by locals, we know what it’s like to need quick cash, so, we won’t mess around. We will assess your loan application and get back to you with an answer quickly. Because our team is realistic, can’t promise approval for every single applicant, however, we can promise you a fair go when you need it. We won’t put you in the reject pile if your credit score is poor – we like to look a little deeper. At Jacaranda, our team understands that everyone makes mistakes. So, we give you a fair go. If our team can see you have tried to improve your credit situation you could be eligible for a loan.

Above all, Jacaranda Finance is proud to be a responsible lender. What is responsible lending? Basically, it means that we don’t lend ridiculous amounts of money to applicants who can not pay it back. Unlike lenders who claim to provide no credit check loans or instant cash loans, Jacaranda takes the time to assess each application and make sure the loan is responsible. We want to promote financial health and assist our customers on the road to financial freedom. Our team is always here to help. So, if you do have any questions, just send us a message!

Does Jacaranda Provide Instant Loans?

Have you been googling ‘I need money right now’, or ‘quick money in one day’? Well, let us fill you in. At Jacaranda, we do not claim to provide cash instantly. If you apply during AEST business hours we could have an outcome to you within 60 minutes and might have the cash in your account by the end of the day, however, it is important to remember that this is not instant.

When searching the internet for an online lender who provides cash instantly it is important to keep your wits about you. Often, when things seem too good to be true they usually are! Lenders who say they will not check your credit score or do not charge interest usually request you pay an amount upfront for your loan. At Jacaranda, that is not the case. We will not ask you to pay anything until your first loan repayment is due. Our application does not cost anything and our team abides strictly by the code of responsible lending. We do not promote loans that are unrealistic for the applicant to repay.

What Could I Use My Loan For?

Wondering what you could use your loan for? If you need money quick we may be able to help you today! Here are some expenses that you could site on your application form…

Loans For Holiday Expenses

In need of an escape but don’t have the cash? No worries! When you need money fast Jacaranda could be the lender for the job. It couldn’t be easier to apply for a loan for holiday expenses. Maybe school holidays are approaching and you want to take the family to the beach? Or, maybe you’re just in need of a long weekend? You could simply scroll up and submit a loan application right now. Our online form could only take you a matter of minutes to complete. If you apply during AEST business hours a member of our team could even get back to you with an outcome in an hour. We love the convenience and we think you will too! So, when you need money fast for a holiday turn to the lender you can trust.

Loans For Dental Bills

Has the dentist delivered more than just a few fillings? Need some extra cash to cover the out of pocket? If you’re sick of scrolling through your search results, then look no further than Jacaranda. We won’t claim to deliver instant cash, however, we do deliver fast outcomes on loan applications. There is no long waiting lines or mountains of paperwork. Just a simple, fast and easy application form and you could have an outcome in an hour. Most of the time we are able to get you the cash on the same day (if you apply during AEST business hours). However, sometimes inter-bank transfer times can affect the speed at which the cash hits your account.

Loans For White Goods

Desperately in need of a new fridge but don’t have the cash? If you need money fast for white goods then Jacaranda could be the guy for the job. We understand that sometimes life throws a curveball or two when you’re least prepared. So, if you need money fast you could just scroll up and apply with Jacaranda. We provide loans from $300 to $10,000 with fast approval. Worried that bad credit could ruin your chances? Don’t stress. At Jacaranda, we look at more than just your credit score during our application process. We know that bad credit can hang around for up to 7 years – that’s a long time. People and circumstances can change. So, we look deeper. If you’ve been thinking about submitting an application, we recommend you go for it!


So, now you know a little more about Jacaranda let us tell you who could be eligible for a loan. We like to keep the eligibility criteria as simple as possible. So, here’s everything you’ll need to meet to be eligible for a loan:

  • An active mobile number and email address is required;
  • All applicants must be aged 18 or older;
  • A regular income must have been deposited into your own personal bank account for the last three months;
  • Internet banking must be set up;


Does the word ‘documentation’ make you freak out a little? Well, the good news is at Jacaranda we only require the basics. We won’t ask you to provide anything that is unnecessary. Here’s what you’ll need to attach to your application:

  • Personal info (name, D.O.B etc.);
  • 100 points of identification;
  • Internet banking details;
  • We will need to know the reason you are applying for a loan;
  • Your MyGov details (if you receive Centrelink benefits);
  • Employment details and employer contact info;

How Do We View Bad Credit?

At Jacaranda, we do conduct credit checks. However, our team takes a fresh approach to poor credit. We don’t think your credit score should be the sole contributing factor when it comes to approval on a personal loan. Our team takes a deeper look at your finances. We don’t think something that happened 7 years ago should be a determining factor in your life right now. We won’t claim to approve every applicant, however, we can guarantee that Jacaranda gives all applicants the fair go they deserve. So, if you need money fast why not let us see what we could do for you?


If you’re receiving Centrelink benefits and need money fast then Jacaranda could be the lender you’ve been searching for. We do not discount applicants who are receiving Centrelink or government benefits – not even applicants on the pension. Unfortunately, it is a bit of a grey area. There is no straight yes or no answer as to whether or not you will be approved because sometimes we can take Centrelink as a form of income. However, sometimes Centrelink cannot be recognised as a form of income. If you’re unsure as to whether or not you will be approved, we recommend you go ahead and apply. Our team will then be able to make a comprehensive assessment and get back to you with a fast outcome. You can always shoot us a message if you have any questions.

Simple ways to build savings on a low income 

Having to manage day-to-day expenses and other repayments on a low income can get difficult. Understanding your habits and planning a budget can give you a boost to building your savings. Regardless of your age and circumstances, budgeting and saving funds on any income are an essential skill to have. We’ve assembled some useful tips to help manage money and build savings, regardless of your income. Here are some simple ways to build savings on a low income:

  1. Set up a budget. The first step to take to build your savings is understanding your income to expenses ratio. Setting up a budget can help boost the process. Regularly reviewing your bank statements and budgeting accordingly is essential to build savings. There are several free online budget planners that can help you understand the basics of budgeting. When you’re new to the budgeting world, a little knowledge can always go a long way. 
  2. Pay down debts. Conquering debt can be a significant step toward money management. This is especially useful when you’re on a low income. At Jacaranda Finance, we won’t charge you fees for paying your loan early. We want to help you save, so take advantage of that benefit! Reducing debt can help you save money on monthly repayments and interest. This is a simple way to build savings on a low income!
  3. Deduct expenses. Another simple and efficient way to build savings on a low income is deducting unnecessary expenses. When reviewing your bank statements, identify what your needs and your wants are. Isolating and slowly deducting some of your wants can help you build your savings in no time!
  4. Research financial support. If you’re on a low income, you may be entitled to financial support from government agencies. For instance, you may be eligible for a low income Health Care Card with Centrelink! This can help you receive discounts on transport and certain medications.

Responsible Lending

Wondering what responsible lending means? When it comes to lenders there are a variety of different types. However, Jacaranda is proud to be a responsible lender. That means we abide strictly by the code of conduct set out by the government. This doesn’t necessarily mean we are strict with our approval rate, it just means we don’t lend money irresponsibly. Our team doesn’t want to be responsible for getting applicants into financial hardship. We want to help our customers on the road to financial freedom. That’s why we will never lend an applicants cash that we do not believe they will be able to repay. We do conduct credit checks as a part of our commitment to responsible lending but it is important to remember that this will not solely determine approval.

Our Customers

Jacaranda doesn’t exist without our customers. That’s why we place high importance on customer service. Our team are down to earth and friendly. We know what it’s like to need money fast. That’s why we do our best to get back to you with an outcome as soon as possible. The Jacaranda team is always here to help. If you send us a message during AEST business hours we will always do our best to get back to you.

Who Have We Helped

Jacaranda is an Aussie run business for locals just like you. We get great satisfaction out of getting our successful applicants the cash they need ASAP. Have a look at the loans we’ve already approved:

Need Money FastAmount AUD ($)Approved
White Goods Loans500
Dental Bills Loan1,700
Holiday Loan2,000

Disclaimer: The above examples are for demonstrative purposes only. They do not, in any way, reflect the terms of your possible loan, or the amount you may be approved for.

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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.