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Are No Credit Check Loans a Thing? Find Out With Jacaranda!

Are No Credit Check Loans a Thing? Find Out With Jacaranda!

Looking for no credit check loans?

If you’re looking for no credit check loans, chances are you have a less than perfect credit score. We’re here to let you know that your credit score isn’t the be-all and end-all when it comes to accessing finance.

While Jacaranda Finance cannot offer ‘no credit check loans,’ we will always give you the fair go you deserve. This means we’ll look at more than just your credit score when assessing your loan application to justify whether a personal loan is affordable for you. So, if you’ve made mistakes in the past and your credit score isn’t exactly up to scratch, Jacaranda could still provide you with the cash you need.

What are no credit check loans?

If you are concerned that bad credit will stand between you and being approved for a loan, you may be looking for no credit check loans Although there may be some lenders on the market willing to offer this loan product, they may not have your best interest in mind.

At Jacaranda, we have a commitment to responsible lending. This means we will always conduct a credit check when assessing your application. If you’ve got bad credit, however, you shouldn’t let this deter you from applying. Unlike traditional lenders like banks and credit unions, we won’t reject your application solely on the basis of a credit check. We can provide loans to people with bad credit!

We’re here for when things go south

Often in life, we come across big challenges that we were not quite expecting and can’t avoid. These challenges can come in many forms, including family emergencies, urgent medical treatments, or even storm damage to your home. Regardless of the nature of these problems, a lot of the time, there’s not much you can do to prevent them.

If you are someone with poor credit, you may not know where to turn. In times like these, traditional lenders may not be an option. At Jacaranda Finance, we understand most people go through a rough patch some time in their life. We do not expect that everybody who comes to us asking for no credit check loans will have a perfect credit history. In fact, while we do not offer no credit check loans, we can still offer a bad credit loan. See, we encourage individuals with poor credit history to get in touch with us and find out alternatives to loans with no credit check.

Do we offer easy loans no credit check?

Easy loans with no credit check may seem like a good option if you have poor credit. Conducting credit checks are, however, part of being responsible lender. Lenders that offer no credit check loans, may not be complying with these responsible practices.

At Jacaranda specifically, we will check your credit history when assessing your loan application. Bad credit, however, doesn’t necessarily have to impact your chances of getting approved. Put simply, we prefer to look at your current relationship with money. So, even if you have poor credit, consider lodging an application with Jacaranda. We’ll always look at more than just your credit score, and give your application a fair assessment.

Do we provide fast cash loans with no credit check?

We do not offer cash loans with no credit check. That being said, we can still help with bad credit cash loans. If you have poor credit and need cash quick, consider Jacaranda. When we started, we wanted to create a responsible service that people searching for ‘fast cash loans with no credit check’ could use.

Unlike traditional lenders, we knew this would only be possible if we could develop a system where applications would be processed quickly. If you go to a commercial bank for a personal loan, they may take your application and take several days, perhaps even weeks, to get back to you. Additionally, traditional lenders may be unlikely to approve bad credit personal loans.

At Jacaranda, however, if you lodge an application within business hours, we could have an outcome for you within 60-minutes!

Does Jacaranda do instant approval loans no credit check?

While we don’t offer instant approval loans with no credit check to our customers, we pride ourselves on giving each application the fair assessment it deserves. Put simply, if you are googling terms like ‘no credit check loans’ or ‘instant approval loans no credit check’ you could still apply with Jacaranda.

Since we are an online-lender, we are able to process your application in record time. Our 100% online loan application is super easy to use. The best bit? You can do it all from the comfort of your bed, with a coffee in hand! So, while we will still conduct a credit check on our assessment of your application, we prefer to look at your current relationship with money.

How we’ll assess your loan application

Our assessment team will prefer to look at your current relationship with money, rather than just your past mistakes. So, even though we do conduct credit checks, we’ve still provided loans to thousands of Aussies with less than perfect credit.

How are we able to do this? Well, we’re able to access a read-only copy of your bank statements. By doing this, we can get a better idea of your current relationship with money. So, we look for things like a regular income for at least 3-months, and your ability to keep up with repayments on the other debts you may have. In short, if we can see you’ve been responsible with your money, we may be happy to look past that poor credit record.

Am I eligible to apply? 

If you think you’re ready to apply, first you need to check if you’re eligible. At Jacaranda, we won’t make you jump through hoops to access our affordable personal loans. All you need to do is meet our simple set of criteria below. To be eligible you need to:

  • Be 18 years or older;
  • Have had a regular income into a personal bank account for the last 90-days;
  • Be an Australian Citizen or Permanent Resident;
  • Have internet banking set up;
  • Have an active mobile number and email address.

Can you comfortably tick all of these boxes? Perfect! You’re eligible to apply for our fast personal loans. Scroll up to the top of this page to apply now.

What documents will I need to apply? 

Our 100% online application usually takes most people only a few minutes to complete. We will only ask you for details that are absolutely necessary. To breeze through the application process, we suggest having the following details handy:

  • The reason for your loan;
  • Personal info (name, D.O.B etc);
  • Your internet banking details;
  • Employment information
  • Your myGov account details (If you receive Centrelink);
  • Your mobile phone number and email address.

How it works

Although we cannot provide ‘no credit check loans,’ applying for one of Jacaranda’s bad credit loans is super simple. You could have cash in your account if you follow these four simple steps.

Step 1: Apply online

The first step is for you to fill our simple and user-friendly loan application form. Start by scrolling to the top of this page to our loan calculator. Using the slider, select the amount you’d like to borrow and the repayment period and click “Apply Now.” You’ll then be taken to our 100% online application. It could only take you a few minutes, and you can even complete it on your smartphone. Once you’ve filled in all of the relevant details hit ‘Submit.

Step 2: We’ll assess your application

Once you hit the submit button on your form, your application will be placed in the queue for assessment. Next, our team will access your application and decide on your ability to repay the loan. If you apply during our regular business hours, we could get back to you with an outcome in just 60-minutes!

Step 3: Sign your contract

Next, if you’ve been approved for a loan, you’ll be sent a loan agreement for you to review and sign. We recommend reading through this thoroughly to ensure you’re familiar with any fees or charges for late or missed payments. Once you’re happy, you’ll be required to e-sign your contract and we’ll receive your contract back.

Step 4: Get your cash! 

Once we receive your signed contact, we’ll transfer your funds straight away. If you have an NPP-enabled bank account you could have the cash in your account and ready to use in 60-seconds!

Why choose Jacaranda

As a responsible lender, Jacaranda will always conduct a credit check when assessing your application. So, although that rules out no credit check loans, we can still provide you with an affordable loan despite your bad credit. But that’s not the only benefit of applying with us! Below we’ve listed a few reasons why we think our personal loans are some of the best on the market!

Easy online application

We have a simple online application form that you could fill out within minutes. Customers are also able to fill out this form from their smartphone.

Loan calculator

Our easy to use loan calculator is located at the top of this page. To get started, simply select how much you’re thinking of borrowing and your ideal repayment terms. Our calculator will then give you an idea of what the weekly, fortnightly and monthly repayments might look like.

Convenient repayment plans

We have a number of different repayment terms for our loan amounts. So, if your loan is under $2,000, you will be expected to pay back the money in 12-months. For any sums between $2,100 and $10,000, you can choose to pay anywhere between 13 and 24-months. Additionally, you’re able to choose a weekly, fortnightly or monthly repayment cycle. However we will usually just align your repayments with your payday to ensure you don;t miss any payments.

Fast outcomes

If you submit your application during our business hours, you could get your outcome in as little as 60-minutes. If you apply outside of these hours, we’ll get to your application when we’re back in the office.

Online support

We believe in the power of the internet, so we keep all our applications and services completely available online. You might never even need to call us on the phone, let alone send a letter by post. Our trained customer support representatives are always ready to reply to your queries and solve your problems as fast as possible.

Bad credit history support

We are committed to giving everyday Aussies a fair go on their application. So, even if you have a sub-par credit score, we will do our best to match you with an appropriate loan product. After all, we understand people are so much more than just a credit score.


We also believe in transparent business practices, which means we will include all the fees and charges associated with your loan in your loan contract. If you are unsure about anything in your contract, simply get in contact with our customer support team. Our dedicated customer support team will be able to walk you through any questions you may have.

Loans near you

As we are 100% online, you can apply for a Jacaranda loan from anywhere in Australia as long as you have an internet connection.

How can Jacaranda help?

We don’t claim to offer ‘no credit check loans’ but we can offer the next best thing – bad credit loans. We’ve helped thousands of Aussies get the fast finance they need – bad credit and all!  However, the world of online lenders can be confusing at best. So here’s a breakdown of the types of loans we can offer our customers.

Loan TypeSecured OptionsLoan amountLoan term
Small LoanUnsecured$300 to $2,00012 months
Medium LoanSecured/Unsecured$2,100 to $4,60013 to 24 months
Large LoanSecured/Unsecured$5,000 to $10,00013 to 24 months


If personal loans aren’t your thing, Jacaranda could also help out with bad credit car loans. Our car loans range from $5,000 to $35,000.

Get In Contact

We’d love to hear from you! So, if you have any questions about anything you’ve just read, you can send us an email via the form on our contact us page. Alternatively, if you would rather speak to a real person, you can give us a call on 1300 189 823. For the latest finance and lifestyle news and tips, jump on over to our blog.

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

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🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

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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.