Home > Personal Loan: Borrow Up To $10,000! Apply Now!

Personal Loan: Borrow Up To $10,000! Apply Now!

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

Looking for a fast, easy personal loan?

If you need a little cash boost to meet a sudden and unforeseen bill or expense, a personal loan could be just the ticket. We have a few tips to help you understand what quick loans are all about.

Jacaranda Loans is an online lender, specialising in making the process of applying for a loan surprisingly fast and hassle-free. We’re an online lender so you can apply for a small loan from the comfort of your own private space rather than having to venture out to a bank and wait in lengthy queues.

What are the different types of personal loans?

Loan Type Secured Options Loan amount Loan term
Small Loan Unsecured $300 to $2,000 12 months
Medium Loan Secured $2,001 to $4,600 13 to 24 months
Large Loan Secured $5,000 to $10,000 13 to 24 months

How do I apply for quick finance?

Follow these steps for a seamless application process:

Step 1: Apply online 

Use the loan calculator at the top of the page to select how much you want to borrow and see if the repayments fit your budget.

Step 2: We’ll assess you

Once you’ve completed your application, we’ll get busy assessing it. This won’t take long, sometimes it’s as quick as 60-minutes*. We’ll let you know as soon as we’re done!

Behind the scenes, we’ll be checking that the finance you want will suit your needs and that you’ll be able to make the loan repayments without taking on any unnecessary financial pressures. If we need to, we’ll get in touch with you to confirm or ask for any information that will give us a better understanding of whether a fast loan is the right solution for you.

Step 3: Sign your contract

If you’ve been approved for a loan, we’ll send over a loan contract for you to review and sign. We recommend thoroughly reading the terms and conditions to make yourself aware of any fees or charges for late or missed payments. When you’re happy, simply just e-sign it. 

Step 4: Get your cash! 

Once we’ve received your signed copy of your contract, a member of our team will transfer your cash directly to you. You could even have your cash in your account and ready to use in 60-seconds.**

If your cash flow needs a boost to help you through some tough times, don’t be afraid to check out Jacaranda’s rates. You’ll find a full breakdown of what our loans cost over here.

Eligibility requirements

Applying with Jacaranda Finance is easy, however, there are a few minimum requirements, check them out below:

  • Be over 18 years of age
  • Receive a regular income into a personal bank account
  • Be an Australian citizen, or have permanent residency
  • Have a direct contact number

Personal loan for emergency expenses

Jacaranda Finance offers personal loans for a variety of expenses. If the unexpected hits and you need a helping hand, Jacaranda Finance is the lender to bank on. We can provide you with the easy application and fast decision you’re after. We aim to give every Aussie a fair go at getting the finance they need, when they need it. It is all about getting on top of your finances, so you can focus on the more important things in your life. Our easy application and fast outcomes makes it easy for you to cover those unexpected high bills or expenses.  

We are well aware of how easy it can be to let your finances get on top of you rather than the other way round. That’s why we offer one of the fastest loan services in the country.

Responsible lending

In addition to being quick and easy, we adhere to responsible lending practices. This means, we won’t lend you an amount that you cannot comfortably repay. Jacaranda is here to help you out of a financial strain, not make your finances any worse. So, you can be sure we will do everything we can to offer you a personal loan product that suits you and your finances. 

Our commitment to responsible lending also means that we will conduct credit checks. However, we will not assess your application solely on the basis of your credit score. We understand that life can throw curve balls and unfortunate things happen that are out of your control. That’s why we look at your bank statements and spending habits to get a better picture of your current relationship with money. After all, that’s what matters! 

So, do you have a not-so-perfect credit score? Don’t worry, we can assure you we will give you the fair go you deserve!

A few personal loan questions

There is no such thing as a stupid question, but, we want to save you time. Here are some of our most frequently asked questions about personal loans.

Can I still apply if I receive Centrelink?

The short answer is, yes! We assess our loans on affordability and suitability. So, we don’t automatically discount you because you are receiving Centrelink benefits. We know it can be hard to find lenders that offer a personal loan when you’re receiving Centrelink benefits. Luckily, Jacaranda Finance is the lender with a difference. 

We believe receiving government benefits shouldn’t necessarily prevent you from accessing personal finance. As a result, we could treat your Centrelink payments as an alternative form of income. You’ll have to receive your Centrelink benefits into a personal bank account, regularly for the past 90 days. So, if you fulfil our other requirements, we highly encourage you to apply for a loan with Jacaranda.

Do you require documents when applying with Jacaranda Finance?

Most of the time, no! At Jacaranda, we utilise the latest and safest banking and identification technology that can obtain a read-only copy of your bank statements online. So, while we do require you to provide us with certain credentials and information, you will not need to submit any physical documentation. Our application is super fast and easy, but if you are missing any documentation we will reach out to you immediately. So, keep an eye on your phone or email after you’ve applied.

What happens when I apply outside of business hours?

Lucky for you, our business is 100% online so you can conveniently apply for a personal loan at any time. If you apply during our business hours, you could get an outcome in just 60-minutes. If your application is submitted outside of business hours, we’ll get to assessing your application the next business day.

Our business hours are: 

  • Monday to Thursday – 8 am to 5 pm
  • Friday – 8 am to 4 pm
  • Saturday – 8 am-12 pm

Some parts of our assessing process are automated so make sure you keep an eye on your phone and email to see if we’ve made contact.

How quickly will I receive my funds after I’ve been approved?

Once we receive your signed contract, we can transfer the funds to you in as little as 60-seconds**!. The amount of time it takes for the funds to reflect in your personal bank account will depend on the policies of the bank you are with. If you have an NPP-enabled bank account, you’ll receive your money in just 60 seconds after you’ve signed your contract. Most banks are NPP-enabled, however, if your bank doesn’t support this platform, you’ll receive your money the next banking day. 

Do we charge interest, fees or charges?

In the world of financial management, there is a common misconception that small lenders charge eye-watering interest, fees and charges. We don’t! Our costs are simple and transparent with no nasty surprises. Moreover, our loan products are affordable. However, the interest rates and charges are subject to that type of loan you have, the loan amount and the loan duration.Try out our personal loan calculator to get an idea of your loan repayments. Just simply choose the amount you want to borrow, the loan duration (how long you want to repay the loan) and if you want to make your repayments, weekly, fortnightly or monthly

For more info on our interest rates and charges, head over to our costs page. Alternatively you can use the loan calculator on the Moneysmart website.

How could a personal loan be useful to me?

Personal finance serves many functions. They can act as a lifeline and pull you out a jam, or help you live your dreams. Imagine you’re in the middle of paying your mortgage, your insurance and electricity bills are due then, out of nowhere, your washing machine decides to break down. That’s where we come in! Whatever your misfortunes, or wishful adventures are, our simple personal loan application process could help you out. 

There are a myriad of reasons why one decides to take out a personal loan. Here are some:

Home improvements

Sometimes your home needs a touch of love, so quick finance could be an option to help you finally upgrade the bathroom or kitchen and invest in your home.


When all the bills seem to descend upon you at once, save yourself from the drama and think about applying with Jacaranda Finance. You may be tempted to charge the payments to your credit card, however, with higher interest rates, you’ll be paying more in the long term.

Pay for a wedding

Your wedding is a magical day and shouldn’t be burdened by financial stress. You can use a personal loan to fund a part of your wedding, such as the venue payment, photographer or your wedding dress.

Pay for a holiday adventure

Travel unlocks a world of wonder and excitement, so invest your time in your wanderlust fantasies and leave the finances to us. Check out our personal travel loan options.

Debt consolidation

Debt consolidation is a viable option for anyone looking to refinance. If you have multiple loans, consolidating them into a single loan may help to reduce repayments and grant you a sense of control over your finances.

Buy a car

In our fast-paced world, a car is an expensive necessity. Applying with Jacaranda Finance can help you with the purchase of a new car, or used. It can help fund any necessary repairs or rego payments.

Car registration costs

So, finally found your dream car? But did you know about all the costs associated with car registration? If you are halted by car registration expenses, Jacaranda Finance could offer you fast and easy car registration loans!

Medical bills

Need money to cover medical costs? Having to go through any kind of medical treatment can be very stressful. Medical treatment is not cheap and can really put a strain on your finances. You shouldn’t have to worry about your finances when there are far more important things to be focusing on, like your health and recovery. You can apply for a medical loan with Jacaranda Finance and you can nurse yourself and your finances back to full health!

Apply today for a personal loan!

Navigating the world of finance and learning how to borrow money can be tricky and confusing. That’s where we come in! Here are some handy ideas to follow when you’re planning to apply for a personal loan:

  • Ensure you meet the requirements for a personal loan: To save time and hassle, double check you meet the minimum requirements before applying.
  • Know your loans: Remember unsecured and secured loans? Well, it’s important to remember the difference to find out which personal loan type is right for you.
  • Apply for a sensible loan amount: Apply for what you can afford. If you fail to make repayments, it could negatively affect your credit score and your ability to borrow money in the future.
  • Check out your credit rating: Before applying, get the lowdown on your credit score to know what your options are.

At Jacaranda, we’ll always do our best to give you a fair go and, above all, act responsibly so you’re never offered a loan you can’t reasonably afford to pay back. We have created a simple and fast application process, to make financial management accessible to all.

Want to read more? Jacaranda has the lowdown on interest free loans!

*If you apply during business hours and we don’t require any additional information from you

**Subject to NPP enabled bank accounts

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% 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.