Home > Quick loans to cover those unexpected expenses from Jacaranda Finance
Are your Christmas bills piling up? Have you had an unexpected expense? Or are you just in need of a short term cash boost to cover a new bill? It’s not uncommon, because unexpected expenses can happen to anyone at any time. Sometimes things happen out of the blue and you need cash the same day! We get it… and the good news is, you’ve come to the right place. Because that’s exactly what we do here at Jacaranda Finance. We can offer same day cash loans. You could even be eligible for a small loan fast with Jacaranda!
To put it simply, our Jacaranda Finance cash loans are loans where (if approved) your funds will be delivered to you on the same day for you. In most cases, we can approve your loan and transfer your funds in the same day, however, this depends on your application and what time you apply. We also have no control over when your moolah hits your bank account, times will vary depending on the speed of your bank.
In the past, getting a loan was a lengthy, painstaking process. But with Jacaranda Finance we utilise the latest in safe banking technology to ensure you’re loan application process is hassle-free and fast. We understand that things don’t always go as planned and sometimes you need a helping hand. Jacaranda Finance cash loans wants to be that helping hand for you!
To apply for a possible same day loans application, simply begin with completing our fast and easy application. You can find our application form right here on our homepage. It only takes a few minutes to complete, so brew yourself a coffee and finish by the time the kettle boils!
Anyone who meets our eligibility requirements can apply for same day cash loans. The following is a list of the requirements for applying. You need to be:
One of the biggest benefits of borrowing a possible same day cash loan with Jacaranda Finance is there is no paperwork. That’s because we want our loan applications to run as smoothly as possible, for you and for us! So, the information we need can all be delivered electronically. Here is some of the information we’ll need from you:
If you want to apply for same day loans, you don’t need to be anywhere in particular. You can be at home, you can be at work, or you can even be shopping! As long as you have an internet-enabled device you can apply. That’s the great thing about us being completely online. We are very accessible!
Once you’ve applied, we assess your application and try to give you an outcome within 60-minutes of applying* (if you apply during business hours). Upon approval of your application, we will then send you a loan contract.
When you accept the contract, we’ll transfer your funds and you could receive them in 60-seconds.** However, you are welcome to reject the loan contract if you decide you don’t want to go ahead with the same day loan.
If you do accept the contract, you should receive the money directly to your nominated bank account same day! Although, it will depend on what bank you are with, as some are faster than others. So, if you don’t receive your funds the same day, you should receive them overnight at the very latest.
The main reason people need same day cash advance loans is to pay for something urgently. Same day cash loans are basically just really, really fast personal loans! There are many expenses that crop up out of the blue, leaving you having to figure out a solution fast. Here is some example of what people have used same day loans for in the past:
With Jacaranda Finance, we provide three types of same day 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|
The best way we’ve found to structure the repayment process is to set up a direct debit. You can choose for your direct debit payments come out of your account weekly, fortnightly or monthly. It’s up to you what repayment interval you would prefer. Whatever works best for you.
If for some reason you miss a payment. It is not the worst thing in the world, though it’s important to let us know as soon as possible. If you bury your head in the sand the situation won’t resolve itself. You’ll end up being charged a $35 penalty fee. So give us a buzz on 1300 189 823 and we can work together to help find a solution.
Distractions can happen to anyone, and as a result, repayments can be missed. It’s best to avoid missing your repayments not only because you’ll incur a late payment fee, but also for the reason of affecting your credit score. Yes, unfortunately, late payments get recorded on your credit report and gradually lower your credit rating. There are a few strategies that can help you get in the habit of making your repayments on time. Here are some simple ways you can stay on top of your loan payments:
The great news is that we do indeed to cash loans for people on Centrelink. However, we don’t accept all Centrelink applicants, since we assess everyone on a case by case basis. This is because we want to make sure you will be able to afford the repayments. We will never lend people more than we believe they can afford.
As part of the Jacaranda Finance vision, we do adhere to responsible lending practices. So, unfortunately, if you do not receive any income we can’t give you a loan since we need to ensure you will be able to make the repayments. However, if you are unemployed and receive a payment from Centrelink that could be considered income, i.e. carer’s payments, veteran payments, disability support or even pensions, these are the types of unemployment incomes we accept. So, why not apply and see what we can do for you!
We know that having a bad credit rating doesn’t necessarily mean you’re not good with your finances. Having a bad credit rating may be a result of things that happened in the past and things that you weren’t able to control. Perhaps you were bad with credit in the past but are now working to make a change.
That’s okay, we get it.
So, we don’t hold that against you. In fact, borrowing same day cash loans can help improve your bad credit to improve your credit rating when you are reliable with making your repayments.
Same day loans are amazing for several reasons. We can offer loans, so we wanted to highlight why we think they’re so great, and why you’ll love them too.
Our same day cash loans are 100% online – because everything completely online, this saves you time and means the whole process of applying for a loan is much easier. There’s no stress involved. Because you don’t have to travel to a bank and apply for a loan. It can all be done from the comfort of your own home.
If we hadn’t already emphasised it enough, our process is convenient and quick. From the time you apply to the time you receive your money, it can all happen within the same of a day. Times will vary depending on when you apply
Since everything is done electronically there is no need to worry about messy paperwork. This means less stress for you, and no wasting time gathering documents together.
Our same day loans is that we set repayments up to come out of your account automatically. That means you don’t have to worry about making your payments on time, they’ll just automatically be withdrawn from your account.
Another great thing about the loans we can offer, is that you can pay your loan of early if you want to. We also won’t charge early exit fees. So, if you decide you’re ready to pay off the rest of the debt you owe, you can feel free to do that.
If you can’t make your repayments for whatever reason, you can just contact us. We can negotiate a solution that works for both you and us.
Before making any decision it’s important to consider all the implications before you dive in and commit to accepting the loan.
A big part of your decision will be what you need a same day loan for. It’s likely that you have a clear idea about why you need to borrow the loan. However, if you don’t have a clear purpose of what to use your loan for, then it’s probably not a good idea to borrow. If you are just getting a loan to keep up with your everyday expenses, then this is risky. You could end up getting into a dangerous debt cycle this way.
An important thing to keep in mind for when you borrow a loan is to ensure you can afford the repayments. To help evaluate how you can afford repayments, devise a budget and work out what all your expenses are. Knowing exactly what your monthly expenses are will help you to work out if you can fit the repayments comfortably into your budget. This is important because if you can’t afford the repayments, and you miss repayments, you will be charged a dishonour fee of $35. In addition, missing repayments will harm your credit score.
After you apply, if you’re approved, you’ll be offered a loan contract. The contract will outline all the terms and conditions of the loan. This includes the fees and charges, the length of the loan term and other responsibilities that you have as a borrower. If you don’t like the conditions outlined in the loan contract it may not be a good idea to ahead with the loan.
If you would like to find out more about loans in general, head to the Moneysmart website, which has a bit more information about them for you.
So, now that you have all the facts, you may feel that a possible same day loan from Jacaranda is exactly what you need. There are a multitude of benefits you can enjoy with same day loans, so apply now! and we’ll do our best to offer same day cash loans.
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Find out about Jacaranda loan applications!
*If you apply during business hours and we don’t require any additional information from you
**Subject to NPP enabled bank accounts
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.