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Same Day Cash Loans
Personal Loans up to $10,000Money in your bank account and ready to use in 60 seconds once approved*(1)
Quick and easy same day loans
If you’re after a bit of extra cash and don’t have time to waste, then a same day loan could be your solution. Jacaranda Finance provides hassle-free cash loans up to $10,000. Simply apply online, and you could have the cash in your pocket and ready-to-spend in just a few hours.
What are same day cash loans?
Same day loans are personal loans that can be accessed quickly and conveniently.
These loans usually range from $300 to $10,000 with repayment terms ranging anywhere from a couple of months to a few years. Same day loans have only become available in Australia in the last decade. Online lenders, like Jacaranda Finance, use innovation and technology to speed up the lending process, enabling borrowers to get funds on the same day they apply.
100% online loans
Our application process is 100% online which means we can deliver fast outcomes on personal loans. You can now apply for a loan and get your cash without leaving the house. Gone are the days of filling out piles of paperwork, taking trips to the bank and waiting in lengthy queues. Simply hit the ‘Apply’ button at the top of this page to get your application underway.
The application process
Our loan application process is very straightforward and simple. Not only will you be able to get a loan on the same day you apply, but you could get it in just a few hours.
How long does the application take?
On average, it takes people 8 minutes to complete our online application form. Here you’ll be asked to provide a few personal and financial details, as well as the reason for your loan.
How long will it take to get approved?
If you apply during our business hours, then you could get your outcome in just 60-minutes. We’ll let you know you if you’ve been approved or not for a loan as soon as we’ve made our decision.
How quickly will I receive my cash?
If you’ve been approved for a loan, you’ll first need to sign your digital contact. Once we’ve received your signed contract, we’ll transfer your funds directly to you. In most cases, people receive their funds in 60 seconds or less.
Same day loan options
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 |
Who can apply?
Before applying for one of our cash loans, you need to ensure you meet the following requirements. All eligible applicants must:
- Be at least 18 years of age
- Be an Australian citizen or permanent resident
- Be Earning a regular income, for a minimum of 90 days prior to applying
- Have a mobile number and email address
- Have internet banking set up
What information do I need to apply?
One of the biggest benefits of borrowing a 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:
- 100 points of ID
- Email address and contact number
- Your purpose for applying for the loan
- Internet banking details
- MyGov details (if you receive Centrelink benefits)
Same Day loans Costs
Loan Amount: | $300 to $10,000 |
Loan Term: | 12 months to 24 months |
Repayment Frequency: | Weekly, Fortnightly or Monthly |
Repayment Facility: | Direct Debit |
Secured Options: | Secured and Unsecured |
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For a more detailed breakdown of our interest rates and fees, visit our personal loan rates page.
Frequently asked questions (FAQs)
Can I get a same day loan with bad credit?Yes, you can. We understand that it can be hard to maintain a perfect credit history. We also know that your credit score doesn’t always accurately represent your reliability as a borrower. Instead, we prefer to focus on your current finances likes your income and spending habits when assessing your application.
In fact, borrowing a same day cash loan can help you improve your credit rating (if you stay on top of your repayments).
I’m on Centrelink, can I still apply? We can provide cash loans to 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 to anyone who can’t comfortably manage the repayments.
Do you do no credit check same day loans? No, we don’t. We conduct a credit check on every eligible applicant, but we prefer to focus more on your income and current finances. So, If you have bad credit then you’re still welcome to apply for one of our fast cash loans.
How do the loan repayments work?Loan repayments are made via direct debit. We do this so you won’t have to worry about remembering to make repayments. We can set up repayments on a weekly, fortnightly or monthly basis but we’ll usually just have them aligned with your pay cycle. This ensures that you’ll have enough money in your account when it comes to paying.
Why choose Jacaranda Finance
- We are a homegrown Australian business
- 100% online application
- No physical paperwork
- Quick outcomes and instant transfer
- Helpful customer support
- Transparent rates and fees
- No early payout fees