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Home > Looking For Same Day Loans? Jacaranda Could Have The Cash You Need

Looking For Same Day Loans? Jacaranda Could Have The Cash You Need

Looking For Same Day Loans? Jacaranda Could Have The Cash You Need

Can I get same day loans?

If you’ve been looking for fast cash then you might have just struck gold. Same day loans with Jacaranda could be the answer to your problems. Jacaranda is determined to provide speedy, convenient and hassle-free loans when you need it. Yes, even on the weekends! If you apply for a same day loan within our regular business hours, the team at Jacaranda will do their best to get back to you with an outcome in 60-minutes.

Jacaranda is now offering instant banking. That means you could have the cash in your account in just 60 seconds once you’ve signed your loan contract. No more waiting around, when you need fast cash turn to Jacaranda Finance!

What are Same Day Loans?

Are you wondering what we mean by same day approval loans? Let us make it simple. A same day loan is basically just a personal loan you could get on the same day you apply. At Jacaranda, we do our best to provide speedy service for customers who need cash quickly. If you apply within AEST business hours then you could very well receive your cash on the same day.

The best part is our entire process is 100% online. That means you can apply wherever you are and whenever you like without the fuss of paper forms. The Jacaranda team makes the application process as simple and painless as possible. It is important to remember that our team does their best to get you the same day loans you’re looking for. Unfortunately, however we can not guarantee every single applicant will receive their cash on the same day. If you don’t receive your cash the same day you apply, you will likely receive it the next business day.

Jacaranda Australia

At Jacaranda Finance, we’re an award winning online lender offering personal loans and car loans to Aussies all across the country. We know that sometimes everyone just needs a leg up. Our aim, whether your loan application is successful or not, is to help you move forward with life. We’ll do our very best to match you with an appropriate same day loan product as quickly as possible. We won’t want to waste your time.

We know there’s a certain stigma when it comes to online and payday lenders. Well we’re out here doing our best to change that. We’re a trusted name in online lending and we pride ourselves on our honesty and transparency, we don’t just tell our customers what they want to hear. We’re honest. If the loan assessment team isn’t able to find you a same day loan we’ll tell you immediately. If we have found you a same day approval loan we’ll get the cash to you as fast as possible. That’s our commitment to quality customer service. When you submit an application with Jacaranda, you are dealing with a responsible lender.

Responsible lending

Jacaranda has a commitment to responsible lending. What does that mean? Essentially, responsible lending means we don’t take advantage of our customers. We will never lend an amount of money that we do not believe the applicant will be able to repay. At Jacaranda, we want to promote financial health and well being. We do our best to set our applicants on the road to financial freedom. Our team is here to assist you through the process. We encourage our applicants to get in touch for any questions they may have or head to our FAQ page.

What makes Jacaranda different?

We consider ourselves experienced lenders and we differ from traditional lenders in the way we assess applications and view credit scores. We are determined to give every Aussie a fair go at getting the finance they need. Additionally, we have identified some of the main issues that caused customer frustration with other lenders: printing out paperwork, long waiting times, and difficulties getting their application approved. That’s why we follow a modern and faster approach to lending: No paperwork, 100% online applications with a fast outcome, and loan options for a wide range of customers.

We assess your individual case thoroughly and look at your financial situation from all angles. We look at the broad picture of your financial situation. This includes looking at your bank statements and your spending habits to get an accurate idea of your financial circumstances and overall relationship with money. While we want to provide access to personal finance to as many Australians as possible, we will make sure that we don’t lend you money we believe you may struggle to repay.

Worried About Bad Credit?

Does the thought of your credit score make you shudder? Well, lucky for you, Jacaranda looks at more than just your credit report. We understand that sometimes life throws a curveball (or two). At Jacaranda, we don’t think a mistake you made up to 7 years ago should stand in the way of a same day loan.

At Jacaranda, we do conduct credit score checks on same day loan applications as a part of our commitment to responsible lending. Don’t let that throw you off though. At Jacaranda, we will take a look at how you’re actually going to repay the loan – that is the most important part! Jacaranda looks at your employment status, income and spending habits to determine whether or not a same day loan is a responsible option.

So, if you’ve been looking for same day loans for bad credit you might have come to the right place. The good news is, an application won’t cost you anything. Our team will take a look at your application and do their best to get back to you with an outcome in just 60-minutes*. Just scroll up to apply!

Ways to improve your credit score

Even though Jacaranda Finance could offer you same day loans with bad credit, you can better your chances at getting approved for same day loans by improving your credit score. If you’re worried about your credit score, don’t sweat it! To ensure you make the most of positive credit reporting you should:

  • Pay your bills on time; setting up direct deposits/debits is a good way to ensure this;
  • Try not to switch credit lenders too often;
  • Notify your lender of your new address;
  • Research and only apply for credit when you need it;
  • Keep balances low on credit cards and other revolving credit;
  • Negotiate outstanding balances.

Improving your credit score won’t happen overnight. However, stay consistent with the tips above and it will begin to increase over time. You may be able to improve your credit score within one to two months. It could take longer, depending on what’s dragging down your score and how you handle it.

Check your credit score for free

Fortunately, it is easy to check your own credit score in Australia. You can access a free annual credit report from each of the following credit agencies:

When applying for same day loans, it is always a good idea to do a credit check online to ensure you’ve got a positive credit score. If your credit score is less than perfect, you should improve your credit score. However, results can depend on what credit reporting agency they use. So, try using a few sites to give yourself a good idea of where you stand.

Who can apply?

At Jacaranda, we like to keep the application criteria as simple as possible. So, if you’re considering an application, here’s what you’ll need to keep in mind:

  • Applicants must have an active mobile phone number and email address;
  • You must have internet banking set up;
  • All applicants must be over the age of 18;
  • You have had a regular income for the last 3-months into a personal bank account;
  • You must be able to prove you’re an Australian citizen or Permanent Resident.

What documents will I need to submit?

When applying for same day loans online, you will be required to submit documentation online. Don’t stress through, our team will only ask you to provide the basics. Our application form could only take you a few minutes to complete, we suggest having these documents handy:

  • Your basic personal details (name, D.O.B etc);
  • Internet banking details (so we can securely access read-only copies of your bank statements);
  • The reason you are applying for your loan;
  • Your MyGov details (if you receive Centrelink or Government benefits);
  • Employment details and contact info of your workplace (we may need to get in contact in order to verify your employment status);

Will my employer be contacted?

At Jacaranda, we do conduct employment checks when you apply for same day loans. We will only contact your employer if we need to verify your employment or request additional information.

If you’re concerned about privacy, there is no need to be. Our team is the best in the business when it comes to employment checks. We know the meaning of discretion. Your employer will never be notified of any personal or private details, including the reason why you are applying for a personal loan. If you’ve got questions regarding employment checks you can head to our FAQ page or get in touch with the Jacaranda team.

Why do I need to provide my online banking info?

At Jacaranda, we like to look at the whole picture. We use online banking details to access read-only copies of your bank statements – we won’t actually access your real bank account! Bank statements give our assessment team a better idea of your current financial situation and allow us to determine whether or not a same day loan is suitable and affordable for you. When you choose to apply with Jacaranda you can rest easy knowing that we use the latest in bank-level security to ensure your passwords and personal information are always encrypted. We take privacy very seriously! If you’ve got questions you can get in touch with the Jacaranda team or head to our FAQ page for more info.

What if I receive Centrelink?

At Jacaranda, we don’t think Centrelink should necessarily have to prevent you from applying for a same day loan. Our team is committed to giving all Aussies a fair go when it comes to a personal loan. If you are receiving Centrelink or Government benefits, our team will take a look at what percentage of your income is drawn from these benefits along with a number of other financial factors.

We can not guarantee approval for every applicant receiving Centrelink, however, we can guarantee that we’ll do our best to match you with an appropriate loan. If you’re unsure, we encourage you to apply. The application itself costs nothing. Our team will look at your current situation and could get back to you with an outcome in 60-minutes (if you apply in AEST business hours). So, there really is nothing holding you back!

The best in customer service

At Jacaranda, we think we’re pretty good when it comes to customer service. Our applicants are our top priority. Without you, there is no us! The Jacaranda team endeavours to assist all applicants with their applications. We want to make accessing same day cash loans online as simple and hassle-free as possible. We’re always here to help.

The Jacaranda team is friendly and down to earth. We are real people and we know that when you need fast cash there is no time to mess around. We cut through the red tape and make the process simple and straightforward. After all, why should a personal loan take days on end to access? We don’t do hours in line at the bank or pages and pages of unnecessary forms. We work for local Aussies when they need it most!

Can I apply on the weekend?

Yes! Jacaranda is proud to be offering same day cash loans on the weekend. Not only that but you could have an outcome in just 60-minutes.* What’s even better is, if you’re approved, you could also have your cash in your account and ready to use in 60-seconds**. It is important to remember that, in order to gain possible same day loan approval, you will need to submit your application during business hours. Make sure you check our opening hours before submitting an application for a same day loan or get in touch with our team for more information.

Ready to apply?

Are you ready to apply for a same day cash loan? If so, here’s what you’ll need to do:

Step one: Apply online

To get started, just scroll up and use our loan calculator to select an amount and repayment period. When you’re happy you can click ‘apply now’ and our team will start assessing your application.

Step two: We’ll assess your application

The Jacaranda team will then get to work assessing your application. We’ll do our best to match you with an appropriate loan product. If we’re unsuccessful we won’t waste your time – our team will let you know straight away. If we have been able to find you a same day loan then we’ll send you a contract.

Step three: Review your agreement

The Jacaranda team will send over an agreement for you to review and sign. We encourage all our applicants to read over their contract carefully. At Jacaranda, we don’t believe in hidden fees or charges. We will always be upfront. If you’ve got questions, just ask. When you’re happy with our agreement just e-sign and send it back to us.

Step four: Get your cash!

As soon as we receive your signed agreement the cash will be transferred straight to your account. If your bank supports instant transfers then you could have the money in just 60-seconds. If not, you’ll get the cash in the next round of banking.

4 Ways to improve your chances of approval

If you’re concerned about getting approved for a loan, there are a number of things that you can do to improve your chances. Below we’ve provided a Jacaranda guide on simple things you could look at doing: 

  1. Check with the lender first: Before applying, it might be a good idea to contact your lender by phone or email to have a chat on whether a loan is suitable and affordable for you. They might not be able to give you a definitive answer on whether you’ll be approved or not, but any additional information definitely won’t hurt. This could give you a good idea on which lenders are more likely to approve your application
  2. Try to improve your credit score: If you have bad credit, unfortunately, there’s no real quick fix. However it is definitely something that, if you commit to, will improve over time. Some things you can do to improve your credit score include paying your bills on time, reducing your debt, not applying for too much credit and disputing any inaccuracies on your credit report. 
  3. Don’t apply for more than you need: Lenders will typically assess whether the loan amount you’ve applied for is fit for its purpose. Don’t apply any more than you need as applying for too much may be unaffordable and unnecessary
  4. Show evidence that you’ve been sticking to a budget: If you’ve been sticking to a consistent budget for some time, this shows your lender that you are responsible with money. 

What are you waiting for?

So, what are you waiting for? Whether it’s bad credit or Centrelink benefits, Jacaranda Finance could provide you with same day loans for a variety of different financial situations. An application will cost you nothing and you could have an outcome in just 60-minutes (if you apply during AEST business hours). We want to make it simple and fast for all Aussies to access reliable same day cash loans! You could scroll up and apply right now.

Want to know more? Check out how a personal loan could help with your next move!

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

**If your bank supports NPP transactions

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

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