Same Day Loans
Looking for a loan outcome on the same day that you apply? Jacaranda Finance offers same-day loan outcomes2, and, if approved, you could have money in your bank account in as little as 60 seconds3 once you accept your contract.
Check If You Qualify
With no impact on your credit score!
Check If You Qualify with no impact on your credit score!
*Subject to lending criteria, T's and C's'
*Subject to lending criteria, T's and C's'
Looking for a loan outcome on the same day that you apply? Jacaranda Finance offers same-day loan outcomes2, and, if approved, you could have money in your bank account in as little as 60 seconds3 once you accept your contract.
What are Same Day Loans?
Jacaranda Finance is a 100% online lender that specialises in delivering same-day loans up to $25,000. We understand that when you want a loan you want it on your terms. That's why we offer fast approvals on the same day2 and transfers in just 60-seconds3.
We've helped folks from all corners of Australia secure same-day loans. So, when you need cash as soon as possible, look no further than Jacaranda Finance.
You can now also check if you qualify without affecting your credit score!
Benefits of our Same Day Loans
Our Same Day Application Process
Our loan application process has been created to deliver an outcome as soon as possible. After you complete your online application, we'll be in touch for any additional information or documentation, which you can upload directly to us.
Estimate Your Loan Repayments
Want to get a better understanding of what your loan repayments could be before you apply? Use our loan repayment calculator and find out what your same-day loan repayments could be.
Ready to Apply? You can get started now.
Including Interest & Fees
Ready to Apply? You can get started now.
Same Day Loan Cost Breakdown
Jacaranda’s Same Day Loans are designed to be fast, fair, and, above all, affordable, with no hidden fees. See the table below for a quick guide to our fees and charges, or visit our fees page for more information on our loans.
Same-Day Loan Eligibility Criteria
- Be at least 19 years of age
- Be employed on a permanent or casual basis, with consistent income for 90 days
- Be an Australian citizen or permanent resident with a fixed address.
- Have an active email address, phone number, & online banking details in your name.
- Be in control of your current finances and handling existing financial commitments comfortably.
Information you will need to provide:
- Basic personal information (i.e. full name, address, D.O.B, number of dependants etc.)
- Employment status & details
- Your bank statements*
*This is standard procedure for loan applications across the industry. Data is safely secured with 256-bit SSL encryption. We utilise safe and secure third-party Open Banking service providers to make this quick and easy for you.
It’s Quicker With the FastMoney App
- Easily apply for and manage your loan in-app
- Make extra repayments, check your balance & more
- Easy access to our customer service team
- Check your credit score
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Same Day Loans FAQs
Want to learn more about our same day loans and how they work? Find out all the answers to our most common questions here.
You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000.Â
For detailed information about who our products are designed for, please review our Target Market Determinations.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.
We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.
Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.
We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.
There are four credit reporting bodies that we may use to conduct a credit check:
- Equifax
- Experian
- illion
- Talefin
Review our Privacy Policy for more information.
Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.
Applying for a loan with Jacaranda Finance takes most people 5-12 minutes1, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.
After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.2
Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.3
Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.
Provided you are meeting your minimum contractual repayments, you can change the date of your direct debit payments, make extra repayments, change your bank account details and more from either the FastMoney app or online portal.
Download the app on the Google or Apple store today.
Read more: Personal Loan Repayments 101.
We are dedicated to providing you with finance when you need it, which is why we're open on Saturdays! We could provide you with a loan if you apply during our business hours on the weekend:
- Monday - Thursday: 8.00 am - 5.00 pm
- Friday: 8.00 am - 4.00 pm
- Saturday: 8.00 am - 12.00 pm
- Sunday: Office Closed
The interest rate, fees and charges applied to your loan will depend on your individual circumstances and the information verified during the loan assessment. It will also depend on our assessment criteria, loan amount, and loan term for which you qualify.
Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loan products, visit our rates and fees page.