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Home > If You’ve Been Searching For ‘Small Loans For Bad Credit’, Look No Further.

If You’ve Been Searching For ‘Small Loans For Bad Credit’, Look No Further.

If You’ve Been Searching For ‘Small Loans For Bad Credit’, Look No Further.

Can I Get Small Loans For Bad Credit?

Small loans for bad credit – bet you thought they didn’t exist. Well, think again – because with Jacaranda Finance they do. Jacaranda is a trusted name when it comes to lending. We get it. Most of the big banks won’t even take a second look at a small loan, even if you have bad credit.

That’s where we are different. At Jacaranda, we look at the whole picture rather than just your credit score. So, if you have the means to repay the loan you could be approved in minutes. Don’t waste another second, apply for a small loan today with the experts in bad credit lending.

Why Choose Jacaranda

You might be thinking, ‘so what makes you guys any different?’ Well, that’s the easy part. Jacaranda is 100% online. That means you can apply for a loan anytime and anywhere you like – even in the comfort of your own home. We are proud to be nationwide, that means you aren’t restricted by your location.

Our experienced lenders are committed to providing excellent service and responsible lending no matter where you are. Our loan application process is simple and could only take you a few minutes to complete. You could even have the cash in your account by the end of the day.*

*This will depend on your individual banking circumstances.

Who Are We?

Jacaranda is a 100% online lender. All of our applications are done through our website making our approval process as streamlined as possible. We do our best to get back to our applicants with a decision within 60-minutes of application. Our experienced team of lenders know how difficult it can be dealing with the big banks. Not many of us have the time to wait around.

When you need cash right now, we understand you definitely don’t have time to wait around. That’s why, at Jacaranda, we cut through the red tape and could approve your loan at lightning speed.

If you’re wondering whether or not Jacaranda can help you with small loans for bad credit, we suggest submitting an application. Our team will do their best to get back to you ASAP.

Who Can Apply?

We encourage applications. After all, that is the only way we will be able to tell you if you are eligible for a loan or not. But, there are a few criteria that you will have to be aware of before applying…

  • All applicants must be over the age of 18 (that’s an obvious one)
  • An active email address and phone number must be provided (so we can get in contact)
  • You must have received some kind of regular income for the last 90 days into an account of your own
  • You need to have internet banking set up

Why Do These Criteria Apply?

Due to our commitment to responsible lending, all applicants must meet these simple criteria. Many of our applicants ask why we need their internet banking details. We need online banking details to double check any regular payments that are made into your account as well as your spending habits.

There’s no need to worry though – this is routine and just a part of the application process. Your information is always safe as Jacaranda use the latest in safe banking technology and access read-only copies of your bank statements. We encourage all applicants to get in touch at if they have any further questions. We are here to help!

What Will I Need To Apply?

We don’t need all that much from you. Just the usual details. We prefer to keep it super simple. Our application form is 100% online and designed to be as user-friendly as possible. The application process could only take you a few minutes to complete. To make it even faster it’s a good idea to have these details close…

  • The usual personal details
  • Online banking info (so we can access read-only copies of your bank statements)
  • An active email address and mobile number
  • The reason you are applying for the loan
  • Your MyGov login details (if you are a Centrelink recipient)
  • Employers contact details (in case we need to verify your employment)

Pretty simple, isn’t it? We only need to basics. Jacaranda is a lender with a difference. We cut straight to the chase so you can get the cash you need as quickly as possible. Even small loans for bad credit could be approved within minutes. Our team is always here to help, so if you have any questions you can contact us at

Superb Customer Service

We hate it, too. Spending hours on the phone to the bank can be an absolute nightmare. You never talk to a real person. It can seem like you’ll never get anywhere. If you head into the branch, unfortunately, it’s never much better. That’s where we are different.

At Jacaranda, our team is committed to providing the best possible service possible. We love happy customers. That’s why we focus on getting you the cash you need right now – not in 3 weeks time. If you need to ask questions, we encourage it. Our experienced team of lenders is always here to make sure you have the low down on your individual loan product. You’ll never be left in the dark.

Can I Get a Small Loan?

Yes. At Jacaranda, we offer small loans. We prefer to look at where you are going rather than where you have been. Our expert lenders will take a good look at your current relationship with money as well as the way in which you plan to pay back the loan. However, this is not to say we won’t check your credit score at all.

We might check your credit score as a part of the application approval procedure, however, this will only be one of many contributing factors. If you’re thinking about applying for a loan but unsure how your credit will affect your chances of approval, we encourage you to give us a go. Let Jacaranda show you what we can do for small loans bad credit approval.

Centrelink & Small Loan Credit Approval

Many applicants believe that if they are receiving Centrelink benefits they are automatically ineligible for a loan. Well, at Jacaranda, we don’t believe in stereotypes. We take a positive approach to lending. If you are receiving Centrelink payments we will need to access what percentage of your income they make up.

However, depending on the circumstances, this may not matter. If you are employed we may need to contact your workplace for confirmation – however, this is all a part of the process. At Jacaranda, we do everything we can to get you approved as quickly as possible. Regardless of your personal circumstances, you will get a fair go with Jacaranda when it comes to small loans.

What Kind Of Loan Can I Apply For?

Good questions. Small, medium and large loans are all available to Jacaranda applicants. Before you apply, it’s a good idea to check out the details and see what is going to work best for your personal circumstances…

Small Loans

Jacaranda Finance offers small loans from $300 to $2,000 that can be repaid over a 12 month period – how good is that. Small loans don’t require equity as they are unsecured. So, they are the perfect quick fix. If you’ve run into trouble and need a quick fix then a small loan might be for you.

Medium Loans

Medium loans are available for cash between $2,001 to $4,600 and can be repaid over a period of 13 to 24 months. You’ll need to attach something to a medium loan – this what we call equity. Equity could be anything from a car to a motorbike to a caravan, it’s up to you.

Large Loans

Large loans are cash loans anywhere between $5,000 and $10,000. The repayment period on large loans can be anywhere between 13 to 24 months.

Before You Apply

If you’re planning on applying for a small, medium or large loan we suggest you check out the possible costs associated with each personal loan type. We encourage all applicants to do as much research as possible and consider what loan product is going to suit their lifestyle. At Jacaranda, our lending specialists are always here to help. So, if you have a question, just shoot it through to

Something To Remember

Some of our loans may have other payable charges. For example, if you miss a payment on your small loans you may be liable for a late fee. However, this will be clearly outlined in your contract agreement.

Jacaranda is proud to be 100% transparent. This means these fees and charges will never be secret. We will always make sure you are aware before you enter into your agreement. We encourage our customers to take a look through their agreement and run any queries by our team.

How Do The Repayments Work?

Our repayment process is super simple. If you are approved for small loans for bad credit your lender (in this case Jacaranda) will set up a direct debit for you. This means you won’t have to worry. The money will be taken out of your account every week, fortnight or month – whatever your loan agreement states. This saves you the drama of having to remember to make payments.

You don’t need to physically make any payments, they will be automatically deducted from your account. The only thing you will have to do is make sure the money is in your account. At Jacaranda, we like to make things as drama-free as possible so you get the cash you need as fast as possible.

Application Process

Online Application

If you’re ready to apply for a small loan for bad credit all you need to do is head over to our website. Using the loan calculator at the top of the page you can select the amount and repayment period. The weekly, fortnightly and monthly repayments will then be available and you can select a schedule that suits you. As soon as you hit ‘Apply Now’ your loan application will be accessed by a member of our awesome team.

Application Assessment

Once your application is submitted you can sit back and relax – there’s nothing more we need from you. Our team will do all the hard work. If we need further details we will be in touch. As previously mentioned, we may be required to contact your workplace to verify your employment as well as access read-only copies of your bank statements. But, your info is safe with us. We use the latest in safe banking technology to ensure your privacy.

Cash In Your Hand

Our main priority is getting the cash to you as soon as possible. We love making our customers happy. So, we will do everything we can to get an answer to you within 60 minutes of application. If all goes well, you could even have the cash in your account by the end of the workday. We really do love fast cash.

Give Jacaranda A Go

You’ve got nothing to lose. If you’ve been searching for a reliable lender you’ve come to the right place. We do our best to provide small loans for bad credit as hassle-free as possible. There’s no time like the present. Stop thinking and start doing. Apply today and you could get speedy approval for a small loan.

Want to read more? Check out what Jacaranda has to say about consumer loans, consumer loans, money lending even fertility financing and cheap car loans!

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

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Our low rates

💰 Personal Loans starting from 7.59% (12.24% p.a. Comparison Rate)

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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.