Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


Quick Turnarounds & Decisions
$300 $4600
Adjust the above slider to your desired loan amount
(you will be sent a verification code by SMS)

Loans from $2100 to $4600 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a 20% Establishment Fee and a 4% Monthly Fee. Under the current legislation lenders do not charge an annual monthly interest rate for our Small Amount Credit Contracts. You may know this as Annual Percentage Rate or APR(%). Click here to see a worked example.

The Annual Percentage Rate for Secured Medium Loans is 48%. Comparison Rate is 66.0347% p.a. This comparison rate is based on a Medium Amount Credit Contract for an amount of $2,500 over 2 years and a $400 establishment fee. Fees and charges are payable. Click here to see a worked example.

Queensland cash loans

Queensland cash loans up to $4,600. Apply now!

We all know that money doesn’t grow on trees, but thanks to Jacaranda Finance it doesn’t have to! With Jacaranda Finance Queensland Cash Loans, you can tackle any financial emergency head on and get back to enjoying life sooner.

Jacaranda Finance is for all Australians. Therefore, it doesn’t matter where you are in the country, we could have a loan for you. Our Queensland cash loans are for anyone who’s living it up (or trying to anyway) in the Sunshine State.

how it works question

Who is Jacaranda Finance?

Jacaranda Finance is Australia’s fastest growing short-term cash loan lender. We have worked with over 22,000 Australians to achieve their cash loan goals and pride ourselves on being second-to-none.

It is also a huge advantage being 100% online. We’ll look at just 90 days of bank statements and a Centrelink Income Statement, if you receive one. We can offer a quick loan service tailored to our customers – without tedious paperwork.

Further, we pride ourselves on being responsible lenders. So, you will never get any nasty surprises with your Jacaranda Finance Queensland Cash Loan.

how it works question

What is Jacaranda Finance Queenland Cash Loans?

Personally, this cash advance loan is one of our favourites. This is because we have custom-designed the Jacaranda Finance Queensland Cash Loans for the hardworking locals of our beautiful home state.

We decided to offer this short-term loan quite frankly because we understand the difficulties Queenslanders face in the growing costs of day to day living. We wanted to offer our support for those trying to keep ahead in tough financial times.

So whether you’re looking for bank loans Queensland or standard cash loans. Maybe you just can’t catch a break with the bank? Or if you’ve had bad credit or receive Centrelink payments, we could have exactly what you need: Queensland cash loans.

how it works question

What are some examples of Queensland Cash Loans?

You could use your Queensland cash loans for anything you like! It’s completely up to you what you need that extra cash for. The only thing you can’t use your cash loan for is to pay off another cash loan.

Some examples of our Queensland cash loans are:

And the list goes on. Like we said, it’s completely up to you. Only you know how much you need and what you need it for.

how it works question

Why choose Jacaranda Finance?

For us, there’s no question. We believe you should choose a Queensland cash loan with Jacaranda because no one will look after you better. Our loans range from $300 to $4,600 over a 12 to 24-month repayment term. You can apply for them online in just 4 minutes! Once approved the funds can be in your nominated bank account within 24 hours.

We are upfront and transparent – so you know with confidence what the loan will cost you from the very beginning. Our small personal loans (from $300 to $2,000) are also unsecured. Therefore, you won’t need to attach an asset to smaller loan amounts.

So as you can see there are a lot of reasons that we think we’re a pretty excellent lending option. Though you don’t need to take our word for it! Apply now and find out for yourself!

how it works question

How can I benefit from Queensland cash loans with Jacaranda Finance?

Our cash loans carry many benefits for our clients. If you’re not sure exactly how a Jacaranda Finance cash loan can help you, here’s how.

They’re simple – Our application will be the easiest thing you do all day! The whole process will only take you a few minutes to complete and that’s the hard part over! Once you’ve submitted your application you can relax and get back to your day. We’ll be working hard to put together the most suitable offer for you! No paperwork, no long wait times, no hassle!

They’re fast – We know how frustrating playing the waiting game can be. Therefore, we strive to offer to fastest bank loans Queensland has to offer. With 60 minute approval times and fast cash straight to your bank, you’ll be blessed with extra time and money!

No paperwork – As we said before, you won’t need to print off any documents or mail anything through when applying for your cash loan. Everything is done online, even your contract. It’s an electronic contract which means that once you’ve read through it properly you just sign it electronically and email it back to us. It’s as simple as that. As our services are 100% online, it will take you half the time and half the effort to complete the whole cash loans process, compared to banks and other traditional lenders.

We’re completely transparent – With us, what you see is what you get. This means that there are no hidden fees whatsoever when it comes to the costs and charges associated with our Queensland cash loans. We can guarantee that you will never be faced with a fee that hasn’t already been disclosed in your loan contract. Once we’ve earned your trust, we will never break it!

Our small personal loans cost a 20% establishment fee and a 4% monthly fee. And our medium secured personal loans ($2,001 – $4,600) cost a $400 establishment fee and an annual percentage rate of 48%. We will also charge you with a $35 dishonour fee for both types of cash loans if you fail to make a payment. But that’s it! No hidden fees, no hassle!

To find out more about the costs of small personal loans and medium secured loans, check out the Moneysmart website.

You can apply wherever, whenever – As we are completely online, you can submit an application from wherever you are in Australia, at any time. If you’re just about to hop into bed and you realise your phone bill is due tomorrow, just jump on to our website and submit an application! We’ll be able to approve it as soon as we’re back in the office and your bill will be paid before the day is done.

They will save you in times of emergency – If you’re starting to stumble over your finances, our Queensland cash loans will be the knight in shining armour you need to pick yourself back up. With fast approval times and fast cash straight to your bank, you won’t even have time to reach full panic mode before your bills are paid and your stress has gone away. Whether your car has broken down, you broke your phone, you’ve got a dental emergency or your dog is sick, we’ll always be there to help you find your feet.

The repayment process is as simple as they come – Before you sign your electronic contract, one of our lovely customer service attendants will ask you to select a day – either weekly, fortnightly or monthly – in which you’d like the payments to come out. Normally it’s a good idea to set this day in line with your payday so you always have money in your account. Then we’ll organise for the money to be directly debited out of your account on that day for the full term of your cash loan. You won’t need to remember to make a payment or even have to think about them at all. The money will just come out automatically. Then, once you’ve paid off your loan, the payments will stop automatically so you don’t need to worry about organising that yourself. It’s all done for you.

It won’t cost you to pay off your loan early – If you decide you want to throw some extra money on your payments to pay out your loan early, we won’t charge you to do so with us. Many lenders charge early exit fees so they don’t miss out on that interest, not us! It won’t cost you a thing to pay your cash loans off early. In fact, you’ll end up saving money on interest and monthly fees! We’ll always encourage our clients to pay out their loan as quickly as possible, without hindering their financial situation, of course.

how it works question

Am I eligible for a Queensland cash loan?

As responsible lenders, we must have certain criteria in place to ensure that our clients are able to repay their bank loans Queensland. To qualify for a cash loan with Jacaranda Finance, you must be:


Be over 18 years of age

Receive a regular income into a personal bank account

Be an Australian citizen, or have permanent residency

mobile wifi
Have a direct contact number

how it works question

Can I get Queensland cash loans with bad credit?

While we do conduct credit checks on some of our new customers, credit history is not the only thing we look at. We understand that things happen sometimes and mistakes are made. Those mistakes are in the past and as long as you’re willing to make the effort to learn from them, you shouldn’t be judged on them alone.

We believe that we get a much more accurate representation of your true financial situation by focusing more on your income and your relationship with money. We use custom-built technology to access 90 days of your bank statements to get a better look at your individual spending habits. This allows us to gain a more general understanding of your situation as a whole instead of just your past mistakes.

Like we said, the only reason we would decline an application is if the applicant was unable to repay their loan. Your credit rating may not have anything to do with it. Therefore, bad credit or not, apply today for your unexpected bills loan. We guarantee we’ll always give everyone a fair go.

You’re sold, right? Get started today!

Now that you’ve made the decision to apply for Jacaranda Finance Queensland Cash Loans the hard work is done! Simply click submit on your online application and get back to enjoying the Queensland sunshine. One of our dedicated team will be with you shortly to discuss your application.

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum


Up to 20% Establishment Fee charged upfront + monthly fee up to 4%

Under the current legislation Jacaranda Finance Pty Ltd does not charge an annual interest rate. You may know this as Annual Percentage Rate or APR(%).

In APR terms, the maximum annual percentage rate on our loans between $300 and $2000 is 199.43%.


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $480 (fees based on 4% per month over 50 weeks) = $1,680 total repayable in 50 weekly installments of $33.60.

Example of how our medium secured personal loans work

Loan amount

$2,001 minimum
$4,600 maximum


Annual Percentage Rate (APR) is 48% Comparison rate is 66.0347% p.a.

This comparison rate is based on a Jacaranda Secured Medium Loan for an amount of $2500 over 2 years and a $400 establishment fee. Fees and charges are payable.


months minumum
months maximum


Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly instalments of $61.27.

For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Queensland cash loans up to $4,600. Apply now! Overall rating: 4.7 out of 5 based on 148 reviews.

Great easy application

5 5 1
Very fast easy to apply thank you so much