Discover Jacaranda Finance



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Quick Turnarounds & Decisions
$300 $4600
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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.

Need a Quick Loan? You’ve come to the right place.

Quick loans could be the answer to the unexpected expenses keeping you up at night.

Life can take us by surprise – an unexpected expense, emergency, home or car repair we weren’t anticipating pops up and we need to find a way to pay for it, fast.

It could also be time to take the next big step, whether that means seeing the world, buying a new car or moving out of home.

The good news? Quick loans can help you take care of these sudden expenses.

Who can apply for a quick loan?

When it comes to instant loans, Jacaranda Finance understands that life happens, one way or another. That’s exactly why we offer quick easy loans for the right purposes.

We also know that bad credit ratings and Centrelink payments can get in the way of getting a quick loan. If you’re worried about your bad credit rating, you’ve come to the right place. Apply now to find out if you qualify for a bad credit quick loan. Quick cash loans can also be applied for by people receiving Centrelink payments of at least $400 a week. You can read more about Bad Credit Personal Loans and Centrelink cash advances here.

Before you apply for your quick loan, make sure you:

How do I get quick loans online?

All you need to do to start your own quick personal loan application is to complete the simple application process right here. Once you’ve filled in the short form, we will take a look over your income and various expenses and you can expect an answer – the much-anticipated YES or NO – on your quick loan application within the hour. It doesn’t get much quicker than that!

How long does it take for a quick loan to come through?

Remember that bit about getting quick loans same day? We meant it. We know you don’t have days to wait for your funds, so we work hard to not only get you an answer right away, but make sure your quick and easy loans end up in your bank account within same day – provided you apply within business hours, of course. So, you’ll be able to rest assured that your quick cash loan is hard at work helping you make those lemons into lemonade.

We’re happy to be on your side as a trustworthy, honest, and experienced service when it comes to providing you with instant cash loans for whatever life brings your way.

Quick money loans are different from other types of loans because they are just that: quick money, when you need it most. We stick to our promise of making things ‘quick’ to make it even more personalised and handy. To speed things up even further, we won’t do a credit check on any amount less than $400. Quick loans no credit checks? You read that right!

Ready to get started with your application?

How much does a personal loan cost?

At Jacaranda Finance, we’ve been able to help over 36,000 people realise their dreams. We’ve given our clients the confidence to make a big purchase, helped them with big expenses quickly and without hassle, and gotten them back up and running after life knocked them down with an unexpected bill or bust tyre.

Since our loans are unsecured, you don’t have to put any of your assets up as collateral, making it more convenient for you… and fees are topped off at 4% which won’t hurt your wallet in the long run, either.

Costs for small quick loans: Up to 20% is charged upfront. This is known as an Establishment Fee. You’ll also have a monthly fee of up to 4%. We do not charge an annual interest rate – also known as an Annual Percentage Rate or APR (%).

For more information about how our fees work, to find out what your repayments would be or for help applying for your quick loans online, you can contact us here:

Quick Loans Australia

At Jacaranda Finance we stick to the rules outlined by the Australian Securities and Investments Commission. We’re proud of our Australian Credit Licence and work hard to make sure that this is true for every part of our business.

What does that mean? Well, when you call Jacaranda Finance for quick loans, or apply for quick online loans, you’ll always be either accepted or turned away based on your actual expenses. We never accept clients if there is a concern that your repayments won’t be made. For us quick loans shouldn’t contribute to bad credit ratings. For more information about how we rate applications, call us on 1300 189 823.

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(%).


weeks minumum
weeks maximum


Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle 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

Need a Quick Loan? You’ve come to the right place. Overall rating: 4.7 out of 5 based on 147 reviews.

Great easy application

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