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Quick Loans With Affordable Repayments

Personal Loans up to $15,000

Money in your bank account and ready to use in 60 seconds once approved*(1)

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Apply in less than 8 minutes

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Apply in less than 8 minutes

Quick loans made easy

When you need to borrow money urgently, you can apply for a quick loan with Jacaranda from $1,000 to $15,000. 

Our 100% online, hassle-free application takes just minutes to complete. From there, you’ll get a speedy outcome on your loan and if approved, you could get your cash transferred in 60 seconds.*

What are quick loans?

Quick loans are personal loans that are approved and disbursed in a short amount of time – usually within a day. They typically range in amounts up to $15,000 and are repaid within a span of 12 to 36 months (depending on the lender). Quick loans are particularly useful for when you’re hit with an unexpected or emergency expense that leaves you short of cash. 

What loans does Jacaranda offer? 

Jacaranda Finance offers 3 types of quick loan options. We’ve listed these loan options in the table below:

Loan Type Secured Options Loan amount Loan term
Small Loan Unsecured $1,000 to $2,000 12 months
Medium Loan Secured $2,100 to $4,600 13 to 36 months
Large Loan Secured $5,000 to $15,000 13 to 36 months

Jacaranda Finance also provides car loans from $5,000 to $35,000 with loan terms varying between 1 and 4 years. 

Eligibility requirements 

At a minimum, you must:

  • Be 18 years or older
  • Be an Australian citizen or permanent resident
  • Have a steady income for 3 months prior to applying
  • Have internet banking set up
  • Have a valid mobile number and email address

Documents to be submitted

You’ll be asked to submit the following information during your application. We recommend having these details close by to speed up the process. 

  • Personal details (i.e. Name, Address, DOB)
  • Your phone number and email address
  • The reason for your loan
  • myGov details (if you receive Centrelink benefits)
  • Online banking and employment info

How do I apply for a quick cash loan?  

Step 1: Submit an application 

To apply, head to the top of this page and hit the ‘Apply Now’ button. Using the slider, select the loan amount you’d like to borrow and the repayment term and click ‘Apply Now.’ Next, you’ll be required to provide a few personal and financial details. When you’ve filled out all the relevant fields, simply click ‘Submit.’ 

Step 2: Get Assessed

After you’ve filled out the application form and submitted it to us, a member of our assessment team will review it. If you’ve applied within our business hours, it could take us just 60-minutes to get back to you with an outcome. However, keep in mind if we do require any additional information from you, this can take a little longer. 

Step 3: Get your cash

If you’ve been approved for a loan,  you’ll be sent a digital loan agreement for you to review and sign. We recommend reading through it thoroughly to make yourself aware of the fees and charges. In most cases, people receive their cash in just 60-seconds.*

Loan costs


How do your quick loans work?

Our quick cash loans are designed to be accessible for all Aussies. To apply, all you need is a smartphone or laptop and a few spare minutes. Our application can be completed in under 10 minutes, and from there we’ll endeavour to deliver your outcome in 60-minutes.* If approved, you could have the cash transferred in just 60-seconds.*

How much can I borrow?

Jacaranda’s quick personal loans range from $1,000 to $15,000. Depending on how much you apply for, our loan terms vary between 12 and 36 months.

Can I get a quick loan with bad credit?

Yes, we’ve provided thousands of Aussies with quick loans despite having a bad or average credit score. We look at more than just your credit report when assessing your application. We’ll typically put more focus on your income and current finances.

Will you check my credit score?

Yes, we will conduct a credit check when assessing your application. We do this because it’s a legal requirement which is stated in the responsible lending guidelines set by ASIC. You shouldn’t let this deter you from applying, however, as we will also look at other factors like your income and spending habits.

Do you offer quick loans for people on Centrelink?

If you receive Centrelink benefits you can still apply for a quick loan with Jacaranda and our team will do their best to help. Our team will assess your financial circumstances to see if you’re eligible for one of our loans. the team at Jacaranda always do their best to match you with an appropriate loan product that suits your financial situation, whether you have poor credit or you’re receiving Centrelink benefits.

How long does it take to to apply?

On average it takes people 8 minutes to complete their application. To speed up the time it takes you apply, we recommend having all the relevant information and documents handy. This information is listed in the section below.

How do I pay back my loan?

Repayments are deducted via direct debit, so you won’t ever miss a repayment. You can choose to set up repayments on a weekly, fortnightly, or monthly basis. However, we’ll usually just align your repayments with your pay cycle.

What if I want to pay out my loan early?

You will not be charged an early settlement fee for paying out your loan early. So if you get on top of your finances and can afford to repay your loan before the loan term ends, we encourage you to do so. Paying your loan out early will save money in interest and monthly fees.

100% online loans

We understand the importance of speed and convenience. We’ve designed our 100% online loans to be as quick as possible, so getting the cash you need should be a breeze. There’s no need to wait days or weeks for your loan outcome, nor print or scan your documents. Apply online with Jacaranda and get you funds on the same day.

Get in touch

If you have any further questions, queries or complaints, don’t hesitate to contact us. You can send us a message via apply@jfloans.com.au. Alternatively, if you’d like to speak to someone directly you can give a call on 1300 189 823.

Reviews don’t lie 🌟

Reviews current as of June, 2021.

Our low rates

Our low rates

💰 Personal Loans starting from 8.69% (12.05% p.a. Comparison Rate)

🚗 Car Loans starting from 5.29% (5.84% p.a. Comparison Rate).

We never charge early repayment or exit fees.

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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.