Discover Jacaranda Finance

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We give you the outcome of your application the same day
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FAST ASSESSMENTS

Quick Turnarounds & Decisions
$300 $10000
$2000
Adjust the above slider to your desired loan amount
Weekly
Fortnightly
Monthly
(you will be sent a verification code by SMS)

Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $10,000 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 flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

Need quick cash? Apply now for your quick loans!

Quick Loans Up To $10,000 – Apply Now!

Quick loans could be the answer to some of the money stress that’s keeping you up at night. If you’ve been hit with some surprise expenses or you’re struggling to get on top of your credit card bills, quick loans could be exactly what you need. If you find that, in the few brief moments your mind lets you sleep, you’re dreaming about quick cash, we’re the ones that can help make that a reality for you.

With quick cash loans from $300 all the way up to $10,000, you’ll be able to rest easy knowing that your bills can be covered. At Jacaranda Finance, we can offer you fast approval times and same day cash transfers. With service this quick you’ll be back to getting your recommended 8 hours a night in no time.

how it works question

How do quick cash loans work?

Our quick loans are as simple as they come. There’s no tedious paperwork to fill out or pages of documents you have to send through. Our quick cash loans applications are done 100% online and the whole process will take you just minutes to complete. You’ll just need to fill out the application form and then sit back and relax while we take care of everything else.

We take the stress and frustration out of applying for quick loans. We offer one of the fastest loan services in Australia and we pride ourselves on our customer service excellence. Therefore, if you’re in need of some quick cash, we’re here to help with Jacaranda Finance quick cash loans!

All you need to do is jump onto our Home Page and enter the amount you’d like to borrow into the loan calculator at the top of the page. Then, select the length of your repayment period and click ‘Apply Now’ to complete the application form. After you’ve filled out the application form and submitted it to us, we’ll get to work assessing your financial situation. If you’ve applied within normal business hours, it could take us as fast as 60 minutes to get back to you with an outcome. However, if we require any additional information from you, it can take a little longer. We know that time is precious, especially when it comes to our finances, so it’s our promise to you that your time will never be wasted.

Once we’ve officially approved your quick loans application (if you are approved) and you’ve returned your signed electronic contract to us, we’ll release the funds. The amount of time it takes for you to see the funds in your account will depend on the bank you are with – worst-case scenario is generally within 24 hours or the next business day. How’s that for quick cash loans?

If you’re after some more information on quick cash loans, check out Moneysmart or this page which explains how our loans work.

how it works question

Do you do quick loans no credit check same day?

The short answer is no, we don’t offer quick loans no credit check same day.

If your credit history has caused you to be knocked back for quick loans in the past, don’t panic. Although we do run credit checks on all applications, this is not the only thing we look at. We believe that we get a far better representation of your true financial situation by looking at your current income and spending habits rather than your past credit history. The thing with bad credit is that it’s in the past and we want to help you try and leave it there.

So, although we don’t offer quick loans no credit check same day, our quick loans are still designed to give everyone a fair go, not just people with good credit. We have access to cutting-edge technology, allowing us to view read-only copies of your bank statements. These help us assess your situation accurately and, most importantly, fairly. This means that we don’t need to focus on your credit history alone to make a decision on your quick cash loans application. We believe in looking at the bigger picture, rather than just a few little mishaps from your past.

If you are looking for quick loans no credit check same day, why not apply for one of our quick loans instead?

how it works question

Do you do quick cash loans for Centrelink customers?

Being on Centrelink won’t necessarily stop you from getting approved for one of our quick loans. Our quick cash loans for Centrelink customers allow those on Centrelink to gain access to quick cash whenever they need it. As long as your payments are set up on a more permanent basis and you’ve been receiving a regular income from Centrelink for the last 90 days, we may have quick cash loans for you!

It doesn’t matter whether you receive your income from Centrelink or work wages. With our quick cash loans Centrelink customers can apply for, you’ll always be given a fair go.

how it works question

What do I need to apply for quick loans online

Our application form is 100% online. Therefore, you won’t need to rifle through any documents whatsoever! You could be sitting on the train on the way to work with nothing but your smartphone. As long as you have internet, you’ll still have full access to our quick loans application form. To apply for quick loans online you’ll just need to:

That’s it! It doesn’t get any easier than that! You can apply for our quick loans at any time. The best part is that it doesn’t matter where in Australia you are or what time it is. It might be 10:30 at night – and you’ve just sat down to enjoy some Netflix and pizza – only to have your TV die. Apply for one of Jacaranda’s quick cash loans then and there and you could be back in your rightful place on the couch before you know it! Just keep in mind that if you apply outside of our business hours, it will take longer to receive an outcome on your application.

how it works question

How do I know if I’m eligible for quick cash loans?

Like we said before, we’re all about giving everyone a fair go. However, as we are responsible lenders, we have put a few basic eligibility requirements in place. This is to ensure we’re not lending to anyone who isn’t able to comfortably repay their loan. To qualify for quick loans, you need to be:

TO
QUALIFY
FOR ONE OF OUR PERSONAL LOANS, YOU MUST:

age-18
Be over 18 years of age

coins
Receive a regular income into a personal bank account for the last 90 days

aus
Be an Australian resident, or have permanent residency

mobile wifi
Have a direct contact number

how it works question

How do quick loans repayments work?

When it comes to repaying your quick loans, the process couldn’t be easier!

Once your quick cash loans application has been approved, we’ll get in touch with you. One of our friendly customer service attendants will ask you to select a day on which you would like your payments to be deducted from your account. This day will be the same for each payment cycle, whether that be weekly, fortnightly or monthly. It is completely up to you which day you choose. We recommend setting it up in line with your work wages or Centrelink payments. This is just to ensure that you always have enough money in your account and you’re also not leaving yourself short when the loan payments come out.

Once you’ve decided on a day, our team will organise for your payments to be directly debited from your account. Therefore, you won’t have to worry about remembering to pay. You won’t even have to lift a finger to do so, they’ll just automatically come out of your account. Then, once your loan is paid off, the payments will stop automatically.

It is important to always make sure you have enough money in your account to make each payment. If one of the automatic payments fails, you may be charged a dishonour fee. This fee will just be added onto the amount payable on your loan. If at any time through the term of your quick loans, you are unable to make a payment, we recommend contacting us as soon as possible so we can try to work something out that suits all parties involved.

how it works question

What if I want to pay my quick loans out early?

That’s great! We will always encourage our clients to do their best to pay their loan out early. That’s because we don’t charge you for doing so! Therefore, paying your quick cash loans out early will mean that you save money on interest and monthly fees. So, if it is possible to throw a few extra dollars on where you can, we highly recommend doing so!

how it works question

So, what are the costs of your quick loans?

We have broken up our quick loans into three different types. Our first type of quick loans is our small personal loans from $300 to $2,000. The second type is our medium secured personal loans from $2,100 to $4,600. Then, the third type is our large secured personal loans from $5,000 to $10,000.

The fees associated with our small personal loans are:

The fees associated with our medium secured personal loans are:

The fees associated with our large secured personal loans are:

Quick cash loans and responsible lending

At Jacaranda Finance we stick to the rules outlined by the Australian Securities and Investments Commission (ASIC). 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 cash loans online, 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. We want to help you get closer to financial wellness, not drag you away from it. 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.

Now, you can go ahead and apply for your quick loans! Apply now and discover the beauty of a full 8 hours of sleep!

Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

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

Jacaranda Finance does not charge an annual interest rate on SACC loans. These small amount loans incur 'fees' instead of interest.

The maximum comparison rate on our loans between $300 and $2000 is 199.43%.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Terms

12
months

Example:

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Loan Amount of $1,000 over 12 months repayable weekly (50 weekly repayments). $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

$2,100 minimum
$4,600 maximum

Costs

Annual Percentage Rate (APR) is 48% Comparison rate is 67.41% 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.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

Loan Amount of $4,500 over 24 months repayable weekly (104 weekly repayments). $4,500 (Principle Amount) + $400 (Establishment Fee) + $2,732.56 (reducing interest) = $7,632.56 total repayable over 24 months with weekly installments of $73.39.

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

Example of how our large personal loans work

Loan amount

$5,000 minimum
$10,000 maximum

Costs

ANNUAL PERCENTAGE RATE (APR) IS 21.24% Comparison Rate is 48% P.A.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Terms

13
months minumum
24
months maximum

Example:

Loan Amount of $5,000 over 18 months repayable weekly (78 weekly repayments). $5,000 (Principle Amount) + $2,027.80 (Interest) = $7,027.80 total repayable over 18 months with weekly installments of $90.10.

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

What our clients say

Quick Loans Up To $10,000 - 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