Discover Jacaranda Finance



We give you the outcome of your application with 60 minutes


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$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.

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.

Need quick cash? Apply now for your quick loans!

Quick loans up to $4,600 – Apply Now!

Quick loans could be the answer to all that 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 make that a reality for you.

With quick cash loans from $300 to $4,600, you’ll be able to rest easy knowing that your bills have been covered. At Jacaranda, we can offer you 60 minute 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 mere 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 quick cash loans!

All you need to do is jump onto our Home Page and enter the amount you’d like to borrow – between $300 and $4,600. Then select the length of your repayment period (12 – 24 months). You’re ready to click ‘Apply Now’ and be on your way to getting approved for our quick loans. After you’ve filled out the application form and submitted it to us, we’ll let you know straight away if we’re able to make you an offer. 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 you’ve received your conditional approval, feel free to grab a coffee or a beer (depending on the time of day) and just relax. We’ll be hard at work assessing your situation and coming up with an offer that is best for you. This will only take us about 60 minutes and then we’ll get back to you straight away. Once we’ve officially approved your quick loans application 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 24 hours or the next business day. However, if you bank with Commonwealth, you’ll receive the money within minutes. 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.

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Do you do 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 some of our new clients, 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.

Our quick loans no credit check same day are 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 that happened in the past.

Apply for one of our quick loans no credit check same day and let us help you look towards a future of financial wellness

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Do you do quick cash loans for Centrelink customers?

We sure do!

Being on Centrelink won’t necessarily stop you from getting one 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 could 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.

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What do I need to apply for quick loans online

As our application form is 100% online, so 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. You’d still have full access to one of our quick loans. 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 bad credit all. 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 before you know it!

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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 bad credit, you need to be:


Be over 18 years of age

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

Be an Australian resident, or have permanent residency

mobile wifi
Have a direct contact number

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How do quick loans no credit check same day payments 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 give you a call. 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 do have enough money in your account to make each payment. If one of the automatic payments fails, you will be charged a dishonour fee for missing that payment. 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 repayment, we recommend contacting us as soon as possible as we can generally work something out that suits all parties involved.

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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!

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So, what are the costs of your quick loans no credit check same day?

We have broken up our quick loans into two different types. Our first type of quick loans is our small personal loans. The second type is our medium secured personal loans. Our small personal loans range from $300 to $2,001 and then any amounts from $2,001 to $4,600 are classed as medium secured loans.

The fees associated with our small personal loans are:

The fees associated with our medium secured personal loans are:

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Quick cash loans and responsible lending

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 cash 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. 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


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

Quick 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