Same Day Loans

Are you in need of fast cash and can’t wait days for a loan outcome? You’ve come to the right place. Jacaranda Finance is a 100% online lender that specialises in delivering same day loans from $1,000 up to $15,000. We understand that when you need cash for an emergency, there’s no time to waste.

Same Day Loans

Are you in need of fast cash and can’t wait days for a loan outcome? You’ve come to the right place. Jacaranda Finance is a 100% online lender that specialises in delivering same day loans from $1,000 up to $15,000. We understand that when you need cash for an emergency, there’s no time to waste.

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Questions about Same Day Loans

* If applied within our standard business hours. 60-minute outcomes are not guaranteed.

** If you have an NPP-enabled bank account.

Loan details

Loan Amount: $1,000 to $15,000
Loan Term: 12 months to 36 months
Repayment Frequency: Weekly, Fortnightly or Monthly
Repayment Facility: Direct Debit
Secured Options: Secured and Unsecured
Starting Interest Rate: From 8.69% (secured loans)
Starting Comparison Rate: From 12.04% (secured loans)

Visit our personal loans rates page for a full breakdown of costs associated with Jacaranda Finance’s personal loans.

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Get your cash in 60 seconds once approved*

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How Jacaranda can provide a same day loan

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Our tech

Here at Jacaranda Finance, we’ve built our very own fast loan processing engine to simplify the processing of applications and limit the time needed to do so. This innovative system collects all of the information necessary and clearly outlines it to our team of loan experts. This allows them to quickly and efficiently approve your loan application.


We work with all major banks

We partner with all the major banks in Australia. This means that whether you bank with ANZ or Commonwealth Bank, you should receive your loan transfer from us within 60-seconds**.


Our Australian-based underwriting team

We employ everyday Australians just like you. Our Brisbane-based underwriting team is dedicated to providing you with fast and high-quality customer service. While we are 100% online, you can call us with any questions you may have. Our team will be more than happy to assist you with anything you need.


Our commitment to speed

We are Australia’s first lender to provide a 60-second transfer — that is how fast we are. We provide instant cash transfers to our customers as soon as we receive their signed loan contract. If you have an NPP-enabled bank account, you will receive your cash in 60-seconds**.

How to get approved on the same day

If you need money fast, there are a few things you can do to ensure that we can process your loan as fast as possible. Once we have processed your loan, if you have an NPP-enabled bank account, you will have your cash within 60-seconds from signing your contract.

Use our 100% online application form

If you’re after a same day loan, choose Jacaranda Finance as your lender. Apply in three simple steps:

  1. Apply online;
  2. Get your quick outcome and;
  3. Receive your cash.

Have supporting documents ready

To process your loan as fast as possible, it’s imperative that our team receives all of your supporting documents. This will include: your basic personal details, 100 points of I.D., the reason for your loan, online banking information, and myGov login details (if you receive Centrelink payments).

Be ready to sign your contract

We can only provide instant transfers on approval after we receive your signed contract. Make sure you have your phone or other device with you ready to review and sign your contract when our team sends it through via email.

Be available if our team needs more information

In some cases, our team may require more information from you. This is why it’s important that you’re available to answer any questions we may have.

Apply for the right amount

We are responsible lenders. As a result, we will conduct a thorough financial assessment of your application to ensure that you can reasonably manage your loan. Our assessors will be able to offer a lower or higher loan depending on the clients financial capacity.

Know your credit score and financial situation

Ensure that you are applying for a loan that will be manageable based on your current situation. If you currently have bad credit, you will likely be offered a higher interest rate. Ensure that this higher rate is affordable for you. We can still provide same day loans to people with bad credit, so don’t stress when applying.

What our customers say about their experience

Google Reviews
5 star rating
“Amazing service. I was very happy as the process of getting loans can be really time consuming and difficult but the application process was really easy and I was approved and notified the same day and the funds deposited pretty much instantly. I love that you have access to the customer portal so you can see how much you owe and pay the loan off early if you so wish. The staff were really helpful and I really appreciate it!”
- Rebecca B
5 star rating
“Absolutely brilliant in customer service. Easy process, quick, fast and efficient. Money transferred into your bank account almost in a second. Better than dealing with banks.”
- R Rischer
5 star rating
“Great experience! The staff was great. The loan was as expected and the terms extremely simple to read. Overall a quick and easy process and fast transfer of funds. Very happy.”
- Dorothy O

Am I eligible for a loan?

To qualify for a loan with Jacaranda you must:

  • Be over 18 years of age
  • Be an Australian citizen or permanent resident
  • Have received a regular income (for the last 90-days)
  • Have internet banking set up
  • Hold a direct contact number and email address

What information do I need to provide?

To apply online with Jacaranda, we will need these from you:

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