Home > Are You Looking For Same Day Loans For Bad Credit?

Are You Looking For Same Day Loans For Bad Credit?

Personal Loans up to $10,000

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

Can I get same day loans with Jacaranda?

If an unexpected expense pops up, you may need some extra cash to take care of it. At Jacaranda Finance we’re here to help take the stress out of unexpected expenses, or those times when you need a little extra cash for your dream holiday. Whatever the reason, you can apply with us for same day loans for bad credit (outcome times depend on when you apply).

We have a loan for every occasion, whether your car breaks down mid-road trip, your furry friend swallows something they shouldn’t, or you simply need a little extra cash for that upcoming Bali trip. We are your local personal loan specialists that can offer quick loans between $300 to $10,000 (the repayment period depends on the amount you decide to borrow).

Worried about bad credit? You don’t have to be. Jacaranda could even lend you cash for bad credit!

A little bit about us!

Jacaranda Finance is your local lender, when you need cash quickly, and want to skip the hassle of the big banks. Many everyday Aussies are turning to online lenders for their quick cash needs. No matter where you live in Oz, Jacaranda Finance is the local lender you can trust.

We’re 100% online, so you can apply anytime anywhere. We may be online, however, we’re committed to quality customer service, so if you have any questions we’re just behind your screen! Send us an email or give us a call – we’re always happy to answer any questions you may have (during business hours, of course!). We offer fast personal loans from $300 to $10,000, and we’re ready to help you find the loan you need.

Skip the big banks

If you’re looking for a personal loan, then your first thought might be the bank. However, there is a new kid on the block. The way we spend and save money has changed, so we think it’s time to change the way we borrow.

Jacaranda Finance is the local lender you can work with, without the hassle of endless waiting, meetings and stacks on stacks of paperwork. When you apply with us, you’ll know every fee you could be charged during the course of your loan – we won’t up the interest fee halfway through your loan. What you see is what you get. No fancy lingo, just quick cash, big or small, for everyday Aussies that are looking for a fair go.

The loans we provide

At Jacaranda Finance, we provide three types of personal loans; small, medium and large! Each type has different cost structures, so see which one suits you and your current finances best before you apply. If you’re unsure, shoot us a message.

What exactly are same day loans for bad credit?

Same day loans for bad credit are simply personal loans for people with less-than-perfect credit. If you’ve had a financial mishap in the past then you may be left with a not-so-perfect credit score. It happens. When you start looking for a loan, a bad credit score can complicate things. If the big banks say no, apply with Jacaranda Finance for a fair go. We cannot guarantee approval, however, we can guarantee we’ll look at more than just your credit score.

As part of our responsible lending policy, our team also looks at your current relationship with money as an indication of your ability to afford a loan. So, if you have bad credit and your searching for a lender that is ready to give you a fair go – then Jacaranda Finance could be the lender for you!

Am I eligible to apply?

Ideally, we’d love to say everyone is welcome to apply, but we do have a few basic requirements to meet before you can apply.

To qualify, you must be able to answer ‘yes’ to these four basic questions:

  • Are you over 18 years old?
  • Do you have an internet banking account?
  • Have you been receiving a regular income for the past 3 months in a personal account?
  • Do you have an active mobile number and email address?

If you can respond ‘yes’ to all these questions, then you’re eligible to apply with Jacaranda Finance. It’s that easy. If you’re looking for same day loans for bad credit, just scroll up to get started now!

What to have handy when you apply

To apply with us, all you really need is a spare few minutes and an internet connection. However, at Jacaranda Finance, we like to make life that bit easier, so here are a few details to keep by your side when you apply:

  • Personal contact details e.g. active mobile number and email address
  • The reason for your loan
  • Internet banking details
  • MyGov info (if you receive Centrelink)
  • Employment details

If you have all these details by your side, then you can complete your application in one sitting, without having to rummage through your files for the info you need! We like to make life that bit easier, so have these details handy when you apply and you’ll fly through our application!

Why do you ask for my internet banking details?

Good question! We ask for your internet banking details so we can assess a read-only of your bank statements as part of the application approval process. Don’t worry, your data is safe with us. We use a third-party service with bank-level security, no one can see your internet banking logins – it’s all encrypted. We simply use the latest in safe banking technology to look at more than just your credit score and look at your current relationship with money, such as income and expenses.

So, if you’re looking for same day loans for bad credit, we can assess your application quickly and give you a fair go.

How do I apply?

Applying with Jacaranda Finance is pretty easy, all you need is a few minutes of your time. You can complete an application super quickly and from the comfort of your living room!

To apply simply follow three simple steps:

Step 1: Apply online

To get started, scroll up and you’ll find our loan calculator! Select how much you wish to borrow and for how long. You’ll see an estimation of the possible repayments of your loan, either weekly, fortnightly or monthly. Once you are happy with your proposed loan terms, click the ‘Apply Now’ button and you’ll be taken straight to a quick application! Enter a few more details, then click submit. Congrats, you’ve applied.

Step 2: We assess your application

After you submit your application, we get to work assessing your application. All your work is done! Just sit back and relax, and get back to what you do best. We’ll aim to assess your application in under 60 minutes (depending on when you apply). We may need extra info to assess your application, so we’ll let you know!

Step 3: Cash straight to your bank!

If you’re approved, we’ll send you a contract for you to review, sign and send back. Then, we’ll transfer the cash straight to your bank. That’s cash in your pocket when you need it most.
Delivering times will depend on inter-bank transfers.

So, just follow these three steps to apply with Jacaranda Finance. It’s that easy. You could have the cash you need in no time.

What are the possible costs?

Of course, before you apply, you may want to check out the possible costs. When you apply we give an estimation of your repayments, however, you can also check out the breakdown of our costs here.

Keep in mind that some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give our customer service team a call or pop an email in. We’re happy to answer any questions you may have.

How do your repayments work?

If you’re approved for a loan, the next step is the repayments! Much like our application and assessment process, your repayments are made easy with Jacaranda Finance. We use the latest in safe banking technology to set up a direct debit with your nominated account so your repayments are deducted automatically!

It’s important to keep track of your repayments, so you have enough funds in your account when the due date comes knocking. With Jacaranda Finance, it’s time to say goodbye to setting hundreds of reminders to make your repayments and say hello to simpler repayments.

Do you conduct credit checks?

Yes, we do. However, that’s not the whole story. If you have not-so-perfect credit, you may be looking for same day loans for bad credit. And the good news is, we can help! While we do conduct credit checks, as part of our responsible lending policy, our team will look at more than just your credit score. We will also look at your current relationship with money, such as your income, expenses and spending habits to see if you qualify for a loan.

If you have bad credit, you may be used to lenders offering high rates. Not at Jacaranda. We don’t jack up the prices simply because of your past financial mishaps. We simply look at your present situation to see if you can afford to repay your loan. No fancy tricks, just a fair assessment.

Can I get a loan on Centrelink?

Yes, you can! If you receive Centrelink, you may be knocked back by the big banks. Not surprising. But don’t worry, you can apply with Jacaranda Finance. We may be able to offer loans for people on Centrelink. How you may ask? Not by charging high fees, but by classifying your Centrelink payments as a regular income if you’ve been receiving them for at least 3 months. We don’t see Centrelink and automatically stamp no. We use the latest in safe technology to get a better look at the bigger picture; your income, expenses, spending habits etc!

Lending, but different

When you borrow with Jacaranda, you’re working with a trusted local lender that cares. We’ve got your back when an unexpected expense rears its head and messes with your monthly budget. Or when you simply need a little extra cash to fund your next adventure. Don’t just take our word for it, here’s what some Jacaranda customers have to say:

“Great and efficient service very customer friendly highly recommended” – Aaron B, Word of Mouth

“The online process was so simple with a quick response. A great experience and would recommend Jacaranda to anyone looking for finance.” – Craig P, Word of Mouth

“My credit rating is quite low but Jacaranda approved my loan and I’m so thankful. The process was super quick and took max 5 minutes to process. Very highly recommended.” Eva Faatolo, Google Reviews

For more reviews from our customers check out Word of Mouth, Trustpilot or Product Review!

Ready to apply?

Then, just scroll up and complete our loan calculator. Apply in minutes and we’ll do our best to assess your application in 60 minutes (depending on when you apply)! If you’re looking for same day loans for bad credit, then Jacaranda is the lender to bank on! We’ll give you a fair go, no matter your score.

Before you go…

Worried about your screen-time stats? See how technology is taking over the world – for good! Thinking about jetting off for some FIFO work? Read this first. Keep up to date with our blog for the latest tips to help make your money work for you and our take on the latest lifestyle tips to hit the streets.

Keen to know more? Jacaranda could lend you cash for a variety of expenses such as farm loans, swimming pool loans, pension loans and cash loans in Queensland.


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.