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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.

Short Term Loans with Jacaranda Finance - Apply NOW!

Short Term Loans up to $4,600 Online. Apply Now

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Are you looking for Short Term Loans that will meet all your needs? Have you found yourself in a bit of a bind? Do you need money in a hurry to keep your life moving or help with those overdue bills or car repairs? Then don’t look past Jacaranda Finance! We’re here to help! Our short term loans or short term business loans may be just what you are looking for! We are 100% online! Our cash loans range from $300 to $4,600 over a 12 to 24 month term, which gives you plenty of breathing space to get where your going! We pride ourselves in customer service excellence and we offer one of the fastest loan services in Australia.

What is a short term loan?

A short term loan is essentially a loan scheduled to be repaid within a year. At Jacaranda finance our loans are 100% online! So there is no messy paperwork and our step by step application only takes 4 minutes to complete.

Why would I take out a short term loan?

There is a large misconception that people who use short term loans or short term cash loans etc are scraping the bottom of the barrel or financially irresponsible. This couldn’t be further from the truth! With the banks becoming fussier and more strict on who they lend to and their lending criteria many families and even young professionals are finding themselves looking for other options when it comes to short term loans and personal loans. It is a big fallacy that short term lenders are a risky road to travel, in fact Jacaranda are one of the leading short-term loans Australia! Jacaranda offer very competitive short-term loans with no hidden fees!

Can I still apply for a Jacaranda short term loan if I have bad credit or I am bankrupt?

YES! We will not automatically count you out, at Jacaranda we believe in second chances and understand that sometimes mistakes or circumstances just happen. We will assess each application individually and most of the time get back to you with a Yes or No answer within minutes of your application! So get online and apply now our dedicated team of customer service consultants are awaiting your application. How to apply for a short term loan: So I guess your now wondering how to apply for a short term loan? You can apply at anytime from anywhere! As long as you have an internet capable device you can apply from your office, lounge room or the park it’s that easy!

There are a few things we need to check first to make sure you are eligible to apply for one of our short term loans.

  • You need to be at least 18 years of age
  • An Australian Citizen or Permanent Resident.
  • You will need to have a regular income into a personal bank account.
  • Receiving at least $400 per week or $800 per fortnight from an employer or Centrelink.

How Jacaranda Finance process’s short term loans:

Once you have all those box’s ticked then we can move onto the easy 4min online application process!

  1. Submit Application online – this part usually takes most applicants 4minutes to complete!
  2. Get conditionally approved – based on your personal details we will determine if one of our loans is suitable for you.
  3. Supply supporting data – Unlike most lenders we utilise the latest and safest banking technology that will obtain 90 days of bank statements in seconds!
  4. We assess your situation – As responsible lenders we want to make sure you can comfortably pay back one of our loan products.
  5. Money transferred upon approval – Once approved the money will be transferred into your account within 60 minutes, depending on which bank you are with.

If you bank with the Commonwealth Bank you will have the money in minutes!

Stress free repayments At Jacaranda your repayments are generally smaller than the payday loans you may have used in the past because our repayments are spread out across a longer period. Our short term loans do not incur a payout fee. This gives you the flexibility to choose to pay out your loan earlier if that suits you. So get online NOW! and start your application with Jacaranda Finance you won’t be disappointed!

Example of how our small personal loans work.

  • Loan Amounts: Minimum $400 to Maximum $2,000.
  • Terms: Minimum 16 weeks to Maximum 50 weeks.
  • Costs: Up to 20% Establishment Fee charged upfront plus a 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(%).
  • Example: Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle 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 Amounts: Minimum $2001 to Maximum $4,600.
  • Terms: Minimum 13 months to Maximum 24 months.
  • Costs: 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.
  • Example: Loan Amount of $3,000 over 18 months repayable weekly $3,000 (Principle Amount)+ $400 (Establishment Fee) + $1378.87 (other fees) = $4,840.14 total repayable over 18 months with weekly installments of $61.27.
  • For more information about the allowable fees and charges for SACCs & MACCs visit the MoneySmart website.

What our clients say

Short Term Loans up to $4,600 Online. Apply Now Overall rating: 4.7 out of 5 based on 147 reviews.

Thank you!!

★★★★★
5 5 1
Thank you, as a centrelink recipient me and my family needed furniture and you helped straight away, we are grateful. Thanks jacaranda

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Example of how our small personal loans work

Loan amount

$300 minimum
$2,000 maximum

Costs

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(%).

Terms

16
weeks minumum
50
weeks maximum

Example:

Loan Amount of $1,000 over 50 weeks repayable weekly $1,000 (Principle 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

Costs

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.

Terms

13
months minumum
24
months maximum

Example:

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.