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Short Term Loans Online

Personal Loans up to $15,000

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

Jacaranda Finance offers short term loans online from $1,000 to $15,000.

If you are searching for a short term loan, Jacaranda Finance offers fast online loans to eligible customers in need of financial assistance. We are an award-winning online lender.

Quick short term loans online

If you need short term financial assistance, fast short term loans online may be the perfect solution for you. Jacaranda Finance offers easy short term loans online from $1,000 to $15,000 for people that need credit fast. We are one of Australia’s fastest online lenders, often delivering loan outcomes in just 60-minutes*. Whether you had unexpected expenses fall due before your next pay cycle or need emergency car repairs, you can utilise a quick cash loan from Jacaranda Finance to alleviate some of your stress.

Jacaranda Finance is a 100% online lender; this enables us to deliver fast, efficient and hassle-free service to our customers. We endeavour to deliver loan outcomes in 60-minutes* and support instant transfers on approval; this means you could have your cash in your bank account in just 60-seconds**. 

What is a short term loan?

Short term online loans are a type of personal loan with a shorter repayment period. Jacaranda Finance offers online loans from $1,000 to $15,000 with loan terms that range from 6 months up to 36 months. We offer three types of personal loans: small loans, medium loans and large loans.

Loan type Security Loan amount Repayment terms
Small loan Unsecured $1,000 to $2,000 6 to 12 months
Medium loan Secured $2,100 to $4,600 13 to 36 months
Large loan Secured $5,000 to $15,000 13 to 36 months

For a detailed breakdown of our loans options, please refer to our personal loan interest rates page. 

What can I use short term loans online approval for?

We offer personal loans to cover a wide range of expenses. These are some of the most common reasons we receive online loans:

  • Unexpected bills
  • Medical bills
  • Dental expenses
  • White goods (fridge, washing machine, dishwasher etc.)
  • Urgent car repairs
  • Car registration
  • Engagement ring finance

How to apply online for a short term loan

Applying for a short term loan is quick and easy with our online application form. It takes just minutes to complete and you could have your loan outcome in 60-minutes*. On approval, you could receive your cash into your bank account within 60-seconds of transfer**. Complete your short term loans online application by following these simple steps:

Step 1: Complete your online application form

Step 2: We will assess your application as fast as we can

Step 3: Our team will contact you to let you know your loan outcome

Step 4: If approved, review and sign your contract

Step 5: Receive your money

Eligibility for short term loans online same day payout

We have some simple eligibility criteria all of our applicants are required to meet before we approve their loan application. Please ensure that you meet the following requirements before you apply so that we can process your loan:

  • You are at least 18 years old
  • You are an Australian citizen or permanent resident
  • You have had a consistent income into your bank account for the last 90 days 
  • You have an email address and mobile phone number
  • You have internet banking set up

Supporting documents

We do not require physical paperwork; however, we must receive electronic copies of the following supporting documents to process your application. To get the fastest possible outcome, please ensure you supply the following when you submit your online application:

  • Your basic personal information
  • 100 points of ID
  • Your online banking details
  • The reason for your loan
  • Your myGov login details (if you currently receive Centrelink benefits)

Short term loans online with bad credit

Jacaranda Finance is an online lender which allows us to have lenient credit requirements, unlike traditional lenders like banks and credit unions. Have you been searching for ‘short term loans online no credit check’? We offer bad credit personal loans to eligible borrowers that meet our lending requirements. We conduct thorough financial assessments on every loan application we receive by using current bank statements; this is to ensure that each applicant can reasonably manage their loan. If we find that you can manage your loan repayments, even with a bad credit history, we may be able to provide you with a same day approval loan.

Jacaranda Finance follows the responsible lending guidelines set by ASIC. This means that we must conduct a credit check on every loan application we receive. However, we take a financially inclusive approach to lending and will also consider other factors in your application.


What are the fees and charges?

Each of our loan options accompanies different competitive fees. We do not charge any hidden fees; all possible fees applicable to you will be clearly outlined in your loan contract. These fees may include interest or a monthly fee. Your interest rate offered to you may be influenced by your current credit score.

Can I pay off my loan early?

We do not charge early settlement fees on our loans. If you wish to repay your loan earlier than your agreed loan term, you are free to do so with no additional fees. This could save you up to $800 which is a typical early exit fee with other lenders.

How do I repay my loan?

We will set up a direct debit in line with your current pay cycle. Your payments will automatically be deducted from your account on this selected day. When your loan has been repaid in full, your repayments will stop.

* If you apply within our business hours

**If you have an NPP-enabled bank account

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.