Small Loans Can Help When the Unexpected Strikes

Apply in under 8 minutes, and get your money within 60 seconds of approval*

Any credit score

Get a good car loan deal with rates starting from 10%.

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Our standard term is 12 months for loans under $2,000

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ⓘ Loan Disclaimer

Looking for a small loan?

What do you do when life throws curve balls? Sometimes you’ll have the resources to hit them out of the park. Other times you won’t know where to turn. Jacaranda’s small loans are perfect for when you need a cash pick-me-up before your next payday.

Jacaranda Finance provides personal loans ranging from $1,000 to $15,000. You can apply for these loans for a variety of different reasons. Whether you need small loans to cover an unusually large bill or a large personal loan for an extravagant purchase. Our online application could take you just a few minutes to complete and we could get back to you with an outcome in just 60-minutes*! Not convinced yet? Read on to find out if you’re eligible and how to apply.

Applying is easy!

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Step 1: Apply online

Choose a loan between $1,000 and $15,000 and complete your application in minutes

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Step 2: Get a quick decision

We'll let you know if we think we can help you on the spot when you finish your application.


Step 3: Get your cash

For most customers, we can have the cash in your bank and ready to use within 60 seconds, once your contract has been signed.

💰 Loan Calculator

Get a good car loan deal with rates starting from 10%.

How much do you need to borrow?

Paid back over?

Paid back over?

Our standard term is 12 months for loans under $2,000

Estimated Repayments


per week


per fortnight


per month

Comparison rate

ⓘ Loan Disclaimer

ⓘ Loan Disclaimer

Loan types

At Jacaranda, we offer three types of personal loans: small, medium and large personal loans. The three types vary slightly in terms of the features they offer and the requirements needed to qualify for the loans. The table below gives a breakdown of these details.

Loan Types

💸 Small loans

Secured options:
Loan amount:
$1,000 to $2,000
Loan term:
12 months

💵 Medium loans

Secured options:
Loan amount:
$2,100 to $4,600
Loan term:
13 to 36 months

💰Large loans

Secured options:
Loan amount:
$5,000 to $15,000
Loan term:
13 to 36 months


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

🗄️ myGov details (if you receive Centrelink benefits)

🏦 Online banking and employment info


Increase chance of approval

4 Ways to improve your chances of loan approval

If you are applying for small loans in Australia and are concerned about whether or not you’ll be approved, there are ways you can increase your chances of approval. As a guide, we have noted some things down that you could look into doing:


Contact the lender first

Before you apply for a loan, it may be a good idea to contact your lender first. This way you can get a better idea on whether you’re likely to be approved or not based on your eligibility and financial circumstances. They may not be able to give you a definitive answer but every bit of info helps. They may also be able to let you know if there is any additional information you can provide to improve your chances of approval. This will help you narrow down which lenders are more likely to approve you.


Look at improving your credit score

Although this can take time, it’s definitely something you should be doing for future endeavours. There are several ways you can improve your credit score. Start by paying your bills on time. Then you can start to get the ball rolling on paying off your debt. Applying for too much credit creates hard inquiries on your credit report, so you shouldn’t apply for too many loans.


Provide correct information

This is super important! If you provide incorrect information, whether intentional or not, this can negatively impact your chances of approval. Make sure you clearly read and understand the questions on the application and answer them honestly and transparently.

Money Bag

Don’t apply for more money than you need

This is an easy one! Lenders will typically assess two things in your application. Firstly whether the loan repayments will be affordable for you and secondly if the loan amount is fit for its purpose. If you apply for more money than you need, this may be unaffordable and unnecessary.

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Why choose Jacaranda?

We’re glad you asked! Now that you’ve stumbled across our small loans product page, let us fill you in on a few of the reasons that make Jacaranda one of the best lenders on the market.

Responsible lenders

It’s our aim to give everyone the fair go they deserve, but we can’t just lend to anyone. Jacaranda adheres to responsible lending guidelines. This means we conduct a full assessment of every application we receive, including a credit check on eligible applicants. We do this to ensure you can manage the loan you’ve applied for. After all, we want to assist you financially, not make your worse off!

Online based service and application

With the digital world constantly evolving and expanding, the same goes for the personal loan industry. No longer will you have to print, copy or make tedious trips to the bank to apply for a loan. Jacaranda is 100% online. That means you can complete a loan application from the comfort of your own living room in a matter of minutes. If you have a smartphone you could even apply on the go, so long as you have an internet connection.

Transparent practice

We are well aware of the stigma attached to our industry and that’s why we use to honesty transparency and damn good service to prove that we are not like your typical payday lender. We’ll ensure you have all the information available to you before you commit to a loan. That include fees, interest rate, repayment amounts and frequency etc. We also don’t charge a processing fee for submitting an application and we certainly won’t charge you an early settlement fee if you decide to pay off your loan early.

What can I use a small loan for?

The great thing about small loans in Australia is that they can be used to pay off or cover some of life’s most basic, yet fundamental needs. Check out this list of some of the most common examples:

  • Car repairs: Got into a car accident or broken down? Don’t get stuck having to fork out the costs to pay for the damages to your vehicle. If you need funds to get your car back on the road, a small loan from us could do just that.
  • Renovations: Decided it’s time to give a room in your house that long-awaited facelift? Jacaranda can help cover the cost, so you can turn your renovation dreams into reality.
  • New appliances: Fridges, washing machines, dryers – they’re often some of the most expensive pieces of furniture to buy which is tricky because, well, they’re things you can’t live without for very long. Unless you happen to (really) love eskies.
  • Travel or holiday: Been waiting for what feels like forever to take that much-needed holiday? Our small loans can help you set off much sooner than you think!
  • Wedding or honeymoon plans: The venue, the dress, the cake – it’s no surprise that weddings are expensive. So, if you need help financing your special day, we can help with that!

Small loans Australia

Small loans in Australia are technically referred to as Small Amount Credit Contracts (SACC). These are unsecured loans usually ranging in value from $100 to $2,000 with a repayment period from 16 days to 12 months.

Small loans can be a great solution to a short term cash-flow problem. If you need cash for an urgent expense, but can’t wait until your next payday - then small loans could help!

You can apply for an unsecured small loan with Jacaranda from $1,000 to $2,000. The great thing about our loans is how convenient they are! Just apply online, and you could have the cash in your account in just a few hours.

Can I get a same day small loan?

Yes, you can. Small day loans are our bread and butter. Jacaranda’s online loan service is designed for people who need cash quickly. Our online application can take you just a few minutes to complete, and then you’ll just need to wait for your outcome. If you applied during our business hours, then you could get your answer in just 60 minutes*! If approved, most people receive their cash within 60 seconds of signing their contract.

In saying that, same day loans are not a guarantee. If you apply outside of our business hours, then you might need to wait until the next day to receive your outcome. You don’t need to stress though. We’ll start working on your application first thing the next morning.

Our business hours are:

  • 8am to 6 pm - Monday to Thursday
  • 8am to 4 pm - Friday
  • 8 am to 12 pm Saturday
  • Sunday - closed

Do you do small loans for unemployed?

Jacaranda can offer loans to unemployed people, but like all our loans there is no guarantee. If you’re receiving Centrelink benefits, then we could approve you for a small personal loan. If we see that you can manage the repayments on a loan, then you’ll have a higher chance of approval.

To be eligible for small loans for unemployed, you’ll need to be receiving a regular income. That means if you receive a consistent income from Centrelink, you could be eligible for our small loans.

We are unable to offer loans to people who are on Newstart or Youth Allowance as these are only temporary benefits.

Where can I get an instant small loan in Australia?

Lenders and credit providers are required by law to conduct an assessment on all applicants. For this reason, lenders technically can’t provide instant loans.

Jacaranda Finance doesn’t claim to offer instant loans, but we can offer you a fast cash loan with instant cash transfer. This means you could get approved for your loan in 60 minutes* and have the cash in your account within 60 seconds of approval. We know it’s not quite instant - but it’s pretty damn close! In fact, Jacaranda is proud to be one of the fastest loan providers in the country.

How can I get low-interest small loans?

Your interest rate will be outlined in the loan contract before you commit to borrowing. Below, we’ve listed a few things you can do to get low-interest small loans:

  • Improve your credit score: This may take some time, but most lenders will offer you more competitive interest rates if you have a solid credit score. This is usually because you’re considered less of a borrowing risk than someone with a low credit score
  • Secure your loan: Securing your loan refers to providing an asset of value to cover the cost of the loan if you can’t afford the repayments. For example, you could use your car or motorbike as security. Lenders offer more competitive interest rates on secured loans because there is less risk involved.

Small payday loans

If you’re looking for a small payday loan, you might be able to find a few options out on the market. Payday loans are very short term loans - usually ranging from 16 days to a couple of months. They can act as a short term solution to your cash flow problems.

Jacaranda Finance doesn’t claim to offer payday loans, but we can offer you a small loan up to $2,000. You might be asking what’s the difference between a Jacaranda personal loan and a payday loan? The difference is that we’ll give you more time to pay it off!

Our repayment period ranges from 12 to 36 months (depending on how much you apply for). Having a few extra months will give you a bit of extra breathing room compared to payday loans.

Small loan options

Small loans are one of our most popular loan products. The following loan options are all available to apply for with Jacaranda:

Loan type
Small cash loans
Small loans Australia
Small loans bad credit
Small personal loans
Quick small loans
Small loans no credit check
Guaranteed small loans
Instant small loans

What credit score do you need to get a small personal loan?

Unfortunately, we’re unable to say because we assess every application on an individual basis. We will take your credit score in to account, but we prefer to put more focus on your current finances like your income and spending habits.

If you’re worried that your credit score will hold you back, you’ll be glad to know that we’ve helped thousands of Aussies with bad credit personal loans. So if you’ve got a credit score below 450, you could still be approved for a loan.

How much do your small loans cost?

The overall cost of your loan will depend on a few things. For instance, your credit score will impact the interest rate you receive from us, as well as whether or not your loan is secured. The amount you apply for and the repayment will also have an effect on the terms of your loan.

For general information on our rates and fees, visit our costs page.

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Reviews current as of June, 2021.

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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.