Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

How do I get approved?

Start the application process
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Apply online

You can apply for a loan in three simple steps:

1. Apply online;
2. Get your quick outcome,
3. If approved, receive your cash.

id-card-svg
Supporting docs

Have all of your supporting documents ready to go: basic personal info, 100 points of ID, and online banking login details.

applications
Sign your contract

We can only transfer your funds once we receive your signed contract. So make sure you have your phone available!

call
Be available

We might need more information from you to process your application in order to get the fastest outcome.

iPhone
Apply online

You can apply for a loan in three simple steps:

1. Apply online;
2. Get your quick outcome,
3. If approved, receive your cash.

id-card-svg
Supporting docs

Have all of your supporting documents ready to go: basic personal info, 100 points of ID, and online banking login details.

applications
Sign your contract

We can only transfer your funds once we receive your signed contract. So make sure you have your phone available!

call
Be available

We might need more information from you to process your application in order to get the fastest outcome.

Loan Details

Loan amount from $5,000 – $15,000
Loan terms 9 – 24 months
Interest rate from 11.42% p.a
Comparison rate from 14.49% p.a.
Type of rate Fixed
Repayment type Weekly, fortnightly or monthly
Average turnaround 60-minutes
Early exit fee $0
Monthly fee $0
Establishment Fee $249 – $990

What is a small cash loan?

Whether you’re wanting a small loan to pay for flights, cover unexpected bills, or car repairs, a Jacaranda cash loan can be the way to go. Our small loan application is simple and straightforward, and you can apply to borrow anywhere from $2,500 to $15,000 in just minutes. To make things even better, we can have your cash in your account within 60-seconds3 after approval.

  • $2,500 to $15,000
  • 100% Online
  • Quick Application
  • 60-Second3 Transfers

What can a small loan be used for?

Small loans have a range of uses. Here are some of the most popular reasons customers take out small personal loans with us:

Am I eligible for a small cash loan?

  • Be at least 18 years of age

  • Be an Australian citizen or permanent resident

  • Have a consistent income into your bank account for the last 90-days

  • Have an active email address, phone number, and online banking account, in your name, that belongs to you

 

What do I need to apply for a small loan?

  • Basic personal information (i.e. full name, address, D.O.B)

  • Online banking details

There are instances where our team may need to request further information or supporting documents from you. Don’t worry, we will let you know exactly what we need and why we need that information from you

 

Why choose Jacaranda for a small loan?

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Our tech

We’re proud to have our very own state-of-the-art bank statement technology here at Jacaranda Finance. This allows us to review applications within seconds, and provide you with an outcome as quickly as possible. We’re not interested in wasting your time, so if your application is unsuccessful, we’ll let you know as soon as possible.

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Our speed

Thanks to our in-house technology, we’ve made our application process incredibly simple. In fact, you’ll only need minutes to apply. What’s even better is that 90% of applicants receive an outcome as soon as they submit their application. If we need a bit more time to go over things, we’ll only have you waiting 60-minutes2 (during normal business hours) to hear back from our team.

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Aussie-owned and operated

Here at Jacaranda, we pride ourselves on being an Aussie-owned and operated venture. We like to have everything in-house, and ensure our customer service team is local to best service our customers. What’s even more is that our business is family-owned and operated, and this strong sense of community reflects through the thousands of five-star reviews we’ve been given for our outstanding service.

cash
60-second payouts

Successful applicants who have an NPP-enabled bank account can expect their cash within 60-seconds3 after approval. Those who don’t have this type of account, though, will only have to wait overnight for the funds to appear. So, if you’re tight on time and need cash quickly, our small loans can be the perfect option for quick cash.

Over 4,800 Reviews On Trusted Platforms

Sometimes we offer customers incentives encouraging an honest review be it negative or positive based on their experience. It is possible that some reviews were written by customers who received a reward.

Last updated: 03/05/2022

Super easy and fast system, applying was seamless and money was instant!

Shaan Johari – GOOGLE REVIEW

Jacaranda is always helpful, wonderful customer service every time. Contact is easy and quick.

naomie falconer – GOOGLE REVIEW

Brilliant service and quick action during application process the best there can be when it comes to quick loans.

Nathan Ross – GOOGLE REVIEW

It is easy to apply online, fast, reliable and they will try to help you as much as they can. I can recommend it to my friends and relatives. Thank you very much.

Dianita Miguel – GOOGLE REVIEW

Excellent service once again from Jacaranda. Great improvements to the application process, very easy & efficient.

Jim Mccullough – GOOGLE REVIEW

Excellent 5 STAR customer service and always available with a quick response. Very happy with advice and the fantastic service provided. Quick, hassle free and easy. Thank you.

Brendan Lau88 – GOOGLE REVIEW
 

Frequently Asked Questions