Home > Bad Credit Unsecured Personal Loans With Fast Approval

Bad Credit Unsecured Personal Loans With Fast Approval

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

Can we offer bad credit unsecured personal loans with very fast approval?

Yes! When unexpected expenses strike and you’re looking to borrow money from a lender you trust, Jacaranda Finance is the lender for you. We’re the local quick loans specialist you can rely on. So, if you’ve been googling ‘bad credit unsecured personal loans with very fast approval’, let Jacaranda Finance give you a fair go on the loan you need.

At Jacaranda Finance, we’ll take a fresh look at your finances. Got bad credit? We won’t automatically rule you out. Our team will do their best to find you a suitable loan product and deliver fast approval. Unlike the big banks, we could say yes to bad credit unsecured loans.

About us: Jacaranda Finance

Jacaranda Finance is an online lender you can trust. We offer reliable loans that range from $1,000 to $15,000, with flexible repayment terms. We’re 100% online, and you can apply with us in minutes, without the fuss.

Jacaranda Finance is always in your pocket, our application form has been designed so you could even apply from your smartphone. So, when the piping bursts and your kitchen is flooded, or your furry friend swallowed something they shouldn’t, you could turn to Jacaranda Finance for a quick cash solution.

When you apply with Jacaranda Finance we guarantee you a fair go. We cannot guarantee approval on every personal loan application, however, we can guarantee a fresh take on bad credit and people receiving Centrelink. Our team is proud to be giving Aussies a fair go when it comes to the personal loan they deserve. We don’t believe in hidden fees or charges, our team will cut straight to the chase and make the entire process as simple as possible.

What exactly are bad credit unsecured personal loans with very fast approval?

It’s a mouthful, but we find that everyday Aussies with less-than-perfect credit scores are searching for small loans with a quick decision or a bad credit unsecured loan. We may not offer guaranteed approval without first assessing your application, but we do give every Aussie a fair go at approval on their loan application.

We know that when an emergency expense rears its head, you need cash as quickly as possible. At Jacaranda, you can apply for an unsecured personal loan in just minutes. Our team will do their best to get back to you with an outcome in 60-minutes (if you apply during AEST business hours).

What personal loans do we provide?

If you’re googling unsecured personal loans bad credit instant decision Australia, then you’re looking for a lender that can deliver a smart decision, fast. That’s Jacaranda Finance. We provide fast cash loans and we don’t automatically say no to bad credit.

At Jacaranda Finance, we provide three types of personal loans; small, medium and large loans. Before you apply, check out which loan product could suit you:

Small Loans

We offer small loans from $1,000 to $2,000 with a repayment period of 12 months. Small loans are fast unsecured loans, so they don’t require any equity to secure your loan. Small loans are perfect when you need a little cash to fix up an unexpected expense, or you need a small boost to your next holiday fund.

Medium Loans

We also offer medium loans from $2,001 to $4,600 with a repayment period from 13 to 36 months. Security must be attached to your medium loan application. Security can include as a car, motorbike, boat or caravan.

Large Loans

The third type of personal loan we offer is large loans from $5,000 to $15,000 with a repayment period from 13 to 36 months. Security must be attached to a large loan.

Before you apply, have a look at the possible costs associated with each personal loan type.

A friendly reminder: 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.

Who is eligible to apply?

If you’re searching for quick loans, we welcome all Aussies to apply, however, we do have a few basic requirements. Check our list to see if you’re eligible:

  • Have an active mobile number and email address
  • Must be over 18 years old
  • Have a regular income in a personal account for at least 3 months
  • Have an internet banking account
  • Be an Australian citizen or permanent resident

If you can check off these basic requirements, then you’re eligible to apply for a personal loan! It’s that easy. Apply now – we’re ready to give you a fair go at finding the loan you need.

What to have by your side when you apply?

At Jacaranda Finance, we’re all about making life that little bit easier. Applying with Jacaranda is pretty easy, however, to breeze through your application, have these details handy:

  • Personal contact details (e.g. active mobile address and email address)
  • The reason for your loan
  • Internet banking details
  • MyGov info (if you receive Centrelink, if not, don’t worry!)
  • Employment details

Having these details by your side when you apply will make life that bit easier. At Jacaranda Finance, we care about assisting our clients through the application process. So, if you have any questions about your loan application, feel free to contact our team at apply@jfloans.com.au.

How can I apply?

At Jacaranda Finance, we skip all the running around, messy paperwork and endless waiting lines. We cut straight to the chase. One online application, one assessment, one decision – all in a matter of minutes (if you apply during AEST business hours). You can apply for bad credit unsecured personal loans with very fast approval in three easy steps:

Apply online

To get started with your application, simply scroll and find our loan calculator located at the top of each page. Select how much you wish to borrow and for how long. You’ll see estimated repayment amounts to help you see which loan term is right for you.

Once you are happy with your proposed loan terms, click the ‘Apply Now’ button. Then, you’ll be taken straight to your application, enter a few more details and hit submit. Easy, right?

We assess your application

After you submit your application, our team will get straight to work assessing your application during business hours. We aim to deliver an outcome in under 60-minutes*, however, it all depends on when you apply and whether we require any extra info. Once you submit your application, just need to sit back and relax! You’ve done your bit, now it’s our turn. We’ll let you know straight away once we have an outcome.

Cash straight to the bank

If you’re approved, we’ll send you a contract to review, sign and send back. Once we’ve received your signed contract, we’ll transfer the cash straight to your bank! If your bank supports instant transfer you could have the cash in just 60-seconds**.

If you meet our requirements, we can provide loans with very fast approval. So, don’t wait, apply for the fast loan you need today.

*We get back to most applicants within 60-minutes*. In some cases, it will take longer if we need to verify your information.

Quick, easy repayments

We are the quick loan specialists you can trust, and we’re ready to streamline the borrowing process, and that includes repayments. If you’re looking for bad credit unsecured personal loans with very fast approval, you’re in luck, because we also include very easy repayments.

If your application is approved, we’ll set up a direct debit with your nominated bank account, so your repayments will be paid automatically! That’s right, there is no need to set hundreds of reminders to make your payment, we’ve got it covered. Just keep track of your payments, so you have enough funds in your account when the payment is due.

Do you conduct credit checks?

Yes, we conduct credit checks as a part of our commitment to responsible lending. If you’re looking for bad credit unsecured personal loans with very fast approval, we might still be able to help. As part of our lending policy, we look at more than just your credit score. We also look at your current relationship with money to determine whether we can approve your application. No unreasonable loan terms, just a fresh take on bad credit. That’s how we give every day Aussies a fair go at finding the quick cash loan they need.

I receive Centrelink, can I apply?

Yes, you sure can! Aussies receiving Centrelink are welcome to apply for a fast cash loan. We give everyone a fair go at getting the loan they need, quickly. How you may ask? Our team will take a look at what percentage of your income is drawn from Centrelink payments. We don’t charge crazy fees just because you receive Centrelink, we simply look at the big picture.

So, if you’re looking for a loan for people on Centrelink, then Jacaranda Finance could be the lender for the job.

Our fees are 100% transparent

At Jacaranda Finance, we include all the possible fees of your loan in your application. When you look through your contract, you won’t find an early payout fee. If you wish to repay your loan before the due date, go ahead – we won’t charge you any extra fees! That’s the Jacaranda difference.

Applying for a bad credit unsecured loan is free-of-charge. So, why not get started now by scrolling up and using our smart loan calculator.

Why do I need to give a reason for my loan?

As part of our lending policy, we require the reason why you are applying for a bad credit unsecured personal loans with very fast approval. However, don’t worry, we offer all kinds of personal loans. Don’t think your reason is valid? Here are just a few examples:

Holiday loans

Tired of your 9 to 5? Planning a much-needed break? If you need a little extra cash you can turn to Jacaranda Finance. We offer holiday loans from $1,000 to $15,000 for all kinds of travel expenses. We know that you might not always have funds ready to go for a long weekend break. So, just apply with Jacaranda for a quick holiday loan.

Surprise expenses

We know that your monthly budget doesn’t always account for surprise expenses. Jacaranda Finance is ready to help when your car breaks down, a pipe bursts or your kids’ urgently need new textbooks. Whatever the surprise, we’ll do our best to lend a hand.

Relocation costs

Moving to your dream home? Don’t let moving costs get you down. With the bond, new furniture or a remodel, you may not have enough spare change for relocation costs. That’s when you can apply with us! We provide relocation loans without the headache.

Do we provide bad credit secured loans?

Yes! We do provide bad credit secured loans from $2,100 to $15,000 with a repayment period between 13 to 36 months. When you apply for a secured loan, you must attach an asset to secure the loan, such as a car, motorbike, caravan or boat. When we assess your application, we look at more than just your credit score. We look at the big picture, including your current income and spending habits.

We do lending differently

Jacaranda Finance is a home-grown lender that is ready to go toe-toe with the current lending models. We know that the way we earn and spend money has changed. So, the way we borrow money needs to change to. Skip the big banks, and choose a lender that looks at your current financial situation, not just your credit score. At Jacaranda, we take a realistic look at finance.

If you’re ready for the next step in lending, apply now!

Ready to apply?

Then, just scroll up to find our loan calculator to get started! You can apply in minutes, without the hassle and receive a decision in no time. If you’re looking for the best unsecured personal loans for bad credit, then Jacaranda Finance is the lender to bank on.

Want to know more?

Let us tell you about personal loan comparisons, small loans, cosmetic surgery loans, collateral loans and low rate loans for bad credit.

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.