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Urgent Cash Loans

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

Do you need urgent cash now?

Have you been searching ‘I need a loan urgently’? Jacaranda Finance excels in delivering urgent cash loans. We specialise in fast cash loans for when you are in an emergency and need cash immediately. We are Australia’s first lender to offer 60-second loan transfers; we offer the closest to instant loans that you can find. We deliver online loans from $1,000 to $15,000; no matter what your urgent expense is, we may be able to provide you with a loan solution. 

What are urgent cash loans?

Urgent cash loans are fast personal loans for when you need cash now. Our application form can be completed in minutes and, if you apply within our business hours, we could get back to you within the hour. We provide emergency cash loans to cover unexpected expenses that cannot be delayed. 

When you need cash straight away, you need a lender that delivers fast outcomes. Jacaranda Finance specialises in cash loans Australia to get you the cash you need as fast as possible. Our dedicated loan specialists endeavour to provide one-hour loan outcomes, though this may vary depending on your individual circumstances.

We offer three types of urgent cash loans: small personal loans, medium secured loans and large secured loans. Depending on how much you wish to borrow, your loan will fall into one of these three categories. For more information about our personal loan options, visit our personal loan interest rates page. 

What can urgent loans be used for?

Urgent cash loans can be used for any urgent expenses you need to cover straight away. Whether that is rent arrears or medical expenses, an urgent loan with Jacaranda can be used to ease the immediate financial burden of these large costs. Still unsure what you can use an urgent cash loan for? Below are some examples of how our clients have used their urgent cash loans.

Car repairs

Is your car experiencing issues and you need it for your job? Mechanics are often hundreds if not thousands of dollars, depending on what is wrong with your vehicle. If you don’t have the cash available to cover these costs, opt for a car repair loan.

Medical expenses

If you have had a medical emergency and don’t have the money to cover the costs, we offer medical loans up to $15,000. Whether it is a small or large medical bill, we may be able to help.

Dental expenses

Going to the dentist can be very expensive. If you need anything from a filling to a root canal, dental loans with Jacaranda can be used to pay for these procedures. 

Insurance excess

If you have had to make a claim on your insurance, but the out-of-pocket will still be hundreds of dollars, we provide insurance excess loans so that you do not need to stress about the cost of submitting your claim application. 

Alternative fast cash options

It is always advisable to compare your options before deciding on a cash option that best suits your needs. Don’t stress about researching the options available; here is some information about other options for urgent cash. 

Credit card

Credit cards allow you to spend up to a certain amount (your credit card limit) to be repaid back at a later date. You can either choose to repay the entire amount owing on your card, or you will be given a minimum repayment which you must meet. Credit cards accompany a range of fees and charges so you should do your research before deciding on a lender.

Bank loans

Banks and credit unions offer loan options to higher-end candidates. If you have good credit and are in need of cash, you may be able to apply for a bank loan. Most banks offer loan applications online, though processing times are usually slower than alternative lenders like Jacaranda Finance. Bank loans also accompany fees and charges which will vary between lenders.

No Interest Loan Scheme (NILS)

If you are a low income earner, you may be eligible for the ‘no interest loan scheme’ (NILS). NILS provides low income individuals and families with up to $1,500. These loans can be used to purchase essential goods and services such as fridges, washing machines, car repairs and medical procedures. There are no fees and charges associated with these loans.

How to apply for urgent cash loans online

Applying for a personal loan with Jacaranda Finance is simple and easy. We are an online lender, meaning that our application form is 100% online; there is no physical paperwork required. Once our team has received your completed application, we endeavour to have a loan outcome within one-hour (if you apply within AEST business hours). Follow the simple steps below and you could have your urgent cash in no time.

Step 1: Apply for a loan online

Step 2: We assess your application

Step 3: We will let you know whether your application was successful 

Step 4: If you were approved, review and sign your contract

Step 5: Receive your money


We have mandatory requirements all of our loan applicants must meet. Please ensure that you meet all of our eligibility criteria before you apply:

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

Supporting Documents

To make your application process as smooth as possible, ensure you have these documents available when you apply:

  • 100 points of identification
  • Your basic personal information (name, D.O.B, address etc.)
  • Online banking login details 
  • The reason for your loan application
  • Your myGov details (if you receive Centrelink benefits)

Urgent cash loans with bad credit

Being an alternative lender means that we are able to be more lenient than traditional lenders with our credit requirements. We provide bad credit loans to people with poor credit that still have the means to repay their loan. We use the latest in banking technology to thoroughly assess all of our loan applicants, which includes conducting a credit check and analysing bank statements. If we believe that you have the ability to repay your loan, with your current financial income and commitments, we may be able to provide you with a loan even with bad credit.

All of our loan applications are subject to a thorough assessment. We adhere to the responsible lending obligations by ASIC to ensure that we do not lend money that the borrower is unable to repay.

We consider most forms of Centrelink income as regular income. If you are currently receiving Centrelink benefits and need an urgent cash loan, we may be able to provide you with a loan for Centrelink customers. We require that you have been receiving your payments for at least 90 days and meet the rest of our eligibility requirements. We will assess your application just as we would any other application and, if we determine that you are able to manage your loan comfortably, we may be able to provide you with an online loan


How much can I borrow?

You can borrow any amount from $1,000 to $15,000. Small loans range from $1,000 to $2,000; medium loans range from $2,100 to $4,600; and large loans range from $5,000 to $15,000. Any loan amount over $2,000 is a secured loan and therefore requires an asset to be attached to the loan as security for the lender. This can be in the form of a car, motorbike or caravan.

What are the fees and charges?

The fees and charges will depend on the type of loan you are borrowing. Small loans will accompany different fees than large loans. The cost of your loan will also depend on your current financial situation. If you have poor credit, you will be offered a higher interest rate than someone with excellent credit. Use the loan slider or visit our costs page for information about our fees and charges.

How do I repay my loan?

We will set up a direct debit to be taken from your account in line with your pay cycle. Your repayments will be taken on this nominated day unless you request otherwise. When your loan has been repaid in full, the debits will cease. 

*If you apply within our standard 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.