Cash Loans

Fast cash loans are a loan option that can usually be accessed within a day and, in some cases, just a few hours. Many online lenders have technology that allows them to process applications quickly.

Many people think of cash loans as short-term finance for small amounts and with large costs. But we're a bit different. Jacaranda Finance offers fast loans in Australia up to $25,000, with flexible loan terms and repayment options. Simply fill in our quick online application form today, and our team will help you get a quick outcome.

You can apply for varying loan amounts with Jacaranda, depending on your needs:

• With our Express Personal Loan, you can borrow between $3,000 and $25,000. 
• With our Car Loan, you can borrow between $10,000 and $25,000.

For detailed information about who our products are designed for, please review our Target Market Determinations.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.

It's possible to receive a loan offer from us if you have less-than-perfect credit, as we believe a credit score doesn’t tell someone’s whole financial story.

We offer fast and reliable personal loans for applicants with varying credit histories. If you're in a good financial position and handling your existing financial commitments comfortably, check if you're eligible and submit an application.

We accept a wider range of credit histories than banks or prime lenders. But we do not recommend submitting an application if you're currently or recently bankrupt (you must be three years discharged and in control of your finances) or if you are not comfortably repaying your existing financial obligations.

Before you formally apply with Jacaranda, you can check if you qualify for a loan in a way that does not impact your credit score. We do this by performing a 'soft' credit check that is only visible to you.

If you don't meet our initial criteria, your credit score won't be affected.

Once you've checked your eligibility and we've let you know that you do qualify for a loan, you have the option to move forward with a full application.

We will perform a credit assessment during this process, which involves checking your credit report. By submitting a full application, you authorise Jacaranda Finance to obtain a copy of your full credit file, referred to as a 'hard' credit check.

Other lenders will be able to see that you applied for a loan with Jacaranda.

This might impact your credit score.

Review our Privacy Policy for more information.

Repayments on your loan are automatically set up to be deducted via direct debit from your bank account in line with your pay cycle.

You can view your repayments from either the Better Credit app or online portal and contact our friendly customer service team to request any changes that you need.

Download the app on the Google or Apple store today.

Read more: Personal Loan Repayments 101.

Anyone unsatisfied with their loan for any reason can return the principal funds, including any payments made to third parties on your behalf, within a 48-hour cooling-off period and cancel their loan⁴.

If you purchased a vehicle or other item with your loan, Jacaranda does not require the seller to cancel the sale or release the funds back to you. Returning your purchase to the dealer, to the seller or to Jacaranda Finance doesn't qualify as a loan cancellation. The loan is only cancelled once the funds have been received and have cleared within the Jacaranda Finance bank account.

Simply call our customer service team to cancel your loan and organise the return of any money paid (including to other parties).