Yes, we do. As responsible lenders, we always conduct credit checks on eligible loan applicants. However, don’t let this deter you from applying for our emergency loans, as we look at other criteria as well. We are firm believers that your credit history isn’t the be-all and end-all for deciding whether we lend to you or not. After all, history is just that, history!
Whilst, we don’t offer emergency cash loans with no credit check, we look at more than just your credit score. We look at your current relationship with money as well. Remember, we’re human and understand that sometimes things happen that are out of your control. That’s why we view a read-only copy of your bank statements to view your current relationship with money.
You can apply for an emergency cash loan 24 hours a day, 7 days a week at Jacaranda Finance. We endeavour to get an outcome to you as quickly as possible. If you are in need of quick cash and are looking for an online lender, give Jacaranda a try. Click the apply button above to get started!
If your quick cash loans application is approved, we’ll get in touch with you. With Jacaranda, our repayments work by setting up a direct debit, so that your repayments will come out of your account automatically. We will ask you to select a day to deduct repayments. They can be set up to come out of your account on a weekly, fortnightly or monthly basis – it is entirely up to you which day you choose.
We recommend setting it up so that your repayments fall on the same day as your payday. Selecting the right payment structure ensures that you always have enough money in your account.
Sometimes things happen that can affect your ability to make your repayments successfully. If this happens, let us know ASAP. The sooner we know that you’re having trouble paying back your loan, the quicker we can find you a solution.
We require at least 24 hours notice to amend your upcoming payments. Not only can we adjust your future repayments to a more manageable amount, but this will stop you any incurring dishonour fees. We’re human too, and we understand that sometimes, these things do happen.
Step one: Apply online
Firstly, scroll up to the top of this page to our loan calculator. Using the slider, select the amount you’d like to borrow and the repayment period and click ‘Apply Now.’
Next, you’ll be taken to our 100% online application form. Here you’ll be asked for personal and financial details. This step usually only takes most people a couple of minutes to complete online payday ID. When you’re done, simply hit ‘Submit.’
Step two: We’ll assess you
That’s it from you! We’ll take over from here. Once we’ve received your application, our team of loan specialists will get to work assessing it. If you apply during our regular business hours, then you could receive an outcome in as little as 60 minutes!
Step three: Review and sign your contract
If the Jacaranda team approves you for a loan, congratulations! We’ll then send you an electronic copy of your loan contract for you to review and sign. We recommend reading the terms and conditions thoroughly to make yourself aware of any fees and charges for late or missed payments. When you’re happy, e-sign it!
Step four: Get your cash!
Once we’ve received your signed copy of your contract, a member of our team will transfer your cash. If you have an NPP-enabled bank account, then you could have your funds in your account and ready to use in 60 seconds!