Personal Loans Up To $15,000 | Fast Cash For Urgent Expenses
Nifty Logo Jacaranda Finance Logo

What's New?

We're now becoming part of the award winning Jacaranda Finance group.

Here's what you can expect:

  • Market leading customer service
  • 60-Second Transfers once approved3
  • Fast Loan Outcomes1
  • Simple & Easy Application
* All personal loan rates, fees and charges, product claims, and credit application links represented on this website are now for products and services offered by Jacaranda Finance, who you will be referred to to apply.

Need a loan quickly?

We help people apply for online loans up to $15,000 for everyday Aussies – with repayment periods of up to 24 months.

Minimum Documentation you'll need
  • Personal info
  • Contact Information
  • The reason for your loan
  • Internet banking details
Eligibility criteria
  • Be at least 19-years of age
  • Be an Australian citizen or permanent resident
  • Have an active mobile number and email address
  • Have been receiving regular income for the past 90-days

Ready to apply?

You can apply for up to $15,000
within minutes!

Our Happy Customers

What can I use my cash for?

Frequently Asked
Questions

What is a personal loan?

A personal loan is a sum of money that you borrow from a lender to use for personal expenses. Lenders range from banks and credit unions to online lenders like those referred to by Nifty! You then repay the borrowed amount with interest in fixed installments over a set period of time.

How quickly can I get a personal loan?

Through Nifty, Jacaranda offers one of the fastest loan services in the country. They pride themselves on being able to offer same day loans to Australians nationwide. They utilise the latest and safest banking and identification technology so you know that your information is safe.

Most people submit their application in under 10 minutes. If you apply during AEST business hours then you could get an outcome on your loan on the same day.* If approved, Jacaranda offers instant transfers, so you could have your money immediately after you’ve signed your contract**.

How much can I borrow?

Through Nifty, personal loans range from $2,100 to $15,000. The repayment period will differ slightly depending on how much you apply for.

Can I get a bad credit personal loan?

Yes, you can! Traditional lenders, like banks or credit unions, will typically see bad credit as a huge red flag. Through Nifty, Jacaranda, however, works a little differently. They approve loans for people with bad credit every single day!

What’s the difference between secured and unsecured loans?

Secured loans are personal loans that are secured by an equity/asset. The asset could be any type of vehicle, such as a motorbike, car, boat or caravan. This is to protect the lender of any financial loss in the case that you are not able to repay your loan. Borrowers who attach an asset to their loan are usually allowed to borrow a larger amount as they are considered less of a ‘risk.’

An unsecured loan does not require you to attach an asset of value to your loan. These loan options are considered riskier options for the lender so borrowing amounts tend to be smaller. Unsecured loans are especially convenient when you need to borrow a small amount of cash to cover a small expense.

Do you conduct credit checks?

Yes, Jacaranda, on referral from Nifty does conduct credit checks on eligible applicants. This is a requirement in the responsible lending guidelines. However, if you have bad credit you shouldn’t let this deter you from applying. We aim to give every Aussie the fair go they deserve at accessing finance. If it can seen that you’ve been responsible with money and will be able to comfortably afford the loan repayments, then you can be considered, even with bad credit.

Can I refinance my personal loan?

Yes absolutely. Refinancing your personal loan refers to paying off your current loan with funds from a new loan. If you’d like to refinance a personal loan with a Jacaranda Loan through Nifty, then you’ll need to let us know when you’re applying. We’ll do our best to find you a suitable loan option

How do I make repayments?

Loan repayments are made by direct debit. This method of payment takes out the hassle of trying to remember when to make repayments as it’s automatic. Jacaranda will usually align your regular installments with your pay cycle, to ensure there is enough money in your account to make repayments.