Janko is a cutting-edge online lender helping everyday Aussies to access small cash loans in no time! We can provide instant outcomes on personal loans up to $500, with no credit check required. Get the help you need today, apply now!
At Janko, we are open for business 24/7! Our system is able to process loan applications automatically at any time. Need a loan at 2-am? Why not! Apply with Janko, and you could have the cash in your account within minutes.
We have created a system that allows us to process loans automatically, without the need for human intervention. With the use of machine learning, our system analyses each application within minutes to determine whether a loan is affordable or not.
Loans in Minutes
As applications are processed automatically, you can expect to receive an outcome within minutes of applying. If approved, the funds will be transferred as soon as the contract has been signed. If you have an NPP enabled bank account (which includes 90% of Australian banks), you will receive the funds within 60 seconds.
If you do not have an NPP enabled account, you can expect to receive the funds overnight at the latest.
Can I call Janko?
Please be aware Janko does not have a phone number. We are have built an innovative platform that provides full service. You can also contact us via email or message us via our contact us page.
How to Apply
Who can appy for fast cash loans?
To be eligible to apply, you must:
Be over 18 years of age
Be receiving a regular income (for at least 90 days)
Have a direct Australian contact number and email address
Have an Australian bank account and online banking
What do I need to apply?
To complete an application, you will need the following information handy:
Your personal details
Your mobile phone
Access to your emails
Your online banking details
I receive government benefits, can I still apply?
Yes, you can! At Janko we consider a wide range of factors when assessing whether or not we can provide you with a loan. So, you could still be eligible for a loan with us even if you are receiving Centrelink.
I have bad credit, can I still apply?
Yes! At Janko, we know that you’re more than just your credit score. So, we consider your broader financial history when assessing your loan application.
Do you conduct credit checks?
No! At Janko, we do not do credit checks as a part of our assessment. We complete our assessment using your bank account transaction history.
How do I apply?
It’s super easy! Just scroll up, hit ‘Apply Now’ and complete our streamlined application form. For most of our applicants, it takes only a few short minutes to fill in and submit our application form.
Why do you ask for my internet banking details?
We are required to obtain the last 90 days of your bank statements. To make this fast and easy, we access your recent bank statements through our trusted partners, who use the same encryption technology used by a number of other financial services companies to ensure your information is kept safe and secure.
Can I apply if I’m bankrupt?
Yes! Janko will consider a range of factors when assessing your loan application. As a result, we may be able to offer you a loan even if you are bankrupt.
Can I apply if I’m in a Part 9 Debt Agreement?
Yes! As we do not conduct credit checks, we assess each applicant based on the history displayed within their bank statements. As long as we can see that you’re managing your money well, we can consider the application.
Will you call my employer?
At Janko, we will not contact your employment during the application.
I’m having trouble applying.
We only accept applications online via our website. After you have confirmed that you are connected to the internet, checks these common issues:
Mobile Number Verification: Ensure you’ve entered in the correct mobile number. The only format we accept is ‘0412345678’. Follow the on-page instructions if you need to update the mobile number. You must verify your mobile to proceed with the application.
Email verification: Triple check that your email address is spelt correctly. If in doubt, copy and paste your email address from your email provider. We do not send you an email, but we do ping your email to ensure it is correct.
Submitting a digital bank statement: You need to use the same details you use for internet banking. Do not use the details you use to log into your bank app. An easy test to check if you are using the correct login details would be to go to your bank, log in via the bank website and see if you can log into your internet banking.
If you are ever stuck, feel free to flick an email to our customer service team to get some help.
How do I pay my loan back?
Loan repayments are automatically set up to be made via direct debit, which means you won’t have to worry about remembering to make the repayment yourself! Just make sure you leave enough funds in your account.
How can I check on my repayments?
For information about your repayments, including getting a statement or schedule, the easiest way to do this is via our online customer portal.
When are payments taken from my account
Our repayments will be automatically direct debited from your account following the contracted schedule, which will often be in line with your pay cycle. Due to the nature of direct debits, we cannot confirm the exact time when these payments will be taken. As a rule of thumb, we recommend that you leave enough funds in your account throughout the entire day they are set to be taken.
I need to make changes to my loan.
This isn’t an issue. Using Janko’s online customer portal, you can adjust the repayment cycle of your loan and update personal information. If you are experiencing financial hardship, please refer to our hardship policies.
I missed a repayment.
If a repayment has declined and you’re looking to make it up, you can make extra payments through the online customer portal. If you’re not able to amend the amount, please keep in mind that the loan term will extend to account for this.
What is financial hardship?
If you are under financial hardship, please contact us as soon as possible. We may be able to vary your contract to help you repay your debt.
How many loans can I have at a time?
You can only have one active loan at a time with Janko. Once you pay off a loan, you are more than welcome to re-apply should you need additional funds.
Can I have more than one Janko loan?
No, we allow you to have one loan at a time, once you have settled your outstanding balance you will be able to apply again.
I have a shared account with my partner, can we have two Janko Loans?
No, we currently only support one active profile to be linked per Bank account, unfortunately if you have a shared account you can only have one Janko Profile linked to this.