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Janko offers fast loans for when you need urgent cash

Fast loans with Janko can be used to cover any of life’s unexpected expenses. If you have been searching for an ‘instant cash loan’ or ‘loans with no credit check’, you are in luck! Janko offers fast loans from $100 to $500, 100% online. That means that there are no long waiting times or piles of paperwork; you could have your outcome within minutes*!

The Janko difference

Unlike some of our competitors, Janko has a unique way of processing our applications which means we don’t require a credit check. Instead of manual assessors, we have a sophisticated system that automatically retrieves our required documents, assesses the application and drafts the loan contract within just a few minutes. That means that you can apply from anywhere, at any time. Whether this is the middle of the day or the middle of the night, Janko can provide you with fast loans when you need cash instantly. We value transparency; for a detailed breakdown of our loan fees and charges, refer to our costs page.

Why don’t you conduct credit checks?

We rely on a system that utilises machine learning to determine each applicant’s affordability. We will analyse our applicant’s recent bank statements to assess their eligibility for a small cash loan, which means that credit scores are unrelated. If you are currently managing your finances well, we may be able to provide you with an online loan.

What are the eligibility requirements for fast loans?

While we would like to help any Australian looking for a fast loan, we do have some simple requirements all of our applicants must meet before we can consider their applications. We are guided by responsible lending guidelines, so we must ensure that our applicants meet the following eligibility requirements:

  • You are at least 18 years old
  • You receive a regular income into a personal bank account for at least 90 days prior to applying
  • You have an active mobile number and email address
  • You are an Australian citizen or permanent resident
  • You use internet banking

How fast can I expect to receive my money?

If you bank with an NPP or Osko-enabled account (which is 90% of Australian bank accounts), you will likely receive your loan within seconds of accepting your fast loan offer. If your bank does not support instant transfers, you will likely receive your money on the next business day. So, regardless, our loan payouts are very fast!

Can I get fast loans if I receive Centrelink?

We consider most forms of Centrelink income. Whether this is the Family Tax, Carers Payment or Age Pension, we may be able to consider your application if you meet the rest of our eligibility requirements. 

Apply for a fast loan with Janko

Janko specialises in fast cash solutions for when you need them most. Apply for a small loan with Janko today; we are always in your back pocket! 

*Only available for NPP & Osko enabled accounts

For quick and easy finance, go Janko.

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