Jingle.
Your life.
Your loan.

Jingle is a licensed non-bank lender (Australian Credit Licence 388143). We specialise in personal loans and use smart technology to deliver a fully online, streamlined experience, often quicker than traditional banks.

We offer personal loans from $500 to $10,000, depending on your eligibility and affordability assessment.

If approved and your contract is accepted during business hours, funds may be sent within 60 minutes to PayID-enabled banks. Otherwise, funds are typically received within 1–2 business days.

What do I need to apply?

To apply for a personal loan with Jingle, you must:

• Be 21 years or older
• Be an Australian citizen or permanent resident
• Be employed full-time or permanent part-time for at least 3 months
• Receive regular income into an Australian bank account
• Provide at least 90 days of bank statements
• Not rely primarily on government benefits as your main source of income

As part of our responsible lending obligations, we verify your income, expenses and existing commitments to ensure the loan is suitable and affordable.

We look at more than just whether you meet the eligibility criteria. As part of our responsible lending obligations, we review your income, expenses, existing liabilities, and credit history to make sure the loan is not unsuitable for you.

That means we don’t just check if you qualify, we also assess whether the loan is affordable and appropriate for your situation, so you can borrow with confidence.

Applicants must have stable, ongoing employment income.

Income that is temporary, conditional, or subject to review (including certain compensation payments) may not meet our eligibility criteria.

All applications are assessed individually in line with our responsible lending obligations.

Yes, you can still apply. We assess every application individually — not just your credit score.

However, approval depends on your overall financial situation, including income, expenses, existing commitments and repayment history.

If you’re currently experiencing financial hardship or have multiple active short-term loans, the loan may not be suitable.

Submitting an application may result in a credit enquiry being recorded. Multiple enquiries in a short period can impact your credit score.

If you have a complaint, you can contact us in any of the following ways:

• Email: disputes@jingle.com.au
• Phone: 1300 654 230
• Online: via our Contact Form

We will acknowledge your complaint within 1 business day and aim to resolve it quickly.

If your complaint relates to hardship or enforcement, you will receive a written response within 21 days. For all other complaints, you will receive a final written response within 30 days, in line with ASIC Regulatory Guide 271 (Internal Dispute Resolution).

If you are not satisfied with our response, you can escalate your complaint to our external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA):

• Phone: 1800 931 678
• Website: www.afca.org.au
• Mail: GPO Box 3, Melbourne VIC 3001

AFCA provides a free, fair and independent complaints service.