Bond
Loans
QLD
From Brisbane to Cairns, borrow $500 to $10,000 for a bond or moving costs.
Clear fees, fixed repayments and real people reading every application.
*Subject to lending criteria and T&Cs. Approval is not guaranteed. Visit our Policy Centre for more details.
Help With Your Bond in Queensland
In Queensland, a bond can be up to four weeks' rent. Since 30 September 2024 that cap applies whatever the rent, so a $600-a-week Brisbane rental means a bond of up to $2,400. The Queensland Government offers four kinds of help with bonds and rent, all interest-free and fee-free for eligible renters. If you don't qualify, a personal loan is another option.
How rental bonds work in Queensland
- Maximum bond: 4 weeks' rent, for any rent amount (since 30 September 2024)
- Who holds it: The Residential Tenancies Authority (RTA)
- Lodgement: Your landlord or agent must lodge it with the RTA within 10 days
- Getting it back: Lodge a refund request with the RTA when you move out. Disputes can go to RTA dispute resolution, then QCAT
Source: PropertyNow state-by-state bond guide, updated October 2026. Check the RTA for the latest rules.
Queensland Government bond loans and grants
The Department of Housing and Public Works offers four types of help. The RTA holds the bond, and when it's refunded, the RTA pays back any amount still owing on the loan first.
- Bond loan: up to 4 weeks' rent for your bond. Repaid, interest-free and fee-free.
- Bridging bond loan: a new bond while your old bond is still held by the RTA. Repaid, interest-free and fee-free.
- Bond loan plus: your bond plus 2 weeks' rent, up to 6 weeks' rent in total. Repaid, interest-free and fee-free.
- Rental grant: 2 weeks' rent for people in a housing crisis. You don't repay it.
Source: RTA: Bond loan.
How to apply: check your eligibility online with the Department of Housing and Public Works, then apply once you've been approved for a rental. Income and asset limits apply.
The bridging bond loan is worth knowing about if you're moving within Queensland. It covers the gap between paying your new bond and getting your old one back, which is when most renters get caught short.
If you don't qualify for a government bond loan
- No Interest Loan Scheme (NILS): up to $3,000 for a bond or rent in advance, with no interest or fees, if you're eligible. Call 13 64 57.
- Start your old bond refund early: you can lodge the refund request with the RTA as soon as you've moved out.
- Commonwealth Rent Assistance: if you receive Centrelink payments, check whether you're getting it.
- A personal loan: if the repayments fit your budget.
Jingle bond loans for Queensland renters
Jingle's rent and bond loans range from $500 to $10,000, for a bond, rent in advance or moving costs. You can apply online from anywhere in Queensland, from the Gold Coast to Cairns.
- Small loans ($500 to $2,000): 20% establishment fee and 4% monthly fee, no interest
- Medium loans ($2,001 to $5,000): $400 establishment fee and 47.6% p.a. (comparison rate 69.04% p.a.)
- Large loans ($5,001 to $10,000): no establishment fee, 45% p.a. (comparison rate 45% p.a.)
Comparison rates are true only for the examples given and may not include all fees and charges. There are no early repayment fees, so you can pay the loan off when your old bond is refunded. Customers with PayID-enabled banks may receive funds within 60 minutes during business hours, once approved and the contract is signed. Approval is not guaranteed.
Frequently Asked Questions About Bond Loans in Queensland
⚠️ WARNING - Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
- For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
- Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
- If you are on government benefits, ask if you can receive an advance from Centrelink or phone 13 17 94
The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
Credit provided by Jingle Finance Pty Ltd ACN 132 485 066 trading as Jingle Loans, Australian Credit Licence 388143, to approved applicants only. Terms, conditions, fees, charges and eligibility criteria apply. Comparison rates are true only for the examples given and may not include all fees and charges. Approval is not guaranteed. This information is general in nature and doesn't take your objectives, financial situation or needs into account.
