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Cancellation Policy
(Before Disbursement)

Version: 1.0
Effective Date: 6 September 2025
Next Review Due: 6 September 2026
Approved By: Managing Director
Policy Owner: Head of Compliance
Australian Credit Licence: 388143

🖨️ Prefer a printable version? Download the Cancellation Policy (Before Disbursement) (PDF)

Change of mind? Here’s what you need to know

At Jingle, we understand that sometimes plans change and we want to make sure you know exactly where you stand before your loan begins.

What the law says

Under Section 135 of the National Credit Code, a 14-day cooling-off period may apply to some credit contracts. However, this applies only when:

  • The contract is signed in person, and
  • The borrower hasn’t yet accessed the funds.

Because Jingle is a fully digital lender, our loan agreements are accepted and funded online. That means this statutory cooling-off period does not apply once your contract is accepted and funds are disbursed.

What happens if you change your mind

If you’ve accepted your loan offer but your funds haven’t yet been transferred, you can contact us straight away. If the disbursement hasn’t occurred, we’ll do our best to cancel your loan at no cost to you.

We believe in keeping things simple, transparent, and fair — and that includes giving you a moment to pause if your circumstances shift right after applying.

After the funds are sent

Once your funds have been transferred, your loan becomes legally binding, and the statutory cooling-off period does not apply.

However, Jingle provides an additional customer benefit:

  • You may cancel your loan within 48 hours of receiving the funds if you repay the full loan amount advanced.
  • No establishment fees, monthly fees, or interest will be charged, provided repayment is made in full within this 48-hour period.
  • After this period, normal loan terms apply.

If you are outside the 48-hour return period but experience financial difficulty, you may be eligible for assistance under our Financial Hardship Policy, which offers flexible solutions to help you get back on track.

Contact Us

If you want to cancel your loan or if your situation has changed and you need support, please contact us as soon as possible:

We’re here to help — no pressure, no judgement, just real support when you need it

Important Information
This website provides general information only and does not take into account your personal circumstances. All loans are subject to eligibility criteria, responsible lending checks, and credit assessment under the National Consumer Credit Protection Act 2009. Approval is not guaranteed. If approved, we’ll give you full loan details, including fees, charges, and repayment amounts, before you decide.
There’s no obligation to proceed.
¹ Funds are usually transferred within 60 minutes of final approval during business hours, depending on PayID availability, NPP access, and your bank’s processing times.
² Applications received outside business hours, on weekends, or public holidays are reviewed on the next business day (Mon–Fri, 9am–5pm AEST).
³ Most applications take 5–10 minutes to complete, but timing may vary depending on your device and the information you provide.
Our loans are designed for short- to medium-term personal purposes and may not be suitable for ongoing expenses or long-term borrowing.
See our Target Market Determinations for suitability criteria. Your personal information is protected in accordance with our Privacy Policy.
Jingle Finance Pty Ltd trading as Jingle Loans®
Australian Credit Licence 388143.

Are you eligible to apply?

âś… I am 21 years or older

âś… I have not entered into bankruptcy

âś… I am willing to provide my Bank Statements online

âś… My income is not solely from Centrelink

Please note: Bank statements can only be submitted via our secure online service.