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Cancellation Policy
(Before Disbursement)

Version: 1.0 
Effective Date: 09 January 2026 
Last Reviewed: 09 January 2026 
Next Review Due: 09 January 2027 
Approved By: Managing Director  
Policy Owner: Head of Compliance  
Australian Credit Licence: 388143 

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 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 cancel your loan at no cost to you (subject to any fees or charges already incurred).

We believe in keeping things simple, transparent, and fair — and that includes giving you an opportunity to change your mind if your circumstances shift right after applying.

After the funds are sent

Once your funds have been transferred, your loan becomes legally binding.

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 (if applicable to your loan) 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.

You may repay your loan in full at any time prior to the final payment date specified in your loan contract. There is no fee for early repayment or early termination. Other fees and charges may apply – refer to the Financial Table in your credit contract. 

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.

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:

  1. 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
  2. Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  3. 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.