How a Jingle loan works

If you are an Australian citizen or permanent resident with a regular income, there’s a good chance you may be eligible for a Jingle personal loan — even if your credit score has taken a hit.

Jingle offer personal loans from $500 to $10,000.

Loans up to $4000 are unsecured. Loans over $4000 require security.

Yes. Anytime. No penalty, no catch. The sooner you repay, the less you’ll pay overall.

Yes. Choose weekly, fortnightly or monthly - whatever lines up with your income. Repayments are direct debited from your bank account.

Most loan applications are reviewed within the same business day². If your application is approved and your bank supports PayID and the New Payments Platform (NPP), funds may be available in your account within 60 minutes¹ after final approval.

We’re clear about costs upfront. You’ll see a full breakdown before you sign. No hidden charges. No surprises. You can also check our Borrow & Fees page anytime.

Yes, as long as Centrelink isn’t your primary income source.

Not right now. We don’t lend to customers who are bankrupt or have been discharged in the last 12 months (for SACC or MACC loans) or 24 months (for LACC loans). Once you’re past that window, we’d be happy to reassess.

Contact us early. We are always here to help and can assist by pausing or reducing your repayments, extending your loan term of offer a custom hardship solution. We assess every situation fairly - no judgement, just support.

Jingle's personal loans are designed for personal use only and not for business, investing, or speculative purposes. Think of bills, car repairs, education, medical, or essential expenses.

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.

This helps us assess whether the loan would be affordable and not unsuitable based on the information provided, before deciding whether to proceed.

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.