Cash
Loans
Melbourne
Four seasons in one day? Your loan shouldn't be that unpredictable.
Borrow $500 to $10,000 online with fixed repayments and no surprises.
*Subject to lending criteria and T&Cs. Approval is not guaranteed. Visit our Policy Centre for more details.
Loans for Melbourne, from the CBD to the 'Burbs
From Footscray to Frankston, Dandenong to Docklands, Jingle helps Victorians cover the costs that can't wait. You apply online from wherever you are, including Geelong, Ballarat and Bendigo, and a real person on our team reviews your application. Our team works on east-coast time, so we keep the same hours you do.
By “cash loan” we mean approved funds paid straight into your bank account. No branches, no paperwork in the post.
Every Cost, Upfront
No fine print surprises. Here's how Jingle loans are priced:
- Small loans, $500 to $2,000: 20% establishment fee + 4% per month, no interest
- Medium loans, $2,001 to $5,000: $400 establishment fee + 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. See borrowing and loan costs for representative examples. You can repay early with no penalty.
Victorian Support Worth Checking First
The cheapest loan is the one you don't need. Victoria has some genuinely useful help:
- Utility Relief Grant Scheme. If a temporary crisis has left you behind on your electricity, gas or water bill, a Utility Relief Grant can pay up to $650 per utility type over two years, or up to $1,300 if your home runs on electricity only. You'll need a concession card, or be on a low income, and be at risk of disconnection. Call your retailer to apply, and they'll pause disconnection while it's assessed. The Concessions Information Line is 1800 658 521.
- No Interest Loan Scheme. Loans of up to $2,000 for essentials, with no interest or fees, for eligible people. Call 13 64 57.
- Free financial counselling. The National Debt Helpline (1800 007 007) will connect you with a Victorian financial counsellor.
- Your consumer rights. Consumer Affairs Victoria (consumer.vic.gov.au) can help with tenancy and consumer issues.
What Melburnians use Jingle for
- Car repairs: because the Monash doesn't care that your car's making a funny noise.
- Rent and bond: in Victoria, bonds are lodged with the Residential Tenancies Bond Authority (RTBA).
- Winter bills: Melbourne winters can push up heating costs. Check the Utility Relief Grant first, then talk to us if you still need help.
- Vet, medical and emergency costs: for the bills that can't wait for payday.
Apply in 3 Steps
- Apply online in minutes. Tell us what you need and securely share your bank statements.
- Real people review it. A real person on our team reads every application to make sure the loan fits your budget.
- Sign and get your funds. Once you're approved and your contract is accepted, funds are sent after final approval. Customers with PayID-enabled banks may receive funds within 60 minutes during business hours.
Eligibility at a glance: 21 or older, an Australian citizen or permanent resident, employed for at least 3 months with regular income, and online banking in your own name. Approval is not guaranteed.
Frequently Asked Questions About Loans in Melbourne
You're in good company
Hear from our customers who have been helped by Jingle
You're in good company
Hear from our customers who have been helped by Jingle
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.
