Cash
Loans
Sydney
A Sydney lender for Sydneysiders.
Borrow $500 to $10,000 online, with every cost on the table before you sign.
*Subject to lending criteria and T&Cs. Approval is not guaranteed. Visit our Policy Centre for more details.
Your Local Lender, on Sydney Time
Jingle's registered office is in Neutral Bay on the Lower North Shore, and our team works Sydney business hours. So when you apply from Parramatta, Penrith, Bondi or the Sutherland Shire, you're dealing with people who keep the same hours as you, not a call centre on the other side of the world.
Applying is 100% online, from Newcastle to Wollongong and everywhere in between. A “cash loan” with us simply means approved funds paid straight into your bank account.
Sydney's Not Cheap. Your Loan Should Be Clear.
Between rent, rego, tolls and the weekly shop, Sydney budgets don't have much give. So we make sure you know exactly what a loan costs before you commit:
- 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.)
Representative example (small loan): $1,000 over 6 months, repaid weekly, costs $1,440 in total ($200 establishment fee plus $240 in monthly fees), or 25 weekly repayments of $57.60.
Comparison rates are true only for the examples given and may not include all fees and charges. Full representative examples are on our borrowing and loan costs page. There's no penalty for repaying early.
Before You Borrow: NSW Help That Could Save You Money
We're a lender, but we'll always tell you about cheaper options first.
- Behind on your electricity or gas bill? NSW's Energy Accounts Payment Assistance (EAPA) scheme helps people through a short-term crisis by paying part of their energy bill directly to the provider. Talk to your energy provider first, then book an EAPA check through Service NSW (13 77 88). Once it's booked, your provider can't disconnect you.
- Problems with an energy or water company? The Energy and Water Ombudsman NSW (EWON) can help for free.
- No-interest loans for essentials. The No Interest Loan Scheme offers loans of up to $2,000 to eligible people for things like fridges and car repairs. Call 13 64 57.
- Free financial counselling. Call the National Debt Helpline on 1800 007 007.
How Sydneysiders use Jingle
- Rent and bond: moving is expensive in Sydney. In NSW, bonds are lodged with NSW Fair Trading, usually through Rental Bonds Online.
- Car repairs: when the car's off the road and you're stuck relying on the train timetable.
- Medical and dental costs: for the gap that Medicare and your health fund don't cover.
- Emergency costs: a broken appliance or an urgent bill that can't wait.
3 Steps, Start to Finish
- Apply online. It takes minutes. Share your bank statements securely so we can verify your income and expenses.
- Real people review it. Every application is read by someone on our team, not just a computer.
- Sign and get your funds. Once you're approved and your contract is accepted, funds are sent after final approval. With a PayID-enabled bank, you may receive funds within 60 minutes during business hours.
You'll need to be: 21 or older, an Australian citizen or permanent resident, employed for at least 3 months with regular income, and banking online in your own name. Approval is not guaranteed.
Frequently Asked Questions About Loans in Sydney
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.
