Debt Consolidation Loans | Simpler Monthly Payments

Consolidate debt with a loan up to $10,000

⚡Paperless. Secure. Signed online.
⚡Repay early — no penalty
⚡Funds to you within 60 minutes¹

What is debt consolidation?

Debt consolidation is when you take out a new personal loan to pay off multiple debts, like credit card repayments, outstanding bills, personal loans and credit cards.

Some people choose debt consolidation to simplify how they manage repayments. Depending on individual circumstances, this approach may result in:

Fewer repayments to keep track of
A single repayment schedule
A defined loan term
Reduced risk of missing individual payments

Debt consolidation is not suitable for everyone. Before applying, it’s important to review the loan terms carefully and consider whether the repayments would be affordable for your financial situation. All applications are subject to eligibility criteria and responsible lending checks.

How can a debt consolidation loan help you?

Debt consolidation involves combining multiple debts into a single loan. This can change how repayments are structured, such as replacing several repayments with one regular repayment over a set loan term.

Some people choose debt consolidation to better understand their total outstanding balance and repayment timeframe. Having a defined loan term may make it clearer when the consolidated amount is scheduled to be repaid, provided all repayment obligations are met.

Jingle offers debt consolidation loans that can be used for this purpose, subject to eligibility criteria and a responsible lending assessment. Before deciding whether to proceed, it’s important to review the loan terms carefully and consider whether the repayments would be affordable based on your individual circumstances.

How can a debt consolidation loan help you?

How it works?

Jingle is 100% digital, so you can apply anytime, anywhere, on your terms.

Apply online in minutes³
Our 100% digital application is designed to move quickly. Apply from your phone, tablet, or computer - anytime, anywhere.

Smart technology. Real oversight.
Our technology securely checks your details and helps assess what you can comfortably afford. Human assessors step in and review every application, making sure lending is responsible and fair.

Paid fast with PayID
If approved, we send your money using PayID - a fast and secure payment system supported by Australian banks. If your bank supports PayID, funds can arrive in as little as 60 minutes¹.

Clear costs, upfront
You’ll see the full cost of your loan before you accept. No surprises, ever.

How to apply for a debt consolidation loan

Eligibility criteria

At Jingle, lending should make life easier — not add pressure. That’s why every application is reviewed properly, with real people involved, to make sure a loan is right for you.

We believe in responsible lending — here’s what you need to check to apply for a Jingle loan:

You’ll need to:

Be 21 years or older
Be employed (permanent, part-time or casual) for at least 3 months with regular, verifiable income
Be an Australian citizen or permanent resident
Have a fixed residential address
Have an active email address and mobile number
Have online banking in your own name
Not be currently bankrupt

Income requirements

Your income must be stable and ongoing
Government benefits (e.g. Centrelink) must not exceed our eligibility limits as set out in our lending criteria.
Workers’ compensation, WorkCover payments, income protection insurance or similar statutory compensation payments are not accepted as eligible income

When you apply, have ready:

Your personal details and valid photo ID
Employment and income information
Access to your online banking, so we can securely verify your income and expenses

^{All applications are subject to Jingle’s responsible lending assessment under the National Consumer Credit Protection Act 2009 (Cth). Approval is not guaranteed.}

Here's how it works