Home Improvement Personal Loans

A home improvement loan is a type of personal loan that can be used to help cover costs associated with home upgrades, repairs, or ongoing maintenance.

Some people choose to use a home improvement loan to manage expenses related to renovations or property improvements, depending on their plans and individual circumstances. These loans may be used for a range of purposes, subject to eligibility criteria and a responsible lending assessment.

A home improvement loan may be used for expenses such as:

• Kitchen or bathroom renovations
• Adding a room, deck, or outdoor living area
• Essential home repairs or ongoing maintenance
• Exterior upgrades or landscaping
• Installing energy-efficient features
• Creating additional storage, or adding a garage or shed

Before applying, it’s important to review the loan terms carefully and consider whether the repayments would be affordable based on your financial situation.

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 or recently discharged from bankruptcy within the last 6 months

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.}