Borrow up to $5,000
⚡ Repay early — no penalty
⚡ Flexible terms — you choose
⚡ Paperless. Secure. Signed online.
What is a same day loan?
A Jingle same-day loan lets you borrow up to $5,000 with approved loans.
Our seamless online application means no tricky forms or in-person appointments.
You can apply straight from your phone and save your progress if you need to come back later.
We’re ready when you are and here to help at every step.
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.
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.
What can I use a same day loan for?
A Jingle same-day loan is for when life brings you an opportunity or an unexpected moment. You can use a same-day fund for last-minute expenses, like moving house, a medical expense, vet bill or weekend expense.
At Jingle, we believe that a same-day loan is for you, so you can spend your funds as you need to.
FAQs
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