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Policy Centre

Review Jingle’s important policies,
including responsible lending,
borrowing costs, dispute resolution,
and hardship support.

Jingle's policies, terms and conditions

Our products

Every loan we offer has a clearly defined target market - it’s part of our commitment to responsible lending.

You can view our Target Market Determinations (TMDs) here: 

We also provide the following guidance and policies as a lender:

Policies about our products

Your rights

We're big on transparency. Here's where you’ll find the details on your privacy, security, and how we handle any complaints - no fine print fluff.

Your rights as a Jingle customer

Our website terms

Need the lowdown on how our site works or how we use cookies? It's all laid out clearly here — no surprises.

Our website terms

You're in good company

Hear from our customers who have been helped by Jingle

The latest finance and money inspo

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Need help?

Call us on 1300 654 230

Important Information
This website provides general information only and does not take into account your personal circumstances. All loans are subject to eligibility criteria, responsible lending checks, and credit assessment under the National Consumer Credit Protection Act 2009. Approval is not guaranteed. If approved, we’ll give you full loan details, including fees, charges, and repayment amounts, before you decide.
There’s no obligation to proceed.
¹ Funds are usually transferred within 60 minutes of final approval during business hours, depending on PayID availability, NPP access, and your bank’s processing times.
² Applications received outside business hours, on weekends, or public holidays are reviewed on the next business day (Mon–Fri, 9am–5pm AEST).
³ Most applications take 5–10 minutes to complete, but timing may vary depending on your device and the information you provide.
Our loans are designed for short- to medium-term personal purposes and may not be suitable for ongoing expenses or long-term borrowing.
See our Target Market Determinations for suitability criteria. Your personal information is protected in accordance with our Privacy Policy.
Jingle Finance Pty Ltd trading as Jingle Loans®
Australian Credit Licence 388143.

WARNING

Do you really need a loan today?

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan. If you are on government benefits, ask if you can receive an advance from Centrelink or phone 13 17 94.

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.