Small
Loans
Our small loans let you borrow
from $500 to $2,000.
Perfect for when you need to
cover those unexpected expenses and
get you back on track.
*Subject to lending criteria, T&Cs.
Visit our Policy Centre for details.
Borrow $500 - $2,000
⚡ 3-12 month loan terms
⚡ No early repayment fees
⚡ 100% online loan application
⚡ If approved, get funds within 60 minutes¹
Start HereWhat is a small loan?
A small loan, also known as a Small Amount Credit Contract (SACC) gives you upfront funds to cover expenses that can’t wait. Borrow $500–$2,000 and repay over time, with all fees clearly outlined before you commit.
We believe in responsible lending and will only approve loans we believe you can afford to repay without causing hardship.
Costs
- Establishment fee: 20% of the amount borrowed
- Monthly fee: 4% of the amount borrowed, charged each month of the loan term
- No interest is charged on SACCs
- Other fees may apply (e.g., default fees) as set out in your loan contract
Example
Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.
For a Small Loan of $2,000 or less, an APR (Annual Percentage Rate) does not apply.
Want to learn more about loan fees and charges? View our Borrower and Loan Costs.
How to apply for a small loan
Our 100% online small loan application means you can apply from anywhere, at any time. We’ll guide you through the process and clearly outline all costs before you commit — so you can make an informed choice.
Here’s how it works:
- Apply online – Complete your application using your phone, tablet, or computer.
- Fast assessment – We review your application quickly to avoid unnecessary delays.
- Accept your loan offer – Review your terms, then accept when you’re ready.
- Funds within 60 minutes¹ – Once your loan is approved, we use smart technology to transfer funds. If your bank supports PAYID and customers receive their money within 60 minutes¹.
- Ongoing support – Our team is here for you at every stage of your loan.
¹Timing depends on final approval, NPP (New Payments Platform) availability, and whether your bank account is PayID-enabled.
Before you apply:
Check our eligibility criteria below to make sure a small loan is right for you. We lend responsibly and will only approve your application if we believe you can repay without financial hardship.
Eligibility checklist
To apply for a Jingle Small Loan (SACC), you must:
- Be at least 21 years old
- Be employed on a permanent full-time or part-time basis, with at least 90 days of consistent income
- Be an Australian citizen or permanent resident with a fixed residential address
- Have an active email address, mobile phone number, and online banking in your name
- Not be bankrupt or discharged from bankruptcy in the last 12 months or currently under a Part 9 Debt Agreement or have completed one in the last 12 months
To complete the loan application, you will need:
- Personal details and government-issued photo ID
- Employment status and contact details
- Access to your online banking (securely processed using trusted Open Banking providers and protected by 256-bit SSL encryption)
Repeat borrowing restriction
As part of our commitment to responsible lending, we limit repeat borrowing to help prevent customers from entering a cycle of debt.
We cannot approve your application if you have had two or more Small Amount Credit Contracts (SACCs) in the last 90 days.
If you currently have one active SACC, we’ll carefully assess your situation to make sure taking out a new loan won’t cause financial hardship.
Unsure if you're eligible?
Contact our team at Hello@Jingle.com.au and we can do a quick check.
Want to learn more about our loan types and costs?
What can I use a small loan for?
A Jingle Small Loan (Small Amount Credit Contract) lets you borrow $500–$2,000 to cover urgent personal expenses when you need them most. Customers often use our small loans for:
- Car repairs or urgent maintenance
- Household bills or essential utilities
- Medical or dental expenses
- Moving costs or rental bonds
- School fees or education-related expenses
- Travel for family emergencies
- Replacing essential household items like a fridge or washing machine
We’ll clearly outline your loan amount, fees, and repayments before you commit and so you can make an informed choice.
Important: Jingle Small Loans are not suitable for ongoing living expenses, long-term borrowing, or business/investment purposes. Learn more about how we lend responsibly on our Responsible Lending page.
Frequently Asked Questions
Have questions about small loans? Our FAQs explain how small loans work, including loan amounts, eligibility requirements, fees, repayments and the online application process. Review the information below to understand what to expect before applying for a small loan with Jingle Loans.
