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Your Rights as a Borrower

At Jingle, we believe in transparent lending and ensuring you understand your rights as a consumer. Under Australian consumer credit laws, you have important protections and rights that we want you to know about.

Your Key Rights

Right to Early Repayment

You can pay out your loan early at any time without penalty fees. This can save you money on fees and charges.

Learn more about early repayment

Right to Request Assessment Copy

You have the right to request and receive a copy of the assessment we conducted to determine your ability to repay the loan.

Learn more about assessment reports

Right to Hardship Assistance

If you’re experiencing financial difficulty, you have the right to request hardship assistance and we’re required to consider your request.

Learn more about hardship assistance

Right to Complain to AFCA

If you’re not satisfied with our response to a complaint, you have the right to take your complaint to the Australian Financial Complaints Authority (AFCA) for free.

Learn more about complaints and disputes

Important Information

Your rights are protected by law, including the National Consumer Credit Protection Act 2009 (Cth) and the National Credit Code, which govern all regulated loans in Australia.

No cost to exercise your rights. There is no fee to exercise any of these rights. If we try to charge you a fee for exercising a legal right, you should contact AFCA.

Get independent advice. If you’re unsure about your rights or need independent financial advice, contact:

• National Debt Helpline: 1800 007 007 (free financial counselling)

• ASIC MoneySmart: moneysmart.gov.au

Need Help Right Now?

  • Financial difficulty: Call us on 1300 654 230
  • Emergency financial counselling: 1800 007 007
  • Make a complaint: complaints@jingle.com.au
  • AFCA: 1800 931 678 or afca.org.au

This information is general in nature. For advice specific to your situation, consider speaking with a licensed financial adviser or financial counsellor.

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.