Right to Request Assessment
At Jingle, we believe in responsible lending and transparency. As a borrower, you have the legal right to request and receive a copy of the assessment we conducted to determine whether the loan was suitable for you.
What This Means
Before approving any loan, we are required by law to assess whether you can meet the repayments without substantial hardship. This process is part of our responsible lending obligations under the National Consumer Credit Protection Act 2009 (Cth).
You may request a copy of this assessment at any time - whether your application was approved or declined. This helps you understand how we made our lending decision and how your financial situation was evaluated.
We are not required to give you a copy of the assessment if you do not enter into a credit contract with us (or your credit limit is not increased).
What’s Included in Your Assessment Report
1. Income Verification
- Sources of income we verified
- How we calculated your available income
- Employment verification details (where applicable)
2. Expense Analysis
- Your declared living expenses
- How we verified or estimated your expenses
- Comparison with benchmark data (where applicable)
3. Affordability Calculation
- How we determined what you could reasonably afford to repay
- Any buffer we applied for unexpected expenses
- Our final affordability outcome
4. Suitability Assessment
- How the loan met your needs and objectives
- Risk factors we considered in the approval process
How to Request Your Assessment Copy
You can request your assessment report through any of the following methods:
1. By Phone
Call us on 1300 654 230 and request “a copy of my loan assessment report.” Please have your loan number and identification ready.
2. By Email
Email: hello@jingle.com.au
Subject: Request for Assessment Report Copy
Include:
- Full name
- Loan contract number
- Date of birth (for verification)
- Request for assessment report copy
3. In Writing
Mail a signed letter to:
Jingle Finance Pty Ltd
PO Box 677, Templestowe VIC 3106
Include your loan details and a clear request for the assessment report.
What Happens Next
Identity Verification: We’ll confirm your identity before releasing the report to protect your privacy.
Timeframe: If you request your assessment report within two years from the date your credit contract is entered into (or the principal is increase), you’ll receive your report within 7 business days . Otherwise, you’ll receive your report within 21 business days.
Format: Reports are typically sent as PDFs via email, or by post if requested.
Cost: There is no charge - requesting your assessment is completely free.
Understanding and Privacy
If you have questions about the report:
- Call us on 1300 654 230
- Speak with a financial counsellor: 1800 007 007
- Visit moneysmart.gov.au for independent guidance
Your information is handled in accordance with our Privacy and Credit Reporting Policy.
