1300 654 230
Login

Hardship Assistance:
Your Right to Help

If you’re having difficulty making your repayments, you have the legal right to request hardship assistance. Under Australian credit law, we must consider your request and work with you in good faith to find a fair and reasonable solution.

Hardship Assistance: Your Right to Help

If you’re having trouble making your repayments, you have the legal right to request hardship assistance under Australian credit law. We’ll work with you in good faith to find a solution.

When can I ask for help?

Anytime. You don’t need to miss a payment first, and you can make more than one request.

What support is available?

Depending on your situation, we may be able to:

  • Reduce your payments for a period
  • Pause your repayments temporarily
  • Extend your loan term
  • Offer another solution tailored to your needs

How do I apply?

  1. Contact us early:

Phone: 1300 654 230

Email: hardship@jingle.com.au

Mail: Hardship Team, Jingle Loans, PO Box 677, Templestowe VIC 3106

2. Explain your situation: why you’re struggling and what help you need.

3. Provide documents (if requested): e.g. medical certificate, separation letter.

4. Work with us: we’ll propose options and confirm arrangements in writing.

What happens next?

  • We’ll acknowledge your request as soon as practicable.
  • We’ll then assess your application and provide a decision in writing.
  • We won’t take enforcement action while we’re considering a genuine request.

Will this affect my credit?

Agreed hardship arrangements generally won’t harm your credit file. Missed payments without an arrangement might.

Who else can help?

  • National Debt Helpline: 1800 007 007 (free financial counselling).
  • Legal Aid or community legal centres in your state.

Tip: The sooner you reach out, the more options we can offer.

We’re committed to supporting our customers through difficult times. If you’re struggling, don’t hesitate to reach out. We’re here to help.

To assist you with requesting hardship, we have prepared a sample hardship request email below. You do not have to use this template email to request hardship. You can request hardship using other methods (including phone and mail).

Sample Hardship Request Email

To: hardship@jingle.com.au

Subject: Hardship Assistance Request

Dear Jingle Team,

I’m writing to request hardship assistance due to [brief explanation of your situation, e.g. reduced hours, medical condition].

I expect this to last approximately [insert estimated time]. I’d appreciate the opportunity to discuss possible options such as a payment pause or reduced repayments.

Please let me know what information you need from me to proceed.

Thank you,

[Full Name]

[Loan Number]

[Contact Details]

Hardship Assitance

Frequently Asked Questions

View All FAQs

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.

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:

  1. 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
  2. Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  3. 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.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.