Bad Credit
Loans

A bad credit loan is a personal loan designed for people who may have experienced financial difficulties in the past, including defaults, missed repayments or lower credit scores.

At Jingle, we assess applications based on a range of factors, not just your credit score alone.

Having bad credit does not automatically mean your application will be declined.

We consider factors including your current income, employment stability, existing commitments and ability to comfortably make repayments.

Once approved and your contract is accepted, we aim to send funds as quickly as possible. For supported PayID and NPP-enabled bank accounts, funds may be available within 60 minutes during business hours.

If your bank does not support instant payments, or a transfer delay occurs, funds are typically received within 1–2 business days.

We aim to assess applications the same day during business hours and approved funds may be sent the same day during business hours.

For supported PayID and NPP-enabled bank accounts, funds may be available within 60 minutes once your application is approved and your contract is accepted.

Funding times can vary depending on your bank, application status and any verification requirements.

You can also visit our Same Day Loans page to learn more about fast funding options.

If approved, funds are transferred to your nominated bank account once you sign your contract. Thanks to our smart technology and the New Payments Platform (NPP), money may arrive within 60 minutes¹. Please note that approval is not guaranteed and all applications are subject to assessment.

No - all applications are subject to our credit assessment and responsible lending obligations. We assess each customer individually based on the information provided.

Yes -  you can repay your loan early at any time, with no early repayment fees. We believe in flexibility that works for you.