Frequently Asked Questions

Jingle is an Australian personal loan provider offering Small, Medium and Large personal loans through a fully digital platform.

We combine smart technology with responsible lending practices to assess applications quickly while ensuring every loan is suitable and affordable.

Jingle Finance Pty Ltd holds Australian Credit Licence 388143 and complies with the National Consumer Credit Protection Act 2009 (Cth).

No, Jingle is a licensed non-bank lender. This means we provide personal loans but do not offer savings accounts or everyday banking services.

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

If your bank does not support instant payments, or the transfer is delayed, funds are typically received within 1–2 business days.

Yes.

Jingle Finance Pty Ltd (trading as Jingle Loans) holds Australian Credit Licence 388143 and complies with the National Consumer Credit Protection Act 2009 (Cth).

At Jingle, you can apply for different loan amounts depending on your needs:

• Small Loan: $500 – $2,000
• Medium Loan: $2,001 – $5,000
• Large Loan: $5,001 – $10,000

The amount you’re approved for will depend on your financial situation and our affordability assessment.

For detailed information about who each product is designed for, please review our Target Market Determinations.

To understand the rates, fees and charges that apply, please visit our Borrowing and Loan Costs page.

Repayment terms vary depending on the loan type:

• Small Loans (SACC): 3 to 12 months
• Medium Loans (MACC): 3 to 24 months
• Large Loans (LACC): 12 to 24 months

Your approved term will depend on the loan amount and our affordability assessment.

For detailed information about who each product is designed for, please review our Target Market Determinations.

To understand the rates, fees and charges that apply, please visit our Borrowing and Loan Costs page.

Yes.

You can payout your loan early at any time. There are no early payout penalties.

Repayments are made via direct debit from your nominated Australian bank account. You may choose weekly, fortnightly or monthly repayments aligned to your income cycle.

Our loans are designed for personal purposes such as:

• Unexpected expenses
• Car repairs or upgrades
• Medical, Vet or dental costs
• Household goods
• Relocation costs
• Wedding costs
• Funeral expenses
• Debt consolidation (where appropriate)

Loans are not available for business or investment purposes.

At this time, Jingle does not accept workers’ compensation, WorkCover payments, income protection insurance, or similar statutory compensation payments as eligible income for the purpose of assessing loan applications.

To be eligible, applicants must have regular, ongoing employment income that meets our financial suitability criteria.

This requirement helps ensure that repayments can be made reliably over the full loan term.

Yes, you may apply if you receive government benefits.

However, our loan products are not suitable for customers who rely primarily on Centrelink or government benefits as their main source of income.

Your application must meet our financial suitability and affordability criteria under Australian credit law.

We assess:

• Your total income (including employment and benefits)
• Your existing financial commitments
• Your living expenses
• Your ability to repay without substantial hardship

All applications are assessed individually in accordance with our responsible lending obligations and Target Market Determinations.

To apply, you must:

• Be at least 21 years old
• Be an Australian citizen or permanent resident
• Have regular, verifiable income
• Hold an Australian bank account
• Be able to provide at least 90 days of bank statements
• Not be currently bankrupt

All applications are subject to our responsible lending assessment.

We assess each application individually. Your credit history is one factor considered as part of our overall suitability and affordability assessment.

You can apply 100% online through our secure application portal.

You’ll be asked to provide:

• Personal details
• Employment and income information
• 90 days of bank statements
• Valid identification

The process is designed to be simple and digital.

In most cases, we aim to assess and provide an outcome on applications the same business day.

However, some applications may take longer — typically up to 1–3 business days — if:

• We require additional information or documents
• Bank data needs further review
• ID verification needs clarification
• There are discrepancies in income or expenses
• Our team is experiencing higher application volumes

At Jingle, we don’t rush decisions if it means compromising our responsible lending obligations. Every application is individually assessed to ensure the loan is suitable and affordable for your circumstances.

If it’s been more than 3 business days and you haven’t heard from us, please contact our team and we’ll provide an update.

Before approving any loan, we are legally required to complete a responsible lending assessment under the National Consumer Credit Protection Act 2009 (Cth).

This assessment is designed to ensure that:

• The loan meets your needs and objectives
• You can afford the repayments
• The loan will not cause you substantial hardship

As part of this process, we review and verify information about your financial situation, including:

• Your income and employment stability
• Your regular living expenses
• Any existing loan or credit commitments (including buy now pay later services)
• Your credit history
• Your recent bank statement activity
• Whether your financial situation is likely to change in the foreseeable future

For Small Amount Credit Contracts (SACC), additional legislative requirements apply, including income caps and affordability limits.

We may request further information or clarification where required. Approval is not based solely on your credit score - it is based on a full suitability and affordability assessment.

If, after completing this assessment, we determine that the loan is unsuitable or would cause financial hardship, we are legally prohibited from approving it.

Our priority is to lend responsibly and ensure the product is appropriate for your circumstances.

Yes.

As part of our responsible lending assessment, we obtain information from credit reporting bodies and may disclose information about your loan application as permitted by law.

You can read more about how we collect, use and disclose personal and credit information in our Privacy & Credit Reporting Policy.

Reviewing recent bank statements allows us to:

• Verify your income
• Assess living expenses
• Identify existing financial commitments
• Detect signs of financial stress or hardship

This is a legal requirement under responsible lending obligations and helps ensure the loan is suitable and affordable.

Financial hardship means you are unable to meet your loan repayments. This may result from reduced income, illness, unexpected expenses, cost of living pressures, family breakdown, natural disaster or other financial stress.

You do not need to experience a specific life event, and your hardship does not need to be temporary, to request assistance.

If you are unable to meet your repayments due to illness, job loss, reduced income or other unforeseen circumstances, please contact us immediately.

You may be eligible for hardship assistance in accordance with Australian credit laws.

We will assess hardship requests on a case-by-case basis.

You can also contact the National Debt Helpline on 1800 007 007 for free, independent advice.

You can contact us at any time:

Email: hardship@jingle.com.au
Phone: 1300 654 230
Mail: Hardship Team, Jingle, PO Box 677, Templestowe VIC 3106

We may request reasonable information or supporting documents to assess your request.

1. We will acknowledge your request as soon as practicable.
2. We may ask for additional information.
3. We will provide a written decision within 21 days (or within 21 days of receiving requested information).
4. If approved, the new terms will be confirmed in writing.

Depending on your circumstances, we may:

• Reduce repayments
• Pause repayments temporarily
• Extend the loan term
• Agree to another suitable variation

Each request is assessed individually in accordance with section 72 of the National Credit Code.

If your hardship request is declined, we will provide written reasons for our decision.

If you are not satisfied with the outcome, you may contact our Internal Dispute Resolution (IDR) team to lodge a complaint.

If your complaint is not resolved to your satisfaction, you may escalate the matter to the Australian Financial Complaints Authority (AFCA), which provides a free and independent external dispute resolution service.

For more information, please refer to our Complaints and Dispute Resolution Policy.

You can contact the National Debt Helpline on 1800 007 007 for free, independent advice.

Visit our Borrowing and Loan Cost page for full details about the costs associated with each of our loan products.

Interest rates, fees and charges depend on the type of loan product, the loan amount, and the loan term selected.

All interest, fees, charges and repayment amounts will be clearly disclosed in your loan contract before you accept the offer.

If a repayment fails:

• We will notify you
• A missed payment fee may apply (as disclosed in your contract)
• We may attempt to reprocess the payment

If you are experiencing financial difficulty, you should contact us as soon as possible so we can discuss potential hardship assistance options.

No. You can repay your loan early without penalty.

Under Australian law, we must assess whether a loan is suitable for you before approving it.

This means we must ensure:

• The loan meets your needs and objectives
• You can afford the repayments
• The loan will not cause you substantial hardship

If a loan is assessed as unsuitable, we are legally required to decline it.

A decline does not mean you can never be approved. It simply means that, based on the information provided, the loan was not suitable at this time. We understand it can be disappointing if your application isn’t approved. Every application is assessed individually to ensure the loan is suitable and affordable under our responsible lending obligations.

Common reasons may include:

• Insufficient income after expenses
• Existing short-term credit reliance
• Recent hardship indicators
• Unstable employment history
• Credit history concerns

If declined, it means we determined the loan may not be suitable for your financial situation at this time. This decision is made in line with our responsible lending obligations under the National Consumer Credit Protection Act. For more information about how we assess applications, please refer to our Responsible Lending Policy.

We understand lending decisions can be disappointing. If you would like further clarification about your assessment, please contact our team.

If you remain dissatisfied, you may lodge a complaint through our Internal Dispute Resolution (IDR) process. Further details are available in our Complaints & Dispute Resolution Policy.

We are legally required to verify income, expenses and existing liabilities.

Bank statements help us assess affordability and identify any financial stress indicators before approving a loan.

No. We are required to decline applications where the loan may cause substantial hardship or does not meet suitability requirements.

You may reapply in the future if your financial situation changes.

Submitting multiple applications within a short period may impact your credit file.

Sometimes we may determine that a lower amount better aligns with your affordability assessment.

We will never approve a loan amount that we believe may cause hardship.

If you are unhappy with our products, services or a decision we have made, you can lodge a complaint with our Internal Dispute Resolution (IDR) team.

You can contact us by:

Phone: 1300 654 230
Email: complaints@jingle.com.au
Mail: Complaints Officer, Jingle
PO Box 677, Templestowe VIC 3106

Please provide as much detail as possible so we can investigate your concern.

For further information about how we handle complaints, please refer to our Complaints and Dispute Resolution Policy.

If your complaint is not resolved to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA), which provides a free and independent external dispute resolution service.

AFCA
Phone: 1800 931 678
Website: www.afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001

We collect, use and disclose personal and credit information to:

• Assess your loan application
• Verify your identity
• Conduct credit checks
• Manage your loan

All information is handled in accordance with Australian privacy laws. For more information refer to our Privacy and Credit Reporting Policy.

Yes. You may request a copy within 7 years of your loan contract date. We will provide it within the required timeframe under the NCCP Act.