Tradie Loans

A tradie loan is simply a personal loan designed for tradespeople. While there isn't a specific loan product called a tradie loan, many electricians, plumbers, builders, carpenters and other qualified trades use personal loans to help cover work-related expenses, vehicle repairs, tool replacements and other personal costs.

At Jingle, eligible tradies can apply for personal loans from $500 to $10,000, subject to our lending criteria and responsible lending assessment.

To apply for a Jingle tradie loan, you'll generally need to:

• Be at least 21 years of age.
• Be an Australian citizen or permanent resident.
• Be permanently employed on a full-time or part-time basis.
• Have received at least 90 days of consistent employment income.
• Hold an Australian bank account in your name.
• Meet our responsible lending criteria.

Meeting these requirements does not guarantee approval.

No. At this time, Jingle does not provide personal loans to self-employed applicants. Our loans are available to eligible customers who are employed on a permanent full-time or part-time basis and meet our lending criteria.

Eligible applicants can apply to borrow between $500 and $10,000. The amount you may be approved for depends on your individual financial circumstances, including your income, living expenses and existing financial commitments.

Many tradies use personal loans to help cover:

• Tool and equipment purchases
• Replacing stolen or damaged tools
• Ute repairs and servicing
• Vehicle registration and insurance
• Work-related licences or training
• Home improvements
• Medical expenses
• Household bills
• Family holidays
• Unexpected emergencies

Every application is individually assessed to ensure the loan is suitable for your circumstances.

If your application is approved and your loan contract is accepted during business hours, eligible PayID-enabled bank accounts may receive funds within 60 minutes¹. For all other banks, funds are typically received within 1–2 business days.

Every application is individually assessed. We consider factors such as your income, living expenses, existing financial commitments, employment status and your ability to comfortably repay the loan. If we don't believe a loan is suitable for your circumstances, we may decline the application as part of our responsible lending obligations.

Yes. Jingle uses secure technology and encrypted connections to help protect your personal information throughout the application process. Your information is handled in accordance with our Privacy Policy and Australian privacy laws.

Jingle offers a simple online application, flexible loan amounts from $500 1 to $10,000, transparent pricing and responsible lending. We understand that tradies often face unexpected expenses, and our goal is to provide a straightforward borrowing experience that helps you get back to the job with confidence.