Easy Loans

Q: Can I repay my loan early?

Yes, you can repay your loan early at any time without any additional fees. Early repayment can save you money on monthly fees.

Q: What do I need to apply for a loan?

You’ll need to be 21 years or older, show regular income, have permanent residency or citizenship, and hold an Australian bank account. We will require recent bank statements to asses your affordability and government ID to complete the assessment.

Q: Do you check my credit file?

Yes, we conduct a credit check as part of our responsible lending assessment. However, we consider a wide range of factors - including your current financial situation - not just your credit score.

Q: When will I get the money?

Once approved and verified, we aim to send funds within 60 minutes¹ , however, some banks may take up to 48 hours. Actual timing may depend on your banks processing time and the time of day.

Q: What if I can’t make a repayment?

If you're experiencing financial difficulty, please contact our hardship team as early as possible. We’re here to help and can offer flexible options depending on your circumstances.

Borrow up to $10,000

⚡Repay early - no penalty
⚡Paperless. Secure. Signed online.
⚡Approved loans - get funds within 60 minutes¹

How an easy loan works for you

Life doesn’t wait - and neither should your loan.

We use smart technology to support faster decision-making and quicker application processing times, with real human assessors involved to ensure every application is assessed responsibly.

From everyday essentials to life’s curveballs, Jingle helps you stay in control. Ready to get started?

How it works?

Jingle is 100% digital, so you can apply anytime, anywhere, on your terms.

Apply online in minutes³
Our 100% digital application is designed to move quickly. Apply from your phone, tablet, or computer - anytime, anywhere.

Smart technology. Real oversight.
Our technology securely checks your details and helps assess what you can comfortably afford. Human assessors step in and review every application, making sure lending is responsible and fair.

Paid fast with PayID
If approved, we send your money using PayID - a fast and secure payment system supported by Australian banks. If your bank supports PayID, funds can arrive in as little as 60 minutes¹.

Clear costs, upfront
You’ll see the full cost of your loan before you accept. No surprises, ever.

Eligibility criteria

At Jingle, lending should make life easier — not add pressure. That’s why every application is reviewed properly, with real people involved, to make sure a loan is right for you.

We believe in responsible lending — here’s what you need to check to apply for a Jingle loan:

Be 21 years or older
Be employed (permanent part time or full time) with at least 90 days of consistent income
Be an Australian citizen or permanent resident
Have an active email address, mobile number, and online banking in your own name

When you apply, have the following ready:

Your personal details and ID
Employment and income information
Access to your online banking, so we can securely verify your income and expenses

Clear pricing. No surprises.

We like to keep things simple and transparent.
Before you borrow, we’ll always show you exactly what your loan will cost — no hidden fees, no fine print.

You can find the full breakdown, including examples and comparison rates, on our Borrowing & Loan Costs page.

Because borrowing should be easy to understand and never full of surprises.