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Warning About Borrowing

Check your options before you borrow

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

The information on this website is general in nature and does not take into account your objectives, financial situation or needs.

Our loans are subject to eligibility criteria and terms and conditions. Loan approval is not guaranteed. Approved applicants should review the terms and conditions to ensure the loan is suitable in their unique circumstances. There’s no obligation to sign the contract for an approved loan.

¹ For customers with eligible bank accounts, funds will arrive within 60 minutes. If your bank doesn’t support real-time payments through smart technology such as NPP (New Payments Platform) or PayID, the funds will typically clear overnight on weekdays, or the next business day if approved on a weekend or public holiday.

² Loans will be assessed on the first business day (Monday-Friday, 9am - 5pm) when you apply on a weekend or public holiday.

³ Most customers complete their application in 5–10 minutes. Timing may vary based on the information provided and your device.

⚠️ 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.

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.
There’s no obligation to proceed.
¹ Funds are usually transferred within 60 minutes of final approval during business hours, depending on PayID availability, NPP access, and your bank’s processing times.
² Applications received outside business hours, on weekends, or public holidays are reviewed on the next business day (Mon–Fri, 9am–5pm AEST).
³ Most applications take 5–10 minutes to complete, but timing may vary depending on your device and the information you provide.
Our loans are designed for short- to medium-term personal purposes and may not be suitable for ongoing expenses or long-term borrowing.
See our Target Market Determinations for suitability criteria. Your personal information is protected in accordance with our Privacy Policy.
Jingle Finance Pty Ltd trading as Jingle Loans®
Australian Credit Licence 388143.

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:

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.

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