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Hardship Assistance:
Your Right to Help

If you’re having difficulty making your repayments, you have the legal right to request hardship assistance. Under Australian credit law, we must consider your request and work with you in good faith to find a fair and reasonable solution.

Hardship Assistance: Your Right to Help

If you’re having trouble making your repayments, you have the legal right to request hardship assistance under Australian credit law. We’ll work with you in good faith to find a solution.

When can I ask for help?

Anytime. You don’t need to miss a payment first, and you can make more than one request.

What support is available?

  • Payment holiday – pause repayments for a short time.
  • Reduced repayments – pay less for a period, then return to normal.
  • Reschedule dates – align payments with your pay cycle.
  • Fee relief – waiver of certain fees during hardship.

How do I apply?

  1. Contact us early: 1300 654 230 or hardship@jingle.com.au
  2. Explain your situation: why you’re struggling and what help you need.
  3. Provide documents (if requested): e.g. medical certificate, separation letter.
  4. Work with us: we’ll propose options and confirm arrangements in writing.

What happens next?

  • We’ll acknowledge your request within 1 business day.
  • We’ll then assess your application and provide a decision within 21 calendar days (or sooner if urgent).
  • We won’t take enforcement action while we’re considering a genuine request.

Will this affect my credit?

Agreed hardship arrangements generally won’t harm your credit file. Missed payments without an arrangement might.

Who else can help?

  • National Debt Helpline: 1800 007 007 (free financial counselling).
  • Legal Aid or community legal centres in your state.

Tip: The sooner you reach out, the more options we can offer.

Sample Hardship Request Email

To: hardship@jingle.com.au

Subject: Hardship Assistance Request

Dear Jingle Team,

I’m writing to request hardship assistance due to [brief explanation of your situation, e.g. reduced hours, medical condition].

I expect this to last approximately [insert estimated time]. I’d appreciate the opportunity to discuss possible options such as a payment pause or reduced repayments.

Please let me know what information you need from me to proceed.

Thank you,

[Full Name]

[Loan Number]

[Contact Details]

We’re committed to supporting our customers through difficult times. If you’re struggling, don’t hesitate to reach out. We’re here to help.

Hardship assistance FAQ

More FAQs

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.