You need to be 18 years of age to get a loan in Australia. This is a condition of consumer finance under ASIC regulations that Jade must comply with.
Parents, guardians and others over the age of 18 years of age and subject to the guidelines around consumer finance as set by ASIC may apply for loans for people under the age of 18 years. That is, they may approved to apply for the finance on behalf of the person under 18 years of age.