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s 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, call 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: www.humanservices.gov.au/advancepayments

The Australian 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

Dispute Resolution Policy

Nifty Finance Pty Ltd t/a Nifty Personal Loans is committed to providing the highest level of customer care and ensuring you are fully satisfied with the products and services we offer. If there is an instance where you feel we have not honoured this commitment and you would like to make a complaint, we will endeavour to resolve the matter in a genuine and fair manner.

Contact Us Directly

As many complaints can be resolved with a simple conversation, your first point of contact should always be our customer contact centre, who can be contacted at:

Phone: 1300 471 328
Fax: (07) 3041-5027
Email: info@niftypersonalloans.com.au
Website: www.niftypersonalloans.com.au

Our friendly and helpful staff will endeavour to resolve the complaint with you as quickly as possible.

Internal Dispute Resolution Procedure

If your complaint is not adequately handled by our contact centre, you may raise your complaint with our complaints officer, who can be contacted at:

Email: complaints@niftypersonalloans.com.au
Post: P O Box 1833, Milton QLD 4064

In your communication to our complaints officer, please provide clear details of your dispute and your return contact details. The complaints officer will investigate the matter and provide you with a final response within 21 days of the initial complaint detailing:

  • the outcome of the dispute
  • the reasons for the outcome
  • your right to pursue the dispute with our External Dispute Resolution scheme
  • the contact details of our External Dispute Resolution Scheme

External Dispute Resolution Scheme

If you are not satisfied with our response, you may refer the complaint to our external dispute resolution scheme. The external dispute resolution scheme to which we belong is the Credit & Investments Ombudsman, who can be contacted at;

Credit and Investments Ombudsman Ltd
Phone: 1800 138 422
Fax: (02) 9273 8440
Mail: PO Box A252, South Sydney NSW 1235
E-Mail: info@cio.org.au
Website: www.cio.org.au

Disputes Related to The Privacy Act 1988

If the matter relates to the Privacy Act 1988, you may also refer the matter to the Privacy Commissioner. The Privacy Commissioner, in the Office of the Australian Information Commissioner, can be contacted at;

Privacy Commissioner
Phone: 1300 363 992
Fax: (02) 9284 9666
Mail: GPO box 5218, Sydney NSW 2001
E-Mail: enquiries@oaic.gov.au
Website: www.oaic.gov.au

Our commitment to You

As a part of our commitment to providing the best possible service to you, all complaints will be dealt with in a professional and just manner. You will also not be charged for using any of the services mentioned in this policy. If you feel we have not addressed your complaint in a satisfactory manner, we encourage you to bring this to our attention.